Build Your Own Cedar Closet Without Breaking The Bank

If you’re thinking about updating your closet space, you have plenty of company. Closet organization is a booming $3 billion industry. Homeowners can spend as much as $30,000 on organized closet systems that can turn those ho-hum, stuffed-to-the-gills wasted spaces into stress-free, spalike quiet rooms.

“Closet renovations are hot right now,” says Pat Simpson, home improvement expert and host of HGTV’s “Before & After,” “Fix It Up!” and “Room To Improve.” “But many closet systems you see in magazines and on TV are out of the financial reach of most Americans.”

The trade magazine Closets notes that the average price of a master bedroom closet installation is more than $3,500-mostly from creating a custom closet with lots of shelves and drawers.

Cedar closets are starting to capture the attention of many consumers across the country. What’s the attraction? A cedar closet offers benefits you can’t find with other products, such as repelling and resisting moths, roaches, silverfish and mildew; providing a wonderful cedar scent; and being safer than mothballs and smelling better.

A Lower-Cost DIY Alternative

Professionally installed cedar closets can be expensive, but they don’t have to be a luxury. One way to update your closet without breaking the bank is by installing cedar closet liners on your own.

“You can create a beautiful cedar closet using do-it-yourself, easy-to-install cedar panels or planks for $150 to $360 for a standard-size closet,” says Simpson.

CedarSafe Natural Closet Liner planks and panels are made of 100 percent Aromatic Eastern Redcedar and line the walls of the closet. Both liners work well with standard or custom racking, shelving, storage drawers and cabinetry.

Any closet in the house is perfect for cedar closet liners. You choose the look you want, measure your space and install it in a matter of hours.

CedarSafe Natural Closet Liner planks and panels are available in the paneling or closet departments of Ace Hardware, Do It Best, The Home Depot, Lowe’s, Menards, True Value, as well as in lumberyards throughout the United States and Canada.

Develop Hotel Management Strategy Map To Visualize Goals

What is a strategy map? Is it just a nice presentation demonstrating company goals? Well, some top managers and business owners think so. In fact, this is not true as an effective strategy map shows both goals and ways to achieve these goals. Besides, some strategy maps are very difficult to understand since they contain complex terms and formulas from strategic management theory. An effective strategy map must be easy to understand even for a person without even elementary knowledge of strategic planning. Such a person should see goals and how these goals will be reached. All the rest is unnecessary. An effective strategy map and shows cause and effect ties between goals and measures. For example, if a strategy map contains just one goal of making much money and no ways to implement it this will be a useless document. At the same time, if such a strategy map demonstrates how this goal will be implemented and what needs to be done in several stages, this strategy map can be considered effective. In
this article well talk about hotel management strategy maps.

First and foremost a hotel should develop comprehensive and realistic strategy. It means that strategic goals have to be ambitious and achievable at the same time. On top of that, making a lot of money can be hardly called a strategic goal. A strategy is about future vision, and hotel industry is not an exception here. Thus, a good example of strategic goal would be gaining particular percentage of market share, improve and loyalty of existing customers and attraction of new ones, improving hotel business image and recognition throughout the world and of course increasing profits. Of an effective hotel management strategy map will show what needs to be done to achieve these goals. Balanced Scorecard is perhaps the best tool to design strategy maps that demonstrate cause and effect ties.

All financial goals can be implemented if some improvements are performed in other spheres. As known, Balanced Scorecard consists of four categories which are interrelated: financial, customer, internal business processes, learning and growth. A hotel strategy map will show cause and effect ties between all categories and key performance indicators that each category contains. For instance, in order to increase revenue (financial), it is necessary to attract new customers (customer) which is possible on lee through introduction of new services and improvement of internal procedures (internal business processes) while this is only achievable through improvement of personnel professional level (learning and growth). This simple example demonstrates cause and effect ties between Balanced Scorecard categories and key performance indicators. For example such key performance indicator as customer loyalty directly affects revenue growth since loyal and satisfied customers are more likely to stay and the same ho
tel again. Thus, the hotel strategy works in the long term which contributes to competitive advantage in the market. It needs saying that Balanced Scorecard will perfectly work and the hotel will improve its performance only if improvements in the four categories are achieved. This means that the hotel should be ready for changes.

Can Singapore Private Banking Replace Swiss Private Banks

Singapore private banking has grown massively over the past decade. Assets under management at Singapore private banks have grown to around 300Bn, 6 times what they were 10 years ago. It is estimated that Singapore manages around 5% of the world’s private wealth, while Swiss private banking manages around a quarter.

