General Article

Luxury Vehicle Finance

Leading automotive manufacturers excel not only in ground-breaking technology, but also in innovative financial solutions which carry the same ethos and pursuit of advancement defined by the vehicles they create.

Vehicle Financing

Innovative auto manufacturers take care in providing financial services from people who have close working relationships with local dealers, and who are as passionate about luxury vehicles as those who drive them.

They ensure that motorists are able to share in the same automotive joy which comes from owning a luxury vehicle, by providing flexible financial options designed to meet their every need.

Traditional Route

A simple, traditional route to financing vehicle ownership is an instalment sale which is typically convenient to arrange and offers flexible terms to suit the driver’s needs with financing periods structured from 12 – 60 months.

The benefit of this financial option is that the vehicle is fully owned when the amount has been paid in full and the owner can enjoy the benefit of any resale value.

For the purpose of business – depreciation and the yearly interest paid against tax can be claimed back. There is also no minimum deposit payable for this option but this may be dependent on current legislation and a credit profile.

Leasing Options

Leasing allows drivers to use a vehicle for an agreed period of time, during which time rentals are paid. This also allows for drivers to return the vehicle at the end of the term, extend the lease or even acquire ownership.

As with the instalment sale, interest is calculated at either fixed or prime-linked rates and the vehicle must be fully insured during the agreement. The benefits of this option mainly accrue if the vehicle is being used for business or in the generation of an income.

This allows business owners to avoid tying up working capital as they don’t need to own the vehicle to use it and can also claim the rental as an expense against tax.

Stepped payments, inflated rentals and other structures can be tailored to suit needs and the deposit percentage and repayment period can be negotiated.

Eleven-Month Payment

Perhaps the most rewarding of vehicle finance options is that of the visionary eleven-month payment plan. With this plan, vehicle owners are entitled to miss one month of payments and enjoy the freedom of using the money where and when they need it most.

Drivers may elect one month of the year, which will remain consistent in each year over the term of the finance agreement, in which they do not have to pay a normal instalment. In short, every year, while the deal runs, there is no payment required in the selected month.

Having a wide range of competitive finance and insurance plans, developed and tailored to meet the requirements you desire in vehicle financing is what sets leading auto motor manufactures apart and raises new standards in luxury vehicle financing.…

Crisis VAT Increases – Sweeps Across Europe

In a stark warning to all countries facing spiraling debt, Latvia, Lithuania, Estonia and Croatia are all now imposing further VAT increases to help shore up their faltering finances. They join other countries such as Ireland and Hungary forced into recent crisis VAT hikes, with a number Western countries seemingly certain to follow. This includes the UK, which may be looking at 20% VAT within the next two years.

Globally, more and more countries are looking at VAT to solve their fiscal problems, most notably the US where President Obama’s healthcare reform may be the spur to push through VAT implementation. This includes the UK, which may be looking at 20% VAT within the next two years.

Global recession crushes progressive tax regimes

All three Baltic former Soviet states had undertaken extensive reforms in their financial systems. This included introducing various flat rate tax systems where income, corporate and VAT rates were simplified at similar levels, with limited tax bands. VAT was set at 18% in all three upon succession to the European Union. Coming on the back of hugely expansionary economic policies, these advanced fiscal systems were widely praised as the way forward for countries seeking to attract foreign investment. However, the current economic meltdown now seems certain to derail this strategy.

Faced with spiraling government debt and currency markets actively speculating on debt defaults, a number of states have been forced into VAT rises. Leading the charge at the end of 2008 was Latvia and Lithuania, raising their standard VAT rates by 3% and 2%, respectively. It has now become clear that these rises will not be sufficient. The Parliaments of both countries have now approved further rises of up to 23%. This will take both states perilously close to the 25% EU VAT limit.

Estonia last year resisted an increase, but has been forced into an emergency 2% increase from 1st July 2009 as its economic picture worsens. Croatia’s snap 1% increase from the start of this month came under hard pressure from the IMF and financial markets.

