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    A guide to performance management

     

    Nowadays, a great significance is being given to Performance Management, as companies incorporate them in their effective management strategies. However, a lot of people find this process a complicated one, mostly because of the many options that it offers – on the organization, a specific department/branch, a product or service, and on employees, among others. In order to minimize this confusion, the items below will give you a general idea of what Performance Management is all about as well as the activities that are involved in this process. What is Performance Management? Performance management is a process that provides both the manager and the employee (the person being supervised) the chance to determine the shared goals that relates to the overall goals of the company by looking into employee performance. Why is it important? Performance Management establishes an outline for employees and their performance managers to assess and to come to an agreement on certain concerns and aims that are in accordance with the overall structure of the company. This enables both parties to have clear objectives that would help them in their work and in their professional growth. Who conducts Performance Management? Performance Management is carried out by those who oversee the performance of other people – work/team leaders, supervisors, managers, directors, or department chairs. What are the processes involved? Below are the phases of the Performance Management process: 1. Planning This phase of Performance Management process includes establishing job descriptions and identifying the employee’s essential functions as well as defining the strategic plan/s of the department or the company as a whole. Job Description A job description is used to advertise a vacant position, which typically specifies the following: - The specific functions, tasks, and responsibilities of the position - The amount of time needed to act upon each function - The qualifications needed (skills, knowledge and abilities) to perform the job - The physical and mental requirements of the position - Salary range for the position - To whom the position reports Job descriptions should be disclosed to the employee as soon as he or she is hired. Note, however, that job descriptions are listed using words that make it difficult to measure the employee’s performance. They are in contrast with competencies, which list the skills needed in performing such tasks and are described using terms that can be measured. Strategic Plan In effect, a strategic plan tells you three things: - Where the company is heading in the coming year/s. - How the company is going to get there. - How the company will know if it is already there or not. Included in a strategic plan are the following: Mission statement – the primary reason why your department (or company) exists. Goals – associated with the mission statement, they determine the results that will advance said statement/s. Strategic initiatives – specifies definite steps that must be taken to accomplish each goal. It is a dynamic process, usually examined during periods such as one or two years. 2. Developing This phase of Performance Management process includes developing performance standards, which offers a scale that describes how a specific job should be performed in order to meet (or exceed) expectations. They are explained to newly hired employees and are later used to evaluate work performance. Performance standards are generally outlined with the help of the employees who actually perform the tasks or functions. There are a number of advantages with this approach: - The standards will be suitable to the requirements of the job - The standards will be applicable to actual work conditions - The standards will be easily understood by the employee (and performance manager as well) - The standards will be acknowledged (and received) by the employee and the performance manager Standards of performance are usually in the form of ratings (1 to 5, A to E) that are used by performance managers to rate the employee’s actual level of performance. 3. Monitoring This phase of the Performance Management process includes monitoring employee’s work performances and giving feedback about them. As the basis of feedback, observations should be verifiable: they should involve noticeable and work-related facts, events, behaviors, actions, statements, and results. Feedback of this type is called behavioral feedback, and they help employees improve and/or sustain good performance by precisely identifying the areas that the employee needs to improve without judging his or her character or motives. 4. Rating This phase includes conducting performance evaluations. This is the critical aspect of the Performance Management process, especially because it is important for performance managers to arrive at an unbiased assessment. A performance appraisal form has the following features: - Employee information - Performance standards - Rating scale - Signatures - Employee performance development recommendations - Employee comments - Employee’s Self-appraisal Why conduct performance appraisals? It provides an opportunity to improve performance in the future not only for employees, but for managers as well. Performance appraisals enable managers to acquire information from employees that will help them make employee's jobs more productive. 5. Development Planning This phase of the Performance Management process includes establishing plans for improved employee performance and development goals. This advances the overall goal of the company and at the same time increases the quality of work by employees by: - Encouraging constant learning and professional growth. - Helping employees maintain the level of performance that meets (and exceeds) expectations. - Improving job - or career-related skills and experience. In closing, Performance Management is a process that, when executed fairly and effectively, can improve the quality of the company’s workforce, raise standards, increase job satisfaction, and develop professionalism and expertise that would benefit not only the employees but the entire organization as well.

