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The Importance Of Having A Business Plan

While writing a business plan can be made into a highly sophisticated undertaking especially by large corporations, its easy to do when done for a new or small owner operated-business.

Essentially, you will be committing your plan to paper.



 As you do so your thought will become more formal and concrete and this will tremendously assist you in the development of your business.







If you are considering to obtain financing for your new business either through a bank or the SBA, a formal business plan will be a necessity.

Home-operated businesses will have a much more difficult time in obtaining financing.

As in all undertakings of life from birth to death and beyond, the IRS will be there to watch over you.

Almost all small, home-based businesses will start out as "Sole Proprietorship."

 This legal status is best for ease of handling and for tax benefits.

Your net business income or loss becomes an addition or deduction to other income declare at the end of the year.

Careful record-keeping of all business revenue and expenses is a must.

Keep a separate business checking amount for your business.

Do not intermingle business and personal expenses.

Other special tax benefits and regulations apply to home-operated businesses.

You should obtain professional advise from your tax adviser.

Insurance

One disadvantage of being self-employed is not having health and disability insurance.

You may also need liability insurance.

Your homeowners insurance covers your belongings in your home, but it may not cover all business inventory and equipment.

Check with your insurance agent to make sure you have the right coverage.

Best Wishes.

An Idea Of Free And Cheap Web Space Options For The Thrifty At Heart

There are some good deals on the internet concerning web space and hosting but you have to look to find the best deals.


You should also consider how long a provider has been in business.

Finding free web space on the Internet is simple.

All you have to do is use a simple Web search (Google, Bing or Yahoo) and the results should bring back options for free web space.






There are many individuals and businesses looking for a place to put their website without having to pay for the service.

These free services can provide anywhere from 5MB to 100Mb of online web space for hosting your web site.

Free sites also come with some cool stuff, such as counters, guest books, virtual domain names, tracking logs, blogs, copy and past scripts that are usually Java code scripts and more.

These additions are good for people that have little or no knowledge into building a web site.

A free service provides benefits to all people and may sound like a good idea but the goal is to do your research to see if the deals are viable or not.

Free services can also bring other unwanted things that you have to deal with when you sign up for the service.

Usually, you have to submit to advertising and surveys by filling out a form before you can get your free service.

Be sure that you read the user agreements that come with the free services.

You can go on the cheap and don’t want advertisements running on your site, you can get a service similar to free hosting but you would have to pay a small fee to keep your web page ad-free.

Some of these providers will offer you a service for $2.95 a month with 100MB of web space if that’s all that you need, and you can always upgrade your packages.

There's a lot of competition for your Web site hosting dollars, and you can find some pretty good deals if you look hard enough.

All The Best.

Hello Friends, Beware Of Cyber Squatters

Do you know that your domain name could be stolen, this happened to one of my old domains, simply because i had issues renewing it with my registrar and this gave it up to some bad entity known as the Cyber squatters whose mission can be to steal your web identity and this is how they do it, Not Necessarily so!

They could register YourDomainName.org and do the same thing with YourDomainName.biz, domains or business, thereby later contacting you and then try to sell you those names at advanced prices.

If that doesn’t work, then the following events could happen.
They may allow your competitor to get a domain that sounds like yours, and allow him to cause confusion or try to steal your hard-earned traffic, business and clients

Take these steps right now to halt the cyber squatters. Have people go through you for authorization: Go through your domain name registrar and fill in a form that locks in authorized entities of your claim of other domain names.

You can buy these names and keep them under your roof. It will provide you information to include, such as contact information, who should be contacted if someone wants to register your domain, the character string you are claiming (this must be an EXACT match), description of your current products/services, when you began using that domain name. 

You have a small window to accomplish filling out an authorized entry form. Check with your domain registrar for time frame windows in filling out an authorized entry form Failure to enter a claim during a certain time frame means the registering entities will not check to see if there is an equivalent .com, .net or .org name.

 They will not check the IP Claim Service database. Meaning, you could loose your .info or net-version of your domain name. Don’t let cyber squatters shake you down and ruin what you have built up on the net.
Get the rights and the authorization to similar or like names to your main domain name

Have A Great Day.

