Terrence Stoker wrote a new post, Will the National Health Insurance affect you?, on the site Money Think 1 month ago
The South African government is working on rolling out a National Health Insurance (NHI) system. The idea behind it is to solve the discrepancies within the national health care system, to provide equal access […]
Dean Parn wrote a new post, The world’s most expensive cities, on the site All about Finance 1 month ago
If you find yourself travelling widely on business you will naturally notice many variations from destination to destination. Climate, customs and architecture are some of the more obvious distinguishing features that set cities apart, but cost of living can be dramatically different in some parts of the world compared to others. For this you need to be prepared when doing business, and part of that preparation involves furnishing yourself, your staff and colleagues with a reliable travel money card for business trips.
Global consultancy firm Mercer conducts a regular Cost of Living Survey, with the results of the most recent one published in July 2014. Living costs, including for the likes of accommodation rental, were studied for 211 cities across the globe – and the rankings may just surprise you
In Europe, perhaps the most frequent port of call for British businesses, Switzerland is without doubt the most expensive country. The cities of Zurich, Geneva and Bern all feature in the top 10 of Mercer’s rankings – significantly ahead of other continental financial centres such as Paris (27th place), Milan (30th) and Frankfurt (59th). Frankfurt – incidentally – ranks somewhere between fellow German cities Munich and Berlin, with Munich in 55th place and the capital in 68th.
You may be curious as to how your domestic market fares in this list too. Glasgow, Aberdeen and Birmingham, all occupying positions midway in the rankings, are highlighted due to their surge between 2013 and 2014. While Glasgow’s 108th place seems somewhat humble alongside some of its continental peers, it has risen 49 places from 157th in 2013.
The USA is another key business destination and unsurprisingly New York is the highest ranking American city in terms of cost of living. The Big Apple sits in 16th place, with Los Angeles relatively trailing at 62nd place followed by San Francisco at 74, Miami and Honolulu in the nineties, Boston just behind Glasgow in 109th position and Cleveland in 167th place. North of the border Canadian cities have actually slipped in their positions, with Vancouver ranking highest at 96 (a drop of 32 places from its 2013 position) and Toronto, Montreal and Calgary all above the 100 mark.
Where is the world’s most expensive city though? Counting down from 10 and excluding the already mentioned Swiss cities, it is not surprising to find the metropolises of Shanghai and Moscow. Other Asian cities joining Shanghai are Tokyo in 7th place, Singapore in 4th and Hong Kong in 3rd. But the two most expensive cities – according to Mercer’s research – are not Asian powerhouses, European capitals or iconic American cities. N’Djamena, Chad, is in 2nd place while Luanda in Angola takes the top spot. It should be noted however that the survey is based on the costs of expatriate living – therefore the statistics are more representative of goods imported into the host country rather than simply, say, a taxi fare or a bottle of water.
Your business travels may find you in more expensive territories, or indeed going from day to day at a much cheaper rate than at home. Either way, ensure you are receiving the best exchange rate with a Caxton FX currency card.
constantitempurchasingpoweraccounting wrote a new post, What is bitcoin? Get rich quick or exiting new technology?, on the site Capital Maintenance in Units of Constant Purchasing Power™ 1 month ago
What is bitcoin? Get rich quick or exiting new technology?
Bitcoin at USD 8 billion market cap is almost nothing compared to the hundreds of Trillions in fiat transactions. Bitcoin has – as of now (2014) – […]
joys joy wrote a new post, A Brief Insight to the Role of Michael Cingari as CEO of Cross Water Capital Corporation, on the site News 1 month ago
CrossWater Capital Corporation is a financial based business organization whose main business purpose is to provide services in equipment leasing and in real estate finance. The company is situated in Rancho Santa Margarita, in southern California. CrossWater Capital mostly performs its business operations in US and Canadian market. It offers all kinds of financial advice to business sectors irrespective of its size and type. The company usually serves small scale organization to large scale business enterprises such as equipment manufacturers, distributors and value added resellers worldwide.
