World Only 4u

ملتان: سوشل میڈیا میں اپنی بے باک وڈیوز اور متنازع بیانات کے حوالے سے معروف قندیل بلوچ کو ان کے بھائی نے مبینہ طور پر قتل کردیا ہے۔

ایکسپریس نیوز کے مطابق قندیل بلوچ کو مظفر گڑھ کے علاقے گرین ٹاؤن میں اپنے آبائی گھر میں فائرنگ کرکے قتل کیا گیا۔ پولیس نے واقعے کی تصدیق کرتے ہوئے کہا ہے کہ قندیل بلوچ کو ان کے بھائی نے قتل کیا ہے، ملزم کو گرفتار کرلیا گیا ہے جس نے کہا ہے کہ اس کی بہن آئے دن ٹی وی پر آکر ہماری عزت کی دھجیاں اڑارہی تھی۔

1. The frilly clown

Make sure when you meeting someone for the first time don't do this type of handshake it simply depicts about how immature you are! This is more like best bros handshake

2. The muscle cracker

This posture shows that you are trying to atone something. So better watch out for the signs.

3. Lazy shake

If you have got this type of handshake so better to change it because many employers depict it as lack of confidence in you and also as the sign of weakness.

4. The speedy shake!

If you do Rush shakes please change it as soon as possible. It depicts that you are rude! You also don't have time even for others.

5. The dawdler!

You must not hang on longer than 'Two second rule'. This could be read as being confrontational, competitive or even hostile - such as the rival pro-hockey team members, Sidney Crosby and Alex Ovechkin are below.

6. The fend off shake

Please make sure when you greet someone that you should have proper eye contact.

7. The Perfect way to greet

Make sure your posture is good, make eye contact, hold your right hand out, give a good firm shake, shake hands for only two seconds, greet the other person by name.

With a wide range of insurance products available today it is important to understand the differences and benefits to you and your specific situation. A basic portfolio for any person but more specifically for a self-employed person should encompass the 4 following aspects.

Disability

By far one of the most important products for anyone, specifically self-employed people is disability insurance. We all work to handle our weekly and monthly expenses in addition to providing the "little extras" if we have anything left over. Employees of a company for the most part will have benefits provided to them however, being self-employed our livelihood depends on our ability to go to work and earn an income. In the event your ability to work is suddenly removed, disability insurance could be the key to your survival. Your income is the fuel for everything. Remove that and over time all else will fall apart.

Life Insurance

Life insurance has so many uses that it could essentially apply to everyone. However, the general consensus of life insurance is that it is suitable only for people with a family. This couldn't be further from the truth. Life insurance can be used to protect a debt over a period of time, provide for your survivors after final expenses, or give to a charity upon your death. For people who would like the idea of having a benefit as well as a savings or investment vehicle, life insurance could also be an option for you. Life insurance must be carefully evaluated to ensure that it is structured properly based on your specific situation.

Critical Illness

In my experience I have seen this product misunderstood the most. The important thing to understand about CI is that it will pay a lump sum benefit in the event you're diagnosed with a "specific" covered illness. Most CI products will protect against heart attack, cancer, and stroke however, each policy will differ between companies for other covered illnesses beyond these. Do not make the mistake like most do in thinking that this operates like disability insurance. Yes, they are both living benefits but they provide protection in varying ways.

Investments

Within financial circles it is encouraged to have a minimum of 6 months of disposable "liquid" income saved. For most people this is a tremendous feat and some people often throw their hands up in the air and forfeit the idea that they too can have investments. Life insurance can be designed in such a way that not only do you have protection but also an accumulating asset. Outside of life insurance there are many ways to protect and grow your money. The concern for most people is having a large sum of money lying around to be able to invest. If you don't have a large capital to start with always remember that it is better to start somewhere, even small if needed than to not start at all.

Ryan Forrester is a licensed professional in the financial industry, and has participated in the direct-marketing and sales industries since 2001.

Running your own business can be a rewarding experience.

You can make your own decisions, avoid the daily commute and choose to work only with those people with whom you feel compatible.

That is not to say that it is all plain sailing. You may have to deal with unhappy clients or customers, there will always be one or two that don't pay your invoices and you also bear the costs of both buying, maintaining and replacing equipment.

There are several types of insurance that can take some of the potential worry out of being your own boss, depending on the nature of your business and its location.

If you are providing services primarily from an office, are you working from home? Do you have customers or clients coming to see you?

If you are working from home and do have visiting clients, you may have to consider taking out some form of public liability insurance since you might be liable to a claim if they suffer an accident or injury while on your premises.

While you may do your utmost to provide the best service possible for your clients, problems can occasionally arise where a client is dissatisfied with the work. Professional Indemnity insurance is offers professionals with the protection they need against liability as a result of such claims.

Whatever the type of business it is likely that you will have to provide your own equipment to do the job. This can be anything from IT equipment to the tools of a trade. Setting up with the right gear can be costly and if anything is either damaged or stolen the consequences if you are self employed can be considerable if it means you are unable to continue earning a living.

It is particularly important to those whose business means they have to visit customers' premises to carry out work, meaning they will have to have a van and carry their equipment and tools with them.