         
    A mobile merchant account

     

    If you operate a mobile business and worry about taking credit card payments the old fashioned way, rest assured that a mobile merchant account can provide you with up-to-date technology that will give you the lowest retail rate and instant card feedback while in the field. You won’t have to worry that you might not learn that a customer’s credit card is rejected when you return to the office. Nor will you have to leave a statement and hope the customer remembers to send in a payment. Now you can apply for a mobile merchant account that will provide you with up-to-date wireless equipment that can provide confidence and security while you are processing payments on the road. When you are ready to apply for a mobile merchant account, you will be happy to know that many companies can give you an answer the same day. As long as your company has a decent credit history and is able to pay monthly fees for account services, you should have no problem in getting approved for a merchant account. If you conduct business while on the road, for example, by delivering floral arrangements, making service calls, or providing transportation, you can collect credit card payments at the point of sale rather than waiting to send a bill or hoping the customer will have the correct amount of cash or pay with a check that won’t bounce. If you plan to attend a trade show, a conference, a convention, or a seminar where you will be selling products, you can take along a wireless credit card processor to make sure you get paid the same day. Wireless units come with or without printers. They will let you get the lower retail swiped rate, along with immediate authorization and sales confirmation, instead of paying the keyed-in rate if you call the credit card number into the office for processing. Your mobile merchant account will help you save money and time. You can handle the credit card processing yourself instead of hiring accounting staff to send out bills and call for collections when checks bounce from the back. You can even get additional mobile equipment to support your business transactions while in transit, like a pager or an e-check processor. Most units are small and easy to transport in a vehicle of just about any size. They fit neatly on a table for indoor business purposes, too. No special training is required for operating them. Just read the instructions or talk to the account associate to learn how you can start accepting credit card payments quickly and easily. The rates for utilizing a merchant account are not prohibitive. Plan to discuss the fees with your lender to be sure you understand the pricing for each type of service. Your credit card processor may be billed at so much per transaction, or you might be able to request a monthly percentage rate. Find out why so many business owners are using credit card processing equipment that can be obtained with the help of a mobile merchant account.

         
    A successful business financial projection can be the key to securing financing

     

    A business seeking capital can’t afford to underestimate the importance of business financial projections. A business financial projection is simply forecasting your sales and revenue to the lender. This information is important because it is a key indicator to your ability to repay a loan. If you are unsure about financial forecasting and how it relates to your business it is best to hire someone who does know. Most lenders will want to see a three or five year projection. There are 14 different items to include and fully support in your financial projections. With these different items it is best to give a month-by-month breakdown for the first year, a quarterly breakdown for the next two years, and an annual breakdown for the final two years you are projecting. The different items to include in your projections are; sales revenue estimates, administrative costs, production costs, sales costs, capital expenditures, gross margin by product line, sales increase by product line, interest rates on debts, income tax rate, accounts receivable collection plan, accounts payable schedule, inventory turnover, depreciation schedules, and the usefulness or depreciation of assets. The income projection enables the owner/manager to develop a preview of the amount of income generated each month and for the business year, based on industry supportable predictions of monthly levels of sales, costs, and expenses. When determining the total net sales you will be finding out how many units of products and services you expect to sell at the prices you are projecting. Make sure to think of what returns, allowances, and markdowns can be expected. The sales costs needs to be calculated for all products and services used. Ensure that when determining the costs of sale that you don’t forget anything such as commission paid to sales representatives, transportation costs, or any direct labor costs. For the gross profit you would subtract the total cost of sale from the total net sales. To get your gross profit margin you will divide the gross profits from the total net sales. This will be expressed as a percentage of total sales or revenues. When formulating your business financial projections there are five items that will ruin the accuracy of your projections, and hurt your chances of being approved for business financing. The first one is wishful thinking or being over-optimistic about your sales potential. Ask yourself: “Is it possible to achieve the sales levels you’re forecasting?”. A good example is that a sales team can only visit a certain number of customers each week or a factory can only manufacture a given amount of products on each shift. Make sure to keep your projections realistic and even more important to be based on supportable evidence. It is imperative to also make sure that your sales assumptions are linked directly to your sales forecast or your information will contradict itself. Most lenders are “by the numbers”, so if your numbers don’t add up, you will get declined. A good example of this is to say that you expect increased sales in a market that is declining. That just does not add up. Another thing not to do when projecting your business finances is to spend a lot of time refining the forecast. Try to avoid tinkering with the target numbers once they are set. Many business owners neglect to ask the opinions of the sales people who know the buyer’s intentions about what they think the projected sales should be. It is important to make sure your sales team agrees on any sales targets that will be set. One other fatal mistake made by business owners when working on financial projections is not getting feedback on the projections from an accountant.

