Do it yourself and increase your value

When entering the professional world on your own, a mastery of your trade is integral to success. For those of us who have built a business from the bottom up, we have a very clear and concise knowledge that big time investors might not have. This knowledge is critical in knowing how to deal with customers. It makes them feel confident and more comfortable. It makes them understand that you’re not just a salesman, you’re far more than that. When you build your own business from just a seed of an idea to becoming an actual employer, your value increases.


For those of us who dream of opening or starting a business and don’t have much of the ‘do it yourself’ experience, taking first steps in long journeys is daunting. However, as with anything else in this world, everything is daunting until you try it. I understand that designing and distributing media, or setting up business accounts and hiring, or literally building a storefront are not every day activities for the average man or woman, but you can learn easily enough if you use any of the myriad resources at your disposal. The internet is an endless supply of knowledge, accessible to anyone with a computer or phone, and sites like roll up banner stand or will help you transform your good idea into a great idea!

I recently opened up a restaurant called The Bucket List. It all kind of happened by accident, and was an unlikely endeavor, especially because I’m not a businessman, or at least I wasn’t. The thing that makes my restaurant different from others is that my customers design the menu specifically for them. Each meal is kind of like its own art project, which makes it more fun for my staff and me, and unforgettable for my customers. I have guests give me their dream meal when they make their reservations, and reservations need to be made two weeks in advance. Each reservation gets its own consultant who helps them form a potentially out of the ordinary menu. The rules are simple, I won’t make anything illegal. That means nothing poisonous, nothing endangered, and nothing that employs or condones any harmful behavior. Anything outside of that is fair game.

The reason I bring this up is because I actually did build this business up from a mere concept to a now almost breaking even business. Because of my experience in learning how to do everything myself, I have a better sense of how to market myself and to whom. For example, when I conjured this idea a few years ago, I thought that everyone would want a bite of the bucket list. That was pure fantasy based on nothing at all. Dreams, I suppose. Now I’m realizing that not only is my restaurant for a specifically niche clientele, I’m also realizing how to reach them. I’ve joined a number of food clubs in Southern California because I’m a foodie, but because of the communities I’m building, I have better access to niche vendors and to the market that I want to exploit. So do it yourself, and become more valuable.

Tuesday, September 30th, 2014 Uncategorized No Comments

Finding the Space to work not in the Floor Space but on the Screen itself thanks to the Cyber Science

When trading, the commercial activities of a company or a business house go on expanding the physical and actual space and accommodation become real matters of concern. And, particularly in a city environment, finding suddenly suitable and comfortable extra accommodation is really a problem. In cities and townships where industrialisation and urbanisation is growing fast, the landscape gets enlarged horizontally more. The geographical area of the place gets widened and expanded. It is a common factor for all cities and towns and for that matter of each and every country. If extra work force is compulsorily required and the working place and yards are needed physically there is no other method than to find an additional office work space. But science and cyber technology has given some sort of solution for this matter in the form of virtual offices and co working space for rent which is picking up every where in the world at least in the developed world where cyber technology prevails more in the day to day activities of the business house.

The scope of virtual offices is not only a concept but a practical remedy. It can not be said that it is the fully substituting factor for the space problem, but can accommodate those professionals who attend their jobs sitting at different locations and fill in their assignments through internet through their laptops, desktops or even handsets. Virtual offices are nothing but locations not necessarily existing with room or hall space but exist in cyberspace. It makes the professionals exploiting the rich opportunities through web conferences, video conferencing, Wi-Fi backed discussions in cyber room space. The leading multi national software and hardware companies get the services from their creamy brains through their output from their laptops and similar systems on occasions. Even transmission of data of higher volume is also possible and taken from them. Tele-conferencing and data transmission accomplish the task and these are done in the virtual offices. There are some companies who announce and advertise to provide virtual office space combined with real space for meeting and discussions.

Also, there is another concept becoming a sound reality in practice that is co working space. This indicates that there is a working place consisting of people who work for some business houses or individuals or professionals who contribute to companies or business firms. Here they find an opportunity to share values and ideas. They may work for different addresses. Nowadays, there are projects people who rent out their spaces which may fit for supplemental to virtual office for in-room discussions and co working spaces. Co working space makes a mini community of various types of professionals which actually delivers opportunities for valued exposures. Working in isolation by some talented professionals can be done away with by these spaces available. Big business houses and software solution firms look out for the co working slots for their requirements from professionals who at their conveniences avail this convenience and deliver goods. The business house is relieved of huge space, rent and other mundane problems and still thing do move.

