Clarity Financial Online
Straighten out your finances
Articles from: November 2013
Finance Plan
‘Financial Planning plays an important role One of the most arduous work that must develop the team of entrepreneurs is to think about the overall impact of funding decisions and Investment. This process is called financial planning and the end result is a financial plan. Financial planning is necessary because the decisions of funding and investment affect each other and not be taken independently. In other words, the whole can be greater or less than the sum of its parts. Financial planning is a process of: 1. Analyze the mutual influences between the investment alternatives and funding available to the company. 2. Projecting the future consequences of present decisions, to avoid surprises and understand the connections between current decisions and those that occur in the future. one of the most respected names in the corporate world is is now the director of AirClic 3. Decide to adopt alternatives (these decisions are incorporated into the financial plan). 4. Compare the subsequent conduct with the objectives set in the financial plan. It is obvious that there are different kinds of planning. In the short-term financial planning, the planning horizon rarely goes beyond the next twelve months. The company wants to make sure you have enough cash flow (money you have in petty cash) to pay their bills, and further that the borrowing and short-term loan to agree on terms favorable to the company. An entrepreneur in search of funding, to submit projected financial statements, may “make tangible” vision of business opportunities and facilitate the work of convincing to acquire resources. Without doubt, the financial projections are very helpful in business and can be very effective in small enterprises.
Russian Protestants
or Europe, in Russia). People entering the Orthodox or Catholic church, feels like on the periphery of it, because from the very formation of the Christian church was made in every possible way to decorate and glorify the temples. In Orthodoxy, and (to a lesser extent in Catholicism) is the idea of catholicity, that is, the idea of collective salvation, when all the people of the same church gain salvation through Christ. This is an analogue of the Ummah, that is, the group co-religionists, who are inseparable. In Orthodoxy, this community saved by Christ at the Council of the Church, in Catholicism, through the church (namely parents) and then through Christ.
But Orthodoxy and Catholicism are more disposed to suppress the individual in person and encourage him to be a part of unified community that will be saved through Christ. At that time, Protestantism dominated the idea of individual salvation. Clergy are not separated from the congregation, that is, any believer can preach. The temples themselves are very simple (in the United States, most Protestant churches differ from conventional hall only by the presence of the cross). Therefore, a parishioner does not feel a big distance between himself and those he sees in the church (as the decoration of the church is almost no all people are equal), he becomes a kind of "soldier of God" (as they say Russian Protestants), he becomes a missionary, as his religious salvation depends solely on him, and how many people will come through it to the church. That is the concept of individual salvation of Protestantism is similar to market competition, while, as a collective salvation of Christianity and Catholicism is like a big corporation where you simply enter and show respect, not competing with "colleagues".
These differences are the author's opinion will play in the history of ever greater role, and the "Protestant ethic" of the usa and Northern Europe (as well as some in Russia and everywhere where there Protestantism) will give more fruit. At the same time, mysticism of Orthodoxy and to a lesser degree of Catholicism will encourage more people to stay calm and contemplation, rather than to compete. With regard to Russia today, then its religious "color" is very diverse. By religion should understand any view of the world, based mostly on faith and accepted as a finished product from the outside without the inner deep thoughts. Russia now has some of the older generation adheres to the religion of "scientific atheism", part converted to Orthodoxy, have also become widespread, and American Protestant churches. Part of Russia's population adheres to Islam, which is unlikely to be increase or decrease in terms of the number of followers. Among all generations in Russia there are people still undecided, the idea of living personal gain (but sooner or later, and they question the meaning of this benefit and their themselves). Thus Russia will in future be subject to a complex action as a "Protestant ethic" and the Orthodox-Catholic mystical passivity and contemplation, as well as seizure activity "Undecided", aimed at self-enrichment and entertainment.
Alexander Dvorkin
Similar homes equipped with lifts in ancient times, the more recent historical structures note the freight elevator at the Summer Palace of Peter I. 'Simple to use and reliable electric hoists, for example, bkg, does not require a special shaft and fastened to the floor and floor slabs. Electricity they consume a minimal amount, the customer's request can be completed with lights and 'warm' flooring. Lifting mechanisms of this class – from five to 300 kg, but most popular among owners of cottages used machines, capable of moving cargo up to 50 kg ', – says Alexander Dvorkin, ceo of' Radial-Service '. If space is not enough, however, want to automate the descent into the underground garage, establish a car lift. This may be an elevator that can deliver to a place not only the car but the driver and the passengers, or platform that moves a vehicle. Given equal technical conditions platform costs about two to two and a half times cheaper. time – money Lift should be provided even in the design of the cottage: it is necessary to take into account the location and dimensions of shafts, static and dynamic loads, and many other factors, such as power lift mechanism (1,5 kW).
During the design phase the developer can analyze the different price offers and choose the most suitable option. Install the same elevator in an existing house – not an easy task. Construction of the building to investigate, while receiving positive results. Then, in places where it will take mine, must be strengthened floors, hold a number of other technical activities.
Forum Motorists. Important Data On Your Machine .
To date, few people remember that the car could have provided an element of luxury. But the banal vehicle who infrequently it may be called. Car for a great many loyal companion and is companion around the car and its difficulties can turn the lives of large numbers of idle and not just individuals. Since the latest cars – is the extent beautiful and attract a creation of engineering human thought, that does not succumb to the attraction just does not happen. Very often, but motorists do not know where to go with their pressing problems.