         
    A time to focus and a time to diversify

     

    I’m the Queen of the Focus message in the Work at Home Mom Community. I believe it’s important to have a tight focus when you’re developing or growing a home business that will pass the test of time and bring in a reliable income. This is especially true when it comes to a Direct Sales business. If you’ve opted to join a Direct Sales company such as Mary Kay, Pampered Chef or Lia Sophia you will experience the highest level of success if you keep all of your business attentions on that one company. There is a temptation for some Direct Sellers to branch off into a ‘complimentary’ business. They may think that a gourmet food company would be a perfect addition to a Pampered Chef business, and at first glance it might seem to be so – but it really isn’t. The beauty of Direct Sales is that it’s a ready made business. The company has done all the hard work for you when it comes to a sales plan, promotional materials, etc. Marketing experts have designed a system that has been proven to work if you just work it – so anything you do to muddy up the message is going to reduce your effectiveness. There are some businesses that do benefit from diversification, which is just a fancy way to say that you’re offering multiple products or services. A home based crafter often creates a wide variety of items, people do love choices at craft shows. An internet marketer will create several different websites of varying topics and interests to ensure that their affiliate income will remain stable through any particular market changes. One of the most interesting examples of diversification that I’ve seen is being demonstrated by a single mother in my town. Tishia Lee just left what will hopefully be the last of several low paying dead end jobs to launch her own home based business, ‘Tishia Saves Time’ ( tishiasavestime). Tishia Saves Time is two businesses in one. On one side she’s offering Virtual Assistant (VA) services to busy internet marketers. A VA performs all kinds of administrative tasks according to the needs of a client. Tishia does internet research, answers client email, updates websites, etc. The other side of her business is offline. Tishia offers personal errand services for local clients. She’ll pick up dry cleaning or make a run to the grocery store for a low hourly fee plus mileage or she can even be tapped to come over and clean your kitchen on one of those busy days when you just need a helping hand. The two branches of her business flow smoothly together. She has acquired several regular clients and has the flexibility she needs in her schedule, leaving her plenty of time to enjoy her young son. So where are you with your home business? Should you be tightening up your focus or looking for ways to diversify?

         
    Absence management and workforce management

     

    : That absence management is a key component of workforce management does not really need an explicit mention. However, planned and unplanned absence is a universal fact of work and many organizations might take it as something that cannot be avoided. There are ways to minimize both absence and its impact. First, we need to look the factors that cause absence, particularly unplanned absence that is more disruptive to work. Reasons for Absence

    • SHORT-TERM SICKNESS: Short-term sickness is a major contributor to unplanned absence. An employee might call in sick, or produce some kind of certificate to prove the sickness
    • LONG-TERM SICKNESS: This kind of absence is usually covered by a certificate
    • UNAUTHORIZED ABSENCE OR PERSISTENT LATECOMING: The employee might just absent himself or herself without any excuse, or might be a habitual latecomer
    • AUTHORIZED ABSENCE: Employees are entitled to different kinds of leave under the provisions of employment laws. These include annual vacations, maternity (and paternity) leave, educational leave, and so on. These kinds of absence can be scheduled and alternative work arrangements can be made through advance planning
    Measuring Absence and its Cost Many organizations do not take the trouble to find out the cost of employee absence, the reasons for the absence and ways of reducing its impact. With proper focus, absence is controllable to some extent, and the resultant benefits can be significant. By accumulating absent hours (including late hours) and comparing it to total available hours during the period, we can calculate the percentage of time lost owing to absence. By comparing the percentage for different periods, the trend of absence can be monitored. By department and section wise monitoring of the trend, it might even be possible to identify some of the reasons underlying high absenteeism. For example, poor working conditions or a bad manager or supervisor might be aggravating the problem in a department or section. Absence can also be measured by individual workers. The number and length of absences of each employee during a 52-week period is noted. Problem employees can be identified and the reasons underlying their absence can be investigated. Policies and Actions for Absence Management Surveys have revealed that sickness is a major factor for absence. The studies also indicate that stress-related absence is increasing compared to earlier periods. Absence management starts with clear policies for allowing employees to take time off due to sickness. The policies should meet the minimum requirements under the law, and can be more liberal to attract better employees. The policies must be communicated clearly to employees. In particular, employees must be fully aware of the procedures for availing sick leave, such as whom to notify, when a doctor's certificate or examination by company doctor is required and also any return-to-work interview requirements. Implement systems to measure absence by departments/sections and by employee. Seeking the help of occupational health professionals to reduce the incidence sickness and stress can help reduce incidence of occupational health and injury problems. Unacceptably high and persistent levels of absence need to be handled through disciplinary procedures. Conclusion Absence management is an important component of workforce management. Absences can occur owing to different factors. Managing absences start with the organization measuring the levels of absence and identifying the reasons for it. Once a clear picture is available, organizations would find it easier to tackle unacceptably high levels of absence. Studies indicate that sickness and stress are major contributory factors to absence. These are unplanned absences and cause more disruption. We look at sickness absence in more detail in a separate article.

