A Vet Who Practices Without an Animal Hospital

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Simplify. It's a growing trend in many areas: declutter, trim down, simplify your schedule and your lifestyle. One veterinarian in upstate New York did just that and created a whole new way to practice as a result. In the "house calls only" business for the past eleven years, she has honed her particular brand of veterinary house calls to match her clients and her area, and still "helps out" at one of the local animal hospitals when their vets need a hand.

A "house calls only" veterinary practice presents some unique challenges and special opportunities for pet owners, their pets and of course the vet. Let's check out what this looks like as we explore the pros and cons from all sides.

Tools of the Trade

Her phone, her scheduler / planner, and her car are the most important tools Dr. Barbara MacMullen uses daily. Open up to any given date in the plan book and you'll see an incredibly detailed schedule of what's on for the day: appointments, phone calls, reminders for the next day, and lists of what might be needed at each visit. Being organized is key, she insists. Having everything she needs at every appointment saves her time and saves the client money. And it means that at each appointment, she has the time to relax and focus on the dog, the owner and the interaction between the two, zeroing in on any problem, medical or behavioral.

"I might be anywhere within a three county radius on any given day," she laughs. "I need a car that will get me everywhere I need to go. I see clients in the city of Kingston, but I also have to go way out into the boonies sometimes. I know it's hard for people with a few dogs and long drives to get in to an animal hospital so I feel like I'm really providing an important service. "

Evenings are spent on the phone. Calling back everyone she checked in on during the day, making appointments and trialing animals who may need a more immediate service are daily tasks as well. "Sometimes I talk to an owner three or four times before I ever see a dog," she points out. "A visit with me might take a few days or even longer to get scheduled. Sometimes I can really help over the phone. And I can also get a sense of how much an owner is willing and able to do in terms of home care. If I've got someone ready to go to the pharmacy or health food store and buy some things to try, or maybe give a new diet a try, that might save the owner a $ 50 visit. And yes, lots of times, I am telling people to call their local animal hospital. If you're going to be my client, you need back up for urgent care and emergencies. That's just the way it is. "

Pros and Cons
What are some of the pros and cons of using a vet that doesn't work out of an animal hospital? From a dog's point of view, the benefits can be huge. If the vet comes to your home, then your pup may well be less stressed by the lack of a whole ordeal: no car ride, no weird animal hospital smells, no slippery, cold exam table and no strangers restraining her.

For the dog owner, convenience (especially if you have multiple animals) is a major benefit. The doctor does all the driving! Relatively relaxed and in their own environment, dogs are more likely to exhibit any symptoms without the added stress or agitation from being in the animal hospital. Thus if there are symptoms that need to be monitored, the vet can get a more accurate sense of how severe they are, unaffected by anxiety or stress.

The cons of a house calls only practice involves the nature of the beast: the doctor is out in the field and can't respond to an emergency. Dog owners still need to maintain a relationship with a local animal hospital just for emergencies, which can be tricky. Let's face it, if you wanted a relationship with the local animal hospital you probably wouldn't be courting the house calls vet, right?

Because a house calls only practice has no staff and no hospital overhead, some cost savings can be passed on. Dr. MacMullen is always looking for ways for her clients to promote their dogs' health in the most frugal ways she can find. "If I can help a family save money, then I think I should do that. Why not, as long as it doesn't affect the quality of care?"

Why not, indeed. Quality and convenience, delivered to your door. Check out your local listings and see if you have a house calls practice near you.

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Source by Ron Ayalon

Importance of Valuation Report

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Valuation Report of a property is one of the most important documents while selling your property. The Valuation Report evaluates the particular property. It helps both the buyer and the seller in knowing the value of the property. This document helps in negotiating the price to be paid for the property. If you are getting a loan from a bank in order to purchase the property, you will have to submit the valuation report to the bank. This is required by the bank to ensure that even if the loan amount is left unpaid, the outstanding amount of the loan is covered.

Valuation Report is required during the purchase of the property to ensure whether the purchase price is reasonable. This is also required for the tax purpose. Property owners who own property above a certain value are required to pay their property taxes.

There are a number of factors that determine the value of the property to prepare a valuation report. Some of them are:

Location of the property:

The Value of a property mainly depends upon the locality of the project. Properties located in well developed areas and areas with well developed infrastructure has a great value. Properties located centrally in the city also gets a greater value.

Age of the Property:

The age of the property is also taken into account while preparing a Valuation Report. Generally, newer properties command a higher price when compared to the older ones.

Value of similar Properties in the locality:

When a surveyor accesses the value of a property, they will consider the range of values, past and present, achieved for similar properties in the neighborhood. This serve as an important benchmark in determining the value of a property. The government value of the property and the cost of construction of the property are also some of the important factors in determining the value of the property.

The valuation date should be specified in the Valuation Report. This is very much important because the value of the property mentioned in the valuation report is only valid for a given period of time.