A warning for all of Europe

The Baltics will not be the last European country to face VAT increases. Ireland, another country suffering from a burst property bubble, has already increased its VAT by 0.5% to 21.5% in late 2008. Hungary, whose population is saddled with Euro mortgages which are becoming unsupportable with the sinking Fort, increased its VAT rate by a dramatic 5% to 25% on 1st July.

Poland has already denied rumors of a planned VAT increase to assist its financial position. In Germany, faced with an accelerating slow down in its much admired manufacturing export engine, the Chancellor, Angela Merkel, has had to quash proposals from within her government to raise VAT — although the upcoming election may have been an influence.

UK creeps towards VAT increase

In the UK three weeks ago, a Conservative UK think-tank, the CEBR is recommending a 20% VAT increase to help with the …

A Review of ‘Clean Up the Profits’ by Sam Rodman

An office cleaning business is relatively easy to set up and beginners can get started for reasonably low startup costs. Other great things about this industry are its sheer size and the fact that it is reasonably insulated from recessions. An office cleaning business can also be run from your home.

Many cleaning businesses end up closing within the first year as the owners lacked the knowledge and direction to make their goals come to life. A good guide or startup kit will give you everything that you need to get started the right way and succeed.

Sam Rodman is a cleaning business owner who has put together a product called Clean Up The Profits. The following article is a review of this guide which is also known as the Instant Office Cleaning Kit.

You can read about Sam Rodman’s incredible success in the office cleaning industry on his website. The story behind the establishment and development of his Florida cleaning company is quite surprising and inspirational at the same time.

This course is definitely a comprehensive source of information. Looking through the content some of the chapter titles that stand out include how to begin with little or no money, clients, references, insurance information, equipment and billing. And that is just a small sample.

The marketing information shared in the guide is superb. Rodman outlines methods for advertising on a budget and lead generation that will bring in the business that you need to thrive.

A well written cleaning agreement should set out to reassure clients as well as including clauses that protect the business owner. It takes two to make a deal and the professionalism of your agreement will go a long way towards ensuring that you close the deal on prospects. A model agreement is included with ‘Clean Up The Profits’.

The kit currently comes with a number of free gifts that are all relevant to the office cleaning business and you can find details of these on the site.

Public opinion toward this product is all positive. We were unable to find any negative reviews online and Rodman’s website is full of glowing testimonials, including some from people already enjoying success in the cleaning industry.

Clean Up The Profits currently comes with a money back guarantee so you can try it first and see if the information contained within it is valuable to you. It is one of the few ‘first class’ products available online in the office cleaning niche and I highly recommend it to you.…

Sanitation in the Workplace: Prioritizing Health and Safety

There are some factors that should be considered for a business to run smoothly and for goals to be met fully. It can be a challenging task for a business owner to ensure that all of the factors such as the finances, equipment and supplies, as well as the employees are working together. Yet, one of the critical factors that should be taken into consideration is the health and safety of all the employees working for you, in any way. There are some precautions that you need to do in making sure that employees are safe and they know how to keep their self secure and protected. Also, everyone should be trained on how to deal with unexpected situations.

For a business venture to run smoothly, one of the things you can do is to be able to create and maintain a positive work environment where everyone can work smoothly. The workplace can be more inviting to customers and clients if they see that every employee is having fun doing their jobs through their happy expressions. Having employees enjoy their work can also make them be more productive and accomplish their tasks faster. Stress is eliminated if one works in a workplace having positive vibes. Thus, employees can be more motivated to do their tasks and enjoy every bit of time that they work.

The health and safety of everyone can be acquired through sanitation, which is one of the factors. One way to sanitize the work environment is to provide the area with products for hygiene such as sanitizers to ensure that the spread of germs is avoided at any means possible. One example is during the winter season. At this time, there is a high probability that employees get illnesses such as colds. So, sanitation is needed in order for germs not to spread more and to keep everyone safe from acquiring some illnesses. Another way of keeping the workplace and employees safe is to have labels. Say, there are hazardous materials in the workplace; every employee should be made aware about it.

In cases that your business is on construction, make sure that every worker is provided with all the safety equipment as they work. They should always wear the appropriate attire for the job. By doing so, you can make sure that they are safe from getting any injury as they work. There should also be signs on danger areas for everyone to be aware.