The Domain Name Explained In Brief

A domain is a name that identifies IP addresses on the internet.
The domain name Google.com, Bing.com or Yahoo.com represents different IP addresses. Domain names are used to identify Web pages
For example, in the URL https://idearules.blogspot.com/, the domain name is https://idearules.blogspot.com/.
You register a domain name by registering with a domain name services registrar.
The domain name industry is regulated and overseen by ICANN, which is an organization responsible for providing standards and procedures for certifying companies as domain name registrars.
 
Domain name registration has grown over the years. Network Solutions was the first domain name registrar to ever provide such a service. That was over ten years ago but today there are many accredited registrars. Only a domain name registrar is permitted to access and modify the master database domains that are on InterNIC servers.

The fee is determined by the registrar as far as getting a domain name and some registers have special domain name packages.

Do You Really Need a Domain Name?
You use a domain name to create an identity on the World Wide Web and domain names can also be used for branding purposes, such as Wal-Mart, K-Mart, etc. In picking a domain name, the title shouldn’t stray far from what your company is all about. 

This will allow you to market your web-site as a subsidiary of your business and put your domain name on business cards and advertisements.

Once you select a domain name, you must register it with a domain name registrar.
This is a task you can do easily.

Many ISPs offer a complete package that includes hosting and the registering of the domain name for you.

 Fees probably will include a one time set-up fee for all of the backend technical work that needs to be accomplished.

Then pay your service provider a monthly, semi-annual or annual fee for Web site hosting services.
 
Many domain registrar services have competent online tools to help you get your domain name and hosting site up and running. Have a wonderful week.

A List Of 3 Different Web Server Hosting Sevices

There are different types of hosting services that you can choose from depending on what type of web development and web site that you want to host. Most ISP’s specialize in just internet access and  but now, you will see an ISP do both. These companies make their money off of providing access to the Internet.
1.Development Hosting - Web site developers are buying their own servers and offering independent hosting services for their clients.
This is called development hosting in which they provide web development services along with a host server located at their place of business. The consumer gets charged for the development and the maintenance of the web-site.
2.Web-Hosting ISP’s. – These are companies that specialize in hosting business web sites. There is no dial up access needed and site owners access their pages via File Transfer Protocol (FTP). This is what the majority of small businesses use to put their site information on the internet. Other services are also included in the Web Hosting ISP package depending on their service plans. These types of hosting plans are usually for corporations that need a lot of bandwidth to run their web applications. These companies run T1 access lines for big packets of internet data and have multiple connections to an internet backbone. They have fully staffed data processing facilities and the prices are substantial for using these types of services.
3.Corporate/Industrial Hosting - Companies like Hewlett Packard, Dell or IBM, run the server infrastructure for most of these host companies. The SOHO business owner will usually need the Web-Hosting ISP services. It is the middle ground between the basic and advanced services. Have A Wonderful Day.

The Linux Unix Options For Small Businesses

Linux/Unix is an alternate type of system that provides hosting for small businesses and companies that run Linux/Unix applications on their personal computers and laptops.

The Linux/Unix-based platform is stable platform in the industry. 

The Linux operating system was developed by Linus Torvalds as an alternative to other operating systems.

Most of its versions are free of costs. The most popular Linux software is Red Hat and Mandrake.




Linux/Unix was only for professionals until a few years ago but the situation has changed.

Many 'small businesses have switched to the Linux/Unix platform because of its open source architecture, meaning that users can structure the system to do what they want it to do.





Web host providers are specializing in Linux/Unix servers and the demand for this type of interface has grown by 40% over the last three years.  A

 Unix-based platform is one of the most reliable operating system that you can ever have.

 It has a better up time than Microsoft Operating Systems and hosting programs in Linux/Unix are more flexible.

You actually can get ore from a Linux/Unix based server than other servers on the market.

Linux/Unix supports a wide variety of application languages, more than any other operating system.

The most common applications of such kind include C, C++, Shell, Perl, Tcl, Python, Java and PHP.

Databases available for Unix are mSQL and mySQL.

The one you choose would depend on what you plan to do on the web and the host that you choose to park your web site.