CrossWater Capital Corporation is headed by Mr. Michael Cingari, who has had a very impressive academic and business career. He completed his Masters in Business Administration (MBA) degree in Finance from University of Connecticut in 1978 and went onto complete his B.S. in Accounting from Bryant University. In personal life, he is very much interested in different types of sports activities like Golf, Skiing, and also Lawn Tennis.
After completing academic qualifications, Mr. Michael Cingari began to work with Pitney Bowes Financial Services (PBFS), a subsidiary company owned by Pitney Bowes, Inc. Michael started his career in the field of leasing, which helped him gain good knowledge and strong foundation in the field. He works at different respected position in Pitney Bowes for nearly 22 years. During 22 years of employment in PBFS, he provided different types of financial solution to many complicated problems in the different areas of business sectors like credit, sales and also other business operations.
He also holds a respectful position as a president in Colonial Pacific Leasing Corporation and acts as a member of Executive Committee of Pitney Bowes Inc. In his professional business career, Mr. Michael Cingari has also been selected as a core member of the Equipment Leasing and Financing Association (ELFA), and also served as a board member of Eastern Association of Equipment Lessors.
For his impressive academic qualification and vast experience in financial sector, many types and sizes of business sectors like small scale or large corporate houses has been benefited. His keen knowledge of understanding the client’s needs and situation is impressive. For his vast experience in financial market as a specialized advisor, his role in opening up all the financial channels in the world of financial market is noticeable.
As a chief executive officer, Mr. Michael Cingari was a part of CrossWater Capital Corporation from the very beginning of its formation, ie, from the year of 2002. From that very first day of its formation as a CEO he has been consistently and efficiently offering various types of financial advice to its client’s. He also works as a financial advisor closely with many multinational banks, Life Insurance Companies, many reputed Financial sectors and also many other leasing companies by giving solutions to all types of financial problems.
So from the above discussion we can say that Mr. Michael Cingari and CrossWater Capital Corporation are closely related to each other. His vast experience has put the company in a respected position in world of financial market.
Jenny wrote a new post, Obtain A Clear Picture On Designing Websites For Small Businesses, on the site Consolidate The Secured Loan And Take Stock Of You 1 month ago
The first impression which clients gather about your company will depend to a large extent on your official website. Your business website should convey the business message clearly and must be easy to navigate. The lower the bounce rate of your business website the better it is. If your website is informative and engaging, you can expect greater number of visitors to stay on in the page. To ensure that visitors keep coming back to your website, there are some factors which you need to consider. The instant when customers hit your official page they should be clear with what business you are in.
Capture attention of the audience
There are two important factors you should deliberateon when designing a business website. They are functionality and impact. When visitors land on your website,they should have a clear picture on how to use it. Keep in mind that desktop users will usually focus on the top and left of a web page. When you place the content on the page, this point should be borne in mind instead of placing the content randomly. As recent trends shift towards mobile technology, your website should be accessible from different platforms in addition to laptops and desktops.
Making use of images
With the right use of images, you can create a strong impact. An image will help visitors to connect with your website and business which is important for long-term sales. The primary imagery which you use for your business website should be both bold and unique. Images can have a strong impact as they connect with the emotional component of the human brain. When you make use of secondary images in blog posts and articles, you can edit the images to suit your requirements so that the overall effect is impressive and engaging. With the right use of high-quality images, you can add value to your website.
Keep SEO in mind
Another aspect which you must look into is search engine optimization. For higher organic traffic, it is essential that your website is search engine optimized. Your business website should work well with the major search engines so that it ranks high on the search engine results pages. Do not forget to incorporate a site map, heading titles and title tags. With an effective web design, you can ensure success of your business website. Your customers will remember you if you have a strong online presence.
Keeping track of progress
A business website acts as an important digital interface between you and your company. Make sure that your web presence is interactive and collaborative as you aim at offering an exceptional customer service. After your website goes live, it is agood idea to make use of analytics to track the progress. With the right brand image and optimization strategies attaining business goals will not be difficult for you. You can take a look at weekly reports to find out how your website is being receivedby your target audience. After visiting our blog, you will get a clear picture on how to design a business website effectively.