In some cases loss of or damage to essential equipment can be added to a professional indemnity policy but it may be that the limit on the value of what is covered means that it would be better to take out separate cover for expensive tools and equipment, as well as van cover.

Specialised professional insurance for anyone who is running their own business can take away a lot of the worry and uncertainty that comes with the territory.

A newborn baby brings bundles of joy and happiness in the family. When a baby is born, it is said that the parents are blessed with the baby. This statement in itself is sufficient to explain the importance of a newborn in the family.

It is the prime responsibility of parents to take care of the newborn in the best possible manner. There are times, when a baby requires to go through some immediate medical care in order to adjust as per the world. Sometimes, babies are born with some birth related issues and thus, require treatment.

In India, a large number of people get health plans so that their health care needs are met. If you are working in private sector, then your company may have taken a group insurance policy under which maternity is covered comprehensively.

But, most of the times, medical insurance including the group insurance policies do not cover a newborn baby. The reasons are quite apparent. There are lot of possibilities that a newborn requires medical treatment immediately after birth and thus insurance companies do not want to spend their revenues on such well-recognised possibilities.

Is there any way out? Yes, of course, if your employer's group health insurance policy does not cover newborn baby, do not worry. There are some specific health plans, which cover newborn babies right from the birth.

In order to avail this facility, you have to buy a separate policy. Star Comprehensive Insurance, for instance, is one such policy which covers delivery related complications as well as the newborn baby.

The plan covers delivery whether it is normal or caesarean plus all the pre-natal and post-natal expenses are also covered up to a certain limit. This limit is ascertained as per the amount of premium you pay.

The plan also covers vaccination of the child. Yes, only a handful of plans cover vaccination because that is a sure shot expenditure one must incur.

The only thing which you have to take care is that you have to be the policy holder for at least thirty six months prior to taking the above benefits.

Religare also offers a health insurance plan called 'Joy', which covers maternity as well as newborn baby without any condition on a specific period.

If you have any other Medical plan, then you must check its conditions. Most of the times, policies provide coverage to newborn babies after 90 days of delivery. This way, a health insurance companies saves itself from settling claims arising out of health care for the newborn baby.

Comparing health insurance plans is a cake walk, today. Just visit a credible insurance comparison portal and shortlist the best-possible plans. The best part is that you can buy your insurance plans online and make payment through credit card. This provides you benefits of cash back and credit period offered by credit cards.

Plus, you become eligible for better coverage and facilities since your health insurance company does not have to pay hefty commission to an insurance agent. This benefit is passed on to you, in many ways.

So, what are you waiting for? If you are expecting a baby in your family, go for a health insurance plan and bury the worry!

Don't invalidate your fire insurance policy.

I find this a very strange case but it just shows how important it is to read the small print as if you ignore the conditions of the policy your policy could be invalidated.

In this case it was a condition of the FIRE insurance that the SECURITY Alarm was maintained and monitored. Times had been tough for the insured and he let the maintenance of the security alarm lapse and as the ARC had not been paid for 6 months they stopped monitoring the site.

Vandals broke in and set fire to the factory. It was a furniture company and they incurred losses of over £750,000.

The case went to the High Court, the judge had nothing but sympathy for the Directors of the Company and he took 'no pleasure' in ruling that as it was a condition of the combined insurance policy that alarm was to be monitored by an external firm, the Insurers did not have to meet the claim.

There are often conditions attached to the insurance policies we take out which relate directly to the risk. We need to make sure our cars have valid MOTs in order not to invalidate the policy. We are required to notify the insurance company if we get a speeding fine but, to my mind oddly, you do not have to tell them if you decide to do the Speed Awareness Course rather than pay the fine.

I have just come across a case, now in front of the insurance Ombudsman, where an insurance company voided the policy and returned all the premiums because the policy holder had unwittingly exceed the value of the 'valuables' within their contents insurance. They had insured the contents of their house for £60,000 but there was a clause stating that the value of the valuables should not exceed 66% of this.

They had to rush their daughter to hospital, and while they were out the thieves struck taking goods and damaging the property to the value of £70,000. When assessing the claim the loss adjusters calculated that the value if the valuables in the house exceeded £40,000. Normally claims would be 'averaged' to reflect the under insurance, but the insurance company in this case argued that the under insurance voided the policy. As I said this case is in front of the ombudsman as I write.

Back to case in hand where a fire insurance claim was dismissed as a security alarm and monitoring were allowed to lapse. Clients of ours run a hotel and there is someone on reception all the time so if the fire alarm is activated there was always someone on duty to respond. We came round to the time when the annual contract with the ARC [monitoring station] needed to be renewed. The Hotel Manger wanted to cancel it as it was considered an unnecessary expense. I said I agreed but asked him to check with his insurers to make sure they had no objections. The Insurers confirmed; monitoring was a condition of the policy.

Often with in the insurance policy there is a clause that the fire alarm is maintained in accordance with British Standards. It would be interesting to know whether a similar claim has been dismissed as the Fire Alarm has not been adequately maintained.