The Linux/Unix based system comes with its won web development module in some versions of Red Hat Linux that make web site creation easy as 1-2-3.

FTP modules are built into the operating system to provide you with an alternative way to load the web site to the Linux/Unix host.

Linux/Unix will become a major force in the future as more small to medium businesses turn towards its hosting platform.

 Have A Nice Day.

5 Easy Ways To Take Total Control Of Your Finances

1.Create and Maintain a Budget
 The first step to avoiding the troubles of financial debt is to create and maintain a budget.
It’s not as intimidating as it sounds, don’t worry. First off,  create a list of all your monthly income and also a list of your monthly expenses. When determining income, list all sources including alimony, child support, side jobs, etc. In calculating expenses, be sure to include housing, food, transportation, utilities, entertainment, etc.
To gain an accurate reflection of actual expenses, sit down each night and write down expenses, just make sure to save receipts.
 Determine if your income covers all of your expenses.
If the answer is no, then some expenses need to be reduced. 
Adjust expenses.  If it is a small discrepancy, it may mean reducing some minor expenses like entertainment or cell phone plan.
If the deficit is larger, you may need to downsize your vehicle or living arrangements. If your income covers all of your expenses, you still may want to trim some of the excess fat off your spending habits.
This can free up extra money for things such as vacations or college funds for your children.  Additionally, consider if you need to add new categories.
Some areas that are often overlooked are debt reduction, emergency savings funds, and retirement savings. An emergency fund ensures there is an adequate amount available to cover unforeseen events (car emergency, etc), should it arise. This will eliminate the need for using credit which can quickly damage your budget. There are several advantages to sticking to your budget.
Firstly, most people have set financial goals that they would like to reach in the future.
Sometimes it may be a trip, a brand new car, or a college education.
A budget can help people save money to make these goals a reality.
Additionally, many people are crushed under heavy consumer debt.
Without a disciplined pattern of spending, it is virtually impossible to make much headway in reducing debt. A personal budget will provide the necessary framework to begin eliminating these inflated account balances. If executed properly, a budget will allow a person to simultaneously meet their expenses, place money into savings, and pay back outstanding debts. Therefore, it is anyone’s best interest to create and implement a budget. 
 2. Cut Back on Spending
  At first it may seem difficult to limit spending and stick to a budget, however there are a few practical changes that you can make everyday that will cut your spending more than you expect. 
       Firstly, alter credit car behavior.  Start to pay cash whenever possible. This will help avoid making a purchase unless you actually have the money available. If you decide to make a credit card purchase, be prepared to pay the balance off monthly. This will save a lot of money through avoiding interest charges. If you already have a credit card balance, then transfer to a card with a low interest rate. Also, find a card that does not charge an annual fee. Another tip is to pack your lunch everyday. All of those lunch hours spent at restaurants will add up. Bringing your own lunch can save you a lot every day, which will add up over time. Use your cell phone during off peak hours. Some people spend a lot monthly on phone charges. Avoid this by making most calls during off peak times. Check with your service and plan to find out when you have cheaper or unlimited calls. Stop throwing away the Sunday newspaper before skimming through the advertisements. Clip some of those coupons and check out the sales. This may seem tedious, but the savings are often worth it. Many stores will double or triple the amount of the coupon. This technique can save you money each time you head to the food store. Additionally, refinance.  Mortgage rates have been extremely low over the past year. This has been a great opportunity to reduce the monthly house payment significantly. If you are planning to have your house paid off prior to retirement, then you may want to factor this in before refinancing.  Finally, bundle your insurance.  Many insurance companies will offer their customers lower rates if they purchase multiple policies. For instance, some people use the same agent for multiple cars, and others combine their cars and house. Always keep in mind that a dollar here and there really begins to add up. Avoid the temptation of thinking that changing your spending habits wouldn’t save that much money. 
3. Start Saving!