All the assumptions, conditions and restrictions that were taken into account while preparing the report should also be mentioned clearly in the report. It should also specify for which reason the report was generated. This helps the users of the report make necessary adjustments and to take an informed decision. For all the above reasons, Valuation Report of a property is an important document while selling a property.

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Source by Jennita Josiah

Shopping Mall Leasing Strategies for Real Estate Brokers

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The leasing of a shopping mall is a specific strategy relative to the location, the property type, the customer demographic, and the landlord. All factors come together to contribute towards a successful leasing outcome and tenancy mix.

It should be said that a successful leasing strategy will contribute towards the greater the benefit of the property. More customers will be encouraged to visit the property and purchase goods or services. On that basis retail leasing is quite special.

Here are some tips to help you with leasing a retail mall in today’s property market:

  1. Understand the vacancy factors that apply to the precinct or location. An excessive number of vacant tenancies will have an impact on market rentals and incentives. Check out the factors of supply and demand that apply within the region. Look for any new property developments that could have an impact on tenant movement and market rentals.
  2. Understand the types of incentives that can be offered by the landlord to attract tenants. Also understand the requirements of tenants when it comes to incentives in today’s market. Any vacancy that you have available for lease needs to be matched to the prevailing market conditions. That will include the rental types, and the incentives offered. The landlord needs to adjust to the prevailing market conditions. Get some details of comparable rentals and other properties nearby to help the landlord understand the packaging of their vacant tenancy.
  3. It should be said that a lease incentive cost should be recovered through the rental structure over the lease term. In other words, any money that is lost or offset in the incentive availability should be recovered by rental growth and escalation across the lease term. You can do this calculation through an assumption of market rentals and a discount cash flow calculation. The net present value of the deal can be compared across the duration of the lease.
  4. Successful leasing executives usually have a substantial database of retail tenants to contact. Any new leasing opportunity can be offered through the database to targeted tenants, anchor tenants, retail specialists, franchise groups, and other industry professionals. Any vacancy can be directly marketed to these groups through cold calling, direct contact, e-mail marketing, and direct mail.
  5. It is acceptable and normal to market a vacant tenancy through the generic media. That will involve newspaper advertising, and Internet listing. There are costs associated with that marketing activity and the landlord should contribute towards those costs.
  6. Most successful leasing transactions occur through the involvement of the leasing executive and direct marketing to the right people. I go back to the point that the database for each broker or agent is quite important to converting more commissions and listings.

It should be noted that any quality property in a good location will create good inbound enquiries. If you are selective with your property appointments and vacant tenancies, you will create more churn and activity in property leasing.

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Source by John Highman

Mortgage Sales Letter Tips

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A good mortgage sales letter that produces leads from a cold list or generates new business from your old client list is worth 1000 times it’s weight in gold.

Lets say you have a list of 50 clients and 50 leads that you haven’t converted. If you send one letter at a cost of just .42, and $100 for printing. That’s just $142 in total costs for a basic mortgage sales letter.

One new loan can generate several thousand dollars in commission. If you get just one new loan from a mortgage sales letter, you are going to be profitable (assuming you aren’t mailing to an enormous list).

As a result, it’s important to create an effective mortgage sales letter to maximize your lead generation efforts.

The key is to write an effective mortgage sales letter that people read and respond to. Most mortgage brokers don’t know the power of effective writing and rely upon hype and trickery in their letters.

The good news is you don’t need to hype up your letter, and you don’t need to rely on tricks like the old ‚fake looking check in the window‘ letter (by the way, this does work, but only if you do it without fooling the recipient).

If you want leads and referrals here are the three most important parts of a successful mortgage sales letter that will help you boost response rates and build your book of business:

1. A Compelling Headline. Almost every mortgage sales letter must have a headline. Why? I’ll let the late great David Ogilvy explain it to you:

„On the average, five times as many people read the headline as read the body copy. When you have written your headline, you have spent eighty cents out of your dollar.“ -David Ogilvy

The job of a headline is to get people interested and excited about what you have to say. For example, a poor headline might say, „Introducing Your Local Home Loan Specialist!“

A better headline would be, „Susan Johnson Saved $498.95 Per Month On Her Mortgage Payment — Here‘ How You Can Save This Much or More!“

That headline needs a little work, but it’s light years ahead of the average mortgage brokers marketing letter.

2. Stories Sell. Nothing gets people more involved and motivated to take action than a good story. Instead of cramming a pitch about your products and services down your prospects throat (which puts them into the defensive mindset), tell them a story about a client who saved money instantly. And as a result of saving this money she could pay for child care or get a mini van, or go on a vacation that she has been putting off for a few years.

They key is to write a story that fits into the mindset of your audience. If you are targeting subprime mortgages, tell a story about how a down and out client with no hope. How he brought his family out of a rental in a bad part of town to owning a nice home in a wonderful school district.

3. Call To Action. The next important area of an effective mortgage sales letter is the call to action. You want your prospect to take action and call you or fill out a return reply card.