Firecall Ltd

Protecting People and Property From Fire

Protection for You

You've got a state-of-the-art child daycare built around a warm, clean and safe atmosphere. The teachers are handpicked professionals that give kids undivided attention, stimulation and fun learning. Children are happy. Staff is fulfilled. Parents are proud. What could go wrong?

Unfortunately, a lot of things - that your general business liability insurance does not cover.

Childcare Claim Examples that Really Occurred!

• Third Party Liability: After a Montessori School stated they could not admit a child due to licensed limited capacity, the parents sued for racial discrimination. The parents insisted that the school had a non-admission policy for African American children and mentioned the fact that the student body did not contain even one African American. Defense and Settlement costs totaled: $67,000.

• Internet / Email Liability: An administrative assistant for a childcare facility sent an email to all employees instead of her intended single recipient. The email contained an embarrassing inappropriate joke. The center's director instructed the employee to send a subsequent apology email to everyone. Just 2 months later, an employee that was laid off due to company downsizing, sued because of a hostile work environment and cited the inappropriate email as proof of an atmosphere that did not respect her religious principles. The facility was discomfited and uninterested in having this lawsuit revealed to the parents.

• Retaliation: An Indian childcare employee objected to the racial insults directed at him by some of his fellow workers. As a result, the owner assigned him to another room where there was less of a staff presence. The new situation warranted less work-time and therefore his hours were reduced. The slighted employee sued the childcare center for discrimination and retaliation for relating the discrimination. Defense and Settlement costs totaled: $125,000.

• Wage and Hour: A Non-Exempt head teacher was covertly tracking hours as she worked the overtime that was requested of her. As a salaried worker, this teacher never mentioned any grievance about the additional workload. When the owner was served a wage-and-hour lawsuit by the teacher, he was caught by surprise. Although there was no way to discern if the teacher's calculations regarding her work hours were precise, the center was guided by their lawyer to settle for the presented amount rather than take the risk of other present and past employees joining the lawsuit.

Employment Practices Liability Insurance

Employee-related claims come at a steep price. Protect your childcare center from a lawsuit with an EPLI plan that's tailored to you.

EPLI

An EPLI policy protects you against lawsuit claims made by current, past and possible employers, as well as visitors. It's coverage for a wide range of suits that stem from:

1. Wrongful termination

2. Discrimination

3. Sexual harassment

4. Service refusal

5. Other employee claims

You are working so hard to meet the needs and desires of your family. You have high hopes for their future. All your efforts are sincerely driven so that they lead a good life and occupy respectable positions in the family. But as we all know about the uncertainty of life in this mortal world, things don't seem that bright once we are not there with them. They would miss our care, our guidance and of course the money that we bring in to sustain them. There comes the role of life insurance, specifically term insurance. Term plans are designed with the intension to replace your income and make your loss to your family easier to some extent. A fixed sum is agreed to be paid by the insurer at the commencement of the plan, which is in fact a considerable amount of money and proportionately very huge compared to the premium paid.

Why compare term plans? This question is very important. The answer is not just difference in premium or different claim settlement ratios of companies. But different companies provide various other features that add to the basic term plan. Be it monthly income or extra coverage for some critical diseases, some companies hire a specialist team to provide claim assistance to the nominee etc. Thus, when purchasing a term plan one must be aware of the different features or riders (added benefits) provided by the insurer. Each person has a different type of requirement. Thus, one must be clear which company provides those features in their term plans that suit their requirements best. Thus, comparing term plans before just buying is a wise thing to do and all experts recommend it.

Now another question comes, how to compare? This is a very relevant question because nowadays you find insurance companies in every nook and corner. LIC is no more the sole player selling life insurance. With so many companies offering term plans with different features, it is havoc to even dare to think of comparing. These agents would do anything in their capacity to make you believe that only their company's plan is the best. So, you don't get the right information. We cannot expect you to study websites of all the insurance companies and chart out the best plan for yourself.

That problem is now addressed to a great extent by the rising capacity these insurance web aggregators are assuming in the insurance space. They intend to provide unbiased comparison in a very consumer friendly way. Thus, it is a good initiative taken by IRDA to promote Insurance Web Aggregators that provide healthy comparison in the best interest of the consumer.

Akanksha is expert in insurance sector. She has 10 year experience in insurance as well as investment field. Currently she is working with a reputed company and shares her experience through the blog and article. And she is very helping nature, so you can ask /put the questions regarding insurance and investment. She will definitely provide solution of all questions regarding compare term insurance or investment.

While often overlooked, unemployment insurance (UI) tax is a unique and interesting business obligation, because it is the tax over which a company has significant control. The ability to control both the size of the base exposed to taxation as well as the tax rate itself means planning opportunities exist here that are not found in other forms of taxation.

Consider that:

It may be altogether avoidable, depending on your state, business structure and appropriate use of independent contractors, and
It is highly responsive to behaviors and actions that you can control, monitor and measure.
Unlike a sales or income tax, unemployment insurance does not directly tax revenue or profitability. Rather, it is similar to an ad valorem tax in that it is a type of tax on productive capacity. But unlike an ad valorem tax, a company has control over the base on which that tax is levied. UI is based on a measure of payroll and smart job structuring and hiring decisions allow a company to maximize revenue with a certain sized workforce while minimizing payroll exposed to taxation.

