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Создан: 10.06.2008
Записей: 88
Комментариев: 0
Написано: 87


Insurance licenses

Четверг, 18 Сентября 2008 г. 08:31 + в цитатник

If you want to become an insurance agent you are going to need to have an insurance license. There are many types of insurance licenses and depending on what state you are in you might have to take a test for each group of insurance you want to sell.

Some of the insurance licenses you might be interested in obtaining are those that allow you to sell life, health, accident, auto, or home owners insurance. For any of these you will need to either take a course or buy a book to study. You will then want to register with your states' testing division and set up a test date.

Once you pass your test you'll need to fill out the paperwork and pay the fees required by your state. After you receive your insurance licenses you will need to take classes on a regular basis to keep your license, how regularly depends on the state you are licensed in..

You also need to decide if you want a license to become a broker or an agent. An insurance broker is a person who intercedes between businesses and insurance companies. A broker usually works with many different insurance companies so you can quickly find the best policy for you. An insurance agent, on the other hand, is usually authorized by only one company and represents it alone.

That company may handle multiple types of insurance but the agent will not be searching to find the best price for you. Rather, he or she will be looking for the policy that is the best for you out of the policies offered by their company..

When obtaining your insurance licenses you will be faced with many decisions regarding the sector of insurance you will practice in. But, once the laws and regulations of insurance are learned, each sector is only a test away.

Insurance : Insurance licenses


Corporate governance

Среда, 17 Сентября 2008 г. 00:35 + в цитатник

Corporate governance is the governing bodies and the governing laws regarding corporations. This is what gives the corporation stability and solicitude to be a separate entity and a successful business. These governances are designed with the intention of creating a successful business and providing the appropriate stakeholders with the appropriate payments..

There are governing bodies within the corporation that help to decide the direction of the corporation and the different laws and rules that are needed within the corporation. These governing bodies tend to include shareholders, management, and presidents of the company. These people are directly responsible for the choices made within the company.

These people should work for the best interest of the business and the shareholders..

There are government laws regarding the corporations as well. These laws indicate that a corporation is legally a separate identify from those who run the business. This means that person cannot use the corporation to pull him or herself out of debt or to repay a bankruptcy. This also means that if the corporation bankrupts, the shareholders and other stakeholders do not need to worry about their personal belongings and assets being used to cover the corporationТs debt..

It is very important to keep a close eye on the governing of a corporation. These governances are done to ensure the safety and security of those who invest in the business in one form or another. There are governances regarding the employees of the corporation, the managers and the shareholders. These governances have become stricter since the 2001 fall of Enron and other companies due to actions within the company.

These governances have been redesigned to hopefully prevent those failures from happening again..

Company : Corporate governance


New york stock quotes

Воскресенье, 14 Сентября 2008 г. 15:31 + в цитатник

One of the most recognized trading areas where you can trade your stocks and view their progress in real-time, is the New York Stock Exchange, also referred to as the NYSE. This is where many professional traders go to witness their chosen stocks rise and fall during the course of the day. New York Stock Quotes can refer to the quotes of stocks at the NYSE, located on Wall Street; or they can refer to the progressive financial development of the New York area as a community.

Companies that are located and run from New York are what help progress the economy of the state and city. An example of such a company is the New York Times, also known in stock options as the NYT. This company, which is based in New York, is also essential to the everyday life of its population. This company offers daily articles that are informative on the general happenings of New York and also of the financial state of the city.

Seeing as the NYSE is the nationРўs most popular stock exchange location, the New York Times is a key newspaper for providing much needed information on the stock market..

On a larger scale, the NYSE holds quotes that are often referred to as New York Stock Quotes. These quotes are a collection of publicly traded companies. As the price of their company stocks rise and fall the New York Stock Quotes show the change in real time..

All in all, New York Stock Quotes, can refer to either or a combination of these two elements. If you want the highest quality of real-time stock investing options, you should visit the NYSE on Wall Street, and if you want to invest in a city and state that is always moving forward, invest in various companies that are based in New York..

