How To Motivate People Without Money

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By: Steve Penny 

There are 7 Non-Monetary Rewards that studies have consistently found motivate people the most. These motivating principles don't cost money because they are based upon questions communication techniques and that speak to people's most closely held core values.

People are Motivated When They're:

1. Treated with Respect

2. Told What They're Doing Right - Demotivated Hearing Mainly Negatives

People are Motivated When:

3. There's Clear Communication of Goals

4. They Feel Their Ideas are Listened to Fairly

5. The Person Closest to the Job is Given as Much Independence as Possible to Solve Problems Their Own Way

Intelligent People are Motivated by:

6. Learning New Things

7. Pride in Feeling They're Part of Something Bigger than Themselves

Once certain basic economic needs are met - most people value personal satisfaction over money.

Does this ring true with you? And do you feel acute frustration in the workplace when there's a lack of sufficient focus on these crucial motivators?

So much lost potential in any organization results from the lack of people having the language to express criticism and feedback without hurting morale. What is key is recognizing and having the language to deal with situations that cross the line from appropriate control - which every business must have - to inappropriately controlling behavior that leaves people feeling disrespected.

That feeling like "I signed on here to do a job - not work out this guy's unresolved control issues with his father!"

Everyone at some point has worked for someone who felt like they ate you up emotionally - cannibalized your self esteem, your happiness to feed their own lack of it. True motivation - motivation that's intrinsic and self-starting - is like love, creativity or any of the most powerful emotions. It is of the human spirit and cannot be compelled. The most you can do is create the circumstances in which it can surface.

Ask yourself the following question.

Why do you think most people's motivation is highest the first day of a new job?

High expectations? Wanting to make a good impression? Knowing they are wanted? Challenge of wanting to learn new things? Stress from coping with the negatives hasn't set in yet? The demotivators haven't begun to take their toll?

Now ask yourself in your current working environment:

What are the three biggest demotivators you feel you're facing in your worklife today?

Most people problems are communication problems. This is the first of several articles that give you practical, nuts and bolts questions and communication techniques that motivate people using the 7 Non-Monetary Rewards people value most. They don't cost a penny because they're based on communication techniques that are positive and proactive. They counter the demotivators everyone faces in the workplace with questions that get at perception clarification - a truly shared vision.

You can rarely pay people as much as they'd like, but you can give them more of the 7 Non-Monetary Rewards that motivate people the most for employee retention. The key is knowing how to motivate employees with rapport building questions that clarify expectations, counter negativity in the workplace, and give people the language to express criticism and feedback without hurting morale.

Article Source: http://www.abcarticledirectory.com

Steve Penny author of Hiring The Best People has been asked to speak on How To Motivate People at the largest human resource conferences in the world. Video clips of the 7 Ways To Motivate People That Don't Cost A Penny may be viewed at HiringTheBestPeople.com

Need to Be More Productive? Follow These 5 Tips

By: Tony Mase

Chances are you've complained that there are "only" 24 hours in a day. Between work, your spouse, the kids, and all of your responsibilities around the house, making the most out of those 24 hours is crucial. If you're like most people, your productivity could use a boost.


So, how do you do it?


Follow these 5 tips. They can help you get more done without feeling like you're running around like a chicken with your head cut off!


1. Get up earlier.


This is probably the last thing you want to hear, but being rushed in the morning sets the tone for the entire day - and it's not a good tone. If you currently go running out of bed and into the shower, then out the door with coffee in hand, you're just unnecessarily stressing yourself out. By getting up an hour earlier, you can give your brain a chance to wake up and prioritize the rest of your day - without being rushed.


2. Never multi-task.


Some people brag about their ability to multi-task, but how focused can they really be on six different things at once? If you really want to be productive, focus on one task at a time. That way, you can give you full attention to it - which increases your chances of doing it well. By focusing on one thing at a time, you'll start to notice you actually get things done much faster.


3. Avoid "Smartphone Syndrome".


With all of those apps, social networking shortcuts, emails, and games, is it any wonder that most people are completely fascinated by their smartphones? However, all of the tapping, texting, and browsing you're doing is getting in the way of the rest of your day.


If you really want to be productive, turn off your smartphone and check it on your lunch break. Don't worry... that witty email from your buddy or that funny comment on your Facebook wall will still be there.