Singapore has benefited from tight bank secrecy regulation, in addition to a rise in the number of Asian millionaires, especially the type that want to invest with private banks and financial instruments rather than in property.

Yet in response to demand from the G20 group of developed countries, Singapore has promised to rethink its ultra private secrecy laws. Like Switzerland, Singapore has to walk the tightrope between keeping its sovereignty and international acceptance of its laws and banks.

One of the reasons why Singapore has grown is because it already was a large financial center in its own right. Unlike smaller tax havens and dependencies of other countries which have been accused of ”inventing” laws to benefit from capital flight, Singapore is a long-standing trading hub and center of international financial settlements.

There are several arguments in favour of Singapore keeping its privacy laws. Many private banking clients in Singapore are very powerful people among neighbours like China, Indonesia and Thailand. It’s in their interest to ensure that Singapore bank secrecy is not relaxed. Furthermore, Singapore is an international financial center – it cannot be blackmailed in the same way as other jurisdictions.

However Singapore has made concessions, and may not necessarily see its future in harbouring Western tax evaders. Singapore has signed TIEAS with a number of countries and promised to adopt article 26 of the OECD model tax convention on information exchange over tax matters.

After Swiss banking secrecy was put under the spotlight, it was widely reported that bankers were urging a massive flight of capital to Singapore, where bank secrecy rules still held strong. But in reality, basing any structure on bank secrecy is like building a house on a fault line, it’s bound to change. The smartest investors instead used techniques which do not depend on bank secrecy in any single country.

Savvy private banking clients are now using distinct structures which operate independent of bank secrecy such as investing through trusts or trust companies.

Further, the reasons for banking in an offshore centre like Switerland do not depend entirely on tax. In fact the biggest reason is security. Hundreds of banks have been going under in the US, not Switzerland. Investors are also escaping from currency devaluations, civil forfeiture and frivolous lawsuits.

Singapore wealth management is certainly growing in sophistication, but it is still in a learning phase. During the mid 2000’s when Singapore’s private banking industry was growing rapidly, it was alleged that ther were not enough bankers to meet demand. Singapore private banks were instead employing local hairdressers and carsalesmen with good people skills and turning them into private bankers.

Singapore private banking is modelled closely on Swiss private banking, even down to its family trust law. In terms of weathering geo-political events like the war on bank secrecy, Singapore may have to follow the Swiss lead also.

Free Online Financial Advisor – is it real

Selecting a financial advisor can be a very important decision for your business. If you choose incorrectly, the consequences can be very unpleasant for you and your finance. Financial planning can help you to reduce your financial worries. It is not easy to choose a financial advisor, because there is a risk to choose wrong one. It comes to your finance and you can not trust it to uncertain person. There are a lot of agency that suggest a number of financial advisors, but if you still feel uncertain and trustless, then why don’t you try with online financial advisor?

Are you amazed of this offer? Probably, you have never heard about that option. Here are a few tips on how this online financial advisor works.

Actually, it is not a person who is available 24 hours online. It is a kind of financial planning tool. And probably it will easier win your trust. Also, it is free and available for everyone. Therefore, you can save a lot of money. You know how huge the fees for financial advisors or financial advisors company are.

The free financial advice works very easy. First of all, it needs to know some information about your business or yourself. You will be asked from the program to fill the needed information. Therefore you should know well your investments and financial status. The personal information that you are required is your name and your e-mail. So, do not worry. You will not be asked for more private details like ID number, address and so on. After you have entered your name, e-mail address and financial situation, you will be asked about your investment objectives. Then the profile of your online financial advisor will be created.

According to the information that you have entered, the program will make a good, straightforward financial plan for you. By using free financial advice, you can be your own financial advisor. You shouldn’t rely on anybody to calculate you investments, incomes and your taxes, and so on.

With the free financial advisor you can do the following things: wealth management, debt management, budgeting and saving. It also is able to give you investment ideas and to calculate the investment risk. Online financial advisor provides you information about the last changes and news on the market and stock exchanges.

It is absolutely sure that you will have a lot of benefits joining the free online financial advisor. The registration is easy and will cost you only few minutes. But you can save a lot of money if you trust this tool. You will be able very easy to control you financial status, even if you are not financial expert.