         
    Accounting police do they exist

     

    Who created accounting principles? Who sets and revises accounting standards? What if you don’t follow all the rules, do you go to jail? Is there an accounting police force that investigates and arrests violators? It would seem that there must be some regulatory force to make sure that providers of financial statements conform to the rules. There is, up to a point, and here is how it works: Mainly, it’s all voluntary and it works pretty well. First, double-entry accounting originated in Italy in the 1400’s, so its been around awhile. Accounting principles have evolved over the years just as have accounting standards. The reason why the system works is that the business community could not function if there was not commonality and consistency in financial statement reporting. It would be chaos, much like if there were no driving rules of the road. Therefore, in the United States, a body of experts known as the Financial Accounting Standards Board (FASB pronounced Fasbee) was established in 1973, which superseded another board called the Accounting Principles Board (APB). The FASB members go through a lengthy process of analyzing and reviewing problems in the accounting field that are brought to them. After much thought, they will make a pronouncement as to what they think the new or revised way of approaching the treatment of an accounting issue should be. They are a non-governmental organization that has private financing. A big supporter of FASB is the American Institute of Certified Public Accountants (AICPA). Many Certified Public Accountants (CPAs) belong to this prestigious organization and are obligated to abide by its guidelines and principles of behavior. Other countries no doubt have similar organizations that require high levels of accounting professional conduct. FASB established an accounting code called “Generally Accepted Accounting Principles” or (GAAP). The assumption is that if a business financial statement is prepared according to GAAP, then the user of that financial statement could rely on or trust the information more readily than if not prepared according to GAAP. Those businesses that deviate from GAAP, and many smaller businesses do, cannot say that their statements are prepared under GAAP; in fact, they should inform the reader that they are not. However, let the buyer beware. One governmental body that has a policing function is the Securities Exchange Commission (SEC). It is primarily concerned with public companies because their job is to protect investors from unscrupulous acts. Recently, the SEC has gotten into the act of establishing accounting standards. It has its hands full today. Since most businesses use their financial statements to prepare their required income tax returns, the Internal Revenue Service (IRS) may audit those tax returns and review the financial statements upon which the tax returns are based. Not following the rules can get you in trouble with this governmental body. You can see that in many ways compliance to the principles and standards is a mixture of voluntary and regulatory behavior. Currently, there is an effort underway to set international accounting standards due to the inexorable globalization process. This is a massive undertaking that will take years, but it is obviously necessary and inevitable.

         
    Accounting principles standards avoid them at your peril

     

    Accounting principles are the basic assumptions, rules of operation, and essential characteristics that make up the framework for the construction of accounting financial statements. Long ago, I was perplexed to discover that there was no “set” of accounting principles that was presented in one form such as you might find in the Bill of Rights. This is not to say that the principles are incomplete or vague, it only means that the definitions of accounting principles can be presented in various formats, which may lead to confusion for some people, especially beginners. Be that as it may, accounting principles are absolutely necessary when preparing financial statements, just as the rules of a particular card game make the card game possible in the first place. Accounting principles are like the glue that holds the accounting process together. For example, financial statements have an overall objective, which is to provide the user of the statements a useful tool for making business decisions. In order to be useful, the accounting information must have certain characteristics, such as being dependable and practical. To be dependable, the accounting information must be unbiased, accurate, and verifiable. To be practical, accounting information must be predictable, prepared in a timely fashion, and be able to provide meaningful feedback. Additional characteristics are that the accounting information must be consistent, comparable, serve a utilitarian need (such as cost/benefit), and make a material difference. Besides characteristics, certain operational rules are established as to when revenue and expenses are reported; how expenses are matched to revenue; what to do when a choice can be made that might overstate or understate figures; and, what information should be disclosed so that the reader will fully understand the circumstances under which the information is being presented. There are also basic assumptions that the reader can count on, such as: the information is related to the business entity only and doesn’t have any unrelated information mixed in; the business is a going concern and won’t cease operations soon; the financial information presented is measured in specific time intervals such as a month, quarter or year; the financial information is using a certain unit of measure such as dollars, not board feet, etc.; the information is presented at historical cost, i. e., when received, paid, or incurred; and, the method of accounting being used is double-entry and not some other method. These are accounting principles as opposed to accounting standards. An accounting standard is an agreement as to how an accounting issue will be treated. For instance, a standard might state what type of inventory system is appropriate to use for a certain type of business; how capital leases should be recorded; how many years intangible assets should be amortized; what methods of depreciation should be used, and so on. There are literally thousands of accounting standards that have been issued over the years. These standards are constantly being revised or discarded as they become outdated. If you want to play the accounting “game of cards”, you must become familiar with the “rules of the game”, which are accounting principles and standards. If you choose to not play by the rules, you do so at your own peril, as we have seen recently in the U. S. corporate accounting scandals.