4. Hire a virtual assistant.


It may sound like something a celebrity would get, but virtual assistants are easy to find and inexpensive to have. By outsourcing menial tasks, you can focus on the more important issues that require your personal attention.


There are plenty of VA companies out there. Or, you can head to websites like Fiverr to find people who are willing to do easy work for low prices.


5. Give time wasters the heave-ho.


Every office has one - the guy who spends most of his day going from desk to desk, shooting the breeze. Sure, having social interaction is a great way to keep your sanity during the work day, but having too much of it can be a bad thing. If you get distracted by conversations, you're never going to get your work done - and you'll only wind up getting more stressed out.


So, what do you do? Politely tell your office time-wasters that you'd love to catch up later - as soon as you finish your current project. If you want, you can spend your lunch hour chit-chatting with co-workers. If you're consistently polite, you won't have to worry about hurting anyone's feelings - and you won't have to worry about getting distracted from your work.

Article Source: http://www.abcarticledirectory.com

Tony Mase is a serious student of the works of Wallace D. Wattles and the publisher of the "A Powerful Life: The Lost Writings of Wallace D. Wattles" ebook that includes "Time" by Wallace D. Wattles along with twenty-four other rare books and articles by Wallace D. Wattles. Grab your copy now at: www.wallacedwattles.com

Mind Management Made Easy

By: Willie Horton

 I am well aware that, of the thousands of people around the world who receive my free Personal Development Ezine every week, many will not be celebrating Christmas this year. Nevertheless, I have started recommending little Christmas gifts “ that my readers can buy for themselves... because they are worth it! This week âs recommendation was Tony de Mello âs classic book, Awareness. Not written as a book at all  it is composed of excerpts taken from some of his acclaimed seminars Awareness is a hard-hitting book that says it like it is. As the title suggests, the book explores just how unaware so-called normal people really are. To quote de Mello, we sleepwalk our way through life without ever realizing that, in order to live life to the full, all we have to do is wake up.


Some people have recently criticised me for the title of my own new book, 'Normal Crazy People', suggesting that I am in error when I juxtapose the words normal and crazy. However, all you have to do is look around you (and possibly take a long hard look at your own behaviour) to realize that our behaviour is off the wall. Tony de Mello arrived at the same place that many psychologists have done over the last seventy years. The scientific discipline of psychology has probably never once published a research paper using the word 'crazy' but, if you cast your eye over the key areas of research back to the 1930s, you will inevitably come to the conclusion that normal people are, indeed, crazy. Why? Because research from very many different psychological perspectives - behavioural, social, neurological, cognitive and developmental - all confirms the same conclusion: that, as adults, our minds control us, not the other way around. And that, to my mind, is a concise definition of madness.


The normal mind does not focus on the here and now - the time and place that you are! The normal mind's cognitive functions ensure that you pay little or no attention to the here and now - the time and place that you've got to turn up to to get anything worth talking about from your life. The normal mind's capabilities that allow us to repeatedly perform routine functions mindlessly result in us doing pretty much everything mindlessly. And, all the while, the normal subconscious mind is indulging in its obsession with the key events of our formative years - the conditioning that has made us who we think we are. Quite obviously, this way of using your mind simply leads to what de Mello describes as the 'nightmare' than the normal mind sleepwalks through.


The obvious conclusion is that, in order to get anything much out of life, you're going to have to start taking control of your mind. You're going to have to start managing how your mind focuses and, in the process, ensure that your mind focuses on the key things that you need to get done to get you to where you want to be in life.


Managing your mind is no big deal. It doesn't require that you transform your way of thinking. All that is required is that you start to re-train your mind to focus on the present moment - the only place and time where you can actually do what needs to be done to the very best of your ability. And, even though your adult mind is hard-wired to not pay attention to the here and now, retraining your mind to do just that couldn't be simpler. Like all great journeys, you start with the first steps - you start small. You deliberately decide to use some of your mundane, repetitive, routine chores as a training ground for your mind. You deliberately decide that, in doing these chores, you will pay an extra-ordinary amount of attention to what you're doing. After all, that's how we train ourselves to live our ordinary lives extra-ordinarily.


What am I talking about? Well, think of three or four things that you're going to have to do today. Like eating your dinner, like shaving, brushing your teeth or dressing yourself. The simplest way to pay an extra-ordinary amount of attention to things as mundane as these is to do them differently. In this way you involve more of your mind in the task in hand - you relearn how to focus. Not just that, you experience the difference between being focused and sleepwalking. And the moment you begin to experience this difference in small mundane things, you begin to develop the focus that is required to be the very best you that you can be in the bigger things that you have to do in life.


