When it comes to Arabian dresses for men, we envision them in long, flowing gowns that look like tunics or robes, usually white in color. These ankle-length garments with long sleeves are called Thobes. Dishdasha, Kandura or Suriyah are other names given to this dress in different regions of the world. The word thobe is an Arabic word meaning ‘a garment’. It is also written as defrost It is a favorite traditional Arab dress that imparts a unique identity to men from the Arab states in the Persian Gulf. People in East Africa also dress in robes. Thobes is a favorite throughout the Middle East.

Long robe-like thobes can be worn in different lengths: short ones represent modesty, while long thobes are a symbol of royalty, high social status, and prosperity. The favorite fabric used for a thobe is cotton; however, the woolen material is also used in cold climates. The thobes are made of polyester, georgette or any lightweight fabric. Thobes made of lighter fabric are considered casual and are generally worn as dresses for everyday wear in the comfortable environment of the home.

Men from the Persian Gulf, Iraq, Jordan and other Muslim countries wear a tunic in their own distinctive style. These full-length garments offer versatility to Muslim men. A thobe or dishdasha can also be made from embroidered or patterned cloth. Most popular is bright embroidery around the neck and cuffs. Formal gowns can have sequin details to make the dress look special and formal. A very formal form of thobe is called a “bisht” which is worn by men of status and wealth on very essentially formal occasions such as a wedding, Eid or other important ceremonies. A “bisht” is usually made in Syria, Jordan, and Iraq and is a popular dress in these regions.

Thobe styles can be distinguished by their designs and cuts. Men’s headwear worn with tunics also varies from region to region and indicates style and individuality. Men in Morocco wear shorter sleeves that make their thobe look like an ankle-length undershirt. They call it a winner. The neckline is also more open and the chest pocket is embroidered. Kuwaiti tunics have a one button collar and are slim fit. Omanis wear a Mussar as a head garment with a dishdasha. His thobe is collarless and is usually colourful. Bahraini Kandura has a soft shirt collar and is loose fitting. It has shirt pockets like ordinary shirts. Men in Qatar prefer bright, fine fabrics for their robes. Her dress has a long tassel and a shirt pocket. Men in the United Arab Emirates do not wear collared kandura, but do appreciate some fine embroidery on the sleeves of their dress. Saudis often wear a checkered helmet with a thobe. His garments fit well with a button-down collar and formal shirt sleeves designed to hold cufflinks. Therefore, Arab men from different regions wear robes in different styles.

The word thobe does not only refer to men’s clothing; it is also used for some similar traditional dresses for Palestinian women. The women’s tunic is made of fine georgette, silk, or chiffon and is worn in fresh, bright colors. It is reminiscent of a full length flared garment that is heavily embroidered in the front and has a billowing back. It is also called the “Khaleeji dress” and is worn in traditional ceremonies. A thobe, worn by a man or a woman, is considered a distinctive garment of the Arab world where it represents comfort, royalty and status or elegance, taste and style.

When Buying and Selling Expiring Carbon Credits

A carbon credit is a digital certificate of emission reduction. The number of carbon credits issued is limited by the cap and trade system that limits the amount of CO2 emissions. It is possible to buy or sell a carbon credit, just as you would a bar of gold.

There are two types of buy carbon credits: long-term Certified Emission Reductions (CERs) and short-term Certified Emission Reductions (tCERs). CERs are usually re-verified every five years. They are used to account for the emission reductions that an environmental project has made. tCERs are temporary certificates that are sold for a fraction of the normal CER price.

These certificates of reduction are used by companies to help them meet their CO2 emission reduction targets. However, they are also vulnerable to risks. This article explains what risks there are when buying and selling expiring credits and proposes methods for mitigating them.

What Risks Are There When Buying and Selling Expiring Carbon Credits?

Offsets can be bought or retired by ambitious corporations or organizations. For example, Microsoft is committed to removing all carbon from its operations by 2050. Many companies are still several years away from significantly reducing their emissions. That is why the California Cap and Trade initiative set a hard carbon price floor and created a regional emissions market. In addition, Japan has projects in place to buy these carbon credits.

In order to purchase a carbon credit, a buyer must know the date the offset was issued. If a project has a “vintage” greater than five years, it is less desirable than a recent offset. Buying an older offset can also be cheaper. However, if a project has been unsold for a very long time, its quality may be questionable.

Some countries such as Switzerland have developed projects to buy these credits. Other countries such as Japan count them towards their nationally determined contributions. These credits are sometimes traded in the form of Internationally Transferred Mitigation Outcomes. Although these trades have not reached the level of widespread usage, they are a potential alternative for those who have not found a suitable project.

As the number of carbon credits increases, their value goes down. This is largely due to the large supply of carbon credits. Currently, the European carbon credit prices have plummeted to EUR2/tonne, while in 2012 the price was around EUR30/tonne. While it is possible to double-count these credits, this would not be in the interest of buyers.