Author Bio

Francis gives an overview on virtual offices by The availability of virtual offices and coworking space for rent is a great blessing for people.

Tuesday, September 30th, 2014 Uncategorized No Comments

What Is A Hardship Loan Modification And How Can It Help

When a homeowner is facing foreclosure he or she will be willing to do almost anything to keep from losing their home.  The good news is that most mortgage lenders will work with the homeowner to be sure that they will not lose their home.  In fact many lenders would rather work with you than have to deal with a foreclosure.  This is because when a foreclosure happens both party will win and the lender will lose a large amount of money.  This is why they are willing to work closely with you to see what kind of arrangements can be worked out.

Reasons For A Hardship Loan Modification Request

If a homeowner has a valid hardship reason a hardship loan modification can be made to help the homeowner stay in their home.  The tough question is what qualifies as a valid hardship.  When working with most mortgage lenders it is found that they believe in the same types of things as a hardship.  These are being laid off from your job, being in the hospital, getting divorced or having another legitimate reason why you cannot work to pay your mortgage.  Another common reason for a hardship loan modification request is when the interest rate on the mortgage loan is very high.

The Steps To Obtaining A Hardship Loan Modification

The first step in the process of obtaining a hardship is to write a hardship letter.  This letter should explain in detail every circumstance that is surrounding the hardship you are currently in.  It is important that the homeowner keep the letter short but to the point and should not blame the lender for the problems.

Another item that should be included with the hardship letter is a detailed copy of the homeowner’s finances.  This should include proof of income as well as tax returns and monthly bank statements.  These requirements will vary with each bad credit lender but these are the basics.

Have An Attorney Or Loss Mitigation Specialist

When you are preparing the hardship modification information it might be helpful to hire an attorney who specializes in this area or meet with a loss mitigation specialist to help prepare the modification request.  These professionals do these hardship modification requests on a daily basis and will know exactly what the lender will be looking for and give clear advice to the homeowner.  They will also have the experience to put the request package together so that the lender will take the request seriously and hopefully grant you the modification.


If you are a homeowner and you are going through a hardship it is recommended that you request a hardship loan modification.  The sooner you start the process the sooner the modification can get into place.  This is a long process that may take several months so it is important that you do not wait until the home is started in the foreclosure process to start.

There are plenty of professionals standing by to help if you have questions or need additional help in completing the packet.  Do not be afraid to ask for help.  After all having a roof over your head is more important than asking for help.

Friday, September 19th, 2014 Uncategorized No Comments

11 Tricks to Defend Against a Hostile Takeover

Corporate raiders may not plunder and pillage like their medieval counterparts, but the upheaval they cause is just as real. Any business with attractive cash flows and a healthy balance sheet can be the target of a hostile
takeover. These 11 tactics help defend against unwanted acquisitions.


Before the Takeover: Scorched Earth Strategies


Take on more debt. Weighing the balance sheet down with a large amount of debt can discourage hostile takeovers. The potential owners worry about repaying
the debt burden and still making a profit.


Acquire a company. Making an acquisition can dilute a corporate raider’s shares and, at the same
time, increase efficiencies and revenues over the long term.


Set up golden parachutes. Writing certain termination benefits into executive contracts may make an acquisition too expensive. Raiders who wanted to
dismiss the existing management team would need to pay out millions in severance pay, bonuses and stock options.


Set up differential voting rights. By giving one class of stock fewer voting rights than another class, businesses can ward off takeovers and still remain
attractive to investors. One class provides greater voting rights while another delivers better dividends.


Trigger limited voting rights. Under this plan, stockholders who own more than one-fifth of a company cannot vote on a takeover bid. In addition, the
presence of a potential acquirer triggers super-majority voting, which means that 80 percent of stockholders must approve any merger attempt.


Give shareholders buying rights. After a potential takeover has been announced, existing shareholders can purchase more shares at a discount. The purchases
limit a raider’s ability to win over a merger majority and make an unwanted takeover virtually impossible.


Encourage employee stock ownership. In addition to receiving tax benefits, corporations with employee stock ownership plans, ESOPs, have a better chance of
convincing shareholders and employees to side with management instead of with a corporate raider.