You cannot over-estimate the importance of focus and attention. Focus is the hallmark of all extra-ordinarily successful people. Little wonder really - because neuro-psychology tells us that your ability to be happy and successful depends on your ability to pay attention.


Copyright (c) 2011 Willie Horton

Article Source: http://www.abcarticledirectory.com

Willie Horton is author of 'Normal Crazy People', the 'radically different' self-help book and 'To Succeed... Just Let Go', his acclaimed personal development book. He is creator of Gurdy.Net, the Personal Development Website and works with clients like Pfizer, Allergan, ESB, G4S, Deloitte and KPMG. He lives in the French Alps.

The Energizing Power Of Goals

By: Marsha Egan

 

How much more effective are you at getting projects finalized and your work cleared down in the few days before you're due to go on vacation? You know that you need to get a report handed in, make a particular phone call, or pass certain tasks to colleagues to advance a project BEFORE you leave; you push yourself and make sure it's all organized, knowing you'll relax all the better on vacation knowing it's dealt with. Can you imagine what the working world would be like if we were like that all the time? We'd be unstoppable!


Now, for most of us, if we're honest with ourselves, we know that we're not. Therefore, we need to understand what it was that was different in the run-up to the vacation. You had tasks which had to be done, both for work and on a personal level. You'd made your list, and you had the all-important deadline. That deadline was absolute - sadly, planes do not wait because one of the passengers is still in the office! Your goal in this case isn't the tasks on your list, it's the perfect relaxing vacation you've been planning and saving for!


The same kind of energy exists outside of your working life - when you're planning a party or maybe arranging a wedding anniversary surprise. Not only do you have a clear goal, such as the look on your partner's face or a great party where everyone has a good time, but you also have an absolute deadline which you set when you send the invitations out!


Without these absolute deadlines, we don't reach, we just 'do'. We have our routines and we stick rigidly to them - they control us, rather than the other way around! A fun, exciting way to reverse this and take charge of your own routine is to create some new goals; ones that you know you'll love achieving. What do you really want to do before you're 40? Before you're 50? By Christmas? What have you always fancied doing, but never gotten around to? Whether it's learning to make the perfect soufflé, sky-diving or learning to belly-dance, we all have goals at the back of our minds.


In order for goals to be as energizing as that pre-vacation clear-up, they have to be clear in your own mind. I like to challenge my coaching clients to think of a goal as a destination. If you don't have a map and don't know where you're going, how do you know when you've arrived?


An example challenge is to decide where you're going--A weekend in Vermont or Vegas? Once you've decided where you're going, then it's time to plan the details. What's your budget, and how will you stick to it? Are you taking the train, flying or driving? When are you going and who is coming with you? The difference between the vast majority of people and those who are truly successful can be as simple as having selected the destination. In addition, they not only know where they're going, but they've set the date. If you don't put that 'line in the sand' and buy the tickets, you may never get there.


Deadlines give your goals the energy you need to get them done, and they bring them to life. The energy pulls you towards your goal, gets you excited about reaching it and allows you to enjoy the journey you take to get there. It becomes a positive force in your life.


There's an ancient Chinese proverb, which states that a journey of 100 miles begins, and ends, with a single step. Journeys without a clear destination are no fun - if you're constantly looking for where you think you ought to be going, you don't get the chance to enjoy the view!


So, plan your destination, and give yourself a new goal. Then give it a deadline, and feel the positive pre-vacation energy carry you there!

Article Source: http://www.abcarticledirectory.com

Marsha Egan, CPCU, PCC is CEO of The Egan Group, Inc., a Reading, PA based professional coaching firm. She is a certified workplace productivity coach and professional speaker, specializing in leadership development and can be reached at marsha@marshaegan.com or visit www.InboxDetox.com.

The Formula For Finding Life Fulfilment

By: Michael Griffiths

Happiness may be a choice. You can choose to remain happy and always see the value behind even the worse challenges, and you can also sulk and feel sorry for yourself. Some people blame others for bad things that result from their own wrong choices. They feel that the world owes them a favor - and that everyone else must try their best to make their lives easy to live.