Staying ahead of competitors
Do not overlook the importance of content. It should be engaging, shareable and updated. Good content will drive traffic to your site and improve the search ranking. With simple web design, you can go a long way. As you de-clutter your website think about what will encourage visitors to stay on the page, navigate and finally make the purchase. To generate leads make sure that you include call to action in your web design. As you gather important details from your customers, you can thrive in the face of stiff competition.
Author Bio: Visit our blog to know more about designing websites for small business. Frank Thomas is a web designer who highly benefitted after reading the blog.
Nathan Rossiter wrote a new post, Things to Consider when Refinancing your Home, on the site Finance News, Tips & Advice 1 month, 1 week ago
Refinancing your home can seem like a great idea; especially when mortgage rates are low, it can be an opportunity to get a better loan at a cheaper rate. Lots of banks try to encourage people to refinance, […]
Nathan Rossiter wrote a new post, 5 Tips for Working with your Creditors to Resolve your Debt, on the site Finance News, Tips & Advice 1 month, 1 week ago
It’s easy to find yourself in financial trouble, with debts that you simply cannot afford to make the minimum payments for each month. If you don’t deal with them as quickly as possible, you’ll be in a situation where more and more interest and charges are being added to the debt each month. So it’s imperative that you act quickly to start reclaiming control over your finances and bringing your debt down.
Work out How Much you Can Afford to Pay
Before you start calling your creditors to try and resolve your debt, you should be prepared; make sure you know exactly how much you can afford to pay them right now, and how much you can afford to pay them on a monthly basis. You can use a budget calculator to help you work out how much you can afford to pay.Having this information to hand will allow you to make an offer then and there to your creditor, and give them the opportunity to accept or reject. Most creditors will have their own income and expenditure forms for you to complete, so they can get a clear picture of your finances, so make sure you print off a copy of your own budgeting calculations so that you can easily fill in their own income and expenditure forms.
Keep them in the Loop
If you know that you will not be able to make a payment on time, or in the full amount, then call your creditors ahead of the payment date and let them know the situation. They will more than likely be able to move your payment date to a later date, giving you the time you need to make the payment and avoid any late or missed payment charges.
When you’re talking to your creditors about your situation, remain calm and be honest with them. Tell them about the difficulties you’re having and explain what you plan on doing to work out your issues. It will not help you to get angry or overly emotional with the person you’re dealing with. Although it may not seem like it to you at the time, they are there to help you, and they want the debt settled as much as you do.
Negotiate for a Settlement Offer
If you have missed several payments and your credit agreement has been cancelled, you might be able to get a settlement offer, paying just 50-70% of what you owe. Don’t be afraid to negotiate with your creditors for an amount you can afford to pay. The worst that can happen is that they will refuse your settlement offer, and come back with a different offer. If you are able to pay the amount in a lump sum, rather than over a prolonged period, then you’ll have better chances of getting a reduced settlement offer.
Request the Interest to be Frozen
Some creditors will actually freeze the interest on your account if you let them know you are experiencing financial difficulty. This can be very helpful if you’re only in short-term trouble with your finances.
Author Bio: This article was written by Jack Sams; a debt consolidation specialist. He recommends Debt Consolidation to help people struggling with their finances. When Jack is not sharing his years of debt management knowledge, advice, and tips online, you can find him deep-sea fishing somewhere off the coast of Australia.
Sonika wrote a new post, Follow The Steps While Considering The Installation Of Stone Veneer On Chimney, on the site Business blogs 1 month, 1 week ago
Stone veneer can insert hefty and rustic appearing attraction to a full chimney outside, or just the visible fraction of the chimney, which is inside several residential places. Stone veneer either is pieced from big stones, or constructed and molded from other materials like concrete. In fact, the result is the similar natural look as entire stones, but with a portion of the load. As long as the structure under is sound, you can install it over a chimney in an easy and safe manner. But it is important to understand all the important aspects associated with its installation process prior to starting the actual process. Read out below mentioned things:
Preparation of chimney
To bind veneer stone, the exterior must be rid of any type of loose material like vines, dirt and flaking regions of brick. Outsides, examine the chimney for miniature bird or weeds or wasp nests. This is also a reliable time of examining for areas that require proper maintenance. Bridges between the chimney and house siding may require new flashing, surface grade sealant, or both. If you see creosote or loose bricks, it is a time to call for expert repair.