Of course, there is also a need for the management to have employees trained on how to react during emergency situations. There might be unexpected situations such as earthquake that might happen so employees should be trained on how to deal with situations as such.

A business can be successful if every aspect is checked and maintained. One of the factors that can greatly affect the business is the employees. Thus, maintaining the health and safety of employees is a need. This can …

Personal Accounting Software in Review

If you are looking to manage your finance, you can just sit in your home, get a pen and a paper or a spreadsheet and it will be everything you need at first. But soon, you will see things getting complicated, and it will be hard to keep an eye on your money. This is where you would need personal accounting software.

Personal finance software packages are not so expensive. Some of them are open source and come for free. These will do everything you want. The trick is to know what you want to do and then find the package that suits your needs.

Here is a review of some of the best personal accounting software available nowadays.

Turbo CASH

It is free open source software and a major accounting one. Although the system is completely secured, open-source information still are risky, even when it comes to accounting software. How could you feel comfortable with your account details with all these online pirates out there? It could happen that a hacker finds a way to capture your keystrokes in the program and finds out important information. Nobody would like to be in your place!

The problem is not in turbo itself, but in cash. Linux is open-source software, and a smaller number of attacks that are Microsoft! The argument is that open source is developed by the largest users base and a lot of people can come back as intruder to destroy the vulnerable parts of the program.

The user interface looks very old. We were happy in the 80s with clumsy interfaces, but are we now? We all would like an accounting program to be at first the best in terms of attraction. In summary, you can get Turbo Cash for free, and it is able to do what you want, although some users discovered a bug in the program.

Quicken

It Includes Taxes calculation, which will help users work on their tax returns, at the first time. So, that makes people feeling a breeze. It will cost around $ 60 (A� 40) to download it. Even if it’s not the cheapest solution, but it gives you the possibility to choose the features you want, and display only what you need.

So, whether you need to work on your taxes or not, Quicken is the grandfather who claims to be easy for us. We have to do our finances, and we want to make it as simple as possible.

Personal Finances

You can have a trial by downloading the free version, and certainly you like the idea of providing accounting software for your home. You will find the program up-to-date, with curves, buttons and shadows, especially for those who have money and need something that feels comfortable working with; otherwise there is no need to bother yourself.

It’s a funny package that provides more than others. As a separate program, you can install the package on the flash drive (USB), and take it …

How To Clean Offices

Professional janitorial companies all follow a certain procedure when cleaning offices. You can too! This procedure or service is known as the routine cleaning.

It is done the same way in every office and consists of removing all trash, sweeping and mopping hard surface floors, dusting, vacuuming carpet, and cleaning the restrooms. The basic routine cleaning gets done the same way in every office.

The routine cleaning that takes place in offices does not include ovens or refrigerator and there are no beds or laundry to do either. Most offices close for the day at 5:00 PM and are not open on weekends. The routine cleaning can be done anytime during the evening hours. There are different types of cleaning services out there but office cleaning is the cream of the crop.

Routine cleaning is done on a regular basis in an air conditioned environment. How often an office gets cleaned depends on each customer and the size of their office or building. Offices are typically cleaned from one to five times a week.

The routine cleaning is best done in a circular pattern going from room to room and desk to desk following the perimeter of the office. This reduces the chance of overlooking something. Every desk in an office has a trash can next to it and the biggest mistake you can make is to miss emptying one of these trash cans. If you miss one trash can at one desk, someone will be very upset about it in the morning and you will hear about it. You may have done a very good job of cleaning, but overlooked a trash can or a big paper clip on the floor in the middle of the room that is very visible the next morning. For this reason it is best to perform the office cleaning in a pattern.

Do a quick walk through before leaving the office to check the work that has been done and check that each chair at each desk was put back where it belongs after the vacuuming was done.

Before you begin to clean any office, be sure to find out where they keep their paper products such as toilet paper and paper towels, and where the janitorial closet is located. Know where to find the thermostat, light switches, and trash can liners too. You’ll want two sizes of trash can liners. One size for the smaller trash cans and one large size to empty all the trash into. Knowing where things are located will save you lots of time before you actually start to clean.