The truth is, whatever we are, whatever we make of ourselves is a direct result of our own decisions. Life is a constant search for happiness. But as a popular saying goes, "you cannot find happiness by making it your only goal." Happiness is an offshoot of living and pursuing your personal dreams, while staying true to yourself.


So is there a real concrete formula for achieving happiness? Answer: NONE … but there are pointers. Go through the following and gauge where you are on the checklist of life.


FORMULATE A PLAN. Want something? Then write down all your plans on how you intend to achieve it. List all possible ways to get to your goal. Remember, a goal is always more exciting when you work hard at it, then finally see it come into fruition.


In case you have to slightly delve or make adjustments to your plan, then don't fret. There are many ways to reach a goal. Some ways may be short but difficult, and some may take long but are otherwise easy. Decide which road you want to take.


A PROPER MINDSET IS THE KEY. Having a positive attitude about life is always the best way to tackle life - head on. Develop an appreciation for every little obstacle that is thrown your way. Resolve to tackle each challenge - and be truly thankful that you have found solutions to them.


They say that we must have our own share of sorrows to fully appreciate joy. Wouldn't it be so boring if everything you wished for were offered to you on a silver platter? Imagine breezing through life then encountering one bump along the way. How do you ease out the bump if you never learned how to deal with difficulty?


IDENTIFY YOUR STRENGTHS AND INTERESTS. What are the things you love doing? Do you love to sing? Write? Draw? If you know what you are passionate about, then do everything to pursue this passion.


It is never true that some people are "jacks of all trade but the masters of none." Everybody is good at something - you just need to identify what truly excites you. Talents were given to each one of us to make life more enjoyable. A lot of people find fulfillment in life by using their talents to their own benefit. Sadly, though, the majority of people go through life without seeing fulfillment to the things they truly enjoy doing.


ALWAYS GIVE YOUR BEST. If you want to be successful, don't do things half-heartedly. Give it your all. Try your very best. Use all your talents. If you learn to adopt this attitude, you can always say that "I gave all I can give," If your best was not good enough, then learn to accept that there are just some things in life that are not going to be easy to attain. Be realistic. However, always think that the more difficult the process, the sweeter the success will be.


ALWAYS WORK TOWARDS ACHIEVING MORE. Think you've already achieved what you wanted to achieve in life? Well then, lucky you. So what do you do now that you've attained your goal? Should you then be complacent, sit around and wait for life to pass you by?


Certainly not! Set new goals. It is never too late to strive to get something new in life. Always work towards a dream - and dream a dream that you never thought possible. Life becomes meaningful as long as you have something to work for.


The trick is to find a delicate balance between all these pointers. There is no real formula for life fulfillment, but you can certainly work at trying to find one.

Article Source: http://www.abcarticledirectory.com

Michael Griffiths is the CEO and Founder of Secrets Of A Super Life, providing individuals with personal development strategies to increase their purpose, passion, happiness and life fulfilment. For your free life success pack please visit www.mysuperlifetoday.com

Understanding Failure Is One Of The Secrets To Success

By: Jack Dean

 

Are your failures pilling up on you and making you feel a little like quitting?

Stop! If you answered yes to that question congratulations, you are a one-step closer to understanding that failure is one of the secrets to success. Look at all the things you have done the mistakes that you have made and the benefits of all the valuable lessons you have learned from the mistakes that you have already gotten behind you. You may not realize it but you are right where you are supposed to be.

Failing is actually a very real part of winning. Don't feel bad because you have failed at something, at least you are out there trying to do something. Be proud of yourself, you are out there testing your limits, which is far more than most people you know are doing. The next time you fail, do not apologize to anyone for it. Just say, yes I failed and I am proud of it because I was brave enough to step out and test my limits in an effort to discover the secrets to success.

I read something once that really stuck with me, and what the author said was, "You can not hold up in the safe zone of behavior where you have beaten the odds of failing. The unwillingness to encounter defeat or run into problems outlaws success. Unless you allow yourself to make mistakes, to fail, you will never have the opportunity to test the limits of what you are truly capable of accomplishing." Now do you see where failing is a very real part of winning? Understanding failure is one of the secrets to success no matter what you trying to accomplish.

If you are like me and the majority of the population, you have heard people tell you all your life, "Better to be safe than sorry." "Don't take a chance." You see you have been conditioned all your life to think "do not fail." That's all a bunch of crap. Get out there and do what you want to do, and do it right now. If you meet up with some temporary defeat so what, learn from it and try again. However, do not give up! Never ever, give up! The only time that failure is not part of winning is when you decide to quit. Winners never quit and quitters do not understand the secrets to success and that is why they quit.