Investment : New York stock quotes


Caterpillar Men's Watches Shockmaster S114111121 - 6

Воскресенье, 14 Сентября 2008 г. 10:33 + в цитатник

Caterpillar Men's Watches Shockmaster S114111121 - 6


Financial planning

Четверг, 11 Сентября 2008 г. 10:32 + в цитатник

With the rising cost of everything and the across the board cuts in pay, it is easy to get discouraged when it comes to your money. Gas prices are so high that people are staying home more just to avoid the drive. Big companies are slashing their wages paving the way for other smaller companies to do the same.

Although you cannot control those factors, you can take control of your finances. You need a financial plan..

A financial plan can take the form of a budget which dictates how much you have to spend on what, as well as a savings plan for future income. With this budge you allocate future income to all your expenses, such as house payment, utilities, childcare, etc.

You should also include recreational activities such as eating out and movie rentals. Most people would be shocked if they tracked every dollar they spent and learned where the bulk of their money was going. It's not usually the dreaded mortgage, but nickel and dime expenses that add up like the gourmet coffee shop or eating out at lunch every day..

A financial plan can also take the form of an investment plan. In this case your savings will be allocated to assets which are expected to generate income in the future. Some examples would be a new business, real estate, or shares of an existing business.

The financial plan will not necessarily make you more money but you may find that by minding where your money goes, you have more left to comfortably pay your bills and add to your savings account, and the peace of mind that comes with having your finances under control will add quality to your life..

Finance : Financial planning


Marketing analytics

Среда, 10 Сентября 2008 г. 05:31 + в цитатник

Marketing is a vital concept to employ when a business wants to be successful. Marketing tells the company about the consumers they are targeting, as well as telling those consumers that this business has the best products or services for their needs. Marketing analytics are the ways and means of gathering and interpreting data for a business.

This data that is collected is analyzed and used to makes better business decisions which optimize business productions. Marketing analytics is a fast-growing concept in all types of businesses, including government agencies and non-profit organizations..

Analytics are the extensive use of data to create a prediction and used this in decision making. This kind of data is statistical and quantitative, and is analyzed and explained by market researchers to find this predictive model. This model will serve as the starting point for new ideas to create consumer awareness and positive results for the business.

Analytics can be used for human decisions as well as fully automated decisions. Analytics is an important concept in the information age. Because of the abundance of available information these days, analytics work well in business to get a specific knowledge of the consumer base and what their wants and needs are..

There are many different applications of analytics in business. Most organizations use it in some form. Some use metrics and performance gauges at the balanced scorecard. Other companies such as Capital One use analytics as the foundation of their business. They do this by using data analysis to determine their customer base..

Marketing analytics is a division of marketing training that can take years to master. The results of an analytical marketing survey can mean the difference in a business keeping a certain set of marketing tools and changing the way they market their product.

Marketing : Marketing analytics


Базилик

Вторник, 09 Сентября 2008 г. 18:30 + в цитатник

Однолетнее растение семейства губоцветных, с приятным запахом душистого перца. Теплолюбивое, предпочитает легкие, плодородные почвы, хорошо прогреваемые солнцем. Посев семенами в грунт (0,5 г на 1 м2) проводят в первой декаде апреля, с междурядьями 30—40 см, на расстоянии 10—15 см друг от друга. Всходы появляются через 10—15 дней..

Для салатов и других блюд зелень базилика начинают срезать уже с молодых растений, для приготовления порошка — в начале цветения. Срезку повторяют 2—3 раза за сезон. При хранении сухих листьев без доступа света и воздуха они сохраняют цвет и пряные свойства до нового урожая..

Наиболее распространен сорт базилика Ереванский (до 60 см высотой). Листья крупные с коричневым оттенком.