 So you are loaded down with bills to pay each month and are wondering how you can begin a savings account for emergencies and other high-expense endeavors. In other words, where can you find that extra cash to put away for later? Firstly, when configuring your budge, plan for your savings first. You will grow richer each month if you begin to pay yourself first. Before paying any bills, decide on a set amount that you will pay yourself first—maybe five or ten percent—or whatever you decide—of your paycheck. Then, deposit the amount into a savings account before paying any bills. When you do this at the beginning of the month, your entire paycheck will not suddenly slip through your fingers.  If you wait until the end of the month, there may be nothing left to save. Paying yourself first will give you a systematic way to make your money grow. Regardless of your profession or your income, this system will work if you stick to it. Another technique you may try for saving money is to empty your extra change into a coffee can or a jar each day. At the end of the month, roll the coins and put them into your savings account. You may be able to save 30 or 40 dollars each month just with your spare change. Remember that good money management is more than just a mathematical formula. It’s too closely tied with the ups and downs of living to be just that. Your money management plan is always subject to change if your life situation changes. The object of a good budget is to make your money go the farthest in helping you reach your goals, it is not there to force to you to abide by rules. Don’t get discouraged if the budget plan doesn’t work perfectly right away. It may involve some revising and editing until it fits your needs. Then, make sure to review it often, and be sure it is making the best use of every penny! Because we know how helpful those spare pennies can be!
4. Avoid Spending Pitfalls! 
With all the advantages that are evident from personal budgeting, it is no wonder that more and more people are relying on them to reduce debts and increase their savings. However, all ‘budgeters’ need to be careful to avoid some common pitfalls that appear often. Credit cards may seem like small pieces of plastic, however they can cause a great deal of trouble for the owners. It is common for people to make unwise purchases, which they would have avoided otherwise, because they had the credit card in their wallet. The best solution for many people is simply to get rid of credit cards and begin paying only by cash, check, or debit cards. You may want to keep one card handy for emergencies, but it is probably best to keep it out of reach, and far away from your wallet.
Another problem with budgeting is impatience. There are financial goals set, but people do not have the patience to complete a savings program. For instance, an individual begins setting aside money for a new car; however, after a few months they discover the car of their dreams.  Rather than waiting, they make the purchase. This could pose some serious financial strains.  Discipline is a must to prevent impatience from breaking your budget. Once a person makes a budget, they often fail to adjust it when necessary. A budget is created using a set of expenses and income figures that are liable to change. As these figures do change, it is important that the budget changes to reflect the adjustments. There could be some major deficits if this is not done appropriately and promptly. Of course nobody forgets about Christmas or Hanukkah, however many people do not consider budgeting for holidays when creating a budget. Therefore, adequate funds have not been set aside for presents, food, parties, etc. These items should be factored in and saved for throughout the year. Finally, many people factor in transportation and accommodations for vacations in their budget, however they underestimate money needed for food, entertainment, and spending money. Keep in mind that all the resorts and tourists areas are double or triple what you would normally pay. With a little planning, you’ll be on your way to saving more money than you ever thought possible!
 5. Easy Money-Saving Changes
One of the most obvious and easy ways to save some extra cash is to change some of the way you use products and items in your everyday life.  The key is to make minor changes. For instance, always buy the cheapest hand soap you can find.The quality doesn’t necessarily go up with the price and you can use it in place of ‘bath soap.’ Always use the whole product.  Turn bottles upside down and drain to get the last bit from them. Tear open sugar and flour sacks to get everything; squeeze or cut open tubes to use it all before running out to buy more. You’ll be surprised at how much there really is left! Also, never use more than you need. Just because it says on the box that you need a full cup, doesn’t mean that you really do it need it. Half a measure of laundry detergent and a half teaspoon of dish soap are examples of what are usually enough, rather than what the manufacturer says. To save some cash, you can use some of the things in your house in some unique ways. Instead of spending lots of money on the fancy floor cleaners, try using ammonia. It does a great job, and you can use plain water in between times.  If your furniture needs some polishing, mix equal parts of white vinegar and vegetable oil and rub on the furniture. Buff with a cloth until it shines. For a freezer bag, use empty chip bags and close with masking taps.  Also try a bowl with a lid, such as a margarine tub. If your skin is feeling a little dry, there are several substitutes for expensive lotion. Petroleum jelly rubbed into your hands at night after a warm water soak, mayonnaise (rinse with cold water after), or any other oil based food.
 Just be sure to put it on immediately after your hands have been in water. To save some money on laundry, dissolve a bar of hand soap in water to replace laundry detergent. Add three gallons of hot water, mix thoroughly and add a cup of washing soda. Sure, these are small changes, but added up, they can put some extra change into your pocket throughout the year! Have A Great Day.

