According to the Asia-Pacific Economic Corporation (APEC), small and medium-sized businesses account for nearly 97 percent of all businesses. These SMEs employ the majority of the workforce in APEC economies. Suffice it to say that SMEs are the engines of growth, and we cannot deny their immense contribution to GDP. However, it seems that the increasing digitization has eluded most. A large part still relies on outdated workflows and business processes. Imagine the level of productivity and growth they can achieve with workflow automation and streamlined processes!

Small business owners are under constant pressure from low revenue streams, rigid budgets, and limited resources. Regardless of the fact that the main objective of these companies is to reduce expenses and labor costs, they still find it incredibly difficult to deal with the initial cost of investing in this same result.

Workflow Automation areas for SMEs
Small businesses today face the threat of falling behind their competitors if they fail to automate routine processes. Today, technologies such as enhanced computing power and robust networks are being developed on a massive scale. Now it has become more than easy for SMEs to implement automation solutions for their daily processes and manage numerous tasks among their workers.

Simply put, workflow automation solutions are no longer a luxury that only large organizations can take advantage of. Below are some of the most effective areas of automation that SMEs should consider as an investment for their future expansion and growth.

payroll solutions
Many small business payroll solutions simplify the process of automating payroll from scratch or automate the transition from another system. Employee payroll management is necessary for success. A payroll software solution from a trusted workflow management company will automate activities in areas such as:

• Payroll execution

• Payroll tax management

• Compliance with existing payroll laws and guidelines

Staying away from such a solution will only lead to more expense and a waste of time and resources that you can implement elsewhere. It’s no wonder nearly 40 percent of SMBs find tax and bookkeeping to be the most time-consuming and frustrating parts of owning a business.

Benefits of Payroll Automation
Many small business owners spend endless time managing employee scheduling to ensure they have sufficient coverage. Payroll systems offer features that make it easy to automate scheduling based on individual employee data. You can also integrate the software with systems that monitor workers’ paid time off, sick leave, and vacation days. Its effectiveness lies in the fact that the reporting functions are filtered to each user.

The importance of reliable payroll software becomes more pronounced in certain scenarios. For example, you may feel completely comfortable with viewing data from employee reports, but still find workers with inquiries on payday.

Payroll automation is a comprehensive solution for SMEs, manageable from a mobile device. Allows homeowners to monitor things when they’re on the go.

Automation to improve team collaboration

Teamwork is at the heart of any business. Smooth interaction between team members is critical to sustained success. Workflow automation solutions like the project management dashboard allow teams to monitor the progress of their work together. Many cloud-based solutions also work well with remote team members.

There is also room to engage in more confidential activities such as signing contracts, discussing acquisitions, investments and negotiations. Many software solutions can create “virtual data rooms” that protect sensitive information. Collaboration tools with such a feature can manage features such as access control and print permissions and impart granularity that lets you decide who can make changes.

marketing automation
Automating your workflow is perhaps the technology best practice you can implement to improve productivity. Following recent trends, automation could be just what your organization needs to overcome the decline in productivity across the market.

With the prevalence of online marketing, SMEs find themselves in no shortage of marketing options. Fortunately, the trend is being complemented by an equal, if not greater, increase in the number of marketing automation options. Marketing automation gives marketers the ability to build one-to-one cross-channel journeys that deliver consistent, connected customer experiences. It involves providing the right content to the right customers at the right time, thereby building their trust.

Customer Service Automation
Today, the customer is king. Fostering a bond with customers is a crucial priority for managers and their staff. At the same time, there is no escaping the fact that providing excellent customer service can be quite taxing on the limited resources of an SME.

The best way to achieve quality service is to simplify this function through a customer relationship management (CRM) solution. They collect and manage customer-related information and interaction. By leveraging such a solution for themselves, SMBs better align with customer needs and provide personalized recommendations based on the customer’s history with your organization.

As you can see, the benefits that SMBs can reap by leveraging workflow automation are endless. Improve collaboration, reduce overhead, increase productivity, and free your team to focus on innovation and creativity. However, it’s wise not to view workflow automation as a silver bullet for all business concerns. You should think carefully every time you implement such a solution. Go back and take a moment to analyze your workflow and then find the solution that helps you manage it in the best possible way. Contact Ezofis to get all the benefits of workflow automation.

There are plenty of work from home business ideas that will allow you to make a living online. If you find the idea of ​​putting your feet up and relaxing on your couch appealing, you can change your life significantly. You can look into partnering with outside companies to build your business, or you can go the freelance contracting route to help your business grow. In any case, the opportunities to work from home are changing to better suit your needs. Companies are realizing that telecommuters are excellent employees and bring profitability to the bottom line.

If you’re wondering what’s out there, here are some great home business ideas to think about:

Professional Medical Services, Inc. – This company offers medical billing, transcription, and other services necessary to run a practice. Professional Medical Services is located in Cullman, Alabama. The company hires people to do transcription work remotely.

Professional medical services require transcriptionists to be experienced, and if you work for them, they will hire you as an independent contractor. Their competitive pay scale is based on skill and qualifications. The company says that the payment offered is the highest in the field, offering you a great opportunity to change your lifestyle.

SpeakWrite – This company deals with non-medical transcriptions and operates throughout the country. SpeakWrite provides transcription services to attorneys and others who need dictation services. Located in Austin, Texas, transcriptionists work remotely from Canada and the US.