In a book titled "YOU 2" written by Price Prichett, the author says, "As someone has said, everything looks like a failure in the middle. You can not bake a cake without getting the kitchen messy. Half way through the surgery, it looks like there has been a murder in the operating room. If you send a rocket to the moon, about 90% of the time it is off course. It fails its way to the moon by continually making mistakes and correcting them." You see, mistakes and failure are part of the process of success.

The author Prichett goes on to say, "So often in life it seems that things first get worse on their way to getting better. Be prepared for that sort of development. Problems belong in the process of success. They are part of the equation that produces success. They are not proof that your ambitions are futile or that you should give up."

"Out of order comes chaos, and then out of chaos comes order - a higher degree of order than that which existed prior to the chaos." -Bob Proctor.

When I was growing up and still living with my parents, my father and I would do our own mechanic work on our cars. My father was a really smart man, not real educated, but smart in many ways. He could take an engine apart, spread it out on a tarp, clean all the gunk and built up grease off of everything, put new rings on the pistons and new main and rod bearings in and put it all back together again and it would run like a new engine.

If you were to watch this process you would think that there is no way that, he was going to be able to put that mess back together again. My point in telling you this is that half way through anything it looks like you are not going to make it. Like Bob says " Out of order comes chaos, and then out of chaos comes order - a higher degree of order than that which existed prior to the chaos." Before he tore the engine down everything was in order, after tearing it down and spreading it out on a tarp it appeared to be in total chaos. But he was only half way through at that point. After it was cleaned and reassembled, it was in a higher degree of order than that which existed prior to the chaos, it was cleaner and ran better than before.

Therefore, if you find yourself in the middle of whatever it is that you are trying to do or accomplish and everything seems to be a total chaos and appears as if you are not going to make it, DON'T GIVE UP! Understanding that failure is one of the secrets to success, you will know that success is eminent at this point; you are right where you are supposed to be. Keep your faith in yourself and your God given talents and know that you can accomplish anything you have the desire to do.

Great success to you and God bless!

Article Source: http://www.abcarticledirectory.com

Author Jack L Dean has thirty years of sales management experience, he has successfully helped hundreds of sales consultants achieve their success goals. Action with the right knowledge equals success. For more information about successful living, health, wealth, wisdom and to gain access to free training for internet marketing and generating leads visit my blog at makinjackmarketing.com

How To Save a Marriage: Advice That Will Help You

By: Byron Dyson

 

Anyone who is in a marriage can tell you that sometimes it can absolutely be hard work. Many times, in a marriage, it may seem as though you've hit a tough patch as there are a variety of things that can put strain on your relationship. However, because the marriage could be saved if it is worth it, you should not give up hope. Many people in marriages recover and overcome hardships to discover that they are stronger afterwards so it can certainly be achieved.

Deciding to save your marriage is the first thing that you ought to do. Both you and your spouse should be in complete agreement on this. You surely need to understand that you may have quite a distance to go and it may not be easy, but you need to both be on the same page in that you need to both want to do everything you possibly can to save your marriage.

You can then start to move ahead when you are both on the same page concerning this. One of the most effective things that you can keep in mind is that every issue in a marriage has a solution. There are numerous ways that you may make that happen if both people are dedicated and devoted to making the marriage work. Taking the initial step and saying that you are committed to saving the marriage is the greatest action you can take. This way, before things become worse in your marriage, you can choose to make the issues better.

You simply must get actually clear about and determine the concerns that you absolutely need to fix after you have dedicated to making everything work. It'll be very difficult to discover a solution when you have difficulty defining the problems. Often, the issues will have something related to communication. Making sure that both people are being sincere and communicating with one another is very important.

You'll want to tell your spouse when you feel a certain way about something. For example, if you would like your spouse to invest more time with you, maybe you can try having a normal "date night" every week so you are both making an attempt to spend time together. If you feel as if you need to get the magic back in your relationship, you may need to try some different things to make your partnership feel more romantic.

The most crucial thing to appreciate is that if you try different things, you'll be able to fix the challenge. Before you locate a solution that actually works, you might want to implement a few solutions. Working out your issues inside your marriage--no matter what you may well be facing--is always possible. You will definitely have the ability to save your marriage if you work hard and stay committed to making it work.