To avoid this, companies will have to find a way to reduce their emissions. This can involve changing their operations and reconfiguring them in order to make them more energy-efficient. Companies also have to make sure that their emissions do not exceed the carbon cap they have set. When a company meets their emissions cap, they will have to find another way to reduce their emissions.

Purchasing carbon credits is the best option for companies and organizations that are looking to meet their CO2 reduction goals. However, these immaterial assets can become vulnerable to risks if not handled properly.

Extra effort in managing personal finances will result in a more positive use of personal resources. With achievable and realistic goals, the financial situation will progress in a very short time. However, on the part of the person concerned, this requires proper planning and follow-up. There is also a need to assess at some point to see if the stated targets are being met or further intervention is needed to alleviate the financial situation.

Available Income:

• regular family cash flow
• Cash flow or net after budget

The household’s regular cash flow is what is left after expected annual expenses are subtracted from expected annual regular income. After budgeting, cash or net flow is simply what you get after subtracting usual family liabilities from known assets. The portion of regular income that does not go toward normal expenses is a very important resource that can be diverted toward other personal financial goals. A balance sheet should be able to determine net worth before proceeding to further planning on how to save enough for larger and more important purchases.

Factors to consider if a 50% net increase is desired:

• full liabilities
• outstanding debts
• investment instruments
• Yield on savings – savings + interest earned
• Outstanding Student Loans

It just goes to say that when liabilities decrease, a person’s net worth increases along with it. The number one tip for people planning to progress financially is to avoid taking out the juicy bank loans that are on offer, as they are increasingly potent dangers to your credit score, especially when interest adds up. Debt recovery will be a much-needed boost to personal finances. The more accounts payable are settled, the lower the liabilities will be, and this has a positive reflection on a person’s balance sheet and also on their solvency.

Personal investments make up the majority of a person’s net worth, and therefore it is always a good move to get as many valuable assets as a person can in the course of their lifetime. This does not mean that forecasting should not be used here, quite the contrary. Investing by purchasing profitable assets should always be preceded by careful analysis, so that a purchase really adds vigor to one’s portfolio. The general trend is that if you are the type of investor who avoids risks, you avoid high-risk investments. These are properties whose value changes with the ebb and flow of time, such as real estate, precious metals like gold, and other physical assets known to have volatile values.

The riskier among us, those whose temper is undeniably more resistant to fear, easily trade stocks and other financial instruments of our time. In this type of asset, the rule is that the higher the risk, the higher the possible gains. These types of investments certainly need to be studied and re-studied due to their very nature in order to avoid excessive losses and capture profits when and where they are likely to fall.

Since savings are an important and integral part of a person’s net worth, proper research is required to get the names of institutions that offer better products or simply better rates for your hard-earned dollars. For example, US soldiers have the option and privilege to take advantage of the Defense Department’s savings deposit program which has very high interest rates of 10%.

Savings accounts and CDs serve you in two ways: first, by increasing your total net worth, and second, by providing a much-needed buffer zone for your personal finance portfolio, as seen in prevailing trends in everyone. The reason for this is that such instruments are insured by the federal government and grow at a steady and favorable rate each year.

One thing that has permanently damaged net worth is student loans, as they can linger long after a person has graduated and worked. To counter the negative impact of this, an effective practice is to take advantage of seasonal tax breaks. With the American Opportunity Tax Credit alone, an individual can save up to $2,500 and those who are still in school should avoid private student loans in favor of federally funded loans, as these have lower or fixed rates in general.

Most effective ways to maximize cash flow:

• Highly informed financial decisions
• Make and stick to a budget
• Control impulse buying
• Implementation of cost reduction measures

Smart financial choices can sometimes mean the difference between ruin and progress. For example, there is a choice between buying a house that later becomes unaffordable or renting modest accommodation. If the sales price of the home is shown to be a figure greater than 20, when the actual sales price is divided by the annual rent, it would be prudent to rent the home. Managing personal finances doesn’t have to be a daunting task; it just requires patience and practice.

Where you can cut costs:

• Cut unnecessary expenses
• Cook instead of dining out
• Look for Auto Insurance Cost Reducers
• Collection and use of coupons.
• Buy wholesale instead of retail where applicable

There is absolutely no shame in using coupons and the benefits are tremendous, it can even become a habit. Why pay full price when a little cutting vigilance and coupon saving goes a long way? If there is no print material available for coupons, the Internet is always there, the perfect place to look for printable coupons.

Cook at home and cook in batches. Then freeze for later meals. Do your due diligence in caring for leftovers and you’ll likely save a fortune on your takeout budget. There is no shame in keeping food edible and it does wonders for a family’s or individual’s food budget.

Cut back on company offers like phone packages, cable or internet packages, anything that has hidden charges, focus on those and ask to get only basic service, pay only for what you really need and use. Extra features cost and add up in the long run.