         
    Accounting professionals are they necessary

     

    Does your business needs an outside accountant? It all depends. If you require an audited or reviewed financial statement, then, yes, you need a CPA. In any event, it is always a good idea to maintain a relationship with an accountant no matter how small your business. Whether your accountant is a CPA is up to you. The real question is: To what extent do you need outside accounting services? That also depends on you and the nature of your business. I always start with the admonition: The Buck Stops With You! You cannot afford to dissociate yourself from understanding the meaning of your financial statements. If you solely rely on your accounting staff or accountant for completely accurate financial data, then you are asking for trouble. If you are going to own or manage a business, then you have a responsibility to learn how to speak the language of business. The language of business is accounting knowledge. How involved you become in the accounting process will be determined by time schedules, your mental pre-disposition, desire for control, cash flow, etc. One scenario, if you can afford it, is to hire an internal accounting staff to prepare financial statements on a monthly basis and have an external accountant check them over. Another common scenario is to prepare part of the compilation yourself, such as preparing a sales journal and a cash disbursements journal, and then hire an outside accountant to prepare a bank reconciliation and the financial statements for you. Some do this on a monthly basis, others quarterly. Some business owners do the books themselves all year and turn them over to the accountant at the end of the year to verify the balances and do the depreciation entry for tax purposes. There are numerous ways to work with an accountant. Regardless, you should learn enough about accounting to be able to communicate intelligently with your accountant. Since you are intimately involved in your business you may recognize danger signals that not even your accountant will see. Selecting an accountant Relying on the yellow pages to find an accountant can be risky. The best way to find any professional is by a referral. However, you need to interview prospective accountants before signing on. One of the first priorities is to find out what their experience level is. Your business may have very specific accounting and tax issues that require a certain amount of expertise. Perhaps you have a manufacturing concern. What does the accountant know about raw materials, work-in-process, and finished goods inventory accounting? Does the accountant know how to set up job-costing and overhead burdens? Ask for references from other like-kind businesses. Keep in mind, that you may go to an established firm with a good reputation, but with whom are you going to have a relationship? Is your account large enough to warrant a relationship with a partner? You need to feel confident with the person assigned to your account. Perhaps a smaller firm with four or five accountants who are all seasoned veterans might work better. You will also want someone with whom you can relate. The ability to communicate is a crucial factor. Your accountant may be technically proficient but can you understand what he or she is telling you? Does he or she listen when you ask questions? Don’t be afraid to ask for someone else if you are having difficulty communicating. Another important criterion is “accessibility”. Is your accountant too busy to talk to you? Can you get your questions answered within a reasonable period of time? Do you feel important to him or her? Situations may arise where you need information immediately to make an important business or tax decision, will your accountant respond quickly? Last, but not least, are the accountant’s billing practices. Billing practices vary from firm to firm. Some firms are very aggressive and put tremendous pressure on staff and partners to bill every minute they can. Some firms require a review process before any work goes out the door. This means that every person who performs any work on your account, including the person who puts the stamp on your envelope, bills you for it. Find out in advance what happens if you call the firm to ask a simple question that takes less than five minutes to answer. Are you billed for five minutes or are you billed in increments of fifteen minutes even though you only talked for five? Some firms justify this increment billing by explaining that you are paying for the accountant’s expertise that may have taken years to acquire, therefore, they say, it’s worth it. Some accounting practitioners charge a flat rate for services rendered or a combination of flat services and hourly charges. For instance, an accountant might charge $200 a month to prepare a monthly financial statement but charge $100 an hour for special projects. Within the monthly fee, the client can call to ask questions that last fifteen minutes or less for no additional charge. This way the client is not reticent about calling. Getting your question answered may prevent little problems from later becoming bigger more expensive problems. Very often projects take longer to complete than anticipatedplications arise and the practitioner should be paid for his or her work. Always insist that, if there are going to be additional charges over and above what has been agreed upon, that the accountant gets your approval first. Be sure to clarify these procedures before engaging an accountant in an “engagement letter”. This is a document that spells out the responsibilities of both parties and how the relationship is going to work. Remember, there is absolutely no reason to be intimidated by your accountant. After all, you are paying for the services, and I promise you, the accountant wants your business.