Article Source: http://www.abcarticledirectory.com

Do you think you're having problems inside your matrimony? If you need to learn how to save a marriage then you need to go to our web site. You will learn a few of the most recent facts about how to save your marriage.

A Story of Healing Emotionally

By: Hillary D Price

Financial recovery is much like healing from a wound. Through the story of healing below you will experience all the emotions you need to recover emotionally so you can recover financially.

Imagine you wake up in a hospital room. You do not remember how you got there. You look around and see people you love. You speak up, “Hey what am I doing here?” Your mother races to your side. She exclaims, “You’re awake! Doctor, he’s awake!” She runs down the hall to find the doctor. You look around in a state of confusion. You try to move but your limbs feel heavy and sore. It is too much effort to move, so you ask one of your cousins to help you. Your cousin comes to your side and says, “Man we did not know if you were going to wake up.”

As it turns out, you were on your regular morning run and you collapsed. You slipped into a coma for six months. During those six months your muscles atrophied, limiting movement of your arms and legs. You have been prescribed six months of rehabilitation where you will relearn to walk, move your arms and take care of yourself.

Needless to say, you fall into a serious state of depression. You cannot believe you need people to help take care of you. You have lost your freedom as an adult. You cannot feed yourself and you cannot even use the bathroom on your own. You are powerless. You go over and over in your mind what happened. You cannot remember. It seems unreal. Your last memory is running that 10k just for fun and now you cannot even get out of bed, which seems like yesterday. Initially you refuse to participate in the physical and occupational therapy. It just seems like too long of a road ahead to even try. You just lay in bed staring off into space, dreaming of a life that is not yours. You question, “Why did this happen to me? What is even the point of going on?”

With the support of those around, you are coaxed into trying the physical therapy. It is extremely difficult. You feel guilty that everyone has to help you. Any self-confidence you had before the accident is gone. You are struggling to find any self-worth in that brain of yours. As therapy continues you begin to experience many emotions. You are jealous of those around you who can move. You are jealous of those who get any sort of privacy. You want to have a normal life. You feel trapped and just having to talk to others makes you angry. You are filled with hatred for the physical therapists that keep making you do these challenging exercises. You are enraged at your body for not working properly. Your mind is firing away and your limbs just will not do what you are telling them to do.

As you lie in your bed, you begin to plot your revenge on all those who are forcing you to exercises and who check on you to make sure you are practicing. You starting planning how to dismantle some of the rehabilitation equipment so you never have to do another leg lift again. You blame yourself for not working hard enough and your brain for shutting down for those six months. It all just seems so unfair. You worry you may never be able to take care of yourself again. As the months progress, you begin to move with a bit more ease. However, you have a hit a plateau because you can feed yourself and walk to the restroom again, but your body seems to tire quickly. The stamina you once had is gone. You doubt it will ever come back. You are disappointed and frustrated it is taking so long to get better.

At the end of month four, you seem sure that nothing will ever be as it once was. You may never run the annual 10k again. You may never go back to work because you tire out so quickly. You get irritated, when your family asks about your progress because you want to be further along than you are. As month five wears on, you are bored; it seems you have done every exercise at least a million times. You find yourself yearning for something, but you just do not know what.

One morning, you wake up and go to physical therapy. Your therapist sits you down and starts his usual list of questions. He tells you that he would like you to try to run today. Your stomach drops. You are not sure if you are nervous or excited. He says, “Give it a try, I think you are ready.” You start to walk, then move to a slow jog. You are doing it! You are actually jogging, slowly, but still jogging. You feel this spring rise up in you and you smile.

You think to yourself, I cannot remember the last time I smiled. For the first time since you awoke in the hospital, you feel a sense of relief and that everything is going to be okay. As the days progress you are filled with hope and happiness that you will have your life back again. You believe in yourself and you begin to chant while you jog, “I will run a 10k again; I know I can do it.”

You enthusiastically sign up for a 10k run. You eagerly train every day. You are filled with such happiness that you are able to move, able to care for yourself and able to run. You are so grateful for all those around you who loved and supported you through this healing process. You are filled with joy every morning you wake. You are happy to be alive!

Financial recovery is much like the healing in this story. So take the time to heal and you will be able be financially successful.