Carpooling is also a way to save, and if you absolutely must drive, drive safely to avoid fees. All these little things contribute to managing one’s finances in a healthy and productive way. And habits that are changed also stay, so it’s best to make sure you make changes for the better.

How to Estimate: Tools to Determine Value

• Simple Net Worth Calculator
• Retirement Calculator – many are downloadable
• Mortgage Rate Calculator, Again Downloadable
• Spouse or Partner Income Calculator for Multi-Income Households
• Loan calculator, free from many sites
• Currency Converter – Already Widely Used Everywhere
• Household budget calculator – a standard for many housewives
• FICO Score Range Tool – Again Available for Free Online
• Student Loan Calculator – For up-to-date interest rates

These personal finance calculators are an absolute must when strategizing and setting short- and long-term goals, tax payments and schedules, mortgage resolutions, and other financial steps. The closer the estimates are to the actual figures, the closer you will be to realizing your plans, and these are highly dependent on calculators.

Personal finance is simply net worth, cash flow, relevant planning, savings, investment instruments, budgeting or allowances, and cost reduction. If an effort is made to understand the concepts in theory and applied wisely, a personal balance sheet and credit score will continually improve beyond recovery and grow.

Do you know that if you use someone’s intellectual property in your product/service or other commercial activities without permission, it may create a lot of problems in the future? Yes it’s correct. No matter what industry your business belongs to; Whether it’s automotive, healthcare, education, information technology, online services, or entertainment, you should be familiar with the term IP INFRINGEMENT.

What is IP infringement?

A patent is an exclusive right granted to the inventor to exclude others from making, using, or selling his technologies. IP infringement refers to the use of patented technologies without permission, and in such a case, the patent holder can take legal action against the infringers. IP protection is valid for 20 years from the date of issue.

Let’s take an example. Suppose you invent a small toy and want to earn money by selling the units in your country or region. Would you allow your neighbors to make similar or updated versions and sell them on the market? Of course, no. Patenting your idea allows you to use your idea the way you want and stop intellectual property infringement activities. If you found copycats, you can file an intellectual property infringement case and get royalties.

If you can’t let someone use your innovative idea, why would others let you? If you use someone’s intellectual property, you can be sued in court. Therefore, when manufacturing a product/service or planning any business strategy, always make sure that you are not committing any kind of patent infringement.

How do I know if I’m infringing someone’s intellectual property rights?

This is a common question, which almost all businessmen have nowadays. Patent infringement does not mean that you intentionally steal someone’s intellectual property rights. Suppose you develop a product/service that uses the same design, concept, technology area, operating principle, etc. in which someone has a patent (but you have no knowledge about it). If you bring your product/service to the market, you will be liable for patent infringement.

Every patent has a claim section, which describes the scope of the invention, the area of ​​intellectual property protection, etc. By studying the claims, you can tell if you are infringing someone’s intellectual property rights. But, there are a number of patent applications filed every month, how do you check for intellectual property infringement? Get FTO Analysis!

FTO is an abbreviated form of Freedom to Operate, and it helps determine if you are free to set up your business operations or launch a product/service in a country/region without committing any intellectual property infringement. The FTO study provides full details on patented technologies (in a given country/region) similar to your product.

FTO analysis allows you to:

• Learn about the possibilities of intellectual property infringement for new product launches.
• Determine upcoming competitive products/services, technologies, and programs.
• Learn about IP licensing opportunities.
• Develop exclusive trading strategies and increase the success rate.

Conclution

The product development process is not simple and requires a lot of time and money. If your product infringes proprietary technologies, you could be caught up in serious cases of intellectual property infringement. So, before launching your product/service, do an FTO analysis from a reputable IP company and avoid patent infringement in the future.

Given the rapid rise in home prices in recent years, home sellers are taking a hard look at the commission they have to pay to a real estate broker to market and sell their home. Real estate commissions vary across the country; they average in the range of four to seven percent.

According to the 2004 National Association of Realtors® (NAR) Profile of Home Buyers and Sellers, fourteen percent of homes were sold by owner. The NAR study listed the two most difficult tasks for selling by owner (FSBO): preparing and fixing up the home for sale, and getting the price right.

Invite three full-time mid-to-high production agents to your home to give you an opinion on pricing. Understand that if all three price opinions are not what you think the property is worth, you need to understand the danger of an overpriced property. Overpriced homes have been studied by large national real estate brokers and overpriced homes take longer to sell and sell for a lower price as a percentage of the original listing price.

Ask the agents to give you constructive feedback on what you need to do to make your home visually appealing to the majority of buyers. Below are some staging tips to get your home ready for the market.

1) Research how to “stage” your home to maximize its appeal to homebuyers by creating a spacious and buyer-friendly home environment.

· Start by eliminating the first thing that gets in your way.

Remove one or more important pieces of furniture from each room to make it more spacious.