SpeakWrite pays around $12 to $15 per hour. If you are a fast typist, you can earn more than $15 per hour. SpeakWrite is one of our most popular work from home business ideas. The company is actively looking for typists in the US and Canada. In particular, they look for typists with legal backgrounds.

Therescription – This company is a captioning, recording and transcription service that offers assistance to the entertainment industry in the field of post-production. In addition to its entertainment-oriented services, Terescription offers general transcription outsourcing for the legal, educational and corporate sectors. Headquartered in Irvine, California, Terescription hires remote transcriptionists as independent contractors. Pay at Terescription is competitive, allowing you to earn a living by industry standards.

Today, we are lucky enough to have a plethora of work from home ideas available. The possibilities of finding a way to telecommute are endless. It’s an exciting time for those virtually obsessed. There has never been a better opportunity to make the move to work from home.

A balance sheet can be defined as “a statement prepared for the purpose of measuring the exact financial position of an enterprise on a given date.

“It is prepared from the trial balance after all nominal account balances are transferred to the trading and profit and loss account and the corresponding accounts in the general ledger are closed. The balances now remaining in the trial balance test are personal or real accounts, in other words, they represent existing assets or liabilities at the closing date of the accounts.

All these assets and liabilities are shown on the balance sheet according to certain principles such as:

(a) All real and personal accounts that have debit balances should be shown on the asset side of the balance sheet which is on the right hand side.

(b) All real and personal accounts that have credit balances should be shown on the liability side of the balance sheet, which is on the left side. The excess of assets over liabilities represents the owner’s equity. This capital figure should match the closing balance of the capital account in the general ledger after the net profit or loss has been transferred to it.

It shows that when real and personal accounts are placed on opposite sides of the balance sheet depending on the nature of the balances, the asset side should be equal to the liability side.

As stated above, personal accounts that have debit balances are called assets; actually in the property and possessions of the merchant, as well as the debts owed to him (sundry debtors and receivables) are assets.

Real and personal accounts that have credit balances along with owner’s equity are shown as liabilities. So, the liabilities are the debts that a company has with third parties and with the owner of the company.

Asset Classification

Assets have been classified as follows:

(a) Fixed Assets. Assets of a durable nature that are used in the business and are acquired and intended to be kept permanently in order to carry on the business, such as land, buildings, machinery and furniture, etc. They are also sometimes called capital assets or fixed capital expenditures or long-lived assets. Fixed assets are collectively known as ‘Block’.

(b) Floating or Circulating Assets. Those assets temporarily held that are intended for resale or that undergo frequent changes, for example, cash, inventories, stores, debtors and receivables. Floating assets are again subdivided into two parts, liquid assets and illiquid assets. Liquid assets are those that can be easily converted into cash without appreciable loss. Cash on hand and cash at the bank are examples of such assets. Other assets that cannot be easily converted to cash, or not without appreciable loss, are called illiquid assets, eg, stocks, stores.

(c) Fictitious assets. Those goods that are not represented by anything concrete or tangible. Preliminary expenses, the debit balance of the profit and loss account are examples of such assets. These are also called ‘nominal’ or ‘imaginary’ assets.
Liability Classification

The liabilities of a company can be classified as follows:

(a) Fixed Liabilities. Those liabilities that are going to be redeemed after a long period of time. This includes long-term loans.

(b) Current Liabilities. Those liabilities that are going to be redeemed in the near future, generally within a year. Trade creditors, bank loans, accounts payable, etc. are examples of current liabilities.

(c) Contingent Liabilities. These are not real liabilities, but the fact that they become real liabilities is contingent on the occurrence of a certain event. In other words, they would become liabilities in the future whenever the contemplated event occurs. If it does not occur, no liability is incurred. Since such a liability is not an actual liability, it is not shown on the balance sheet. It is usually mentioned in the form of a footnote.

Balance Sheet Form

A balance sheet has two sides: the left side and the right side. These two sides, however, are not comparable to the debit side and credit side of a ledger account because the balance sheet is not an account. The words ‘Through’ or ‘Through’ are not used in the balance sheet. The left side is the liability side and contains credit balances for all real and personal accounts and the right side, which is the “asset” side, debit balances for real and personal accounts are listed.

Disposal of Assets and Liabilities on Balance Sheet 0

Assets and liabilities must be arranged on the balance sheet in some specific order. The arrangement of assets and liabilities on the balance sheet is called ‘Asset and Liability Marshalling’. There are two systems for disposing of assets and liabilities on the balance sheet:

(a) Liquidity Order.

(b) Stay Order.

In order of liquidity, the most readily salable assets are listed first and are followed by assets that are less readily resoldable. Thus, the most difficult assets to realize will be displayed last. In the case of liabilities, these will be shown in the order in which they are payable, placing the most pressing liability first.

Distinction between Trial Balance and Balance Sheet

1. The trial balance is the ‘means’ of the accounting process of which the balance sheet is the ‘end’ because a balance sheet is always prepared from the figures drawn from the trial balance.

2. The purpose of preparing a trial balance is to check the arithmetical accuracy of the accounting books; but the balance sheet is drawn up to reveal the financial position of the business.

3. The two sides of the balance sheet are called the ‘liability’ and ‘asset’ sides respectively, but in the case of the trial balance, the columns are ‘debit’ and ‘credit’ columns.