Unlike other taxes, unemployment insurance tax rate is experience rated. This means that, in most states, a company's rate is based largely on its previous success in defending UI claims. Because of this experience rating aspect of UI, implementing effective changes today benefits not only the current quarter, but the years to come.

Companies that operate with UI consequences in mind can realize benefits beyond a lower tax rate. Often they see improvements in HR and communication processes in addition to becoming more efficient due to some standardization. In implementing changes, proactivity is the key and the human resources department is where most of the work must be done - especially in the areas of position announcement, selection, communication and retention.

It was mentioned that in the appropriate use of independent contractors can help a company avoid unemployment taxation altogether. But "appropriate" must be understood in light of UI laws in the state(s) where it does business. Each state's law regarding independent contractors must be understood or the company could face contractors being reclassified as employees.

However, if properly managed, unemployment insurance can be reduced until it's a relatively small business obligation. But to accomplish this, companies must implement change with an in-depth understanding of their state's UI laws, policy and practices. Thus, company's should consider consulting with experts in each new state where they are doing business, rather than learn state specific legislation as mistakes are made.

Unemployment insurance (UI) is a form of insurance that American society has with itself. Its purpose to create a savings pool from which qualified workers can draw if they are out of work under certain circumstances. By receiving an income during periods of unemployment, recipients can afford basic necessities until they can again be productively employed. Considering how dependent the American economy is on consumer spending, the inability of people to engage each other economically can have drastic and eventually far-reaching consequences.

The UI social safety net differs somewhat from other welfare type programs in that it is not based on economic need, but upon past employment history and the circumstances surrounding the worker's separation from their previous employment. People that have been in the workforce for longer periods of time are generally able to receive benefits for more weeks. Since UI is a form of replacement income, the dollar value of benefits a person can receive is tied to the wages they received while working.

Viewed from one perspective, UI functions as a type of government mandated savings plan for workers, by requiring liable companies to "hold back" revenue that could otherwise be distributed to them. Viewed from another perspective, unemployment insurance is a type of tax on the economic prosperity that the workers create. Either way the cost of UI to business is determined largely by the amount of potential future benefits workers might receive and the taxing policies adopted by those in charge of each state's UI program.

Funding for unemployment insurance comes from two sources - separate state and federal UI taxes. Liable companies pay a UI tax to their state government, creating a trust fund for the payment of future benefits. These same companies pay a federal unemployment tax to the IRS each year. Annually, each state receives a grant of these federal taxes to fund the employees and UI services that their UI agency provides.

This dual funding mechanism mirrors the dual approach to administration that operates UI programs across the nation. Since the federal taxes pay for UI employees and services, the federal government sets out broad program requirements that the states must operate within as well as operating goals and targets that they must meet. For example, states must operate in such as way that a certain percentage of submitted UI claims are adjudicated and paid within 21 days. Since state UI taxes pay for benefits, state agencies decide tax provisions that fund the benefits as well as rules that allow or deny individual UI claims.

This structure, both for funding and operating the UI program, allows for a healthy tension to exist between the large and diverse stakeholder populations that can be impacted by the UI program.

Charles E. McCormick, CPA

There are many tasks to achieve when it comes to starting an online business. One of the most important parts to achieve success is to set clear goals. For many people, their goals are so broad that success is something that never happens. On the other hand, you can learn to rely on your set of goals to achieve success if you set them up correctly. Here are the 5 steps to setting goals when starting an online business.

1. Be Precise

When you set an objective, it's essential that you are specific about that objective. Simply saying that you want to attract a particular audience or to make some extra money is not a specific goal. For example, a specific goal would be something like "I want to have 100 new customers the next three months." Or, "I want to earn $6,000 in the next six months." Your goals need to be specific if they are to be successful.

2. Write Everything Down In An Action Plan

Regardless of how insignificant you think it may sound, it's important to write everything down on your action plan. If you don't write it down, it's almost like you're not really committed to it and it doesn't really matter if you don't achieve your objectives.

3. Break It Down

Break down your goals into sub-goals. This makes them easier to reach. If you have a goal to get 12 more clients in the next three months, break it down on how you plan to reach that goal. For example, if you're starting an online business and you want to generate a minimum of $1,000 per month, how many leads do you need to bring in and how many products do you need to sell?

4. Set A Deadline

Giving yourself a deadline to accomplish an objective is probably the best thing you can ever do when you're starting an online business. You are accountable to yourself and your business when you add a schedule to your goals. Using this method, you put a bit of pressure on yourself to achieve that goal by or before the set time.

5. Be Accountable

An excellent way to make, keep, and achieve goals is to be accountable to yourself and anybody else who is involved in your online business. Giving your word is a powerful tool in not only achieving your goals, but also in going above them.