Сад и огород : Базилик


Marketing newsletter

Вторник, 09 Сентября 2008 г. 16:30 + в цитатник

A market newsletter is a form of marketing for the information age. Email marketing is a vital form of marketing for businesses to reach a wider consumer base, especially businesses which deal exclusively online. Email marketing is a direct form of marketing that utilizes email as a means of communicating to the consumer audience.

The marketing is used to communicate commercial or fundraising messages to these consumers. In a broad sense, every consumer that receives the marketing email for particular business is a potential customer. Current customers are also targeted to keep the lines of communication open between the consumer and the business..

Marketing newsletters are not only utilized by businesses. Non profit organizations also use marketing newsletters to reach a larger base of potential people willing to donate to a cause.

In conjunction with email and phone marketing, marketing newsletters are a viable way to pull customers into your business..

The purpose of email market is to send emails that try to enhance the relationship of the consumer and the business. The emails seek out new potential customers as well as keeping a continuing relationship with existing customers to promote customer loyalty. Some marketing goes as far as targeting a message to existing customer in order to persuade them to buy something immediately because of a sale or limited quantity.

Email marketing also sometimes utilizes advertisements of other companies within the emails to boost revenue for the company. In 2006, email marketing was used at an estimated cost of $400 million dollars..

There are many advantages to email marketing. There is a low cost to this type of marketing, which means that companies can reach a lot of customers with an email mailing list cheaper than any other form of advertisements. It is also less expensive because the return of the investment can also easily be tracked..

Marketing : Marketing newsletter


Insurance provider

Понедельник, 08 Сентября 2008 г. 18:31 + в цитатник

An insurance provider is a company that offers insurance in one or many different areas. The provider offers a policy that will guarantee the consumer a set amount of protection in the event of an unexpected event. The consumer then pays the provider an agreed upon premium each month to obtain the insurance.

Among the many different types of policies one can buy from an insurance provider are health insurance, automobile insurance, life insurance, disability insurance, flood insurance, wind insurance, cancer insurance, and long term care insurance..

There are so many different insurance providers, and types of policies, that it can be difficult to decide with which one to do business. There are many factors to consider when making this decision. First, is it easy to communicate with them? Do they have a website, local office, or are they available only over the phone? Second, can you buy all the types of insurance you want from the one provider? While this may not be essential, carrying multiple lines with one provider can often decrease the cost of all policies and make it easier when you are paying bills.

Additionally, you will want to find out if they are consistently given good reviews and have an established tradition of ethical business practices. Finally, it is important to feel comfortable and connected with your provider. When you have an emergency situation and need to file a claim it will make the ordeal less stressful if you have a rapport with your provider..

Insurance providers will differ greatly by state. Each insurance company has the right to choose which states they will provide converage to and which they will not. With each state, the coverage limits and amounts may be altered to meet local and state laws and regulations. Just because you have a certain coverage in one state does not mean that same coverage will be available in a different state.

Insurance provider costs will vary as well..

Insurance : Insurance provider


Marketing analytics

Воскресенье, 07 Сентября 2008 г. 19:30 + в цитатник

Marketing is a vital concept to employ when a business wants to be successful. Marketing tells the company about the consumers they are targeting, as well as telling those consumers that this business has the best products or services for their needs. Marketing analytics are the ways and means of gathering and interpreting data for a business.

This data that is collected is analyzed and used to makes better business decisions which optimize business productions. Marketing analytics is a fast-growing concept in all types of businesses, including government agencies and non-profit organizations..

Analytics are the extensive use of data to create a prediction and used this in decision making. This kind of data is statistical and quantitative, and is analyzed and explained by market researchers to find this predictive model. This model will serve as the starting point for new ideas to create consumer awareness and positive results for the business.

Analytics can be used for human decisions as well as fully automated decisions. Analytics is an important concept in the information age. Because of the abundance of available information these days, analytics work well in business to get a specific knowledge of the consumer base and what their wants and needs are..