4. To complete the accounting cycle, the preparation of the balance sheet corresponds. necessary; but the preparation of the trial balance is not always necessary. –

5. The period after which a balance sheet is prepared is normally one year, but the trial balance is prepared very frequently and can be monthly, quarterly or semi-annually.

6. The trial balance contains all three types of accounts, viz. personal real and nominal, but the balance contains only personal and real accounts.~

7. The trial balance does not usually contain the closing stock, but the balance sheet does.

8. It is not possible to know the increased, advanced, pending and prepaid receipts and expenses of the trial balance, but the balance reveals such items.

manufacturing account

Some companies like to clearly determine the cost of the goods manufactured by them during the year before preparing the business account and determining the gross profit. This account is called the manufacturing account and is prepared in addition to the trading account. It has the following characteristics:

(i) Since the purpose of preparing this account is to determine the cost of goods produced during the year, the beginning and ending stocks of finished goods are not recorded in it; will appear in the trading account.

(ii) Regarding materials, it is the amount of materials consumed that is charged to the account. This figure is obtained by adjusting the purchase of materials for the beginning and ending stock of materials, for example, beginning stock of raw materials Plus: purchases of raw materials during the year Less: ending stock of raw materials Cost of materials consumed

(iii) In the manufacturing company there will always be some unfinished products or work in progress. The cost of work in progress at the end of the year is credited to this account, shown on the balance sheet, and charged to next year’s manufacturing account as the opening balance.

(iv) All expenses for factory wages, power and fuel, repairs and maintenance, factory wages, factory rent and fees are charged to this account. The depreciation of the machinery is also charged to this account and not to the profit and loss account as is usually done.

(v) Amounts collected from the sale of scrap or scrap materials are deducted from raw material purchases.

(vi) Now the difference on two sides of this account will be the cost of goods manufactured during the year. This cost will be credited to the manufacturing account and charged to the trading account.

The trade account will now comprise only the opening and closing stock of finished goods, the cost of manufactured goods as transferred from the manufacturing account, and sales of finished goods. The gross profit will be transferred to the profit and loss account. The profit and loss account and the balance sheet will be prepared as already explained.

The tide of new technology and trends for online selling continues to rise.

While it obviously favors the industry giants, it is unclear whether small businesses can also get on board with these new platforms.

Try Before You Buy (TBYB) is quickly becoming an eCommerce trend that should be viewed with caution.

It’s a scheme where online shoppers can order dozens of items to try on, return the ones they don’t want to keep, and then receive a refund even though the retailer they bought from hasn’t yet processed the returns.

While it’s good news for consumers, TBYB poses a serious threat to a seller’s bottom line according to a new study from omnichannel retail management firm Brightpearl.

Their findings, which were drawn from 200 retailers and 4,000 consumers surveyed in the US and UK, showed that shoppers would purchase an additional five items each month if offered a try-before-you-buy option.

However, 87% of them revealed that they would return up to seven purchases. As if this wasn’t enough to cripple a company’s bottom line, 85% of shoppers surveyed said they expect their retailer to offer free returns.

That kind of mindset and expectations are affecting sellers, especially those who have been experiencing declining profits lately, in a very bad way.

40% of companies have already seen a significant increase in “intentional returns” in the last year, as several of their bosses ordered too many items knowing that returning them was free or cheap.

Are you driving down a one-way street?

It is right to think about the well-being of your customers. And while we may have repeatedly emphasized the importance of meeting your needs and wants in order to achieve the success you’re seeking, that doesn’t mean you should risk your business.

Receiving a mountain of returned products with open arms and facing the substantial cost on your own is just absurd.

The try-before-you-buy service may be popular with the giant online stores that started it, like Amazon’s Prime Wardrobe, Asos, and Topshop, among others, but if you’re not ready to follow suit, it’s only going to eat up your Margin. benefit.

It would do you good to first weigh the pros and cons of such a scheme. In fact, find out how avoiding driving on a one-way street can benefit you and your customers.

Although it could potentially increase sales, Derek O’Carroll, CEO of Brightpearl, explained:

“Try before you buy is an interesting model, with obvious benefits for consumers and businesses, but it’s something retailers should view with caution. The impact on return rates could cause devastation for online retailers who already see how their margins are greatly reduced.

Brightpearl’s survey further revealed that 17.5% of e-commerce stores have already adopted the TBYB scheme, and more than a quarter of them are expected to offer something similar to their customers in the next year.

So are you excited or a little hesitant about this growing trend?

Liberty Mutual Auto Insurance Company is a solid choice for anyone looking for auto insurance. Read this Liberty Mutual Auto Insurance Company review to better understand who Liberty Mutual is, and then decide if it might be a good fit for your auto insurance needs.

Cars are becoming more common in the United States and with them the number of companies that are willing to insure them is increasing. With so many customers in the market, there is no reason for car insurance companies to slow down, and experts predict a steady increase in the number of customers in the market in the coming years. With the great diversity of clients in the market, it is impossible for one auto insurance company to win all the clients, and it is for this reason that there are many reputable insurance companies instead of just one. One of the most famous insurers in the United States is one by the name of Liberty Mutual.