Regardless of your age, education, technical skills or qualifications there are no specific requirements for being a successful online entrepreneur. However you will be more successful with a solid business model to work from, clear direction, training and support. If you don't know where to start or you're not achieving the online success that you want, check out the FREE Online Business Video Series at

An online home business is just like any other business. To get the rewards, you have put in the work. It involves more than pressing a few buttons on your computer each day.

There are definitely a lot of benefits with an online home business. You can reach customers from all over the world, your business can be trading around the clock without you having to be supervising it continuously and you don't even have to produce your own products as you can sell other peoples' products and earn commission on your sales. But how will you know if your online home business is going to fail?

1. You Don't Like Learning New Skills

The online business world can be too much to handle for some people. They think they know everything as soon as they get started. But you need to be prepared to learn new skills to be successful. You don't have to be an expert in everything but as long as you know a little more than your customers, you will always be one step ahead.

2. You're Not Willing To Invest In Your Business

Any business that you start, regardless of whether its offline or online, is going to need investment. At a minimum, when you start an online home business, you will need to invest in creating a website, purchasing a domain name and getting some hosting for your website. If you try and do everything for free, you'll have very limited control over your business and you will not be regarded as a genuine business.

3. You're Too Busy Doing Other Things

If you're a little disorganised and you're never able to finish anything then you need to think seriously before starting an online home business. We all have the same 24 hours in each day and the key is to manage the time available and make it work more effectively. A regular job requires you to be working at certain times on certain days.. You need that same kind of structure when you have an online home business

4. You Really Struggle With Computers

You don't need to be a computer expert to start an online home business but you do need some fundamental skills. The basic requirement is being able to send an email and use a search engine to find some information on the internet. If you can't do that yet, find somebody who can show you how to do it. You can learn other new skills as your business grows.

5. You Don't Care About Earning Extra Money

This is usually the main reason why people start an online home business in the first place. A new online entrepreneur will not become a millionaire overnight, but with the right mind-set, techniques and determination to learn new skills, it is possible to generate extra income every month or even single day.

No matter how advanced a society is, moms are always expected to invest most of their time in raising their children and to make sure of their good upbringing. A mother is a person who gives up her needs, desires and even her career for the welfare of her children. Mothers mostly tend to give up their jobs after giving a birth and stay at home till their children are sensible enough to be self dependent. It's not a tradition that makes a woman sacrifice but a mother herself wills to give up everything for her baby's nourishment.

The world of internet has however morphed the scenario for moms. They can still make a handsome amount of money by working right from home without having to leave their children unattended or with a baby sitter. There are a number of home based businesses that they can initiate without investing even a single cent. All they need is a personal computer and they can choose from a number of ideas that we are going to mention in this article.

There are a number of jobs that are preferred by most of the mothers as they are very convenient and easy. For example, home based jobs: they don't require going out to a work place and you can work right from home on your computer. There are a plenty of websites that you can search where a number of projects are posted everyday to bid on. The best part is that these jobs offer varying rates and you can always switch to a better paying project without being bound by the employer for a definite period of time. These online jobs include article writing, blogs, travel and product reviews and many other things to choose from.

If you had been a great student at school and did quite well in academics, or if you think that you've enough expertise in a particular subject then you can go for creating a tutorial website related to your area of expertise, which could help people learn from your experience. These websites can help you earn more as compared to normal article writing as they require more input and skills.

If you think that you're not a very good writer then don't disappoint yourself! You can go for data entry projects. Data entry jobs are the easiest of all, as they don't need any high skills. All they require is time and a bit of effort. If you have an ample amount of time then they are a great option for you.

There is such a common confusion between the two different types of ad posting job offers on the web. The first type of ad posting position is in the affiliate marketing realm, which is commission based work. This entails typing ads on the internet. The second offer going around is much similar and involves much of the same thing. Basically you are posting advertisements in order to bring traffic and attention to different web businesses. This one is quite different because instead, you get paid per ad you post. You don't have to make a sale or receive any clicks in order to get compensated. Now there are many Pros and Cons to both of these scenarios as listed below.

Here are five Pros and Cons for the Two Ad Posting Program Types

Paid Per Commission Pros

1. You can post whenever you want with no deadlines.
2. There is no limit to the amount of income you can earn.
3. You don't have to turn in any type of reports of your work.
4. You are not limited to just ad posting.
5. You can choose who you want to promote.

Paid Per Commission Cons

1. You could be limited to the amount of companies you can advertise for, depending on where you live.
2. Commission payout types can be limited to only PayPal or check by mail.
3. If you don't make any sales, you don't earn any income.
4. Affiliate links can be difficult to get indexed in Google and other certain types of places.
5. Affiliate marketing is a learning process.

So now you see the basic pros and cons to ad posting jobs that pay per commission. However, there are always going to be cons in any type of business venture you partake in. The bottom line is, you need to figure out which type of program best suits you and your lifestyle.

Now let's talk about the pros and cons for more traditional types of ad posting work. This type is called "Paid per ad" and it can also be a decent way to earn some extra income from home.

Paid Per Ad Pros

1. You earn money for each ad you post.
2. There are no country hiring limitations.
3. Direct bank transfer and similar payouts are common.
4. You get payments weekly/bi weekly.
5. You can upgrade packages to earn more.