Special indoor concerns
If the indoors of chimney is enveloped with drywall or plaster, but you are interested in installing veneer for making it more professional, there are some things you need to do. Initially is stapling a coating of tar paper or also roofing experienced over the plaster or drywall. Next, it is the turn of wire mesh material known as metal lath that is stapled above the tar paper. Right orientation of the lath is important to the installation. It is constructed with curved sections in the mesh that gather and grab mortar. Installed upside downwards, the lath is unable to do its task. If you run hand above the surface of the lath you will experience a roughness in a single direction. The lath must experience the roughness as you put your hand to the bottom of the wall.
Adhesive or mortar
Stonework mortar conventionally is utilized to install complete stones and also stone veneer. In fact, it is a cement based product and also not comes in a premixed container. It is important to select whether to opt for adhesive or mortar, prior to starting the process of Stone Veneer Installation. Several stone veneer manufacturing companies recommend their home brand adhesive or mortar rather than traditional mortar. In case, if you are making use of their products, it is highly recommended to keep track of their instructions or references.
Techniques of installation
Prior to setting off the initial stone, the exterior requires a healthy layer of mortar applied with the help of a flat trowel. Once you are done with this, horizontal grooves cross side the exterior with the jagged boundary of a trowel. This offers the subsequent coating of mortar something to hold. Allow the mortar set all the might prior to proceeding, unless the mortar manufacturing service provider recommends otherwise. You can take the help of a manufacturer, if you cannot apply the mortar easily and safely.
constantitempurchasingpoweraccounting wrote a new post, Single centralized bitcoin block chain ledger versus hundreds of millions of decentralized fiat ledgers, on the site Capital Maintenance in Units of Constant Purchasing Power™ 1 month, 1 week ago
Single centralized bitcoin block chain ledger versus hundreds of millions of decentralized fiat ledgers
Single centralized bitcoin block chain ledger versus hundreds of millions of decentralized fiat ledgersAll bitcoins exist only in the one, single, unique, completely centralized, public bitcoin block chain ledger. They never leave this one, single, unique, completely centralized, public bitcoin block chain ledger. Bitcoins are moved from one original key owner to another original key owner only inside this one, single, completely centralized, unique, public bitcoin block chain ledger.This aspect of the bitcoin technology – everybody agrees – is completely centralised in the one, single, unique, public bitcoin block chain ledger.
Trillions of fiat monetary units, on the other hand, are debited and credited in any amount from 0,01 cent to hundreds of trillions of Dollars, for example, in any of hundreds of millions of completely decentralized company and other entities´ bank accounts in their hundreds of millions of completely decentralized private and public company ledgers all over the world.
Satoshi Nakamoto could only solve the problem of preventing the double (or more) spending of the same bitcoin (by simply copying it digitally), via the age-old double-entry accounting ledger.
Nicolaas Smith Copyright (c) 2005-2014 Nicolaas J Smith. All rights reserved. No reproduction without permission.
Ivan Dimitrijevic wrote a new post, Humidity Problems in Your Home & How to Solve Them, on the site Business & Lifestyle Blog 1 month, 1 week ago
There is a certain amount of vapor in the air we breathe and we call it humidity. Humidity in our homes is really important because it can affect our health and the interior of our homes as well. Just as with […]
richardo fuse wrote a new post, Event Advertising Tips for Small Companies , on the site Richardo's financial view 1 month, 1 week ago
Well you have finally made it, you have established your first company and you are very excited about telling people about your product or service. While advertising and marketing have generally moved on to […]
roger wrote a new post, Online Shopping Portal for Global Visitors!, on the site search for education 1 month, 1 week ago
Imagine you have a shop, full of visitors coming from all around the world! You are earning in dollars, Euros and Pounds making your shop a hub of daily earnings. But, before calling the dream-off, it is important […]
Jenny wrote a new post, How Effective Graphic Design Helps Your Business, on the site Finance tips 1 month, 1 week ago
A powerful website always helps you to promote your business in an effective manner. Web designers often make use of graphics to enhance the look of a website. Your brand’s identity is the image that you portray […]
constantitempurchasingpoweraccounting wrote a new post, Scotland: If yes wins, then yes for own currency too, on the site Capital Maintenance in Units of Constant Purchasing Power™ 1 month, 1 week ago
Scotland: If yes wins, then yes for own currency too
If Scotland were to leave the UK, then it should have its own currency too.