Liberty Mutual was founded on July 12, 1912 when the Massachusetts State Legislature passed a law requiring businesses to protect their employers with workers’ compensation insurance. The company quickly gained fame and launched its first advertising campaign five years later, in 1917. The company expanded so quickly that by 1937 it had expanded to all 48 states and by 1972 it surpassed the $2 billion mark in premiums. . They have now expanded throughout the United States (serving 42 states) and in other countries around the world. They also rank 95th on the Fortune 500 list of the largest corporations in the United States based on 2006 revenue, have assets estimated at $85.5 billion, and employ more than 40,000 people in some 900 offices worldwide. Aside from auto insurance, the company offers homeowners, workers’ compensation, business multiple peril, general liability, fire insurance, and group disability insurance.

Liberty Mutual basically offers a policy called “Liberty Guard Auto Insurance.” This insurance plan covers everything from civil liability, comprehensive, collision and theft; and they offer other extra services in case you want to add something else. The liability coverage under this policy pays for damages caused by an accident up to the policy limits and prevents you from being sued if the accident is your fault. Medical payments coverage is required in some states, but for the most part it is optional. They cover you after an accident and allow you to go see a doctor if an injury occurs. Last but not least, the comprehensive and collision portion of your policy saves you from a loss by covering repairs your vehicle needs after an accident or if it is caused by fire, flood, etc. For a little more money you can add towing and labor coverage in case you ever need it.

Liberty Mutual is also known for the discounts and money-saving options they provide to their members. Like all other auto insurance companies, their discounts vary by state, and what some members may find to be money-saving options in one state may be literally non-existent for others in another state. Some of the discounts offered by Liberty Mutual Automobile Insurance Company include, but are not limited to, Accident Prevention Course, Anti-Lock Brakes, Anti-Theft Devices, Mature Driver, Good Student, Multiple Car Policy, and Driver Training Discount. In addition to these discounts, the company lets the potential customer know some of the basic money-saving tips that they give to each of their members. Some of the advice that Liberty Mutual provides is to make safety a primary concern when purchasing your next vehicle. This is important because a car with more safety features will fetch a lower rate because it will protect your diver better, not to mention that if you have more safety features, there are usually fewer to fix.

Other advice given includes considering a high deductible when it’s time to decide on a car insurance plan. A higher deductible is good if you can afford it because it will give you lower monthly premiums. However, it is important to know that in the event of an accident you will have a greater degree of financial responsibility if your deductible is high. Last but not least, Liberty Mutual tells its drivers and anyone else looking to get car insurance with them to maintain a good driving record. The fewer violations a person has on their driving record, the lower their premium, and Liberty Mutual rewards these drivers with the best rates.

One last thing worth talking about with Liberty Mutual is their additional Personal Liability Protection (PIP) coverage. Liberty Mutual decided to establish this plan simply to allow their clients to protect themselves against potential cases where they could be sued for millions of dollars. This coverage expands the range of personal injury coverage, protects a member from liability coverage caused by an accident, defends a member against claims and lawsuits, and pays for their defense anywhere in the world.

Liberty Mutual is a great insurance company for anyone looking for low-cost, great service. AM Best gives them an A rating due to their excellent customer service satisfaction and financial ratings; And they continue to grow excessively. With its different rates depending on the type of coverage, deductible and discounts; Liberty Mutual is an excellent choice for anyone looking for a company with great financial stability and a national (as well as global) presence.

In previous articles in the History of the Computer series, we discussed machine codes, programs, and memories. We also mentioned that many types of memory are volatile, that is, if we cut the power, the memory loses its data. So how did the data on your computer get there at this point? Is this like the Big Bang theory of the universe? Did it just show up? If you’ve ever had to reload an operating system, along with all the other programs you use, you’ll know that putting it on disk is no easy task. After that, you have to save it to memory, every time you ‘boot’!

What do we mean by boot? My old instructor in my first computer engineering course called it a “binary boot loader”. That’s a clue! The term is said to have originated from fictional tales of a German character you may have heard of, Baron von Munchhausen.

His exploits were serialized in comic strips and the like, along with Dick Tracey etc. One famous tale had him riding a cannonball and, deciding it wasn’t a good idea, switch to an enemy cannonball going in the opposite direction, to come back to his side.

The scandalous story that concerns us here refers to the moment when he fell into a swamp, but was able to save himself by pulling his hair. Later versions of this story had him stand up for himself. This expression ‘getting up on your own’ was common at one time. It meant getting out of his own problems.

All of this doesn’t have much to do with computers, but it does describe the way they start up!

Early digital computers were loaded with paper tape or punch cards, then magnetic tape, and then disk. You may know that before Windows there was DOS, which refers to a disk-based operating system.

In a mainframe computer there is an operating system that acts as an interface between the machine and the user. This operating system is known as ‘Exec’ (Executive) or ‘MCP’ (Master Control Program), etc. it depends on the proprietary computer system in use. (New hires were shocked to learn they had to ‘fire the executive every morning’ – high CEO turnover?). This is roughly equivalent to the Windows or Linux operating system on your PC.

The operating system handles all user input, allocates time slots and prioritizes jobs, controls print jobs, allocates mass storage, and so on. When you talk to the computer, it only listens to what the operating system tells it! The operating system can talk to the computer in its own language. Therefore, the operating system must be able to load from disk or tape into memory.