In conclusion, if you want to calculate easily your finance, to determine your investments and to calculate correctly your taxes, you can do it for free and very easy by using only one program. This is free online financial advisor, which aim is to facilitates you and save you a lot of money.

Simply Advised provides Free Financial Advice and Investment Advice to anyone and everyone. We aim to replace an expensive financial advisor by providing better analytical tools in an easier to understand format.

Bankruptcy Lawyer – An Asset You Need for Your Financial Freedom

Handling your finances can be a tough ordeal, especially if you lose a job. Before you know it, you could be in over your head. If this is so, then a bankruptcy lawyer can help. Find out how one can benefit you.

Helps stop harassment Getting harassing phone calls is one of the worst things about being in debt. Your phone may ring early in the morning to late in the evening. This is because many creditors do everything they can to collect a debt. However, some practices can be illegal. If you’re being threatened in any manner or simply experience a call that you feel isn’t right, then you need to get a bankruptcy lawyer as soon as you can.

Knows the law You may think all you have to do is get the proper paper work, file with the courts and leave. Yet, if you don’t know the law, you may be doing more harm than good. That’s because there are different types of financial ruin and your bankruptcy lawyer knows the difference. He or she knows all the aspects of this type of law and can help be your guide so that you experience the best possible outcome.

Offer peace of mind One of the best reasons to contact a bankruptcy lawyer is simply peace of mind. Trying to wade through all that goes into filing for financial ruin can really be a tough situation. You’re already stressed out and can only take so much. If you’re constantly hounded by persistent creditors or are afraid to check your mail because of the letters that discuss legal matters such as suing you or garnishing wages, you need an attorney fast. In the end, you can leave the details to him or her so you can rest easy again.

Save you money The whole point of filing for financial ruin is to get out of all the monetary problems you’re having. However, there are some people that get caught up in a ton of other details that simply waste their money. You may get letters in the mail from companies that claim that they can help you get out of debt. The catch is that you need to pay them obscene amounts of money. Sadly, this can be scammers looking to take the little money you have left. A bankruptcy lawyer is a legal expert that knows just what to do to help you get through the process without causing you an extreme amount of money. Best of all, you’ll know you’re working with a pro that can assist you in all your monetary and legal troubles regarding debt collectors.

Save you time If you try to handle your financial difficulties on your own, you could simply waste a lot of time unnecessarily. That’s because you don’t understand all the details and red tape that can be involved in filing for financial ruin. There are multiple legal issues that only an experienced bankruptcy lawyer understands. The best thing to do is to make sure you have one of these legal professionals on your side if you want to speed up the process and be done with worrying about your debt and annoying calls from creditors.

eINDIA 2013 – ICTs in Financial Inclusion

eINDIA 2013 – ICTs in Financial Inclusion

tv.eletsonline.com

Our upcoming event::

FIPS(Financial Inclusion and Payment System)on 24-25 October Please visit :: fips.eletsonline.com

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Elets – A platform for disseminating creative ideas on ICT

Elets Technomedia is a technology media and research company that focuses on ICT in government, education, healthcare, agriculture and rural development sectors. Our mandate is to provide effective information on latest development in different ICT tools, techniques and their applications across our verticals through premier print publications, online portals and premier events, seminars, conferences and summits. Elets has created a name for itself as a technology media and research vendor of choice.

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Elets provides an unmatched versatility for working with multiple partners and consultants to mutually share knowledge. With a vision to provide effective information on latest development in different ICT tools, techniques and their applications across various verticals with focused reference to governance, education and health, we

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Business Finance In Canada Avoid These Mistakes With Commercial Lenders And Funding Needs

Business finance is partly about sourcing the right financing solutions from banks and commercial lenders. Funding via debt, cash flow or asset monetization comes fraught with risk if wrong choices are made. Can you avoid those mistakes? We sure think so. Let’s dig in.

Taking on debt in your business has all sorts of connotations – one of them that debt is simply not good – which absolutely isn’t the case if you utilize the right amount of leverage. When debt doesnt assist you in growing sales revenues or profits, while at the same time putting your company at risk… well that’s when things become a ‘ mistake ‘ quickly.

So are there some reasons for assessing available forms of financing that make sense? You knew there was, one of them being business expansion via new premises, or perhaps entering new markets for your product or services.

But even if your business is generating profits they often are not enough to fund either of those decisions .At that points it makes solid sense to spend some times on cash flows or a business plan to ensure revenues will meet expectations.