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Visit our website for your FREE Seven Step Guide to Financial Recovery at www.hdpriceinc.com. Hillary D. Price is a financial counselor and coach, author, and entrepreneur in Southern California. Her innovative and in-demand “Make Dollars and Cents with Emotions” course is available at www.hdpriceinc.com. Private counseling available by appointment only. 888-769-7714, Fax 888-380-9876, info@hdpriceinc.com.

Annuity Payouts - What are My Options?

By: Ryan O Donnell

When it comes to laying the financial foundation for retirement, many people choose to use a combination of stocks, bonds annuities and mutual funds to build the assets they'll need to have a comfortable and successful retirement. If you've chosen to use annuities, you've likely already spoken at length with a financial planner and have chosen an annuity that fits your lifestyle and income. You already know that you can protect your principal and have a steady income for the rest of your life. Annuities are a vital component of a well-balanced retirement plan.

While annuities are certainly not the only option when planning retirement, they do offer some flexibility and guarantees that other investment methods do not. If you have chosen to go the annuity route to retirement, you should familiarize yourself with not only the initial purchase and investment, but also how you receive funds when you're ready for them.

When the time comes and you are ready to begin receiving your annuity payouts, the accumulated value of the annuity will facilitate the payment to you. It may not seem as though it is of paramount importance when you purchase the annuity, but making yourself familiar with how the annuity payments actually work is not something to be left for the future. Here are some of your annuity payout options and a brief explanation of each method.

First, there are essentially three main options to choose from when receiving an annuity payment.

The first option is Income for Life. This option is more or less exactly as the name would lead you to believe: a guaranteed and set income for the duration of your life wherein payments will cease upon your death. This option carries a not dismissible amount of risk since you of course have no idea of when exactly you will die. In the event that you should die before the annuity has been completely paid out to you, the insurance company, and not your beneficiaries (in example-your family members), will receive the remainder of the annuity funds. Again, this option does carry potential risks but may be applicable to your lifestyle and circumstances.

The second annuity payout option is Income for Life with a Guaranteed Period, also known as a Period Certain Annuity. This second option is more generally more appealing than the Income for Life option because it provides the exact same coverage, but if you die before the prearranged guarantee period reaches expiration, any of your beneficiaries will continue to receive regular payments until the guarantee period ends. If family is a consideration for you, this is likely the better option of the two.

A third option is known as the Joint and Survivor option. This particular annuity type is very popular amongst married couples. This payout option guarantees regular payments to you and another person, typically a spouse, until such time as both of you dies. In some variations of this plan, the payment amount is reduced after the first death. A period certain (*see above) may also be available with this option.

Annuity payout options are completely flexible and any of these options can likely be combined to fit your individual needs.

Also of interest is that Annuities can also be used to fund your 401k, (and 403b, and Individual Retirement/IRA). Some financial planners would advise against this course of action and tell you that you should not use your annuity for this purpose. There are two reasons for this: penalties and contribution limitations.

The US Federal Government requires that you begin receiving regular payments by age 70 1/2. If you have used your annuity to fund your 401k, there is an automatic 10% penalty for early withdrawal if you take funds before age 59 1/2. The amount you can contribute to your 401k is governed by IRS rules; you can consult their website for full details and particulars.

Article Source: http://www.abcarticledirectory.com

Annuity Rate Shopper began with a mission to simplify the process of purchasing fixed annuity rates. Started by a certified financial planner, Annuity Rate Shopper makes sense of the over 2000 inusrance companies who offer over 10,000 annuity products. Visit their site for a full explanation of services and annuities.

Annuities and Retirement Planning

By: IshanGoradiya
 

You may have heard that IRAs and employer-sponsored plans (e.g., 401(k)s) are the best ways to invest for retirement. That's true for many people, but what if you've maxed out your contributions to those accounts and want to save more? An annuity may be a good investment to look into.

Get the lay of the land
An annuity is a tax-deferred investment contract. The details on how it works vary, but here's the general idea. You invest your money (either a lump sum or a series of contributions) with a life insurance company that sells annuities (the annuity issuer). The period when you are funding the annuity is known as the accumulation phase. In exchange for your investment, the annuity issuer promises to make payments to you or a named beneficiary at some point in the future. The period when you are receiving payments from the annuity is known as the distribution phase. Chances are, you'll start receiving payments after you retire.