Paid Per Ad Cons

1. You have to submit a certain amount of ads to receive payment.
2. Monthly earnings are limited.
3. Ads and assignments must be completed by a deadline.
4. Minimum work may be required to keep account to remain open.

There are both good and bad advantages to ad posting jobs online. However, online marketing jobs can offer a guaranteed way to earn income. Unlike with affiliate ad posting jobs, paid per post means you complete at least one assignment and you will receive payment for your work. This of course should not be considered a type of "Get rich quick" opportunity. As you can imagine, you are not going to get rich from simply posting free ads. Part of seeking the convenience of being able to work out of your home is being realistic. Many individuals have the idea that working from home means easy money, which is not necessarily the case. Earning money should always be with the forethought of hard work, whether it be at home or outside the home.

Overview

I personally have experience in both types of non traditional offers talked about in this article and choosing which one you want to do is truly just a preference. Due to many scam warnings, you should always prepare to do some research on any program you wish to involve yourself with. Although the job offers are genuine, there are not always genuine business owners behind them. You have to be careful when choosing the business you want to get entangled with. An obviously important thing to ask is, "Do they really pay their affiliates?" Once you get this question answered as "Yes" then you are well on your way to earning extra income from home.

Selling an online business service may require less capital than a company selling a physical product. Which is ideal if you have a low budget to start your online business.

All successful products and services are designed to solve a problem for a customer.

Start your business by identifying a customer problem and solve that problem with a product or service.

Know who your customer is: How does your customer shop? is it online, is it by credit card, do they purchase related products? Be able to track your customers buying habits to find a history of what they have purchased enabling you to target them with related products. - Do a customer survey. Are they mostly women, what age are they, how much are they willing to pay for your product? This will help you focus and pinpoint with more accuracy where to advertise and who to. - Develop a Marketing strategy with your ideal customer in mind. Find out if they are on Facebook, YouTube or reading a magazine, then target these with your advertising campaign.

Solving a customer's problem: People buy when they have a problem, it's usually urgent so be quick and efficient at fulfilling their needs. - Ask your existing clients what their major problems are and see if you can provide a solution. - Know your Industry or niche, look at your competitors, what are they offering that you don't.
Once you have this knowledge you can design your online business. Create an engaging website that is easy to navigate. Post good content that keeps viewers coming back to your site. As customers use your products and get the results they want they may buy from you again.

Loyal customers will recommend your products. Generating referrals are the fastest way to grow your sales and will naturally create Brand Loyalty.

Getting Your Product Online

It is critical that you have an engaging, simple to use website. WordPress is by far the easiest I have found (being non-techy) and is used by over 20% of all sites on the Internet. Your goal is to provide value, information and an easy way to buy your product.

1. Advertise & Marketing: Get yourself on Facebook. There are 1 billion people on Facebook every day..it's mind blowing. Someone somewhere needs your product, but before you self-combust and declare that you don't know how... remember we all have to start somewhere and If you are serious about being Online then get on Facebook. Enroll on an Internet course, Do your research as there are hundreds of courses out there to choose from. Please make sure they teach you how to use business.Facebook.com.

Market your site on all the Social Media platforms that your customers are on IE Twitter, Facebook, LinkedIn, Instagram, YouTube, Pinterest to name a few.

2. Be consistent: Post regularly and keep your information up to date, you could offer a discount or a free download. Set yourself a time limit every day to market your product. Use e.ggtimer this is a fantastic tool enabling you not to lose track of time, it rings a bell every 25 minutes so you can stop and move onto something else.

3. Get Help - If like me you have limited savings and couldn't afford to pay for help use online tutorials from YouTube. Google and YouTube anything and everything you need to know But be careful. I found that some YouTube videos are out of date especially when trying to keep up with the changes that some companies IE Facebook make (it feels like every 5 minutes) It is incredibly frustrating when you try and compare what's on your screen to what you are looking at on the YouTube video.

4. Provide an opt-in button: Make it easy for your customers to opt-in to your emails or subscribe to your site. If a viewer subscribes to your site then they are more likely to buy from you.

5. Track: It's important to know who is buying your product and what they are buying. Analysis your website traffic, the number of opt-ins and percentage of viewers you who convert to customers.

The World is your office - Let me explain, science proves that travel is the secret to happiness. Not a shocking revelation I admit but still people get paid to study this stuff. A recent report from Cornell University found that spending your hard earned cash on an "experience" rather than "material objects" brings you lasting happiness.

If traveling makes you smarter and happier then why are we sitting at our desks planning the next escape.

More and more people are becoming aware of the saying "Laptop Lifestyle" but what does it really mean?..to me it means being able to work when you want and from where you want. Wouldn't we all love to wake up each morning with a passion for life, excitement for our business, a driving desire to see and experience the world, learn about new cultures and embark on exciting adventures.

5 Reasons To Work Online And Travel - Explained..

1. You have the freedom to work from anywhere that has WiFi.

You just have to find a strong connection and get working. In today's world, communicating around the globe has never been easier because of apps like Skype, Facebook, and WhatsApp.