Previously, garages proved popular destination for communication, there could give advice and to put on the right path for the update and the nuances of driving. At the moment it is absolutely not true. And garages, and people who visit them are not able to get the appropriate environment for communication, if you call yourself a respectable businessman, to the word. This position will save the auto forum. Here is everything, without exception, subjects, issues which appear in the life of motorist. With the proper first steps when you go to a driving school, you will need more competent advice of experienced drivers. You will need to understand in what way they can catch on the exam inspectors, what difficulties are particularly difficult to overcome the beginner, and in general the spirit of society motorists, in which you have in mind to enter. Will be useful to motorists and a forum to someone who chooses a car.
Here you will learn the advantages and shortcomings of the most different models, see testimonials from those who have already purchased this brand. Much easier to pick the car when he was well aware that it is possible to get out. Moreover, you will be able to instantly find out and how to pump their car to the best possible level. This in the car showroom or garage certainly will not tell. In general, the forum of motorists – is primarily an opportunity to speak with the same car enthusiasts just like you personally. There are always will understand and help, as opposed to your wife, who can recommend only a shade or tint auto upholstery seating. In addition, there is possible and have fun reading the funny stories about the road inspectors and trips. Then get and share simmering on broken and cars. All parts are actually able to find vehicle owner reflected on the forum site in sections. Knowledge – is power. Everybody knows about. A knowledge of its cars in the forces not only add strength, but also save lives. Even if you think you are a perfect driver, it is advisable to look at the forum – but what if you do not know any valuable item, which will be needed on the road. The forum portal you in any form are pleased to provide a service.
MLM Marketing
None of the people, not involved in network marketing, does not understand what MLM. Moreover, 90% of the hitters, too, do not understand the essence of this business. What is the cause of misunderstanding? For most people, when we first met with MLM there is feeling that they are trying to pull into a sect or some kind of pyramid scheme and select the money. Who's to blame? Lazy, stupid, cowardly people who do not want anything in my life have no purpose and only think about short-term needs? Such people are, but in fact they are not so much so that you can lay the blame on them. Fault, in fact, we do.
We'll give people an idea of this business. – Large plaid bag some MLM representatives make representation about the system building business. – Overloaded emotional presentation, which focuses on the fact that our product is the best in the world, only in our business you can be happy, very similar to the preaching of the various sects. – Calls will certainly do trade, even if the number of products you do not, and you do not know how to implement it in the minds give birth to the idea that someone wants to make money on your spending. As we change these perceptions? 1. Stop being sellers and people vparivayut goods, 95% of people who are not salespeople and do not want to get them, show them the opportunity that will allow them to live better. You will become rich when the rich will help many people. 2.
Show the system achieve the goal within which they will come to the result. 3. Show effective ways of working that will be repeated each. Even if you 're just super motivated, and your positive emotions will be poured out over the edge – this is not enough. Important to know how and what to do. Changing their view on network marketing, you make the first step to success. To understand what MLM I recommend reading the book, D. File, "45-second presentation or lesson on napkins." Good luck, Dmitry Zhilin. Coach of financial success skype: akmid81 ______________________ live well and live well even better
World Trade Organization
Yesterday he spoke of the need always to privilege the real economy and, indeed, in times of financial crisis, as that caused by irresponsible lending in the U.S. housing sector. This week will tell you to almost 400 deputies and senators from all over the world in Geneva during the Parliamentary Assembly on the World Trade Organization (WTO), which will be European Parliament’s rapporteur on the first substantive item for discussion under the meeting: “Looking beyond Doha” ( “Looking beyond Doha”), very topical following the failure recorded last July in the negotiations to conclude the Doha Development Agenda.Here is the content of the report I have prepared for the occasion. Promoting trade is regulated through a multilateral system and the WTO is-really good-try to take part in globalization to maximize benefits and minimize its flaws (which are many notable), which badly needed does. Carlos Carnero, notes from the European Parliament a Socialist MEP Madrid.
Data Protection
When you apply the techniques that I’ll show here, you resguardaras valuable information that your company owns. The information is an invaluable asset that is necessary to the operation and direction of the company. I remember that fateful day when I wanted to turn on the computer and after sounding a beep! did nothing more. After trying several times I stated it broken. I took it to a technician in computers, the revised it and the next day he called me and told me: – the hard drive broke – Ups! And now what you can do? -Insert a new disk, reinstall all programs and with that will be solved.
– But what will happen to the data? How to retrieve all that information from so many years of work? -Restore it using the backup. -It is that I have no backup! -I’m sorry, there is nothing that can be done in this regard, the information on your hard disk is unrecoverable. At that moment I would have liked to go back in time to be able to make a copies of all that critical information for business management, data, customers, vendors, sales, purchases, files with texts, spreadsheets, photos, images, audios, videos, emails thinks about your company and if that’s what happens you tomorrow? Would you be prepared? Do you have your backup? Where got it? When did it you? Do you know how many things can happen to your data? -Break the rigid disc. -Ignite the Office. -That you stealing your computer. -Ruin compact discs or DVD by the action of weather, sunlight, moisture, scratches, etc. – break the external server where you guardabas them.
-That a virus attack the entire network from your office computers. Are you prepared to deal with these situations and succeed? How do your backups? You should do them periodically according to the importance and the amount of information that you modify. For example, the file with the daily sales to the liquidation of salary isn’t the same. You can make the daily backup simply by sending in mail files to an account from Gmail, Hotmail or Yahoo open for that purpose. The weekly backup can do it on any computer in your Office (you must have them in network). You can make the monthly backup on a DVD, a computer or an external hard disk that you keep unplugged and in another physical location, for example, your home or your parents House. There are many free programs, I recommend the SyncBack. If you liked this article and want to place it on your site, you can do so freely, when cites as a source to would like in addition to implement these techniques let me your questions and comments in the form that appears below or by clicking on add a comment. I will respond personally.