There are many different applications of analytics in business. Most organizations use it in some form. Some use metrics and performance gauges at the balanced scorecard. Other companies such as Capital One use analytics as the foundation of their business. They do this by using data analysis to determine their customer base..

Marketing analytics is a division of marketing training that can take years to master. The results of an analytical marketing survey can mean the difference in a business keeping a certain set of marketing tools and changing the way they market their product.

Marketing : Marketing analytics


Поздняя капуста

Пятница, 05 Сентября 2008 г. 10:31 + в цитатник

Рассаду среднепоздних и поздних сортов капусты выращивают на грядах или выровненном участке. Рассадник с осени должен быть заправлен органическими и минеральными удобрениями.

Лучшие сроки посева семян в рассадники 10—15 мая, а непосредственно в грунт — третья декада мая. Срок высадки рассады в грунт 15—25 июня. Площадь питания 60X50 — 60 см. При выборке рассады из гряд корни обмакивают в "болтушку", приготовленную из земли и перегноя. Надо следить, чтобы верхушечная почка растения не засыпалась землей, а корни плотно обжимались..

При безрассадном способе растения развивают более мощную корневую систему, глубоко проникающую в почву, что обеспечивает им лучший водный режим. Вегетационный период сокращается на 14—16 дней.

Предпосевная обработка заключается в бороновании участка ранней весной и в предпосевном рыхлении на глубину 6—8 см. Глубина заделки семян 2—3 см, ширина междурядий 70 см. Норма высева семян 1,2—1,5 г на 10 м2,

Прорывают всходы в два приема, при появлении первого настоящего листа и при образовании пятого листа. Растения от второй прорывки используют на подсадку. В остальном агротехника возделывания безрассадной капусты не отличается от рассадной.

Сад и огород : Поздняя капуста


Franchising opportunities

Пятница, 05 Сентября 2008 г. 10:30 + в цитатник

People from all walks of life dream of one day being their own boss. We've grown tired of the eight, ten, and twelve hour days of working hard, while often being treated badly in the process. Many people have original and innovative ideas that are practical enough to build upon, but what if you are stumped? What if you just know you need to make a change and you are ready to venture out but you can't come up with an idea to save you life? Why not benefit from someone else's idea? Look into the many available franchise opportunities..

Franchising is a way of obtaining permission from an already established and successful business, and selling that product or opening that establishment in the specific region in which you have been given permission. There is usually a contract and a pretty large price tag involved. You probably would make your money back relatively quickly, but you still have to have the up front money or financing available to you buy the franchise.

This is what deters a lot of would be entrepreneurs from becoming franchisees..

A very popular franchising opportunity is McDonalds, one of the first franchises ever to have emerged. HereТs a snapshot of what it takes to buy a McDonalds franchisee.

$45,000 initial fee paid to McDonalds. Equipment and pre-opening costs are roughly $700,000 to $1,504,000.00. $250,000.00 NON BORROWED down payment. PLUS service fees and rent. WOW! It sure is a lot of money but the risk is definitely low and the pay off outstanding. If you have the money and a good location, it is a good franchising opportunity..

McDonalds is one of the highest examples of franchising opportunities, so don't be scared off by the expensive nature. At the opposite end of the price spectrum is vending machines which are much more affordable to the average guy. There is a lot of information on the web about buying a franchise. Do some research and find the one that fits your budget and interests.

Aren't you tired of making someone else rich?.

Franchising : Franchising opportunities


Loan consolidation services

Пятница, 05 Сентября 2008 г. 06:30 + в цитатник

Loan consolidation can often be one of your best options when facing an enormous debt. It consists of relieving you of your underlying loans with one total loan at a lesser interest rate. There are many situations you could find yourself in when youРўd need to consider loan consolidation, and there are loan consolidation services for each of these possible situations..