·Keep matching furniture pieces together to create uniformity in a room.

·Create break areas where two or more people can talk.

2) Keep your eye moving when organizing a room.

·Use the placement of furniture to direct the buyer’s eye to the features of a room.

·Move large furniture away from windows.

Place large pieces of furniture at the entrance end of the room to lighten the visual load at the opposite end of the room.

·Use rugs to anchor the seating arrangement.

·Have your dining table closed to its smallest size.

3) Use furniture placed at an angle in a room to give it a quick update.

· Tilt a bed in a corner of a bedroom to draw attention.

·V-shaped angled furniture in living and family rooms.

· Angled furniture can help fill a sparsely furnished room and give it a designer look.

4) Create room vignettes to set the mood.

·Breakfast tray with coffee cups, newspaper, vase in bed.

·Set the dining room table with a linen tablecloth, porcelain, cutlery and glasses.

· Set up a game table for chess, bridge or backgammon.

5) Effective model homes focus on creating the right environment.

Tidy up the clutter so shoppers can layer their furniture and lifestyle.

Smell clean, fresh and new.

·Attention to details. Clean rooms and trimmed landscaping.

· Subtle, classical, light jazz or rock background music.

·The interior decoration and the colors of the walls accentuate the architectural characteristics of the house.

·Live plants or fresh flowers add the finishing touches.

6) Understand decorating basics that can guide you in repositioning a room.

Colour. A little goes a long way.

·Scale. Does the furniture complement the sizes or overwhelm a room?

·Pattern. Easy does this to avoid being distracted from the room.

·Turning on. Use it to define dark corners. Helps fill a room.

·Focal point. Fireplaces, views, art, find one in every room.

·Texture. Add visual interest, bring warmth to cool spaces and finishes.

Understanding and completing the paperwork in a real estate transaction was the number three most difficult task according to the NAR study. Once your home is priced right and ready for the market, you should hire a real estate attorney to help you review contracts, disclosure forms, and help you qualify potential buyers for your home. An experienced real estate attorney can help you avoid common pitfalls in real estate negotiations and facilitate a smooth transaction.

Here are some key notes on real estate contracts.

Use a real estate contract approved by your state real estate bar association or local Board of Realtors®.

·Real estate contract. A binding agreement between the buyer and the seller. It consists of an offer and an acceptance, as well as consideration (ie money).

· Acceptance. Agreement by the parties to the terms of a contract.

·Contract period. Research typical contract lengths, the standard is 45 days from contract to close.

Have sold comparable properties available to potential buyers.

·Comparable. Fixed prices for homes similar in age, condition, location and size.

·Price. Study the average prices sold as a percentage of listings over the past six months.

· Low-ball offers. Buyers must offer more than 87% listing if serious; otherwise, you should not respond to low offers at all.

against offers). The response to an offer or offer by the seller or buyer after the original offer or offer. Request that all counter offers be in writing.

Require all buyers to present the highest level of mortgage commitment with their contract.

Mortgage Commitment. A document from a mortgage lender that commits the lender to provide a loan on agreed terms and conditions.

Term, rate and amount of the mortgage. Look for strong down payments of twenty percent or more. Interest-only loans indicate that buyers may be struggling to qualify for a loan.

Offers in cash in lieu of mortgage financing must be confirmed with a letter from your financial institution stating that funds are on deposit to close the contract.

Federal law requires disclosures about lead-based paint hazards.

Lead-based hazard. A disclosure of reports or knowledge of lead-based hazards. Buildings built after 1978 do not present lead-based hazards.

Read Protect Your Family From Lead in Your Home by the US EPA.

Real property disclosures required by the federal government or your state Written statements from the seller or sellers of a property revealing any known defects.

·Local disclosures. Local disclosure requirements that are provided by the seller and recognized by the buyer, such as certificates of occupancy.

W-9 form. An IRS form requesting buyers’ taxpayer identification and certification numbers to receive interest on the security deposit from delivery to closing.

Subject to appraise. Most contracts as part of the mortgage contingency require that the property in question be appraised at the minimum of the contract price.

Evaluation. An objective third-party opinion of value from a licensed or certified appraiser.

Down Payment. Money given to the seller at the time of the offer as a sign of good faith on the part of the buyer.

·Research typical security deposits as they vary. The higher the deposit, the higher the motivation buyers show to fulfill the contract.

Return of earnest money deposits. Contracts must provide for repayment of the entire security deposit within agreed contingency periods. The seller’s attorney must have security deposits.

· Period of approval of the lawyer. Your lawyer reviews and makes changes to the contract, usually in 5-7 business days.

· Property inspection period. The right under a contract for the buyer at his expense to discover the actual state of the property. This period usually lasts 5-7 business days.

·Inspections of wells and septic tanks. These are separate from structural and mechanical inspections.

· The deadlines for contingencies are executed simultaneously.