For example, a weak call to action would be, „Call me at 555-555-5555 between the hours of 8am and 4pm Monday through Friday.“

A stronger call to action would be, „For a free no obligation consultation to see how much you can save on your mortgage payment call me now: 555-555-5555. We can schedule a time to meet and discus your financial situation, or do it on the phone. You can reach me at 555-555-5555 anytime during normal business hours. Or, you can call my toll-free 24-hour voicemail at 1-800-555-5555 and leave your contact information and I’ll send you more information.“

In addition to a headline, a story, and a strong call to action, your mortgage sales letter should include a Post Script (PS), and testimonials. Studies show that up to 80% of your readers will read the PS first. This is where you restate your benefit in a conversational way. Testimonials are very effective in establish credibility, and they reinforce your claims.

If you follow these simple guidelines to a more effective mortgage sales letter, you will generate more qualified leads and referrals.

Sit down and write a mortgage sales letter tonight instead of watching Fringe or Dancing With The Stars. Send it to your current clients, and old leads. You have nothing to lose and everything to gain.

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Source by Tyler Powers

When is the Best Time to Buy RVs and the Worst Time to Buy an RV?

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The best time to buy an RV from a dealer and an owner is during the off season. Private owners know that they are going to have to winterize it and store it. Rather than the hassle of winterizing and dewinterizing it, and having to pay to store the RV or trailer in the off-season, they may just try to sell it quickly for whatever they can get for it.

Dealers know that they will do a lot better if they can increase their cashflow in their off season and unload some of their excess inventory. Reducing his inventory allows him to trim his interest expense for the next 5 to 6 months.

The absolute best time to buy an RV from a dealer is about two weeks after it gets cold and their buyer traffic has greatly slowed down. On the 1st day of snow, you could go into a large dealership and be the only one their. Another get time to buy from a dealer may be at an RV show or during a dealer lot promotion. RV sales people are geared to sell as much as they can and you may just walk away with a steal.

The worst time to buy a new or a used RV is right before you are ready to leave on an RV trip. You are more anxious to buy then they are to sell. If you tell them that you are planning on going to Disneyland next week and you need it for the trip, they may decide the you are an over anxious buyer and try to get as much as they can for the sale. It’s usually better not to say anything so as to not sound anxious.

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Source by Spencer Arnold

Well Pump Repair: Common Water Pump Problems

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If you've owned a home, chances are you've experienced problems with water pressure. Whether it's a complete loss of flow pressure, or intermittent and inconsistent flow, water pressure trouble always seems to come at the most inconvenient time. Some homeowners water pressure problems may be persistent, such as constantly low water pressure, while others may experience an occasional but sudden lack of water pressure. While it's always best to have a professional water well contractor make repairs, it's good to know as much about your home's well water system as possible so that you can make the most informed decision possible when it comes to well pump repair.

Bad or No Well Water Pressure

Water wells are complicated machines, as are the pumps that pull the water from the well into your home. As with any complex mechanical system, a single problem can have more and more causes as the system increases in intricacy. (Anyone who has owned a car or a computer knows this truth well.) When it comes to low water pressure, the problem can range from problems with the pressure tank, worn pumps, clogged pipes and pumps, and even clogged filters and purification systems . The problem may be mechanical or electrical, or may be caused by the water your specific well is drawing from (for example, water with higher iron concentrations may contribute to clogged pipes which can affect water pressure). If the problems with your water pressure are a result of these or many other causes, a professional water well repair team should be able to diagnose and correct the problem, restoring your water pressure to its normal level. It should be noted that regular water well maintenance checks may catch many of these problems early, before they begin to have such noticeable and bothersome effects.

Another possible cause for diminishing or non-existent water pressure may have nothing to do with faulty or damaged equipment. Instead, it may be possible that the water reserves from which your well is drawing may in fact be running low. While this is not the most likely explanation, a professional well drilling and repair company will be able to determine if the water table is in fact running low and, if so, make adjustments to return the pressure to its normal level.

Intermittent Pump Cycling, or Short Cycling

Though some homeowners may imagine that the pump activates every time they turn on a tap – and then closes each time they shut it off – this is in fact not the case. Instead, the water well pump fills up a storage tank fitted with an air bladder. The pump fills the tank until it reaches a pre-set pressure, then shuts off. As you use water, the tank drains and the pressure decreases. Once the pressure reaches the low pre-set pressure, the pump turns on once again to refill the tank.

If everything is working as it should, a homeowner will notice the pump kicking on every so often, remaining active for a short period of time, then turning off until the next time it is needed. However, some pumps may begin to cycle intermittently, a process that is called "short cycling." Like low water pressure, short cycling can have many causes. If your water tank is leaking water, the tank may fill to its proper pressure, but because water is constantly flowing from the tank, the pressure drops rapidly and the pump turns on again a short time later. (You might also have other problems if you have a leaky water tank in your house!) Other causes may be a defective air bladder in the water tank, or damaged water pressure control switches, which measure the water pressure in the tank and tell the pump when to turn on and off.