Your first encounter with many heavy loans is possibly your student loans. Typically, students must pay for residence, sustenance, toiletries, and on top of all this the high costs of schooling. There are many loan consolidation services from websites, banks, and federal departments that can aid you in paying off your student loans.

Student loan consolidation services are often useful to students who are holding multiple student loans with different providers. These loans will gather all debts together under one lower interest rate. Loan consolidation programs also offer the student the chance to extend the period of repayment up to 30 years..

Another time when you would have heavy debt to pay off is when youРўre buying your first home. Typically, during these times, you have heavy debt because you have only just begun working, the payment for a house can be huge, and you may be beginning to have to sustain a family. But, luckily, like student loans, there are many loan consolidation services that can offer solutions to your debt..

Many federal programs such as the FDLP more commonly known as the Federal Direct Loan Program offer loan consolidation services that present lower and fixed interest rates which can be much more beneficial than the varying and sometimes high interest rates from multiple different lenders. All in all, loan consolidation can be a very good solution to pay off your debt more efficiently and there are many services that offer this solution..

Loan consolidation : Loan consolidation services


Corporate lawyer

Четверг, 04 Сентября 2008 г. 12:31 + в цитатник

A corporate lawyer is the lawyer who specializes in the laws regulating business affairs. This type of lawyer can specialize in contracts, lawsuits, warnings, and any other type of business related concern. While it is not common for a small business to have a lawyer dedicated to that business, for large corporations, it is very typical to have lawyers specialized and hired for that business.

It is typical to need a lawyer to assist in many of the business and negotiating meetings to ensure the fairness of each contract or agreement..

Corporate laws can be complicated and not necessarily the same as the personal laws that govern the people. The lawyers who specialize in contracts know how to read the contract for the specific details and ensure that the contract is in the best interest of the business. The lawyers who deal with the lawsuits specialize in the research, defending, or prosecuting in a single legal incident.

There are lawyers who handle the proper warning labels on the products that the company produces. This helps to eliminate the possibilities of the business being sued or any other legal actions being against the company..

There are tax lawyers that handle all of the tax information that the business must conform to as per the government. There are many different corporate lawyers who do different things to help protect and ensure the legal security of the business.

It is the job of these lawyers to protect the company from legal woes while ensuring that the business is not being taken advantage of or gains and unfair advantage that may cause troubles later..

Corporate lawyers often work for a specific company or organization without holding other clients. These lawyers control all aspects of law and legal issues that may arise in the act of running a business.

Company : Corporate lawyer


"Яндекс" извинился перед пользователями LiveInternet

Четверг, 04 Сентября 2008 г. 03:30 + в цитатник

Компания "Яндекс" извинилась перед пользователями блог-хостинга LiveInternet за то, что днем в среду, 6 августа, в рейтинге блогов Рунета, публикуемых сервисом "Яндекс.Блоги", под категорией "LiveInternet" появилась надпись "Всего дураков нет".

"В результате сбоя на blogs.yandex.ru появился шуточный текст из одного из внутренних модулей, созданных нашими разработчиками", - говорится в комментарии директора "Яндекса" по связям с общественностью, поступившем в редакцию "Ленты.Ру". Ушаков подчеркнул, что "ошибка такого рода могла отразиться на информационном блоке любого из блогохостингов".

"Мы просим прощения у пользователей этого сервиса . И у всех, кто воспринял этот сбой на свой личный счет", - заключил Ушаков.

Ссылки по теме - Поиск по блогам "Яндекса" не нашел в LiveInternet дураков - Lenta.ru, 06.08.2008

Сайты по теме - Поиск "Яндекса" по блогам

"Яндекс" извинился перед пользователями LiveInternet


Electronic commerce software

Среда, 03 Сентября 2008 г. 22:30 + в цитатник

Electronic commerce software is the software program that the various businesses employ to enable their websites to handle the purchasing of products and different methods of payment. These programs can be complex or simple, but they all handle digital money or create invoices for checks or money orders in the sale of a product.