Before cleaning the restrooms, restock the paper products and empty the trash. It is easy to overlook these two important things unless you get into the routine of checking them first. After that is done you can begin the actual cleaning. Every employee in the office, at some point in the day, sees the bathroom; so it is very important that the restrooms are …

How to Know Who to Hire

When it comes to hiring employees for a business you must make sure you are being thorough. For example, you have to make sure the people that you are hiring have the right credentials and are right for the job you are trying to fill. Once you hire a person you are partially, if not fully, responsible for the actions they make. The only way you can be sure that the person you hire is legitimate is to make sure that you do your research. Hiring someone that has no business experience can be a bad idea. If you hire someone that has experience working in some place such as an office cleaning company or janitorial services, you need to make sure that the company is real and that they were previously employed there.

Coming across business scams is not uncommon. Many people will try to fool you into something that they can make money off of it. The process of checking up on a potential employee is much less stressful than what could happen if you do not, the consequences are great. You can eliminate any risk of something you will regret further on. It is extremely easy for someone to fool you into believing that they are more qualified than they actually are.

Getting scammed is something that is not easy to deal with. It is complicated and messy to clean up, but there are ways for you to avoid it happening to you. If you take certain precautions with any one that you hire, before you hire them, you should be fine. There are many reasons why a person would try to fake personal information to get a job. One possibility is that the person may be an illegal immigrant, not able to get a job anywhere else.

There are standards that an employee must meet to be able to work. There are certain forms that they must have filled out, such as a work permit. Without any of their documentation there is no way they can legally obtain a job. Hiring someone when you know they are illegal can get you and your company in all kinds of trouble. There are many employees with the correct credentials that would fight for a good job in this economy.

When it comes down to it, being thorough will pay off. It may be a lot of extra work, but imagine the trouble it would save you. If you are completely positive that there is no way the person you want to hire is going to cause you harm then chances are you are right. Doing research is not as long a process and it would be to repair the damage someone scamming you may cause. The main thing to consider is if you want to take extra precautions, would you rather be safe than sorry? In the end it comes down to company decisions and the steps that they want to take, …

Office Cleaning Business Advertising Methods

The most effective way of gaining customers in the office cleaning business is through referrals as this method involves absolutely no client acquisition costs. It is hard to live off ‘word of mouth’ marketing alone though. For this reason it is important that you have regular advertising campaigns in place to gain clients as you are starting out so that you keep a steady stream of new inquiries coming in over time.

In the article we look at a number of office cleaning business advertising methods and we set out some tips on planning campaigns.

Big Budget Options

With office cleaning being a localized industry you only want to target local people with your advertising campaigns. Big media options like television are basically out of the question for independent operators. Local radio and newspaper advertising are some of the big budget options that you could try but they are usually out of the budget range that new market entrants can afford.

Your Business Website

Once you have a good website up there are so many ways to promote it online. However, for this article I will stick mostly with offline advertising methods.

Vehicle Advertising

Don’t neglect this one as it offers a way of getting some great exposure in your community for free. Once you pay for the initial expense of having magnetic signs made or a vehicle wrap applied to your business vehicle you have many years of free exposure to look forward to.

Local Business Directories

An advertisement in the Yellow Pages can be expensive but it is often the first place that people look when they need a cleaning service.

Think Outside the Box

Borrow ideas from other service industry businesses in your area. Get together with some similar businesses and compare ideas. Look at how you could work together to do joint advertising promotions in a way that allows you to split the costs.

You should test out many different advertising methods and you should always try to track your results to isolate the methods that are cost effective and bringing in results.

A great way to start getting ideas is to look at what your competitors are doing. If they have been around for a few years then it is likely that they have tested many advertising methods and are sticking with the winners only.

Always keep in mind that you may have to run an ad over a long period of time for it to be effective. If people see it over and over again you will sink into their subconscious mind and they will remember your ad when they need an office cleaning business.