Businesses in the SME sector can often utilize Federal govt business loans to move into new premises and perform leasehold improvements required to generate sales and profits. Those loans need to be repaid out of cash flow. Leasehold improvements for retail and other commercial concerns are challenging if only because it’s tough to assess your real return on investment.

In many instances new equipment or technology need to be acquired. Equipment lease financing is as close to the perfect solution, and when these assets help generate sales and profits the planets are clearly aligned! Lease financing can be structured in a variety of ways, ensuring maximum flexibility re monthly payments, term, etc.

Inventory is often a key component in the search for growth. It can be financed on its own via your bank, or part of an asset based lending solution that focuses on the real value and turnover of your inventories.

We’ve talked about debt financing, but often the critical need in your business revolves around the cash flow cap that exists because of the need you have to carry inventory and extend credit to clients. This critical area of business is addressed through:

Working capital term loans

Canadian chartered bank lines of credit

A/R Financing (Factoring / Confidential Receivable Finance)
ABL Asset based lines of credit (they merge your A/R, inventory and equipment into one business credit line you can borrow against based on those asset levels)

Interest on cash flow loans, A/R facilities and bank credit lines reduce profits but grow sales – They are the perfect matching financing for cash flow needs

Banks as a general rule utilize a calculation known as ‘ cash flow coverage ‘ which in their case is usually a requirement that cash flows cover debt payments by a factor of around 1.5.

Our bottom line? Debt financing should be viewed as an investment in your business, but MUST be done properly. In many cases monetizing assets via cash flow financing is a solid alternative. Other alternative financing vehicles for cash flow include SR&ED tax credit monetization, PO Finance, Sales Royalty financing, etc.

If you want to ensure you’re making the ‘ best choice ‘ in funding for business finance via commercial lenders and banks seek out and speak to a trusted , credible and experienced Canadian business financing advisor who can help you avoid costly mistakes.

Stan Prokop

Financial Crisis-a recall

Surfing around the world..seeing all the places…Its very much sure,people are at home.They are in some crisis.Vague sounds are not able to convince me about the situations.My queries are still there,.Many figures i saw, were telling me about the financial factors, that are affecting and going to affect an.Even then i am so concerned about the people at home.I wish to talk to them, at least seeing them.At last i realized i am also one of them.Its a pathetic situation.We were never ready for this crisis.Its dramatically changed all.Lifestyles,happiness,financial positions,way of talking,walking,and even smoking.Yes but its taught us a lot.According to the unseen dramatized venture of hopeless event,these conditions heavily affect on men.And they run for their life,survival.

I cannot say NEVER MIND.because it is really something to get noticed and analyzed.Its the biggest and worst problem in universe now.Now we can feel that.Its roaring in our ears.Its none other than,The all time destroyer,THE FINANCIAL CRISIS.Well i am not going to talk about the power of financial crisis.Not at all its aftermath is my subject.Neither the persons,got affected by this.I am trying to tell you some small,small things.A review is never going to make a change,Its about the man,the people,including me.Only we can change the situation.But in a small way though.

Anyway,the Financial Crisis had badly affected many places in the world.America,Europe,Middle East,and Asia ,every one is having this issue.By the way if we could make a change,that is it.We are mall pieces of workers in the big world of corporates.But from the lower back end,if we pushed the the wheel,it will roll.

I can say we small,young,energetic people not at all working for anything.We need to know that,its our life.Only we can make it straight.We are not corporates,but from now ,we can make corporates.We have to face these crisis and do more homework, make us uniformed, give good education, and zero-tolerance policies for bad behavior and the technical errors of this society.These are the basics that will try to save the Millions of figures from the Financial Crisis,the “World’s disaster”.

It is said that powerful presence of mind reduces the rate of homelessness, yet some of the residents have jobs and a steady income (they could probably afford to make a dream).After all we need to have INSIGHTS FOR A CHANGING WORLD.If i ask How Many Millionaires are remaining?,what will be your answer.Well not that kind.Its obvious that,everyone is in pain.We must know that.It was a management misjudgment which caused the fatal flaw of revenue.

What made this to happen? What evoked this financial crisis?

Germans killed 70,000 during the Blitz 100,000 Chinese were killed in the Rape of Nanking 100,000’s of Germans were killed in strategic bombing of Germany by Americans and the British Total 45 million casualties.

What?, Anything coming to your mind.No no no friend.Its not the war,which made us hopeless.Its US who made WAR,to lose everything ,to make homeless.These are just news headlines.Nothing serious about it.Well that is wrong,i must say.