         
    Achieve success with positive communication

     

    Use these six strategies to communicate effectively. 1) You can accept anything without agreeing with it. Thus, acknowledge amazing requests and outrageous statements with responses such as: "That's an interesting idea." "That's a novel request." "What an intriguing question." Use this as an opportunity to understand what the other person is saying. And then move on to other topics without attempting to argue. 2) People judge others by their actions. This means you are being judged by the perceptions you create with your words and actions. For example, if you act angry, even though you feel otherwise, you will be judged as being hostile. If you sound helpless, even though you feel otherwise, you will be judged as being ineffective. Thus, choose actions and words that convey the impression you want to make. 3) People judge themselves by their intentions. Thus, acknowledge that the other person's actions or words are correct and proper (as seen by that other person). Even when someone's behavior appears completely absurd, that person most likely believes it is justified. 4) Everyone deserves courtesy and respect. Diplomacy gains more than hostility. It is always the best way to begin a dialogue. After all, no one has ever had to apologize for being courteous. When you treat others with respect, you set the standard for how you want to be treated. 5) Everyone has valuable ideas. Everyone is an expert in some area. Everyone has unique talents. Effective leaders helps other people excel at expressing their ideas. They ask questions. They show interest. They make the other person a star in their conversation. 6) Realize that you can always learn more about the other person's needs, priorities, and situation. Ask questions. Seek solutions. Think positive. Quick reactions often lead to apologies. Start by being thoughtful and seeking to understand fully.

         
    Achieving cash flow management through accounts receivable factoring

     

    Accounts receivable factoring is another mode of receivables management and working capital funding to eventually increase the cash flow. Accounts receivable factoring involves buying and selling of accounts receivables in order to obtain immediate cash or working capital. Accounts receivable factoring helps in acquiring cash for the product or the services rendered. It results in immediate cash inflow without creating any debt or transferring the business ownership. Accounts receivables are the most values assets for any company. It is one of the mode for increasing sales and expanding business. The payment is done of the 80% of the invoice value. The 20% of the value is kept as reserved and is paid after deducting the fee once the amount on the invoice is due. This practice if accounts receivable factoring is most suitable for small and medium business owners. Due to accounts receivable factoring small and medium business owners are able to generate cash and avoid the debt trap. It also helps in representing string financial status and avoids interest on any loans if otherwise taken. Accounts receivable factoring also results in increased working capital as receivables are conditional on customer's creditworthiness and not the business owners. It helps to avoid loan repayment, transferring business equity, engaging the assets, and also avoid yearly loan review process. For a small business owner accounts receivable factoring represents gaining working capital without overtaking any debt or loan. It is also a mode to increase sales without any repayment tensions for any loans etc. Thus business is able to meet demands and the circle keeps on auto-rotating as accounts receivable factoring increases sales and increased sales asks for more money to complete more orders. Accounts receivable factoring also provides relief from non-paying clients or slow paying clients. It generates more sales due to increased orders. It also offers flexible funding program to help heighten the sales graph and take vendor discounts due to availability of cash. This practice of accounts receivable factoring generates cash to fund the payrolls and taxes due. The funds thus generated also help to increase the inventory or buy new equipments, tools, etc to flourish the business. The availability of cash helps small business owners to negotiate for discounts from their vendors and suppliers. It also helps to reduce book keeping, depositing checks, monitoring collection process, and preparing reports for collections. Brokers or agencies also provide their services for accounts receivable factoring. They help the business owners to manage their collections, payments, generating more cash and managing their cash inflow process.

         
    Action vs. inaction

     

    Spring is a great antidote to long cold winters. It's the same with action and inaction. Action is a powerful antidote to the stagnation of inactivity. Being creatively alive involves abandoning a position of inaction in circumstances which have traditionally immobilized you. The name of the game is action. Doing. Overcoming your inertia and acting will give you a whole new lease on being creatively alive. Action is the single most effective antidote to depression, anxiety, stress, fear, worry, guilt, and of course, immobility. It is virtually impossible to be depressed and active at the same time. Even if you wanted to, it is difficult to keep on moping, complaining, lolling around and wallowing in self-pity if you get active and do something. Anything! Just doing is such an important part of being a fully functioning person. In fact, that lack of action is not a result of depression; it is the cause. Don't be paralyzed by the fear of making a mistake. Taking action, gives you momentum. Initiating the effort attracts opportunities and synergistic things happen. Inactivity, on one hand, is most often a choice rather than an inescapable fact of life, while action is a definite way to avoid being victimized by yourself or others. If you decide to do something about your problem or challenge, rather than grumble about it, you'll be on the road to changing things around for yourself. When you take action, you also take control. Thinking keeps you a prisoner of the past. Action puts you in control of the future. If you find yourself asking, "Yes, but what can I do" the answer is very, very simple. Anything is a lot more effective than nothing. This old proverb has a lot of truth in it: Even when you are on the right track, you'll get run over if you just sit there.