Successful advertising should be the foundation of your office cleaning business marketing efforts. Advertising, when done properly will ensure that your phone is always ringing and that you have the volume of leads that you need to be signing up a regular stream of new customers.…

Mortgage Adjustments – Are You Having Trouble Making Your House Payment?

The federal government has issued incentives for mortgage holders to work with those homeowners who may be behind on their mortgage, to renegotiate. The renegotiating may involve reduction of principal, adjusted payment amounts, and delayed interest.

The idea behind the program was to slow the free-fall in real-estate values that has occurred because so many homes are being foreclosed upon- because of job loss, as well as increases in monthly mortgage payments that occur when adjustable rate mortgages adjust. Thus making the payment unaffordable for some.

The problem the lenders are running into with this situation is each mortgage/homeowner’s situation must be studied-as they have unique income, home appraisal value, and overall debt situations There is no one size fits all, easy mechanism to handle this sort of problem. The re-assessment/adjustment process has to be done by the mortgage holder, after being asked by the homeowner for assistance.

Because of the labor intensity required to study each mortgage situation individually, this report shows that the mortgage adjustment departments of many of the nations biggest banks, such as Bank of America, and Wells Fargo, are actually hiring a lot of new people to handle the volume. This represents one of the few areas of growth in employment in the country right now.

Another issue with this situation is it frequently just delays the inevitable. If you have lost your job, it may not matter if your mortgage payment gets adjusted to 25% less than it was-” you can’t get blood from a turnip” as we say here in the South.

For those of you who currently have no problem making your mortgage payment, why should you care? Well mainly as a cautionary tale. Don’t let your eyes fool your stomach,( to continue with the southern sayings)-and buy a bigger house than you can afford. Many experts suggest keeping your mortgage at less than 25% of your salary. Buy the house with a large down payment (20% is a good number for most) that gives you equity in case you do have to sell sooner than you intend and the home value falls during your early homeownership years.

Here is the HUD website that gives accurate information about the program The adjustments are made by your lender, who are getting subsidies and encouragement from the federal government to help as many homeowners as possible stay in their homes, and avoid foreclosure.

If you are having trouble paying your mortgage, then make sure you call your mortgage holder sooner rather than later, before the money runs out in these federal programs that are helping the banks with these mortgage adjustments.

Develop that emergency fund I keep posting about because it is so important to give you a cushion when times are tough. Cut out non-essential expenses, keeping spending to a bare minimum until you decide if you can stay in your home or have to sell or renegotiate. So, if you need …

Internet Marketing – Building Strong Network Marketing Business

Maybe you are one of those people who have figured out that building a strong network marketing business is possible with Internet marketing. It is a fact that Internet has paved a lot of opportunities for online business to grow more and helped a lot of people to earn huge income.

Doing Internet marketing can be challenging at first especially if you don’t have the right knowledge and skills to do it. But, it is definitely worth your effort as it can provide real good income. If you really want to make a huge impact on your business then you have to learn the skills of incorporating Internet marketing ideas to your network marketing business and slowly learn the process of earning unlimited income.

Product Advertisement

Doing network marketing business can be learned quickly. All you need to do is promote your products well and create a good impression among your clients. You may create a well designed and personalized website showcasing all your products and services therein. This is the easiest way of attracting website presence that you can start. You can also do Internet marketing well by promoting your products at social networking sites because millions of web users are also joining in these sites.

Autoresponder

Email marketing is also a good component of Internet marketing that you can apply to your network marketing business. Once you have maintained growing number of inquiries it is really difficult to reply those inquiries by yourself only. You will need an autoresponder that will send replies to all people who responded to your ads. You need to start also making lists of people you know and send them emails about your products at regular intervals to avoid being spammed.

Product and Business Promotion

In any network marketing business, you need to do a lot of promotion. This is fairly well to do using Internet marketing. Gone are the days that you spend so many hours and investing a lot of resources just to promote the products. By writing relevant articles and posting blogs about the products and the business you are attracting more people to visit your site and take a look at what you’re selling.

These are just some of the simplest ways to do Internet marketing while building your network marketing business. You can only succeed in the business if you have the right mindset and working attitude to achieve your goals. It is important that you have to plan your work and work your plans to become successful in the business.…