·Contingency. A provision in a contract that requires certain acts to be completed before the contract is binding.

Closing/Escrow Date. The completion date of the transaction process where the deed is delivered, documents are signed, and funds are dispersed.

· Date of possession. The date agreed by contract in which the buyer can occupy the property.

·Final tour. A tour of the property prior to closing or escrow that allows buyers a final check on condition, agreed upon repairs, and personal property.

· Tax apportionment. The amount of credit given to buyers at closing for unpaid property taxes, when taxes are paid late. Apportionments should always be more than 100%.

·Personal property. Please list and initial all personal property included in the sale, such as air conditioners, appliances, and play equipment.

· Contingency sale of housing. The contract is contingent on the sale of the buyer’s property.

Buyers show motivation by including a contingency in the home sale by having their current property already on the market.

Home closure contingency. The contract is solely contingent on the successful closing of an existing real estate contract.

Marketing your home to potential buyers should include these methods.

·A professionally painted yard sign.

Ads in classified newspapers and photo.

·Houses open to the public and brokers.

Internet: virtual tour and at least eight photos.

Historically, stocks and bonds have been an excellent long-term investment vehicle. In essence, it means ownership in the businesses that power the world. As the world grows, so do the companies and the underlying stocks that are their foundation. Financial markets are no longer dictated by a few powerful exchanges like the New York Stock Exchange and Deutsche Boerse (German), but are instead affected by a vast, complex and interconnected web of financial pick-sticks. Of course, there are many ways to invest in these global chunks of corporate property, but for now we’ll leave the attractive, if risky, methods of trading stocks involving derivatives, currencies, and day trading to other columns.

Lusha, the investment guru

Investing in stocks and bonds is very simple in principle: buy low and sell high. Easy enough, in fact, fortunes have been made by men with PhDs and MBAs alongside their names and financial network TV celebrities who have written volumes on trends and charts and rapid and stochastic indicators and investing psychology. and even races based on whether the Dallas Cowboys win or lose. Everyone is an expert and everyone has different opinions, literally thousands of opinions. There’s also a now-famous chimpanzee in Russia named Lusha who spews her poop at a list of stocks on a chart, and those stocks have tended to match or beat the picks of some of the world’s most sophisticated analysts. What does this tell us? That buying low and selling high is not so easy or, better yet, we can choose to pay big fees to analysts or hire a much cheaper primate to be our stock picker.

Indicators and Common Sense

A good place to start shopping for stocks, bonds, and mutual funds is to learn a little about indicators. These are tools that provide an analytical look at a company and the relative price of its shares. One of the most common is the P/E ratio (Price Earnings Ratio) which looks at the current price of a stock in relation to its earnings per share. That makes sense! The P/E ratio is simply the stock price divided by the earnings per share (which can be found in any number of financial publications). A high P/E ratio could indicate that a stock is overvalued and a low P/E ratio could imply that a stock is undervalued, but this is only one indicator and is completely unstable. As an example, during the dotcom bubble, some companies had no earnings like at zero P/E… nothing… a big fat donut… and yet these stocks sold for the clouds prices. Which brings us to the most important indicator you can use. It sits on the six-inch-wide analyst tucked between his two ears.

Warren Buffett said, “Invest in what you know.” For example, perhaps he agrees that there is an aging post-World War II baby boomer population. What does that mean? It could mean that companies that sell services or products to seniors will do well for years to come. You might invest in a start-up called FN Walkers Inc. (fictional) that has developed a compact titanium walking device with a built-in espresso maker. The company is reporting sky-high backorders. Or you could consider Government Bonds. These are generally the safest investments on the planet and tend to do well in times of turmoil. Why? Because investors run to safety faster than squirrels on a golf course. When the missiles start to go off around the world, investment dollars flow like rivers to safe havens and consequently the price goes up. With bonds, forget stochastic oscillators and 10-year moving averages and pray for volatility and bad news!

After all, you don’t need an expensive investment guide or a pooping chimpanzee.

Diversify by putting your eggs in one big basket

There is another way to buy stocks and bonds. It is through mutual funds. A mutual fund is simply a managed collection of stocks, bonds, or commodities held in one big basket and run by really smart people. Mutual funds come in many packages, such as funds based on Dow Industrial Stocks or growth companies or corporate and government bonds, or pharmaceuticals or emerging markets, say in China or Brazil. The theory is that owning a small part of a hundred shares is safer than owning a large amount of a single share. Another advantage of owning mutual funds is that they are completely liquid, which means that you can exit your position almost immediately. Mutual fund returns are largely based on the experience of the fund manager, and results can be closely monitored in many cases with a 1-year, 5-year, 10-year, or even 20-year moving average.