Not only does this help you stay in touch with friends back home, but it also allows you to quickly and efficiently work remotely with clients. Google Hangouts allows you to discuss a new project or video chat via Skype for a "personal" meeting.

2. Your client pool is the world itself.

The world is now your client pool. With the click of a button, you can expand your reach and access clients around the globe. There are now 1 billion people on Facebook every day, someone somewhere will need or want your product.

The possibilities are truly endless you just need vision and an entrepreneurial spirit.

3. You have the flexibility to travel anywhere you want when you want.

Because your work isn't dependent on a physical location, you can book trips to your favorite place on earth without having to run it past your boss, arrange cover with your co-workers. You are the boss, you dictate your hours and terms of work!

As long as your clients are happy, you don't have to request time off to head out on your next adventure.

With your laptop in hand, your "office" possibilities are endless.

4. Your business expenses are minimal.

Running an online business means you have minimal overheads compared to running a large brick-and-mortar business.

All you need is your laptop and, depending on your industry, a few key tools to be in business. Working with an Affiliate partner is one of the easiest ways to start an Online business especially if like me you do not have your own product to sell. With an Affiliate marketing business, you advertise and sell other people's products earning a commission as you go.

5. Changing your environment will increase your productivity.

It's no secret that a "change is better than a rest" allowing ourselves to challenge our thinking, raise our productivity and reduce procrastination can only be good for us. Switching 8 hours of artificial light for the sunshine will boost your creativity, give you a new perspective and re-energize your workflow.

Working online gives you the luxury to choose your working environment daily.

If you've been thinking about ditching your day job to globe trot around the world (all while making money online), the above reasons will finally lead you to purchase your one-way ticket to freedom.

We are living in a world where adverse climatic change has resulted to extremely high levels of global warming. These effects have not spared the mankind, animals, fish, plants, and non-living things. Most modern houses cannot be said to be comfortable to live in without some proper level of thermal insulation.

The architects of bungalows, skyscrapers and even small houses have taken necessary measures to reinforce the buildings so as to shield those meant to shelter inside from excessively high and low temperatures.

Effective insulation helps keep warm air out and cold air in during warm months. During cold months, the opposite applies hot air in and cold air out. Over the years, sheet metals (for example galvanized steel and aluminum) are the most common insulating materials used on buildings. But, these metals are disadvantageous because their prices keep on fluctuating from time to time. Thanks to the booming construction sector. In addition to that, when ferried in large amounts, they can be extremely heavy and costly. To counter the drawbacks posed by the massive usage of these metals, fiberglass duct panels are commonly used.

The fiberglass has insulating properties that are far much more superior to that of galvanized steel or aluminum. However one of its major limitations is cost. Fiberglass is more expensive. Both galvanized steel, fiberglass and aluminum have found numerous applications in industry today, their cost kept aside. To reduce construction costs and at the same time maximizing the quality of their structures, architects and engineers have resorted to using materials that are less costly and convenient. Under these conditions insulative forms have come into great play. This latest technology on the construction industry has greatly alleviated the burden of erecting quality structures to owners since they are the ones who bears the cost. For the rental properties the case is even worse since, the higher the construction costs the more expensive they become to those wishing to rent or lease them.

Of the most commonly used materials in the design of foam duct panels are, polyurethane and phenolic foam. Their weight is considerably lower and they are more affordable as compared to fiberglass, galvanized steel and aluminum. These foam duct panels can be used as wall, ceiling, air duct and floor linings. They are capable of being made rigid or flexible depending on the purpose the building will serve. They can therefore be easily manipulated and constructed to suit the specifications of the architect. To reinforce the insulative properties of the phenolic foam duct panels, they are properly lined with thin coat of aluminum say, twenty five micrometers for the interior and two hundred micrometers for the exterior uses. Phenolic foam is a type of plastic resin that is entirely composed of aldehyde and phenol as its primary constituents. Phenolic foam duct panels can be installed either in the interior or on the exterior of a building.

Although sheet metals are good in offering structural insulation, foam insulating products have exhibited some better additional benefits as compared to the former. One major fact is that, their performance on resisting fire and moisture is withstanding. The foam produces very little amount of non-toxic smoke consisting of carbon monoxide and carbon dioxide gases in the rare event that it gets burnt.

Restoration can be defined according to Webster's New Collegiate Dictionary (1975) as a process that is 'a bringing back to a former position or condition.' Restoration is a necessity for antique lovers, when it comes to preserve the beautiful framework, historical importance and aesthetics. Yet sometimes it is just an unavoidable process due to natural calamities or other damages. At times there can be some sentimental or traditional memories to be taken care of. But regardless the reason behind restoration, it is always the highest concern of both the restorer and the client to return back into the home's original shape and design.

Types of restoration services:

Three major types of damages affecting the homes can be mentioned, for which home restoration services are needed:

Water Damage restoration services
Water damages can range from natural catastrophe to simple faults in household contents, like floods, heavy rains, toilet overflow, plumbing leaks, dishwasher leakage etc. Whatever the reason is, it causes a great damage to homes and is often followed by molds.