Scotland should not join the EMU while the latter does not function with a […]
Jonny Pean wrote a new post, Celebrity inheritance pitfalls – what people can learn from Paul Walker and Philip Seymour Hoffman?, on the site News on various finance topics 1 month, 1 week ago
There have been a number of celebrity deaths recently, and it has become apparent that many of these stars did not have their affairs in order when they died. Perhaps it was simply that their death was unexpected? […]
Ryan wrote a new post, 5 Tips for Working with your Creditors to Resolve your Debt, on the site Bloggers Central 1 month, 1 week ago
Ryan wrote a new post, Things to Consider when Refinancing your Home, on the site Bloggers Central 1 month, 1 week ago
Refinancing your home can seem like a great idea; especially when mortgage rates are low, it can be an opportunity to get a better loan at a cheaper rate. Lots of banks try to encourage people to refinance, but it’s not an option that’s right for everybody.
Before you choose to refinance your home and take on a new mortgage, there are a number of things which you should consider:
You Might Incur Penalties
The savings you could make by refinancing your home could easily be eaten up by penalties applied for paying off your loan early. You should check your contract and see what fees are involved if you decide to pay off your loan early. If you will incur a lot of fees, then refinancing your home is probably not going to be a good option for you.
As well as early payment penalties, you might also incur other costs, which can include legal fees, disbursement costs, stamp duty, and the costs of having a new valuation. It’s important to add up all of the costs involved in refinancing your home, and then comparing those to the savings that you will make to see if it’s worth your time to refinance or not.
Choose a Loan Suitable for You
Depending on what your goals are for paying off your home, there will be different types of loan available. For example, if you want to pay your home loan off as soon as possible, and you’re happy to put every extra dollar you have into paying off your loan, then you’ll need to find a loan that will offers an offset account and unlimited extra payments, as well as no fees for paying off early.
Your Current Debt
If you have a lot of creditors or you are planning to make a bug purchase, or apply for more credit in the near future, then you might want to put those on hold until you have completed your refinancing.
Lenders will assess your current financial situation during the refinance application, and if you have too much debt and they don’t think you’ll be able to afford the repayments, then you will not be approved. Even though you were approved for your current loan in the past, don’t assume that you will automatically be approved for a new loan now.
Before refinancing, make sure you are fully aware of all of the costs that will be involved in leaving your current loan, and applying for a new one. Make sure you evaluate your current financial situation to ensure that you can afford to make the new repayments, and that your chances of being approved for a new loan are good. Finally, make sure that you find a loan that is suitable for you! Consider what goals you want to achieve from your loan, and make sure the loan you’re considering makes them possible.
Author Bio: This article was written by Ben Taylor; a debt management specialist. He recommends Crown Money Management to help people struggling with their finances. When Ben is not sharing his years of debt management knowledge, advice, and tips online, you can find him deep-sea fishing somewhere off the coast of Australia.
constantitempurchasingpoweraccounting wrote a new post, The IASB could help Venezuela, but would never do that., on the site Capital Maintenance in Units of Constant Purchasing Power™ 1 month, 1 week ago
The IASB could help Venezuela, but would never do that.
Francisco Rodriguez, an economist at Bank of America Corp., said that defaulting now would be a mistake. Distortions created by the government’s price […]
constantitempurchasingpoweraccounting wrote a new post, What is bitcoin: money or property?, on the site Capital Maintenance in Units of Constant Purchasing Power™ 1 month, 1 week ago
What is bitcoin: money or property?
Every institution in our society/economy operates in terms of its specific laws, regulations and generally accepted concepts.
For example: Judges: They interpret the law. […]
joys joy wrote a new post, Tips to Find Best Business Credit Builder for your Business, on the site News 1 month, 1 week ago
In today’s economic scenario, it is very important to build proper business credit, but how can you check out a company on financial grounds? Shall you ask for its last three years tax returns from the IRS or ask […]
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