Whatever the case may be, a professional water well repair team can diagnose the problem and come up with a plan to solve the short cycling problems.

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Source by Marjorie Steele

Final Expense Agent Jobs Are Lucrative and It's An Easy Profession to Learn

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Final expense agent jobs are flourishing currently, which means that those looking for employment should seriously consider this field. These jobs are a great way to make a good income – as are most insurance jobs – whilst also providing an environment where you can meet various people all through the day. There are various places online where you can learn about the ins and outs of the role and how to sell final expense insurance.

The basic requirements to start up in a final expense sales job are minimal – yet another reason why this career is so enticing to many. All that is needed is a license to operate in the state you live in, some knowledge on the industry and some companies on the books who offer great rates. Finally, a little presentation that you can make to clients always goes a long way to securing their signature.

When it comes to a final expense sales job, the visiting of the potential customer is key, as this is the time you get to sell your product. Some small talk plus a bit of sales banter is essential, and should it be done correctly there is every chance of making up to $ 500 on every deal. Just imagine the amount of money if you did this three times daily.

My first foray in to this industry was when I replied to an advertisement for final expense agents wanted, which landed me a job as life agent in final expense insurance co – something I was excited about at the time. It quickly became apparent however that the company was not well regarded and as such they were unable to fulfill my needs – both financially and developmentally. I soon left and forgot about working insurance altogether for a long while.

It was not until I saw an article on how to sell final expense insurance online a few years later that my interest in the field peaked again. The article in question totally changed my outlook on the industry and gave me the confidence to know I could easily sell insurance to seniors if I could get an audience with them. This would allow me to finally fulfill my potential and make the money I had always wanted to.

The article affected me so much that I got back in to the business straight away, and almost immediately I was visiting one of my first customers. After an excellent meeting I walked away with his signature on a contract and the added bonus of $ 1300 in commission. When it is considered that I also got deals with my next two clients as well, my commission that day came to $ 2100 in total – more than I used to make in two weeks previously.

Since this great start I haven't looked back since. The money I am earning is beyond my wildest dreams and I would certainly encourage everyone to take a look in to this kind of work. After all, there aren't many jobs out there that give you both the freedom of being your own boss and the real chance of earning $ 20,000 a month.

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Source by Jody Haworth

How to Sell Your Autographed Celebrity Photos

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Most owners of autographed celebrity photos would never dare of thinking parting ways with them. They look at autographed celebrity photos as a crowning achievement to their collections. However, there may come a time in a collector's life where they will be forced to part ways with their autographed celebrity photos due to financial issues, or because they lose their passion for collecting.

Whatever the case may be, if you have decided to part ways with your autographed celebrity photos, there are some important steps you should take in order to sell them.

To begin with you should first get your autographed celebrity photos authenticated. There are many services that you can use to do this. Even if you know that the autographs on your photos are legitimate, the individuals that you will be selling to will always have their doubts. Therefore you should contact a business that specializes in authenticating autographed celebrity photos. However, in doing this you will have to pay for the service.

Now, when you are choosing a authentication service be sure to contact one that has a good reputation. Most buyers will do their homework and will ask you where you got your autographed celebrity photo authenticated. They will then contact the Better Business Bureau to make sure that the company you dealt with has a good reputation and that they have not had any fraudulent dealings.

Once you have had your autographed celebrity photos authenticated you will receive what is called a certificate of authentication. This will be your proof that the autograph on your celebrity photograph is authentic.

The next step you should take is determining the value of your autographed celebrity photos. To do this you will need to have your photos appraised. Once again you will be paying for this service. However, an appraiser can tell you the exact worth of your photos. You should always ask to have this number written down so that you can present it along with your certificate of authentication to any potential buyers.

There is a plus side to spending money to get your autographed celebrity photos appraised and authenticated. You can usually pass the cost over to your buyer. You can present them with the receipts for what you have paid out along with the cost of the photo. As in most cases they would have spent this money on their own to assure that the photo is legitimate. Many sellers will do this and even tell the buyer that they also have 30 days to return the photo in the same condition if they find that photo and autograph are not authentic.

From here you are ready to sell your autographed celebrity photo. Contact celebrity memorabilia auctions or stores and present them with your photos to see if they are interested. You can also list your photos on the Internet on celebrity related websites and personal auction websites such as E-bay. You can even run ads in collector magazines and allow the buyers to come to you.

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Source by Victor Epand

The Impacts and Effects of Specified Laws and Regulations on a Given Firm

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Every country has its own regulations, laws and regulatory bodies or agencies governing the manufacturing, sales, marketing and distribution of products within the country. Laws and regulations are purposely made for human beings and other institutions as a guide to bring order and sanity into the society. Because of this, it is likely that their application will impact upon the plans of firms; their effects on a given firm are also inevitable.

An attempt would be made to discuss specified regulations and laws with particular reference to aviation and airline, environmental regulations, stock market regulations, banking regulations, research (and development) co-operation regulations, stock options regulations, labor regulations, intellectual property and social security regulations industry by industry and effects on the plans of firms where necessary.