Fire and Smoke Damage restoration services
Fire damages can take place due to heavy lightning strikes to simple candle fire, even smoking. It also includes faulty wires or electrical equipments, natural gases and fireworks. It is the most dangerous form of damages, as it can spread out so easily and frequently destroying even a whole city.

Mold Damage restoration services
Due to poor ventilation, high humidity and darkness molds start to grow at homes. Molds are also side-effects of water damages. And sometimes it occurs in a greater extent because of not taking it seriously at the very initial stage.

Steps in restoration services:

Whatsoever the damage type is, at first the restoration team will monitor the place thoroughly and after analyzing they will make a plan to execute. Then they will take necessary steps according to the damage type. Generally the steps include limiting the damage, draining out excessive water (if any), evaporating contents, helping family members in disinfection, odor treatment, cleaning up the residues and lastly decontaminating everything.

Precautions to be taken:

Both a huge amount of expenses and effort can be saved, if several precautions can be maintained. Using waterproof materials for household contents and raising the electrical systems' level can prevent the severe water damage. Incorrect cleaning and using defective electrical appliances should be avoided. Smoke alarms and fire exit doors should be planned for each and every house. Using organic materials and controlling moisture at home can prevent molds to grow.

Health hazards:

There are possibilities of being highly infected by these damages, especially molds. It can be allergic reactions, fungal infections, asthma problems and also inflammatory infections. So molds must be taken care of at the early stages.

Time plays a vital role in affecting the walls, roof tops, furniture, electronic appliances and everything else as a result of these damages. So it should be treated with high priority as soon as possible, as it spreads out fast with time. Also the right procedure and appropriate materials usage count regarding this. It is highly recommended to contact with home restoration professionals in all above cases. At the time of restoration process, some factors should be kept in mind with high priority, such as: using cheaper painting, mixing different types of materials, lack of knowledge etc. can even lower the durability.

Underground water tanks are used for a variety of purposes. Their basic use is to collect rain water and store it for future usage. The water stored can be used for day to day usage. They can help in reducing your expenditure of water bills. There is no need to buy water, in case of emergency.

The stored water could be used for purposes like watering the outdoor garden or washing vehicles. So this excess stored water can be used for additional purposes. If the normal water supply is used for additional purposes, then there could be scarcity of water.

This stored water could also prove useful in case of emergencies like fire. In case of a major fire outbreak, the stored water could be used for extinguishing it. Many insurance companies also offer discounts in insurance premiums to people who have underground water tanks in their homes. So keeping stored water in your home will not cost you much, but will definitely be helpful during contingency.

In order to purchase subterranean water tank, the following steps needs to be followed.

First of all you need to determine, where will you place the tank in your home. In order to make this happen you have to allocate a space for the tank. You need to have sufficient space for placing the tank in your home.

The second most important factor is affordability. Obviously the larger tanks would be more costly than the smaller tanks. Before thinking about purchasing a large tank, you should determine whether you can afford it or not. You have to also evaluate your requirement. If your requirement of subterranean water is less, than you should purchase a small tank. If the requirement of stored water is more, than a larger tank is required. You will also have to spend money on the piping. You must consider all these factors before making a purchase.

You have the option of purchasing the tank online. You will find various companies selling tanks online. You must select the tank that is most suitable to you in terms of price and suitability. But before making the purchase, you must check the customer reviews. You must purchase only those products which have favorable customer reviews. Generally the reviews given by other customers are correct.

Gas is a component that is used in almost every household where it is used to serve purposes such as cooking, water heating, heating homes during the cold months, etc. It is something that people cannot live without as it is something that is extremely useful. Apart from being useful, it is fatal to those who use it as well as the people around them unless it is used well. Taking necessary precautions helps people to live a safe life. A few precautionary measures are -

• Usage of registered and branded gas equipment - It is very important to check for the registered mark or the brand name before purchasing any similar accessory. A registered mark indicates that it has gone through safety tests before being put on sale and is totally safe for use.

• Hiring registered installation and servicing professionals - While planning to install a new accessory or getting it serviced, one should make sure that the professional is licensed and accredited to take care of the procedure and knows the right methods to take care of the equipment. They should be capable of following guidelines from the user manual provided with the deice.
• Performing periodic servicing for the equipment - The equipment should be sent for servicing frequently as with regular use, there may be leakage or similar problems that may turn fatal for the people as well as the surroundings.
• Setting up of alarms - While there is a leakage of gas or carbon monoxide when there are no one to pay attention, setting up alarms can help people to be alert of a possible issue with the equipment. These alarms detect the leakage and accordingly provide alert messages by producing loud sounds to take necessary steps.
• Good Ventilation - Setting up ventilation units such as wall ventilators or exhaust fans help the leakage to free itself. It is always necessary to set up installations in places that are open. Closed spaces cause a further problem, and the degree of fatality is higher.
• Taking necessary measures while there are people around - When there is a leakage in a household or similar area, the first step is to evacuate the area and open up the windows to let the gas dilute itself. While there is a leakage, one should keep in mind that there should be no lighting up of naked flame such as cigarettes, candles, lighters, etc. This may allow the area to catch fire.

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