The Benefits Of Cold Fusion Hosting

Cold Fusion Hosting is mostly for and about databases.

Cold Fusion, a software suite brought to us by the fine folks at Macromedia, which allows web-interactivity with databases.
With Cold Fusion web hosting, you can now query, update, index, and chart databases from any web browser.

Cold Fusion hosting adds versatility and interactivity to ecommerce sites.

Cold Fusion allows you to publish and then have automatically removed from your site time-sensitive content, such as flight schedules or event calendars.

It adds functionality to creating and managing mailing lists and business reports.

It allows you to offer your visitors printable content and customized menus.

Anytime you see .cfm as the extension on a web page, as opposed to .htm or .asp for example, you know you're dealing with Cold Fusion Markup Language (CFML).

Though cold fusion is built on the Java platform, CFML allows web developers the benefits of Java without its inherent technical complexities.

You need not know Java scripting in order to use cold fusion. CFML is a tag-based language quite similar to HTML and XML which makes it easy for anyone with even the most basic knowledge of web scripting to learn.

Cold Fusion is a server-side language which means that any web pages using CFML are read and interpreted by the Cold Fusion hosting company's server and converted into an HTML page prior to being sent back to the user's browser.

Cold Fusion web hosting can be significantly more expensive than other forms of web hosting, and should therefore only really be considered if its unique set of tools are relevant for your site's intended uses.

Cold Fusion hosting is usually run on Windows operating systems, though you can also find support for Cold Fusion hosting on Linux and Sun servers.

In addition to all the usual factors you must consider when choosing any web host - cost, disk space, bandwidth, uptime, scalability, support - you now also have to consider certain factors specific to cold fusion hosting, including: potential tag restrictions, additional security concerns, whether the cold fusion hosting company provides database support, and which version of Cold Fusion they're using.

One type of tag restriction that is also a security concern is "high risk" tags, such as those that can be used to find and erase selected files from a server.

For some larger businesses, this functionality is crucial to their operation, though potentially detrimental if accessed by the wrong hands, in which case a dedicated server is probably in order.

Fortunately, cold fusion hosting is offered on shared, virtual, and dedicated servers.

Cold Fusion is well worth considering if you'd like the functionality of the Java platform with the facility of a comparatively autonomous and user-friendly software system.

Especially if your website is expected to generate an income, you may find that the intimidating price tag, in the long run, turned out to be a bargain.

Have a nice day.

How To Remember Names, A Short Memory Course !

You just called the TV repair shop and the voice on the other end of the line tells you "this is Ayojide". About 5 minutes later you tell your wife that "this guy" will be out to fix the TV in the morning. You can't think of his name although you know he mentioned it on the phone.
This happens all the time to just about any of us unless we have learned to concentrate and implant the name in our memory right at the time we hear it. To do this you first must make a habit of repeating the name back to the person. This action will remind you to store the name in your "Memory banks" each time you hear someone's name, and, within a matter of a short time the "repeating" process can be discontinued. When you meet someone in person use the same procedure, and in addition, visualize something different, unusual from the ordinary, or "ridiculous" about their appearance, position, or actions that "ties in" with their name. You may have to put the descriptive information on one side of a card or piece of paper and the name on the other side for a while until it is embedded in your memory permanently. Look at it repeatedly, see the "picture" in your mind's eye as you look at the name, or when you see the name visualize the "picture" you have assigned to the name. Getting this system to work will require certain changes in your thinking and it may take several days or several weeks to become proficient. After all, you have developed a "bad Habit" over a period of many years and it is difficult to turn it around overnight. This method also works with anything else work remembering, not just names. When you have occasion to remember something, jot it down and incorporate it into your list . . . No complicated formula . . . Just a system that works with a little concentration. Have a Nice day. Read more on remembering names here.

7 Tips To Instructing And Teaching English As A Second Language

English as the Second Language (ESL) class is about teaching English to those who have other languages as their primary spoken language.