For example, the Airport High Density Rule (HDR) in the aviation industry was considered as controversial. This rule requires that no more than 155 flights take off and land at O'Hare Airport and at three other major airports in the country between 6.45am and 9.15pmThat restriction was expected to keep number of airline operations at O'Hare during that timeframe and also to keep the amount of noise generated by aircraft. When this failed, a law was proposed to abolish the rule.

On the tobacco industry, for example, the Food and Drug Administration (FDA), an agency of the US government published a rule on tobacco in the federal register to regulate the sale and distribution of cigarettes and smokeless tobacco to children and adolescents based on the health consequences of tobacco use. The rule specifies that anyone younger than 18years of age should not be sold cigarette and smokeless tobacco. The rule further requires manufacturers, distributors, and retailers to comply with certain conditions regarding the sale, distribution and promotion of tobacco products. Thus, vending machines and self-service displays were banned; billboards within 1,000feet of schools and playgrounds were also prohibited. This might have adversely affected firms who engage in such businesses.

In financial terms, however, the rule is expected to produce significant health-related benefits, ranging between $ 28 billion to $ 43 billion each year based on the premise that many adolescents would not start smoking because of the rule; with the FDA estimating that the rule will impose one-time costs of around $ 187 million.

With firms of all sizes, access to capital is of great importance especially when it comes to start-ups.Laws and regulations may affect the amount of investment available either from foreign or local investors or financial institutions. The most important regulations on capital are usually set by governments. These rules or regulations mainly affect the development of venture capital even though they are meant to guard against defaults. In the UK for example, the introduction of the business angel networks by the government to co-ordinate the flow of SME investment capital is proving successful-a positive effect. Also due to lack of access to pension fund capital in the European Union there is a limited institutional investment. In the case of the United States, most capital venture firms prefer to make investments larger than $ 3 million, while most entrepreneurs are unable to obtain more than $ 250 000 from own source and close relations.

The impact of regulations on plans of firms especially those who are technology-based limits the venture capital funding for these firms and affect what they can or intend to do and eventually limiting their capabilities to employ new hands affecting the socio-economic fiber of the society. For example, some government regulations even specifies the type of investors eligible to fund venture capital because of the high risks for certain classes of investors.

In some countries, most firms' source of financing is through the stock markets. In the UK for example apart from the London Stock Exchange, there is Alternative Investment market (AIM); purposely established to assist SMEs. Quite often, the rules on the registration, listing and IPO in terms of size, age, profit and management set up are too costly and unnecessarily complicated for small and start-ups. This is known to hamper access to finance for most firms and invariably making it impossible for certain firms to pursue their plans and invariably their growth needs. Ghana Sugar Estate is an epitome of firms which are denied needed funding as a result of controversial restrictions on listing to the Ghana Stock Exchange. The effects of this is seen in the overgrown plantations of the newly formed sugarcane company in the Eastern Region of Ghana, loss of about £ 2,000 a day in revenue to the company and loss of jobs, and raw materials for most industries which depend on processed sugarcane for their work. The impact on the firms planning process is that funds will not be available to pay and maintain most of its qualified personnel.

With technology-based firms like which need constant innovations, source of financing is key to their planning and so any regulations or laws meant to provide adequate source (s) of finance is welcomed.

The NYSE has come under intense scrutiny to reform as there had been spates of irregularities in the exchange in terms of trading practices. Up till 2001, stocks traded in fractions of eighths and sixteenths ie 12.5 cents and 6.25cents respectively enabling a specialist buying a stock to sell to make at least 12.5cents.That has narrowed to a mere penny. This is as a result of decimalization; a rule set up to change trading from fractions to decimals. Decimalisation reduces spread. The largest specialist firm LaBranche & Co., has been affected with a reduction of its market capitalization being halved to $ 474million in the past year. The effect of this regulation on LaBranche's plans could be felt in its budget as funds might not be available. It will also have effect on its investors.

Notwithstanding this, the impact of this decimalization rule is felt on NYSE which in the long term can tear the Exchange apart affecting the very people the rule seeks to eliminate that is the brokers and specialists on the floor. The effect on NYSE's plan is to start perform its 1.4b shares daily electronically. It is believed that if NYSE does not match its rivals like NASDAQ on automatic trading, investors can take their trades elsewhere and that means a lost of huge annual fees in revenue to NYSE and possibly lost of jobs.

Until recently when it was announced on the TV a proposed credit regulation to improve transparency, the credit or loans market has been shrouded with secrecy that most firms were paying too much interest which affects their operations. Even though to the large firms the unavailability of the transparent credit regulation seem to benefit them ie their profit, on the whole it costs the SMEs to the extent that the US government has introduced new types of regulations that requires banks to report their lending to SMEs which are ranked and publicized by the government as a guide for potential lenders. In addition, in the United States, reforms to reduce paperwork, speed up loan approval and reduce costs have led a number of commercial banks to create new departments specializing in the origination and sale of small business advice and other guaranteed loans. At the moment some 60% of SMEs now rely on some form of bank credit.