This author’s pet peeve requiring anger management counseling

Always, Always, Always, listen to the advice of your stockbrokers or the advice of so-called experts. On October 9, 2007, the Dow Industrial Average reached an all-time high of $14,164. After that, it started to free fall like a base jumper without a parachute and finally hit hard to a low of $7062 on Feb 27, 2009. Investment gurus were telling us to hold on…the market will rally. Poppycock, Fubar!!! It’s better to sell the stock as high as possible to get out and then get back in when it convulses into a splattered heap on the floor. If you exited some time after the market started to sell off and then re-entered after the dust settled, you’d be in a substantially better position than just letting the investment flow, in fact, even though the market is now dancing around 12,000 you would still be 15% BELOW the market high of $14164. Isn’t that what runners are supposed to do?

Anyway, I get sick on fast roller coasters.

Office furniture must be functional and must complement the working atmosphere of an organization. Therefore, haphazard decisions to buy any piece of furniture can turn out to be wrong in the long run. Therefore, in this post, we will be looking at a detailed office furniture buying guide for corporate and small scale offices.

The following factors play an important role in purchasing the right furniture for your workplace:

Suitability: Furniture is always selected based on the nature of the work done or done in the workplace. Therefore, the furniture used within a factory office will be different than that used within a corporate office. The best way to choose suitable furniture would be to choose an adaptable design that can accommodate multiple uses in the workplace. For example, using height adjustable chairs with footrests is the best option regardless of an office or a factory.

Cost: Next comes the cost. The cost of furniture should always be reasonable and affordable within the limits of the budget. Excessive spending on buying office furniture and frivolous spending on unnecessary aspects should be avoided. For example, expensive chairs with all sorts of ergonomic features like padded seats, leg rests, etc. they are usually not needed. Rather choosing a chair that has durability and comfort within affordable costs is the best option.

Durability: Office furniture must have a long life. Therefore, they must be made of good quality material, be it wood, metal or plastic. The correct combination of accessories, materials and manufacturing process determines the durability of office furniture and is therefore an important factor in the selection process.

Ergonomics: This is the most important aspect of office furniture. Ergonomics determines the comfort with which an employee will work throughout the day in the office. An employee’s performance is directly proportional to the comfort he experiences in the workplace.

Style: Office furniture should complement the interior environment of a workplace. Sleek, tasteful designs often create an alluring aura that creates a nice sense of sophistication and status quo in an office. For this, proper planning is essential where the right combination of design, color and shape highlights the latent atmosphere of a workplace.

Space saving: office furniture should be compact and comfortable. It should not be bulky and it should also be easy to move around. Being compact saves a lot of space and helps to utilize the maximum area, thus accommodating more employees per square foot area.

Finish: The finish of the furniture must be smooth. For example, instead of using protruding screws and bolts, countersunk bolts/screws should be used so that the furniture surface remains smooth and does not injure the user. The glossy finish creates glare and this should be avoided. Instead, matte finishes are desirable. Wooden furniture has a greater durability than metal furniture, but it must then be treated with the right chemicals to prevent fungus growth. Glass-topped furniture must have rounded edges to prevent injury to employees. Aspects that can potentially affect people’s comfort are considered when selecting office furniture.

As one of the first “Baby Boomers” – that is, one of those human beings born in the period after World War II and up to the early 1960s – I have been thinking a lot over the last few years about how much longer I will work and what I will do after I retire. It could be a dilemma; On the one hand, after 46 years of work, I am tired of working for a boss from 8 am to 5 pm every day except Saturdays and Sundays. On the other hand, I am in good health and I don’t want to give up work just to spend the rest of my days entertaining in the garden. So what is the solution?

First, I have changed my mind about the idea of ​​retirement. Retire is a dirty word. It means quitting work and hanging around waiting to die. After all, isn’t that what people do? They quit the job and after a few years of slacking off, they die. The certainty of death is very good for creating focus. It’s not that we focus morbidly on him all the time, but that we know he’s getting closer and we need to make the most of the time we have left. Every day I think more about “refocusing” instead of “withdrawing”.

My idea in refocusing is to give my employer a chance and then do something I enjoy that will keep me active, alert and maybe generate some extra income. Instead of refocusing on one activity, which is like leaving one job for another, I’m working on diversifying my activities. I think a balance of maybe charity work – giving back to society, running a small internet business and some short term part time work will suit me. I want to choose how much time I dedicate to what I do.

If you’re a Baby Boomer like me, why not think about refocusing instead of withdrawing?

Here are some suggestions for a balanced refocus:

Do some gardening: Gardening can be relaxing if you like to be outdoors. It also gives a sense of delight and I get to see an award-winning rose blossom into a beautiful work of art, sculpted by the hands of an unknown master designer. His house will look special as his efforts begin to pay off. Pick a time of day that works for you to avoid excessive heat or cold, sunburn, or getting hit by rush hour traffic. Maybe start with half an hour per day and increase if you want.

Work for a charity: Find a charity that suits you and volunteer to deliver books to seniors, deliver Meals on Wheels, do some chores at nursing homes, or find someone you’d like to read to once or twice a week. . This will get you out of your home, away from your spouse (if you have one), and allow you to feel good about helping someone who needs and appreciates your help. Remember that one day you may need someone to help you.