The Divine Technology To Eliminate Your Financial Troubles

While the human society is at the crossroads, besieged with financial, health and relationship problems, Dr.Pillai (Baba), has revealed to humanity the ancient Vedic secret Mantra, Thiru Neela Kantam, to eliminate all the ill effects of bad karma and make life fulfilling and complete.

Our Money Karma or financial Karma determines our financial state. Sometimes some of us have a bad Money Karma and suffer financially due its ill effects. The same is the case with health or relationships or any other aspect of our life.

Our Karma decides what we go through. But suffering does not remove our bad Karma. Dr.Pillai, has revealed a divine technology in which the chanting of the Mantra, Thiru Neela Kantam eliminates bad Karma and makes us lead happy lives.

Dr.Pillai has discussed in detail about the importance of sound for learning and the elevation of the human mind and its thought processes. Dr.Pillai has identified the ancient Vedic Mantra of Thiru Neela Kantam as the right Mantra with the right quantum sound frequency to alleviate people of their bad Karma.

Dr.Pillai has advocated that Thiru Neela Kantam, (pronounced, TEE-ru NEE-la KAN-tum), should be chanted during Pradosham time. Pradosham is the time which marks the end of day light and the beginning of night every day. Monthly Pradoshams fall on the 13th day of the waxing / waning of the Moon. Pradoshams offer the best opportunity to eliminate Karma. One has to visualize blue light while chanting this Mantra. The effect will be stunning if it is chanted 108 times. The powerful vibrations created by the quantum sounds of the Mantra reverberate through our minds to make it attain higher levels. Our bad Karma will be busted and all our aspirations will be fulfilled.

When most of the world is going through a financial crisis, a lot of us have prayers for money. We need not suppress our monetary requirements. We can use this amazing divine technology, unveiled by Dr.Pillai, use the Vedic Mantra, Thiru Neela Kantam and lead a wealthy, healthy and happy life.

Top 10 Causes Of Death In Dubai

Dubai has come a long way since it was just a fishermens town back in the days when the mores and the British ruled; then, in 1971 it became part of the UAE (United Arab Emirates) and this has made all the difference. Dubai is now considered to be a promised land for the rich and the opulent; with descriptions to the rest of the world from travelers who say that the Dubai Airport has solid gold palm trees; it seems that there is just no limit to the wonders that Dubai has installed for the world.

But just like with any other particularly important and striving place on earth, with great success comes great dismay and the blooming of ailments and health hazards that are more frequent in highly developed countries. The quick rising of the Dubai financial and economical sphere has also caused that each day more and more people are falling ill to these first world illnesses.

The reasons for this are varied, and they change constantly according to the person who is interviewed at the time. For some it is the building boom that has swept across Dubai in past years, to other the reason is simple: while the few are making millions of dollars defying nature building man-made islands and outside-the-atmosphere skyscrapers, the working force is subjected to almost inhuman residential conditions.

The diseases that are taking such a big toll in Dubai are the same that are present in any other highly-developed countries. Regardless of the origin or underlying cause for it, the most common death-inducing illnesses in Dubai are:

1.Heart Disease
2.Stroke
3.Cancer (there are different forms of cancer that are generally considered individually, but this only inflates the statistics)
4.Pulmonary Infections
5.COPD (chronic obstructive pulmonary disease)

But these are not the only problems that can cause death in Dubai, especially in the bulk of the population. General and frequent causes are also:

6.HIV/AIDS
7.Tuberculosis
8.Malaria
9.Hepatitis
10.Heat Stroke

Nonetheless, it is also important to note and consider all diseases that are caused by accidents and run-ins with the local wildlife, such as scorpions, spiders and the like. In the case of tourists and expatriates, health services are expensive to say the least and, as a result, people who are traveling to Dubai or any of the United Arab Emirates should take on a thorough physical to make sure that their health is optimal.

As a result, it is important to add these factors to the list, leaving it with the following top 10 causes of death in the city of Dubai:

1.Heart Disease
2.Circulatory problems (stroke, atherosclerosis)
3.Cancer (cervical cancer is the top leading cause of death amongst women in Dubai, followed by breast cancer)
4.Pulmonary Infections (including, though not limited to, COPD)
5.Heat stroke
6.Liver diseases (all types of hepatitis)
7.Construction related accidents
8.Allergic reactions to venoms and other poisonous substances secreted by animals
9.HIV/AIDS
10.Malaria