In Ghana, the government has put in place certain regulations which are believed to be in favor of small firms like First Allied Loans and Savings Bank. This company posted a profit before tax of about $ 2m, a lot of money for a new bank. The impact on the plans of this firm is the recruitment of the best human resources in the industry culminating in a position to compete favourably with old and big banks in the Ghanaian banking industry.

However, after deregulation in Britain, competition between banks and stock markets and among banks rose with loan increases to SMEs.Nationwide Building Society was one of such banks to benefit from deregulation. It can now compete favourably with other high street banks. Nationwide is creating more employment as a result of the deregulation law. The impact on the firm is that profit has increased and its members are satisfied and thus growth is imminent.

In a world nowadays with improved, challenging and competitive immense technology innovation and know-how, new businesses spring up in this sector as a result of its dynamism. It is also another sector that has a strong interest in research and development in co-operation. These technology-based firms or enterprises, however, are incapable to engage themselves for in-house research activities. To this end, therefore, there are as well numerous regulations most popularly the antitrust law. Known also as the Sherman Act, this is meant to prevent monopoly. Microsoft was accused of using its position in the software market to maintain its monopoly in operating systems. It was also accused also accused of using its operating system monopoly power to dominate the browser market and that Microsoft bundled its browser into its operating system to try to force Netscape out of the browser market. By antitrust standards, a judge gave an extraordinary ruling describing Microsoft's dominance of the PC operating system market as "applications barrier to entry" and by that Microsoft held its prices substantially above the competitive level. The effects of this law on the plans of Microsoft is that consumers will now have more choice and so Microsoft will have to come out with more innovations to attract more customers and maintain its position in the industry now that there seem to become a competitive market place where all kinds of innovation can thrive. Regulators now appear more powerful and Microsoft will have to reconsider other related laws when planning. The impact on Microsoft's plans in the long run will in my opinion be positive bringing about more improvements in the PC operating market.

Another area with regulations of concern is intellectual property laws or intellectual property rights (IPR). The reader's digest word power dictionary defines intellectual property law or rights (IPR) as '' an intangible property that is the result of creativity, eg patents or copyrights . "Just as research findings are commercially traded by the owners or universities, patents and copyrights are also traded. Although, the filing of patents is generally known to be inefficient, slow and costly with the system usually in favor of larger firms, its absence could have brought about chaos in industry. For example a French court ruled against internet search powerhouse Google Inc.in an IPR case for linking a trade marked search terms and ordered Google to stop. The impact on Google is yet to become significant but it is obvious that it immediately sent a message to them to review their plans on their IPO which will in effect affect their business plans leading indirectly to a fall in profit as a result of the effect of the restriction on the search services they provide.

It is widely accepted amongst academics and executives in the business world that, the main assets of most firms is their personnel in other word their human resources. There are a number of employee-related regulations and laws in terms of labor, on recruitment and hiring of workers; social security with regard to retirements, pensions and health benefits; and the newly introduced stock options to compensate employee.

The costs and benefits of such regulations are enormous considering the fact that employee-related issues are somewhat at the fabric of the organization. In many countries the regulations ranging from fee-charging recruitment services, working hours to social benefits limit the freedom of business executives and entrepreneurs to operate usually in terms of hiring and retaining qualified workers. Some regulations on labor also restrict the recruitment and dismissal of personnel, payment of overtime and use of part-time and temporary workers. Coyne (1998) writes that the European Union Directive on the Organization of Working Time which establishes a maximum 48-hour working week including overtime is considered by smaller firms to be interpreted in an inflexible way through restricting their ability to make best use of their labor resources. These really affect the firms because they are unable to recruit the best of personnel they might be looking for which could indirectly affect its operation (plans) as most banks choose to deal with firms with most well-qualified personnel. However, to those on the other end of the spectrum, the limitation on the maximum hour regulation is of great benefit and has had positive impact on the plans of the firm. London United Busways Ltd. for instance has recently recorded its lowest accident rates as a result of the ceiling of EU maximum driving hours a day (and week as well) thereby preventing tired but money-seeking drivers from driving. The company can now rely on the services of recruiting agencies to cover for the extra hours. The long-term benefit to LUB is that it can employ a few workers, give them overtime to cover the needed hours and save some costs on pensions and sick pay to workers. The impact on the plans of LUB is that customers' confidence in the company will increase and enhances its corporate social responsibility stance.

It must be emphasized here that, the introduction of stock options, which are a new and valuable approach to compensate employees, are prohibitive, excessively regulated or heavily taxed in a number of OECD countries.However, as a result of securities rules governing it, the issuance of stock incentives and fiscal rules for their taxation makes it popular with most US small or start-up firms. It is widely used by firms like Yahoo and Google in the early stages to recruit and or keep employees in the company. Even though research into this area is ongoing, it is claimed that they have helped in the high growth of the IT and software sector at the Silicon Valley with particular reference to Google which has managed to keep its best human resources over the years, the impact on the firm is even on the brand image and attributes that it has acquired for itself giving it a competitive advantage over the likes in the IT sector and also generating employment for a lot of new ambitious graduates.