Spread shares across subsidiaries. Under a cross-shareholding strategy, the parent company owns 100 percent share capital in each of three subsidiaries.
The parent transfers valuable assets to the subsidiaries, and the subsidiaries issue more stock to the public and to one another. In the end, the parent
does not hold majority ownership of any subsidiary, making it a worthless target for takeover.


After the Takeover: Poison Pill Tactics


Issue propaganda statements. The goal of this tactic is to win the hearts of the people and effectively limit some of the dubious tactics that can occur
during a takeover attempt. The targeted company lets the public know how damaging a merger would be for a certain area of the country or for a certain
segment of the population. The company uses mass media to play the role of a helpless victim.


Locate a White Knight. Under this scenario, the company works with an ally, or White Knight, to rush in and save the takeover target. The White Knight
agrees to purchase the company for an amount greater than the raider, or Black Knight, is willing to pay. The company is then restructured according to the
existing management team’s wishes.


Follow a Pac-Man defense. At certain points in the classic video game, Pac-Man could turn on the
chasing ghosts and chomp them. In similar fashion, a corporation can use the Pac-Man strategy to turn on the acquirer and put forth its own takeover bid,
with or without the help of a White Knight.


Companies can come under the scrutiny of corporate raiders for any number of reasons. By taking action before and after a merger attempt, businesses can
maintain their independence and send invaders away empty-handed.

Friday, May 2nd, 2014 Uncategorized No Comments

How I Got Out Of Debt And Got My Finances Back On Track

A trust deed is basically a formal agreement where the assets of a borrower are transferred to the trustee who negotiates with the creditors about the repayment of money. You will find the Trust Deed website on the internet depending on which place you live in. If you are a resident of England or Wales then it will be termed as Individual Voluntary Arrangement and if you are a resident of Scotland it will be termed as Scottish Trust Deeds. But the question remains how you will get yourself out of debt through this and get your financial stability back. Given below are three types of deeds which will help you to understand how the whole thing can work:

  • General deed- a general deed is also known as regular deed which is taken by the creditors on their own consent on a voluntary basis. Here are the borrower would have to appoint a trustee and he will have to act as the insolvency practitioner. The assets of the borrower would be transferred to the name of the trustee who will then manage those assets on the creditor’s behalf. After some negotiation the creditors would have to sign the trust deed and after that the trustee will ensure that all the terms and conditions are fulfilled by both the parties.
  • Protected deed- these trust deeds are mainly enforced by some court of law. Here the trustee is appointed by the court and all the procedure is followed from the court itself. In order to register for this deed you will have to approach the court and disclose the facts. It helps in protecting both the creditors and the trustee.
  • Asset free deed- here the borrower does not have any asset to transfer to the trustee. The trustee would get a percentage of income from the borrower and rest of the procedure is the same as general trust deed.
Monday, February 24th, 2014 Uncategorized No Comments

Finding The Right Money Adviser In Scotland

Are you looking for a credible financial advisor? Well, the fiscal matters are really complex and with the spike up expenses & aspirations it really helps when you have a professional to guide you. In fact, a financial advisor is especially significant if you are into debt and looking for a viable debt management solution. Now, there is no dearth of financial advisors in Scotland but the truth is that not everybody would be up to the mark. The article here thus lays down a brief guide on how to find the right money adviser in Scotland.

First of all, you must look at the specialization area of the money advisor. Some advisors are specialized on a general budgeted lifestyle while some others work specifically for senior financial guide or for the teenagers. Again, some money advisors hold specialization in debt issues. Thus, you must consider your needs first before going out on the advisor hunt. It must be mentioned here that if you are into large debts, your money advisor would mostly suggest taking to Scottish Trust deeds. Follow the Scottish Trust Deed review site to locate the most compatible company for you.

Then, you must always check out the industry reputation, certificates and experience of the money advisor. The ideal thing is to carry a thorough survey on 5-6 potential advisors before the final sign-up. The one you choose should be a licensed & certified professional with prolonged experience in fiscal matters. The more experienced the advisor is, better he would be to ease your complications. Do not forget to check out the complaints against the advisor- your chosen one should have the least number of complaints against him among the surveyed lot.

Besides, the money advisor you are taking should be a dynamic professional updated about all the latest Scottish regulations about the fiscal matters in the country.

Friday, February 21st, 2014 Uncategorized No Comments
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