To do this, we have a system whereby a block of data, known as a “boot block”, and located in the first block of a paper tape, magnetic tape, or address 00 on a disk, is read into memory at zero location onwards. This ‘boot command’ is usually a read instruction from address 00 on device 00.

The data, contained in the boot block, loads the buffer areas needed to handle a data I/O transfer into the ‘reserved’ area of ​​memory, etc., ready for communication with the boot device, e.g. example, the disk containing the operating system Having set up all the necessary buffers, the computer reads and executes instructions from 00 onwards. These instructions, freshly loaded from the disk’s boot block, complete the setup process.

The final instruction of the boot block is a read command to disk to load the rest of the data for the operating system. This data overwrites the boot block data in memory with the normal data needed to run the system. Once the data is loaded, the operating system can start operating.

You must initialize all subsystems and check what resources are available. You need to know how much memory there is, what data is available on mass storage, what network resources are available, etc. To do this, it can look at a previous configuration, which it then compares to what it can see now. Alternatively, for a ‘clean’ boot, check what resources you have and work from there.

Tarpon fishing in the backwaters is an exciting yet challenging adventure! Tarpon range in size from one-pound juveniles to over 100 pounds, and both sizes can be found in as little as 3-4 feet of water. No matter what size Tarpon you get hooked on, catching a Silver King is an experience you will never forget!

Tarpon can be found in many different areas. Juvenile tarpon will often remain in one area throughout the year until they reach a size where they can move to larger bodies of water. There are also areas where tarpon can only come out at extremely high tides. In these lakes and ponds, tarpon will only grow to a size that suits the size of the body of water and the amount of food available. In winter, some large tarpon will move into rivers to find warmer water, such as around runoff from power plants. When the water warms up, they will go back out into the open sea.

Catching and landing a tarpon is one of the hardest things to do as a tarpon fisherman. However, hooking a tarpon is relatively easy. Hooking a tarpon is all about figuring out what bait they are feeding on and when. For every ten or fifteen tarpon you hook, you may only land one or two. In many cases, the battle may be over before you realize it started. Catching tarpon requires knowledge, skill, and a lot of luck.

Searching for Tarpon in backwaters and bays can be difficult if you have no idea where to look. As I said before, Tarpon along with other species of fish like Snook will move to warm water during the winter when the water is cold. If you can find a water runoff from a power plant, you will be able to find Tarpon there. In rivers, even in fresh water, you can find Tarpon. Look around bridges, in deep channels, and even in small streams. Tarpon will always give himself away when he comes out for air. Tarpon have a swim bladder that they use to breathe underwater and to aid buoyancy. If a tarpon can’t get to the surface to breathe, it will die. Therefore, an easy way to find Tarpon is to look for its characteristic spread. When they come to the surface for air, they do a rocking motion and you will see their head come to the surface and then the rest of their body sway as they swim down. Watch for ends that break the surface of the water.

Due to the size of Tarpon, there is a specific tackle that you must use to catch them. Your fishing rod should have a medium heavy to heavy action, and be 6 1/2 to 7 feet long. The fishing reel should be one that can hold line in the 20 to 40 pound range, such as the 4000 series reels. Always use a good strong leader, such as a 40 to 60 pound test fluorocarbon. Depending on the lure or bait you are using, that will determine the length of leader you should use. If you are using topwater plugs you will need to keep your leader shorter as the fluorocarbon line is heavy and will drag the front of the lure down. Otherwise, use a leader that is at least 2 feet long and up to 6 feet.

Tarpon like to eat many different types of fish and shellfish. Tarpon as bait such as Pinfish, Mullet, Ladyfish, Threadfins and Whitebait. They will also eat crabs and shrimp. In rivers and freshwater, try using catfish as bait, but be sure to cut the barbs off the fins first.

The rig is also an important consideration once you determine the bait to use. Floats or popper corks are good for keeping the bait off the bottom. Normally 2 feet between the popper cork and the hook is good, but adjust the ratio based on the depth of the water where you are fishing. Whenever fishing for live or dead bait, try to use circle hooks. Always use hooks the size of your bait. You don’t want to use a hook that is too small and weak. A tarpon is a very strong fish and can easily straighten a weak hook. You also don’t want to use a hook that’s too big, because this will make your live bait look unnatural when it’s swimming. If you’re not sure what size hook to use, ask your local tackle shop which hook works best for what size bait.

Lures have always been a great way to hook Tarpon. The key to lures is to find out what interests them that day. One day you may find they are snapping topwater lures and the next day they won’t even look at you. What I have found is that any lure that gives a good flash and vibration seems to work best when fishing for Tarpon. Gold and copper colored spoons work well in channels and deeper water. If you are fishing in grassy beds, use a weedless spoon. Due to the flash, these lures perform well in dirty or murky water. In clear water, lures like the Catch 2000 do a good job. This lure is a suspended lure and is ideal for medium level fishing. Jigs and soft baits have also been good for Tarpon. What I have found is that white baits like Z-TOO and light colored speckled baits like DOA Shrimp work very well, but they seem to work best when they give a quick twitch while slowly reeling. Jigs with light colored bodies and red heads work well bouncing off the bottom.