Survey showed that a whole lot of many country population do not speak English as fluent as other may be.

  Aside from that, there are also families whose main primary language at home is not English. 

With these statistics, it would be very important to back these lagging students with some necessary language courses and programs.



Today, high school and primary education already have ESL classes that can be offered with their foreign students. 

If you are teaching ESL, then here are some important tips or suggestions that you could use for your next class:

1.  For them to understand you, you do not have to speak louder.

They are not deaf, they are not just as fluent as you are with English.

Speak slowly, clearly and with distinct sounds. 

2. To correct pronunciations, teach them how each sound is created, the proper position of lips, tongue and teeth for each sound.

It would be better if they would speak slower first so that they would be more understandable.

As they increase their ability, they could increase their speech pace too.

3. Grammar can be very difficult and complex.  Even fluent speakers would have problems or misses with grammar.

You can use numerous methods that would easily help them understand, like reading newspapers, watching ESL programs, role-playing, writing short narrative and actual conversations. 

4. Encourage your students to participate or ask questions or clarify some points that they do not understand.

If you think your students are not confident enough to raise questions in front of the class, you can explore other methods.

Before your class ends, ask them to write points that they do not understand or their questions.

Make these questions the starting point for your next class.

5. To emphasize on a specific point or make sure that students will be taking notice of important parts of the discussion, make them understand that what you are saying should be noted.

6. When learning a new language, being exposed to it as much is possible is important.

It would help in speeding up their language understanding and being articulate.

You can encourage your students to participate in social activities that would allow them to be surrounded with English speakers. 

• Show some energy when teaching.  Move around the room, use different gestures.

Just make sure that your gestures would match the words that you are using.

Do not be afraid to be funny and make fun of yourself once in a while. 

7. Positive reinforcement works with everybody.

Acknowledge their improvements, compliment them with their developments.

If you are teaching a beginner, then it would best to expose your students to different voices speaking the English language.

This would make them exposed to different kinds of accents and recognize English words easily.

There are games that can encourage shy and reluctant students to share their thoughts.

Teaching formal English responses can be boring and dreadful for some students.

You can introduce slang terms and responses that they would normally hear in public places.

This would make your students acquainted with language that they would frequently encounter. 

As a teacher, you would need to adapt to your students level and ability.

Some teachers would have a checklist where they would be able to monitor their students’ development.

This would allow instructors to improve or suit their teaching methods to their students’ interest, ability and capacity.

Learn from your students too.

Allow yourself to learn too.  Student should learn from teachers and teachers learn from their students.

Have A Wonderful Day.

The Importance Of Good Clothing

First impressions are apt to be permanent; it is therefore of importance that they should be favorable.
The dress of an individual is that circumstance from which you first form your opinion of him.
It is even more prominent than manner, It is indeed the only thing which is remarked in a casual encounter, or during the first interview. It, therefore, should be the first care.
While style is to our thoughts, dress is to our persons.
 It may supply the place of more solid  qualities, and without it the most solid are of little avail.
Numbers have owed their elevation to their attention to the toilet. Place, fortune, marriage have all been lost by neglecting it.
Your dress should always be consistent with your age and your natural exterior. That which looks outre, on one man, will be agreeable on another. As success in this respect depends almost entirely upon particular circumstances and personal peculiarities, it is impossible to give general directions of much importance. We can only point out the field for study and research; it belongs to each one's own genius and industry to deduce the results.
However ugly you may be, rest assured that there is some style of habiliment which will make you passable. If, for example, you have a stain upon your cheek which rivals in brilliancy the best Chateau-Margout; or, are afflicted with a nose whose lustre dims the ruby, you may employ such hues of dress, that the eye, instead of being shocked by the strangeness of the defect, will be charmed by the graceful harmony of the colours.
Every one cannot indeed be an Adonis, but it is his own fault if he is an Esop. Almost every defect of face may be concealed by a judicious use and arrangement of hair. Take care, however, that your hair be not of one colour and your whiskers of another; and let your wig be large enough to cover the whole of your red or white hair. It is evident, therefore, that though a man may be ugly, there is no necessity for his being shocking.