Do some paid part-time work: This does not have to be in the area in which you have spent your life’s work. If he were a rocket scientist, get a job as a doorman in a hotel or club, he’ll meet hundreds of interesting people and maybe enjoy socializing. If I were a taxi driver, I might get a job registering vehicles for a commission car dealer. Whatever you do, find something you enjoy and do as many or as few hours as you want or your employer allows. My uncle was almost 80 years old and washed dishes in a Chinese cafe a couple of times a week for lunch. A friend is in his sixties and does odd jobs driving for visiting celebrities. Another, in his sixties, works one day a week taking bets for a bookmaker.

Work from home: There are literally thousands of jobs you can do from home, including making money online as an affiliate, dropshipper, or eBay seller. You could host a book exchange or house sitter for people who are on vacation or out of town. You could walk someone’s dog, water their plants, feed their animals, pick up their dry cleaning. There are truly endless opportunities to earn money. And if you do it more to stay active than to put food on your table, it can be fun.

Research a topic of interest: If you’ve always wanted to know something about the Norwegian pink-tailed swan, do some research and perhaps put your findings into an e-book for sale on the Internet. Or just enjoy the research and keep your knowledge to yourself.

Take a trip: Among all your other activities, take time to take a trip to somewhere you’ve always wanted to visit. You don’t have to go for two years, you can go for a few weeks and more often. Traveling provides a nice break from your routine and is good for personal renewal if you feel like you are in a rut.

Do nothing: That’s right, do nothing for at least part of your week. Sit in a chair and listen to good music. Dream some pleasant dreams, read a good book, watch a TV show, or just doze off and rest. Or maybe have half a bottle of red wine and then fall asleep, it will be so much easier!

Whatever you do, don’t retreat and sit back and wait for the Grim Reaper. The longer you wait, the faster he will arrive. Make the decision now to refocus and plan to do a variety of tasks that will keep you physically fit, mentally healthy and, if possible, increase your income. As far as we know, we only have one life… don’t waste a single minute.

Make every minute count!

Copyright 2005 Robin Henry

Getting rich is not just about hard work. In fact, hard work has little to do with getting rich. It’s not that I don’t advocate hard work, I do. I love to work hard, but I especially like to see myself and others working smart. I know that getting rich and successful is not exclusively the domain of blood, sweat and tears. I have seen friends, coworkers, and family members go the extra mile for little to no reward.

The cult of hard work, personal sacrifice and the goose that lays the golden eggs

There is a cult of self-sacrifice evident in our culture that ensures you are very busy, working very hard and putting in crazy hours. When it comes to creating personal wealth and achieving success, you are the golden goose. However, you can only put pressure on the golden goose before it stops laying those golden eggs. Without exception, all golden geese will eventually run out of energy, ability, or enthusiasm. Therefore, learning to use other people’s time, money, and skills (i.e., leverage) is a prerequisite for becoming rich, creating wealth, and achieving success.

Money and leverage from other people

Generally speaking, gaining access to other people’s money (OPM) is a form of leverage that allows you to go beyond the limits of your own resources and instead apply ingenuity to everything you do. In business terms, leverage is the key that differentiates the freelancer who owns a job from the entrepreneur who owns a business. In financial/investing terms, it means gaining access to cash that is not yours to buy income-producing assets that you control.

What the Rich and Rich Have Known for Years

The richest people and especially the richest people in the world have known for years how to take advantage of other people’s money. Everyone from Jean Paul Getty to Aristotle Onassis and Donald Trump have excelled in this number one principle of wealth creation. His use of OPM to purchase assets is legendary. Onassis, in particular, is known for having obtained contracts to transport mineral and oil in ships and tankers that he did not already own and then going to banks to secure the loans to buy the ships and tankers using the contracts. A cheeky and talented negotiator if ever there was one!

People go about creating wealth or acquiring assets in different ways depending on their backgrounds, past experiences, and what they have been taught or know about money. For the most part, people think that great riches are unattainable largely because of the model or mindset they have about money. What most people don’t understand is that you don’t actually need money to make money. Sure it helps, but what you really need is access to other people’s money to make money.

The benefits of using other people’s money

OPM buys you time; it allows you to do things before you would otherwise be able to do them. It allows you to participate in deals that your own resources do not allow you to do. It allows you to make decisions that you couldn’t make otherwise. It takes the average person many, many years to accumulate wealth or build a business entirely with their own resources. By using the power of other people’s money, you can accelerate the creation of your personal wealth or the growth of a business. Importantly, your personal wealth creation is no longer limited to what you have been able to save and invest from your earned income.