When you see Tarpon rolling around, look to see which way they are moving. Try to put your bait or lure a few meters ahead of where he saw you. If you place your fishing lure where it just rolled, there’s a good chance it’s not in that spot anymore. Always try to put distance between you and them. Tarpon have very good eyesight and hearing. If you are fishing from a boat, position the boat well ahead of the fish and to the side of the school. If you have an electric motor, use it. Remember, silence is the key here – don’t start the engine and yell in front of them because now they know you’re there and they’ll change direction.

When you hook up with a tarpon, you’ll need to learn to bow to the king. No, this is not a respect thing; this is something you need to learn so that you can prevent the fish from shaking the hook. Every time a tarpon jumps, it moves its head trying to remove the hook. If you are pulling the fish at this point, in most cases the hook will come out. So what you need to do is point your rod at the fish and even lean into the fish to give enough slack for the hook to stay on the lip of the fish. This still doesn’t mean you’ll catch the tarpon, but it does increase your chances of landing it.

When you have the grace to catch a tarpon, always respect the fish. Handle the fish properly so that it can survive and be caught again and produce more great fish like it. Never hang the fish by the gills or the mouth. Cradle the fish horizontally, and only do this if you’re taking a photo. It is always better to keep the fish in the water and remove the hook. Make sure you give the fish time to revive before you release it. Large fish should never be removed from the water, as doing so is almost certain death for the fish. Just hang your head on the side and take the picture. Use common sense and respect for these great fish as they were named the Silver King for a reason.

I hope this article has given you some tips and tricks on how to catch Backwater Tarpon! The Silver King is beautiful, and I hope we can all continue to catch them for years to come!

I have been advising borrowers in need of residential mortgage financing for over seventeen years. My experience shows that no matter how sharp, clever, intelligent, educated, or ignorant a borrower is: the mortgage rate trap they all fall into is the same. Unfortunately, by the time a borrower realizes they have been misinformed, misled, or simply given only part of the mortgage rate story; Your inept, inexperienced, ignorant, and eventually disinterested loan officer/customer service representative has earned an unearned commission.

How many times do I sit down and answer my phone only to hear “Hi, I was referred by so-and-so, and I’d like to know, uh, what’s your rate today?” My mind races with “Do you have a contract? How much are you looking to borrow? What is the size of your current mortgage? What is the purchase price? How is your credit? Can you verify income? How long do you want to lock in the rate? When do you want to close? Do you own other properties? Are you buying the property to live in or for an investment? What type of property are you buying? You see, the answer to all these relevant questions (and more) EFFECTS THE RATE! This bears repeating one more time: the answer to all these relevant questions (and more) EFFECTS THE RATE! So, I say to the respective caller while rating my answer: “If you have good credit, can verify your income, intend to live in the property, and can show enough liquid assets to purchase the property, then the prevailing mortgage rate is X.”

Please understand that I don’t blame borrowers for asking the question BUT I, as a mortgage professional, get frustrated watching consumers make the most important financial decision of their lives based on misleading ads and other information or the lack her. The catch is that many mortgage company advertisements and customer representatives mislead and/or mislead the consumer into applying for a mortgage with their company while legally and ironically complying with the federal laws put in place by our government to protect the consumer. When do you or the borrower discover that the rate and closing costs are not what they appear to be? IN CLOSING! The old bait and switch still exists, but even more costly is the retention of relative information. Many mortgage brokers feel they have a better chance of closing your mortgage when they give you a straight answer to your direct question without volunteering the other relevant information you’d want to know, if you knew enough about mortgages to ask. This other information used in conjunction with “what’s your rate?” question can save you a lot of money at the closing table and over the life of your loan.

There are many variables that go into each and every mortgage agreement, and each agreement is unique to the borrower. I’ll try to give you a general guide to the “other information” you need to be aware of, so you can research mortgage rates wisely and, if you so choose, select a mortgage professional who knows what they’re doing and can, accordingly, save you thousands of dollars.

1. Rates fluctuate daily. Some lenders lag behind the market, and some lenders immediately adjust to the market.

2. A conforming mortgage under Fannie Mae and Freddie Macs; (Largest Mortgage Buyers) Underwriting Guidelines. Your loan ceilings for 2007 are: 1-family homes $417,000 2-family homes $533,850 3-family homes $645,300 and 4-family homes $801,950. Rates are generally competitive among lenders from one-eighth to one-fourth rate. “Jumbo” mortgages exceed conforming ceilings. Jumbo rates are typically higher than conforming rates.

3. Occupancy affects rates. A primary residence is occupied by the borrower. A fee can be supplemented (increased), if the property is a second home, a vacation home, or if the property is used for investment (rented).

4. Loan-to-value (LTV) is the amount of the mortgage divided by the value of the property. The higher the LTV, the greater the risk to the lender and the possibility of a higher rate.

5. A cash refinance (cash in addition to your current mortgage) may incur a rate increase depending on the lender.

6. In general, the shorter the term of the loan (30 years vs. 15 years), the lower the rate.

7. The better the credit, the better the rate. Today’s lenders really focus on a credit score. A number determined by comparing your credit pattern and history against the credit bureaus’ database of proprietary mathematical formulas and models of historical consumer credit patterns. If your score is low, you may be eligible to (legally) re-score your credit to raise your score and therefore give you a chance at a better rate. Make sure your time frame for getting the money you need matches the time it takes to correct or repair your credit. Otherwise, the time it takes to correct or repair your report may prevent you from taking advantage of current low rates or special offers that defeat the entire purpose (“Bird in hand…”).