         
    Advantages of outsourcing infrastructure management services

     

    Managing vital operational components, such as policies, processes, equipment, data, human resources, and external contacts, for a far-reaching effectiveness of an organization's information technology essentially constitutes infrastructure management services. Effective infrastructure management primarily ensures conformance to standards and interoperability between an organization’s internal and external entities, while enhancing the flow of information throughout the organization. It seeks to promote adaptability necessary for a changeable environment and maintain effective change management policies and practices. In-house infrastructure management is a complex, resource intensive and expensive proposition. Moreover it hurts core business of enterprises by taking their focus off the core businesses. According to a leading research & analyst firm, investments in infrastructure management constitute one of the single largest expenses for an organization. A growth in infrastructure scaling does not necessarily have to mean a growth in expenses. The 21st century has brought with it a smart way of business operations - outsourcing. Outsourcing, infrastructure management offers enterprise customers higher reliability, reduced risk, and lower IT costs through one-stop management for the entire IT infrastructure. Advantages of outsourcing infrastructure management services: • Reduces total cost of IT operations. • Restores focus of enterprises limited IT resources for core business activities. • Rationalizes IT staffing and training costs. • Optimizes IT asset utilization. • Facilitates service delivery. • Improves uptime and system availability. In a world where the budgets are always shrinking and expectations always rising a world class service partner with exceptional talent is required. CSS provides a complete portfolio of infrastructure management solutions and services for geographically distributed network resources, 24x7. Our infrastructure management solutions are based on an architecture that is open and scalable thus enabling easy integration of vendor or customer-supplied tools. CSS infrastructure management solutions for a broad spectrum of servers, storage, networks, security, databases, desktops, and applications CSS infrastructure management solution goes beyond 24x7 monitoring to include proactive problem identification and resolution, thereby reducing costs and improving service levels. Built-in root because analysis aids in easy identification of potential problems and automatically fix them before they affect performance. By automating corrective actions, IT organizations decrease problem resolution time and improve system availability and reduce downtime.

         
    Advantages of time management

     

    The advantages of time management include reducing stress, gaining time, reducing avoidance, while promoting reviews and eliminating cramming. Another advantage is that managing time helps us to stay motivated while we avoid procrastination. The trick to successful time management is setting up goals that work, while having an awareness of those goals and prioritizing your list of goals. When you set up an effective time management plan, you are growing and upholding a personal commitment to yourself, with the ability to be more flexible. When you have a great time management plan, you are giving yourself an individual chance to, to generate a timetable that works to suit your busy caseload. When you create a good plan, you will soon find time to do all the things that matter most to you in life. In addition, when you have a good time management plan, you are saving your health. Plans have a schedule timed, which includes all the activities you are responsible to handle. Your Master Timetable should include all the most important activities you are responsible to handle. It is important that you modify this schedule according to your time changes. When you set up a Master Timetable, you will need to list the priorities first, and work your way down to the least important tasks. It is important that you follow as you write the tasks first listed. In other words, if you state on your Master Timetable that you need to write up some documents for your business, then do this task first and proceed to the next task. Try to avoid handling multitasking at once, unless it is your job and you are sufficient, and have laid out a time management plan. You will also need to include meals, sleep, family, friends, yourself, and other tasks if you they are a part of your time management. By setting up a Master Timetable, you can work out your time scheme by working through the list on the time chart. Try to avoid skipping a scheduled task, or procrastinating, since this will only delay your plan. It is important to keep in mind, that time is essential. When we waste time, we are wasting money. After you have laid out a suitable Schedule Timetable, you will soon learn that your motivation has increased, while your progress is moving ahead. In addition, you will soon find that your stress level is at a normal state. When you are not focused, or do not have a time management plan, you are only hurting yourself in the long run. Most people without a time management plan often suffer with poor health, insomnia, and other discomforting issues. Some people even find themselves in court waiting for the judge to say “You are now divorced.” So you can see that time management is important since it affects everyone around you, but most of all, it affects you. A final tip: Exercise and eating right plays an essential role to time management, since when you feel good, you work well under a management plan.