Getting High with OPM – Real Estate

Most people’s typical first experience of using other people’s money is when they apply for a mortgage to buy their home. Your down payment combined with your employment contract that demonstrates your ability to produce future income is usually enough to secure a home mortgage loan. Unfortunately, your house is not an asset, well it is, but it is the bank’s asset, since they earn income from the loan upfront, not you. If you can get a bank to advance you a mortgage loan to buy an investment rental property (an asset) whereby you can keep what’s left of the rental income after you pay off the mortgage, then you have used other people’s money to buy and assets to produce income. To guarantee this loan, you must prove to the bank that you are a safe bet. They will typically want to see that you have at least 20% of the purchase price as a down payment and that this asset and other sources generate enough net income to outlast any changes in interest rates, lease cancellation periods, etc.

Getting High in OPM – Business

In business, entrepreneurs and business owners gain access to other people’s money when they write a business plan that they present to a business agent or venture capitalist, that is, investors. This process is known as raising capital. In exchange for the money (known as equity) received, the investor who provided the equity typically receives shares (ie, equity interest) in the business. You can also borrow money from a bank and the bank is repaid the principal and also receives interest on the loan. It is the business owner’s job to put this capital to good use; produce products or services that generate sales revenue to pay off the loan and, of course, all other business expenses.

Other people’s money is always available and accessible to a greater or lesser extent depending on general market conditions. His first responsibility as an entrepreneur or investor seeking capital is to understand and educate himself about the many sources of OPM and the many deal structures that use OPM.

Leaping through the window of opportunity

Finally, the main takeaway from all this talk about other people’s money is that instead of telling yourself “I can’t afford to start a business” or “I don’t have the money to invest in that business”, now Know that you don’t there are no real excuses or limitations. Not that using other people’s money is without its dangers. Like any financial transaction, there are inherent risks. First, you are responsible for repaying the borrowed principal and generally providing an agreed additional return to the investor. However, that is not the subject of discussion here. The key for now is to realize that you can always gain access to other people’s money to enable you to participate in deals and do things you previously thought were not possible. You can start jumping through the window of opportunity when it’s open…and when you start to implement this other people’s money principle into your business and personal wealth-building endeavors, you’ll start to realize it’s open! all time!

Today, you can get loans from banks and private lenders. However, when you apply for a loan, you should follow some important things that can help you compare short-term loans. Below are 8 factors to consider when doing a loan comparison.

type of loan

First, you need to consider the type of loan you need. For a short-term personal loan, you do not need to present your security deposits. All you have to do is show your income statements and business vouchers.

On the other hand, for a business loan, it is important to mention the purpose, regardless of the term of the loan.

You have to analyze the purpose of your loan amount. The loan can be taken for various reasons. It could be a wedding loan, vacation loan, payday loan, student loan, etc. Choose carefully regarding your needs and requirements.

Interest rate

Another factor to consider when making the comparison is the interest rate. Different interest rates are offered by different private lenders and banks. If your credit score is low, you may be charged a higher interest rate. Therefore, it is necessary to compare the loans before settling on your final option.

loan term

Usually, people apply for a short-term loan as they need to meet their immediate or short-term money problems. All they do is use the money and pay it back within 12 months. But if you find a loan that has a low interest rate, you can calculate the EMI and then compare it with the other loans. It is not necessary for a person to have to opt for a 12-month loan. The borrower can decide the tenure based on his affordability of payment.

Hidden Charges

When applying for a short-term loan, make sure you are aware of all the fees. Lenders typically charge many types of fees up front, such as credit reporting fees, processing fees, administrative fees, underwriting fees, appraisal fees, and origination fees. Ideally, you may want to avoid these fees. Choose a broker or lender that does not charge upfront fees, as this will help you save money.

Initial payment

For short-term loans, you may need to make a down payment. Although these loans do not require a down payment, home loans or auto loans do require a down payment. This amount is typically between 5 and 10% of the loan amount.

Some lenders may also provide a 100% financing service. In this case, you may have to pay additional interest. Therefore, you need to find out and compare the amount of interest and then make a decision.

Refund

Be sure to find out your ability to pay before applying for a short-term loan. You may have to pay a large amount of EMI and find out your ability to pay. It is advisable to map out the payment strategy, since irregular payment behavior will damage the credit rating.

credit rating

Your credit score plays an important role when it comes to getting a short-term loan. If you have a low credit score, be sure to work on your credit score first. You can do this by contacting your tax advisor, as he or she can help you build your credit score. If a lender charges a lower interest rate despite your low credit score, go for it. Additionally, regular loan repayments on time and in full will also help build credit score.

secured loan

Secured loans may be a good option for you if you can pay off your loan within 12 months. In this case, be sure to mortgage any documents or assets you own to the loan provider. Once this is done, your loan will be disbursed in a few days.

So if you need a short-term loan, be sure to consider the 8 factors outlined in this article. They will help you get the right type of loan and avoid the most common mistakes at the same time. I hope you can get the right kind of short term loan with these tips.