Certainly health insurance market is another area which is of great concern to most governments as a result of sandals and fraud.Recent studies into health insurance regulations have concluded that state regulation of insurance issue, renewal and rating in general either reduces health insurance coverage or, on net, has no impact on coverage. Some of these regulations, however, presume that regulations may change the risk distribution of the insured population, raising coverage among high-risk groups and individuals but lowering coverage among low-risk groups and individuals, with no significant impact on overall coverage. The studies also assumed that insurance markets are competitive, and therefore, that higher price is an inevitable effect of regulation. Smaller insurers with increasing returns to scale may respond differently to regulation than larger insurers with relatively constant returns to scale.

The effects and impacts of laws and regulations on the plans of businesses cannot be overemphasized as the above indicate. Recent insurance scandal in Britain's oldest insurance company, Equitable, nearly caused its demise. Equitable's crisis is alleged to have started as a result of loopholes in regulation governing British insurance industry when it emerged that it did not have sufficient funds to honor guaranteed annuity policies to a large group of policyholders. The immediate impact on the Equitable insurance was that a court ruled that it closes all new businesses meaning a fall in services leading to huge debts and also lost of trust and market position to the insurance community and public as a whole which will inevitably force the mutual company to change its business plans and operations.

Throwing more light on this article, a brief look of recent stories and reports might be appropriate.

An Oxfam report in Metro of February 9, 2004 edition, reports that some companies particularly Tesco, Taco Bell and Wal-mart were accused of exploiting workers especially women in the name of lower production costs with unpaid overtime, low wages and unhealthy conditions as a result of lack of regulations.

In the UK, the recent spate of financial scandals leading to loss of pensions for retired workers has prompted the government to put forward a bill in parliament to avoid future loss of pension funds to retired workers.

Another story filed by Georgina Littlejohn in Metro of February, 23, 2004, alleges that UK's crumbling infrastructure is holding back British businesses. It is claimed that new Government measures announced in July 2004 to help boost transport efficiency in the road and rail sectors have failed to be an effective solution resulting in loss of "man-hours" with 37% saying that lost time has a significant impact on their businesses. This costs the UK firms at least 15 billion pounds each year with each firm losing an average of 27,000 pounds.

This is a pointer to the fact that regulations could also be costly to businesses and firms and can negatively or otherwise affect their business plans in the long run.

Nevertheless, it is important to say here that the empirical results presented here, rest on few observations of laws and regulations and it is suggested that further studies must be conducted to confirm these findings and opinions.

As the interests of business do not always coincide with the broader interests of society, governments might still have to intervene with laws and regulations to achieve goals other than profits.

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Source by John Whonderr-Arthur, Ph.D.

Insurance Agents Name Choices – Insurance Specialist, Financial Planner, or Life Advisor?

Immobilie bewerten, Immobilie Wert, Immobilienrechner, Verkaufsrechner, Immobilienwertermittlung Tel: 06227-399170 Handy: 0176-2116-9990 eMail: info@heidelbergerwohnen.de Internet: www.heidelbergerwohnen.de

Are you one of the plain insurance agents? Agents often prefer to upgrade their title as an insurance specialist or financial advisor on their business card. Names like life advisor reflect positive experience and knowledge. Which of these different terms distinguishes you from being just one of the insurance agents? Here are 101 top choices to pick from.

There is a lot more to a name then may realize. Calling yourself an agent or sales agent makes you sound run of the mill. It also projects the sound of a salesman trying to sell you something. Few people enjoy feeling a person is selling them anything, it stinks of pressure. This is why in this list of different terms you will see how high words like specialist, expert, and professional rank. The prospect gets a completely new perspective, just by the title you give yourself! Prospects closely take notice when an agent jointly works with them in reaching a decision on what is the best plan of action. Prospective clients want to feel like they are part of the decision process.

Important internet search tip: to get an accurate count use quote marks around your term, „insurance specialist“ will only give you that term in that exact order. Without the quotes you would also get all instances of people searching terms such as specialist insurance, specialist in writing insurance claims, specialist in automobile insurance sales, etc.

To give this article value, in front of each of the insurance agents distinctions is the number of current Google listings. This way you can easily see how often internet views „insurance agent “ look-up terms like specialist, planner, representative, and. advisor. Please remember the Google count figures often change daily.