8. Compensating factors affect the spleen. The lender may offer you a lower rate due to a low LTV. An excellent credit rating with marginal income may allow you to obtain a better mortgage rate.

9. Mortgage brokers and lenders have different programs for different types of borrowers. In general, the more financial information you provide, the better the rate. The programs are: Full Income Full Asset Verification, No Income with Asset Verification, No Income No Asset Verification, and Reported Income with Asset Verification. The key is to make sure you choose the right program so that you not only get the right rate, but also make sure you don’t get turned down. For example, you apply for a full income full asset loan program, but don’t show the income needed to qualify on your tax return, but you may have qualified in a type of program with no income verification.

10. There is, or is supposed to be, a correlation between rates and points. A point is an initial fee of 1% of the loan amount you request. “Lower fare” means paying points to lower your fare. “Buying the fare” means paying fewer points to increase the fare. You’ll most likely want to pay points if: (a) you need to lower your rate to qualify (b) you’ll own the property long enough to amortize (recover) the money in points you paid up front (c) you have the money additional money. You most likely won’t want to pay points if: (a) You don’t have the extra money (b) You’ll own the property for a very short time (c) You think rates are going to go down soon. There are other reasons to pay and not pay points, which should be discussed on a case-by-case basis.

I’ve saved the best for last!

11. RATE LOCK. When you call and ask “what’s your rate?” you will usually be quoted the prevailing rate, a/k/a as the floating rate, meaning if you are ready and able to close within 15-21 days (meaning you applied for a mortgage, provided your information finance, you have a lender commitment, an appraisal, a title report, etc.), and you locked in the rate right now, this is the rate you would get. Now how many first time homebuyers do you think fit into that situation, Hmmm? Most residential purchase real estate transactions do not realistically fit into a prevailing rate time frame. Most borrowers are not told at the time the rate is quoted if they are ready to close in 15-21 days. So if rates are going down, fine. BUT, if rates go up, surprise!

Current rate quotes will always be lower than fixed rate quotes. So, if you’re comparing rates and want to compare apples to apples, when you’re quoted a rate, the key is to make sure you ask, “How long is the rate locked (protected) for? Is there any point, origination fees, broker fees? What lock-in time frames are available? More importantly, make sure you can close within that time frame, otherwise you may be subject to extension fees. Typically, the longer the more it costs Lockout periods are typically 15 days, 30 days, 45 days, 90 days, 120 days, 180 days Paying points, increasing the rate, or both, incorporates the cost of the lock. want to ask if a float-down option is available (if the rate goes down after you lock in, can you get the lower rate?) More important than getting a fixed-rate agreement in writing, make sure the person you’re with trying to be honest. , resp stable, and whose word means something.

12. The APR (Annual Percentage Rate). I call it Another Proven Scam. A borrower is supposed to receive the APR along with closing costs and rate information. If you look at newspaper ads, you’ll often see an advertised rate that’s one-half to one percent lower than the actual market rate. If you look at the side of that rate you will see what is known as APR. This ad is perfectly legal, as long as the indicated rate is accompanied by the APR, but in reality this is very complicated. Under federal regulation Z, the APR is supposed to be the measure of the true cost of credit, expressed as an annual rate. The government is trying to help you, the consumer, with your lending decisions by having loan providers give you the “true cost of credit” APR. They mean well, but unfortunately, most people don’t have the sophistication, knowledge, time, or financial calculator to calculate the APR. Long story short, by taking the loan amount, quoted rate, and closing costs into the calculation, you arrive at the APR. So the rate you see in the paper that appears to be lower than everyone else’s doesn’t mean anything unless you know exactly what the closing costs are. In these cases, the APR hides the closing costs. You’ll find that most of these below-market advertised prices have several points built into the closing costs. When shopping for a mortgage, instead of comparing APRs, you keep it simple for good. Find out the rate, how long it’s locked for and all closing costs included, then shop around. I hope this article helps you save thousands of dollars and good luck to all mortgage buyers.

Everyone makes mistakes, but on payroll it seems like a lot of mistakes can be made. Below is a list of 13 of the most common payroll mistakes I’ve seen and I’ve compiled them into one list. I hope you find them useful and can help you improve your own payroll system for your business!

First, don’t back up your system. Since the person managing your payroll is likely to be human, you can be sure that he or she won’t be able to work every day. Make sure you have some means of continuing to operate your payroll program without them. You should also have a manual means of recording payroll in the event of a technology malfunction.

Second, failure to issue a 1099. When hiring an independent vendor or contractor, it’s important to remember that if you pay them more than $600 for their services, they have to file a 1099. Severe penalties are subject to anyone who do not provide this form as it is an integral part of your external employment and tax records.

Next, misclassification of employees. Ensuring your employees are properly classified is imperative not only to keeping good tax records, but different types of employees are subject to different pay and/or benefit packages. Be sure to comply with all state and federal laws regarding how your employees are classified and structured within your company.

Mislabeling freelance contract workers is another mistake. Labeling all your employees freelancers is not a good way to avoid giving them compensation. The IRS also keeps a close eye on employment status, and mislabeling employees is a good way to get audited and can greatly affect your worker’s income taxes and withholding tax.