These programs can be purchased or be created for an individual business..

Electronic commerce software has several functions. The primary function is to handle to currency from the customer to the company in the form of digital payment. This payment can be from a debit or credit card or a digital check.

Either method is easy to transfer funds quickly and safely from the customer to the business. Some of these electronic commerce software programs allow for one to use his or her Paypal.com account. These programs can also handle the addition of the products, calculations of the price, the taxes and the shipping and handling fees.

This is all made into one clear amount due for the customer..

The electronic commerce software system that is used by the company can be complex or simple. There are software programs that enable coupons to be registered, discounts for frequency of use, and saved consumer information. These programs tend to be very complex and therefore more expensive to purchase and maintain.

There are software programs that simply add up the costs of the products and charge the customer said amount, on the other hand. These systems tend to be easier to use and therefore more efficient than the more complex systems..

Electronic commerce software provides a company with statistics and sales data in order to track all information regarding the sales made through the eCommerce or electronic commerce site. This information can be used for shipping and sales reporting.

Commerce : Electronic commerce software


В июне в пришкольных лагерях Волгограда отдохнули более 20 тысяч детей

Вторник, 02 Сентября 2008 г. 18:31 + в цитатник

Более 20 тысяч детей отдохнули и поправили свое здоровье с начала лета в оздоровительных лагерях с дневным пребыванием на базе муниципальных образовательных учреждений Волгограда. Как сообщили ИА REGNUM 3 июля в пресс-службе мэрии Волгограда, первая смена в таких лагерях завершилась 27 июня.

В течение июня в Волгограде работали 332 лагеря дневного пребывания. Для часто болеющих детей, а таких оказалось более трех тысяч человек, были созданы специальные отряды, в которых дети под контролем медиков прошли лечебные процедуры. Пять тысяч подростков приняли участие в благоустройстве школьных дворов, ремонте мебели и волонтерской деятельности.

Для определения лучших оздоровительных лагерей с дневным пребыванием был проведен смотр-конкурс. В итоге лучшими признаны лагеря, созданные на базе гимназии № 10 Кировского района, средней школы № 98 Краснооктябрьского района и средней школы № 77 Ворошиловского района. Среди лучших профильных лагерей отмечены лагерь при школе № 85 Дзержинского района, МОУ Дворца творчества и молодежи Красноармейского района, МОУ Центра развития творчества детей Ворошиловского района, гимназии № 3 Центрального района.

В настоящее время летняя оздоровительная кампания в Волгограде продолжается. На ее проведение предусмотрено более 32 миллионов рублей. Из них 15 миллионов рублей выделил Фонд социального страхования и около 18 миллионов - городской бюджет.

В июне в пришкольных лагерях Волгограда отдохнули более 20 тысяч детей


Привычный вывих в плечевом суставе

Среда, 18 Июня 2008 г. 15:32 + в цитатник

Привычный вывих в плечевом суставе (tuxatio habitualis) встречаются только в виде переднего вывиха и в 3,3% из всех травматических вывихов в плечевом суставе (Л. Стуккей). Развитию привычных вывихов благоприятствуют значительные разрывы капсулы, отрывы ее от головки плечевой кости или края суставной впадины, а также ранняя функциональная нагрузка после первого вправления.

Имеются указания на аномалию развития капсулы..

Вправление вывиха плеча по Моту головки происходит от самого незначительного насилия; при поворачивании в постели, попытке снять головной убор и т. д., и могут повторяться много десятков раз. Предложенные различные аппараты только ограничивают, движения в суставе и тягостны для больных. Оперативные вмешательства, которых предложено много, имеют цель укрепить слабые места капсулы и уменьшить ее размеры (капсулорафия)..

Болезни и лечение : Привычный вывих в плечевом суставе


Дневник uliibiruk

Вторник, 10 Июня 2008 г. 17:21 + в цитатник
The perfect lover is one who turns into a pizza at 4:00 A.M.


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