1. 10,600,000 = financial advisor

2. 6,690,000 = insurance agent

3. 4,280,000 = financial planner

4. 2,120,000 = investment advisor

5. 1,780,000 = insurance agents brokers

6. 1,600,000 = investment adviser

7. 999,000 = insurance guide

8. 735,000 = insurance specialist

9. 638,000 = financial expert

10. 604,000 = financial professional

11. 590,000 = financial specialist

12. 513,000 = life pro

13. 433,000 = insurance professional

14. 431,000 = health insurance agent

15. 322,000 = insurance expert

16. 271,500 = insurance salesman

17. 269,000 = life professional

18. 268,000 = life insurance agent

19. 253,000 = insurance consultant

20. 252,000 = insurance advisor

21. 244,000 = insurance sales representative

22. 219,000 = insurance manager

23. 218,000 = estate advisor

24. 217,000 = insurance executive

25. 189,000 = estate planner

26. 186,000 = independent insurance sale

27. 179,000 = insurance sales agent

28. 155,000 = insurance seller

29. 130,000 = insurance producer

30. 126,000 = investment representative

29. 120,000 = insurance authority

30. 119,000 = insurance representative

31. 112,000 = life agent

32. 107,000 = life insurance specialist

32. 104,000 = life specialist

33. 102,000 = insurance adviser

34. 89,900 = insurance sales manager

35. 86,200 = licensed insurance agent

36. 85,200 = insurance manager

37. 71,000 = health agent

38. 66,600 = insurance pro

39. 65,100 = insurance sales rep

40. 60,000 = insurance designer

41. 59,400 = insurance sales person

42. 55,600 = life consultant

43. 54,500 = group agent

44. 52,200 = ins agent

45. 50,100 = estate adviser

46. 50,000 = insurance pros

47. 46,800 = insurance counselor

48. 43,800 = financial pro

49. 43,400 = insurance salesperson

50. 40,200 = insurance sales specialist

51. 37,700 = life producer

52. 37,000 = insurance sales executive

53. 35,400 = independent insurance brokers

54. 34,700 = long term care professional

55. 34,500 = financial planning advisor

56. 33,900 = medical insurance specialist

57. 31,300 = health insurance professional

58. 29,300 = life insurance expert

59. 29,000 = insurance rep

60. 28,900 = financial planning advisor

61. 27,500 = health insurance specialist

62. 26,000 = health insurance advisor

63. 25,500 = independent insurance professional

64. 24,700 = employee benefits specialist

65. 24,000 = life advisor

66. 22,900 = life insurance advisor

67. 21,800 = life insurance sales specialist

68. 19,900 = life insurance professional

69. 19,300 = insurance producer

70. 19,200 = licensed financial planner

71. 16,200 = health insurance producer

72. 14,900 = insurance sales consultant

73. 14,000 = term life insurance broker

74. 12,800 = long term care specialist

75. 12,700 = annuity specialist

76. 12,500 = estate planning specialist

77. 12,200 = insurance marketer

78. 11,950 = life insurance representative

79. 11,900 = insurance planner

80. 10,600 = insurance sales professional

81. 10,400 = life insurance advisor

82. 10,200 = insurance writer

83. 9,650 = insurance recruiter

84. 9,480 = financial planning advisor

85. 9,030 = estate planning advisor

86. 8,570 = annuity broker

87. 7,520 = insurance general manager

88. 7,070 = insurance trainee

89. 6,800 = long term care insurance specialist

90. 6,670 = term life insurance agent

91. 6,440 = long term care insurance agent

92. 5,870 = licensed life agent

93. 5,300 = financial insurance agent

94. 5,270 = annuity agent

95. 5,080 = ins professional

96. 5,030 = medical insurance professional

97. 5,010 = disability insurance agent

98. 4,990 = employee benefits professional

99. 4,430 = mortgage insurance agent

100. 4,200 = disability insurance specialist

101. 3,900 = long term care agent

For your own sake, never tell prospective clients that you are one of 1,500,000 insurance agents licensed to sell life, health, annuities, and financial policies. The term insurance specialist or insurance professional immediately makes your prospect more confident of your abilities. However, please do not use the overused and abused terms of financial planner or estate planner unless you actually are qualified to be one.

If case, you are interested, here are more titles with over 1,000 Google entry occurrences that did not make the top 101 list. They include group health professional, ins specialist, insurance marketing representative, health insurance adviser, ins representative, term life insurance specialist, mortgage life insurance agent, insurance marketing specialist, disability insurance broker, life ins agent, term life agent, senior market specialist, life investment adviser, MDRT insurance agent, and insurance saleswoman.

Should you want to get more attention on major search engines like Google, Yahoo, and Ask, here are some tips. On the front of your website entry page, use the title and first line to put a more descriptive term about the services you provide. Rather than announcing „insurance agent for many products“, try this, „medical insurance professional and disability insurance specialist.“ Both these titles only have about 5,000 competing entries, which could include 3,500 to 4,000 weak ones each. Now it depends on following the advice given, and internet search engine skills you possess. An internet searcher might now find you in the top 100 listings for each of the terms! On an „insurance agent“ search, with well over 6,000,000 listings, it might take a 24/7 week to find you listed toward the end of the heap.

Immobilienmakler Heidelberg

Makler Heidelberg


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Source by Donald Yerke