         
    Adventure team building the fun way to success

     

    Adventure team building is a great way to infuse your company with new life – with a breath of fresh air! This type of team building activity incorporates many of the elements you find in traditional corporate events but accomplishes them through outdoor activities and more adventuresome games. Many companies offer adventure team building activities to serve a wide range of functions. A wide range of activities is usually offered so you can choose the one that will strengthen the values that are core to your business. Some events can last for a few hours, while others might last a few days and can accommodate up to 500 people at a time. And you won’t believe how many activities from which you can choose. Some include: archery, rock climbing, kayaking, raft building, zip wires, mountain biking, sailing, night walks, fishing, horse riding, mountain expeditions, kite building and flying, barbecues, camping, and backwoods skills. Adventure team building is perfect if your company requires events that will really offer a change of pace to your team, get them out of the office and learning new skills through a variety of different means. Adventure activities can invigorate a group of people and help them bond better than any other experience. Perhaps better than any other corporate event, adventure team building improves communication problems, strengthens leadership skills, and helps with problem-solving, decision-making and teamwork. Adventure events are held in a wide variety of locations and venues, so you can choose what works best for your company. Resorts, conference centres and parks are just some of the places where adventure team building can take place. And many organizations can custom-build a corporate adventure for you that is designed to develop the specific skills required by your employees. Adventure team building is also an excellent way to celebrate a success story and reward your team for a job well done. This will help to continue the success, boost future team performance and increase morale. Whether you choose a helicopter ride or a camping experience in the woods, when everyone in the office feels motivated, energized and excited about work, more success is definitely on the horizon.

         
    Against all odds tips on how to protect your assets

     

    With so many bad things happening in our society today, it is important to obtain safety measure needed to protect our lives, our business, or simply the things we own. That is why a lot of people are finding asset protection as vital in one’s economic growth and stability. - Asset protection shields your assets - Protect your possessions against credit claims - Easily dismiss complaints - Crucial in company security 1. A Good Investment For example, when an individual opt to buy some insurance for his or her car or house that is already one good illustration of asset protection. In this case, finding some means to protect your property because you value most the things that you own and the money, time, effort, and hardships that you have employed just to acquire the items is decent and practical. Hence, people who insist that getting asset protection is an immoral thing does not know anything about asset protection in one way or another. Nevertheless, for people who deem it more necessary than just buying some properties without insurance, there are some tips that you may find useful when getting asset protection. 2. Consider the different types of asset protection Basically, there are three categories of asset protection: wealth-segregation asset protection, insurance-type, and the liability-limitation asset protection. Each category has its own function and description. 3. When using wealth-segregation asset protection Today, there are many ways and laws made to segregate one’s wealth through asset protection method. In this method, you get to protect your assets that your creditors are aiming to get or your complainants who wish to obtain your assets. Good examples of asset protection are those that are stated in bankruptcy law. By filing bankruptcy, you get to protect your assets from imminent claims of your creditors. With bankruptcy proceedings, the court will usually issue a written order curbing your creditors from any claims against you or from continuous harassments. It is, however, still important to carefully consider such options before jumping into conclusions. Asset protection methods such as bankruptcy cases may have adverse effects on your credit history and may do more harm than good. So, when trying to utilize wealth-segregation type of asset protection, it is best to choose those that can safely shield your properties from any imminent danger without having to employ additional risk. 4. Insurance protection This is one of the most common and well-known type of asset protection. Here, you pay certain amount of money in exchange of insurance policy that you will use in case something gets out of hand like accidents. The insurance company will be the one who will cover the cost of expenses incurred therein. In this way, you get to protect your asset against any claims of your complainants in lieu of the incident that had happened. When choosing insurance-type of asset protection, it is best to always shop around before deciding to get one. Keep in mind that not all asset protections are made equal and may vary from one company to another. That is why, it really pays to shop around and compare prices first so that you will get to choose the best asset protection for your property. 5. If you want the liability-limitation asset protection… This type of asset protection entails the coverage for the assets incurred or invested by the company. This means that when things get out of hand, the company is bound to lose only the things that were invested by the company. It will not include the owner’s personal properties and other assets outside the company’s jurisdiction. Whereas, if a company does not have any asset protection, chances are, the owner will lose not only the things he or she had invested but all the other things outside the company as well, including cars and everything. Whatever protection it can give you, it is best to consider the rates and charges that it will cost you. There are instances that this type of asset protection usually charges big especially when the people behind the company who provides these asset protections know that they are dealing with a big business.

         
     
         
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