Choose Exempt or Not exempt. Employees classified as exempt are not required to accrue overtime. Simply putting an employee on pay does NOT exempt them from overtime. Classifying an employee’s status requires that he be familiar with federal and state laws, and can be different for different jobs.

Travel and displacement expenses of employees are excluded. As a general rule, accrued travel and commute expenses are not considered taxable income for a subordinate. However, if such an employee travels to a place of employment that is not his or her permanent residence, his or her travel and relocation benefits must be provided.

Miscalculating unemployment for state taxes is a very common mistake. Being late or miscalculating your state unemployment taxes can cost your business your unemployment tax credit, which can be up to 5.4%. You may also face a lawsuit if employees who have been laid off are not notified of their unemployment benefits.

Improperly recording overtime can be fatal. There are state and federal regulations regarding overtime pay. It is not limited to 1.5 times the employee’s hourly wage and may include even more calculations to be precise.

Security for employee paychecks against scammers. Technology has helped companies large and small become more self-sufficient and have more advanced tools for their activities. This same technology is also used to trick you in some situations. Check fraud is a very real thing, and you need to make sure your business is protected by watermarking or any other type of security paper method. Due to this fact, more companies are paying their employees via direct deposit, which bypasses the paper method of fraud altogether.

Mishandling employee wage debt can be crippling. It is vital to retain any type of wage garnishment, tax lien, child support, or any other court ordered paycheck withdrawal. Be sure to confirm with the ordering state that you are deducting the employee’s paycheck correctly.

The lack of registration and the acquisition of unsatisfactory data are deadly for your business. Nearly 2% of all total payroll costs are due to record keeping errors. The Internal Revenue Service requires that you keep at least four years of records, and some states require even more to be kept.

Don’t forget not to correctly record taxable items. Federal tax laws require you to account for awards and fringe benefits subject to income and employment tax withholding. Gift cards are considered cash and should never be excluded from taxable wages.

And finally, not meeting tax schedules: Depending on how late a business files its taxes, it may be subject to late deposit penalties and interest rates. Depending on how late the tax payments are, the range can vary from 2% to 20%

Presentazione Interattiva

Che tu stia facendo una presentazione o stai cercando di vendere un prodotto, una presentazione interattiva del touch screen renderà il tuo prossimo incontro più coinvolgente ed efficace. Renderà le tue presentazioni più memorabili e coinvolgenti e le trasformerà anche da discorsi lineari e asciutti in conversazioni redditizie. Ecco come sfruttare al meglio il tuo display touchscreen interattivo. Continua a leggere per saperne di più sui suoi vantaggi e su come può essere vantaggioso per la tua attività.

presentazione interattiva del touch screen

Un touch screen digitale consente agli utenti di zoomare e pizzicare senza dover accendere le luci o il proiettore. Possono anche premere il supporto che vogliono vedere per aprirlo. Le possibilità per il design della presentazione sono praticamente infinite. Anche i touch screen sono facili da usare e dispongono di memoria incorporata, sistema operativo e connessione wireless. Esistono numerosi marchi di touchscreen interattivi, tra cui Samsung, Philips e Hitachi.

Un’applicazione software chiamata Intuiface aiuta a creare presentazioni interattive per touchscreen. Il programma è progettato per consentire agli utenti di creare presentazioni con una tela bianca o importare contenuti da PowerPoint. Gli utenti possono trascinare oggetti di contenuto sulla scena e interagire con il progetto utilizzando le opzioni avanzate del programma. Se lo si desidera, possono essere supportati anche i gesti touchscreen, il che è un grande vantaggio per l’accessibilità. Intuiface supporta anche più lingue, incluso il cinese.

Presentazione interattiva del Touch Screen

Un altro vantaggio dei touch screen interattivi è la loro velocità. I display rispondono ai comandi e visualizzano i risultati più rapidamente, riducendo il tempo necessario per elaborare gli ordini. A sua volta, questo porta a un servizio più veloce. Questi vantaggi rendono i touch screen interattivi il nuovo standard nella presentazione dei contenuti e nel coinvolgimento del pubblico. Puoi saperne di più su come i display touch screen interattivi possono avvantaggiare la tua azienda visitando il sito Web di Digital Touch Systems oggi. Rimarrai piacevolmente sorpreso dai vantaggi offerti da questi display touch screen.

Un touch screen interattivo è un ottimo strumento per le classi. Può essere utilizzato per presentare documenti, informazioni, video e altro. A differenza delle lavagne bianche tradizionali, i touch screen interattivi sono impermeabili e possono resistere all’acqua e ai pennarelli indelebili. Grazie alla connettività wireless, sono compatibili con i prodotti Apple e Android. Puoi persino collegare dispositivi portatili al touch screen per una chiamata Skype. Potrai comunicare con altri studenti utilizzando lo stesso display interattivo.

La caratteristica più interessante di una presentazione touchscreen interattiva è che l’utente può esplorare il prodotto. Può essere un ottimo strumento per la raccolta dei dati, consentendoti di vedere cosa funziona e cosa no. La semplice interfaccia incoraggia il coinvolgimento degli utenti e migliora la soddisfazione dei clienti. E non è difficile impostarne uno per la tua prossima presentazione. La parte migliore è che non richiede alcuna abilità di programmazione! Ciò ti consente di realizzare presentazioni interattive con l’aiuto di pochi semplici passaggi.