Understand your payout options
Understanding your annuity payout options is very important. Keep in mind that payments are based on the claims-paying ability of the issuer. You want to be sure that the payments you receive will meet your income needs during retirement. Here are some of the most common payout options:
• You surrender the annuity and receive a lump-sum payment of all of the money you have accumulated.
• You receive payments from the annuity over a specific number of years, typically between 5 and 20. If you die before this "period certain" is up, your beneficiary will receive the remaining payments.
• You receive payments from the annuity for your entire lifetime. You can't outlive the payments (no matter how long you live), but there will typically be no survivor payments after you die.
• You combine a lifetime annuity with a period certain annuity. This means that you receive payments for the longer of your lifetime or the time period chosen. Again, if you die before the period certain is up, your beneficiary will receive the remaining payments.
• You elect a joint and survivor annuity so that payments last for the combined life of you and another person, usually your spouse. When one of you dies, the survivor receives payments for the rest of his or her life.
When you surrender the annuity for a lump sum, your tax bill on the investment earnings will be due all in one year. The other options on this list provide you with a guaranteed stream of income (subject to the claims-paying ability of the issuer). They're known as annuitization options because you've elected to spread payments over a period of years. Part of each payment is a return of your principal investment. The other part is taxable investment earnings. You typically receive payments at regular intervals throughout the year (usually monthly, but sometimes quarterly or yearly). The amount of each payment depends on the amount of your principal investment, the particular type of annuity, the length of the payout period, your age if payments are to be made over your lifetime.

Consider the pros and cons
An annuity can often be a great addition to your retirement portfolio. Here are some reasons to consider investing in an annuity:
• Your investment earnings are tax deferred as long as they remain in the annuity. You don't pay income tax on those earnings until they are paid out to you.
• An annuity may be free from the claims of your creditors in some states.
• If you die with an annuity, the annuity's death benefit will pass to your beneficiary without having to go through probate.
• Your annuity can be a reliable source of retirement income, and you have some freedom to decide how you'll receive that income.
• You don't have to meet income tests or other criteria to invest in an annuity.
• You're not subject to an annual contribution limit, unlike IRAs and employer-sponsored plans. You can contribute as much or as little as you like in any given year.
• You're not required to start taking distributions from an annuity at age 70½ (the required minimum distribution age for IRAs and employer-sponsored plans). You can typically postpone payments until you need the income.
But annuities aren't for everyone. Here are some potential drawbacks:
• Contributions to nonqualified annuities are made with after-tax dollars and are not tax deductible.
• Once you've elected to annuitize payments, you usually can't change them, but there are some exceptions.
• You can take your money from an annuity before you start receiving payments, but your annuity issuer may impose a surrender charge if you withdraw your money within a certain number of years (e.g., seven) after your original investment.
• You may have to pay other costs when you invest in an annuity (e.g., annual fees, investment management fees, insurance expenses).
• You may be subject to a 10 percent federal penalty tax (in addition to any regular income tax) if you withdraw earnings from an annuity before age 59½, unless you meet one of the exceptions to this rule.
• Investment gains are taxed at ordinary income tax rates, not at the lower capital gains rate.

Choose the right type of annuity
If you think that an annuity is right for you, your next step is to decide which type of annuity. Overwhelmed by all of the annuity products on the market today? Don't be. In fact, most annuities fit into a small handful of categories. Your choices basically revolve around two key questions.
First, how soon would you like annuity payments to begin? That probably depends on how close you are to retiring. If you're near retirement or already retired, an immediate annuity may be your best bet. This type of annuity starts making payments to you shortly after you buy the annuity, typically within a year or less. But what if you're younger, and retirement is still a long-term goal? Then you're probably better off with a deferred annuity. As the name suggests, this type of annuity lets you postpone payments until a later time, even if that's many years down the road.
Second, how would you like your money invested? With a fixed annuity, the annuity issuer determines an interest rate to credit to your investment account. An immediate fixed annuity guarantees a particular rate, and your payment amount never varies. A deferred fixed annuity guarantees your rate for a certain number of years; your rate then fluctuates from year to year as market interest rates change. A variable annuity, whether immediate or deferred, gives you more control and the chance to earn a better rate of return (although with a greater potential for gain comes a greater potential for loss). You select your own investments from the subaccounts that the annuity issuer offers. Your payment amount will vary based on how your investments perform.
Note: Variable annuities are long-term investments suitable for retirement funding and are subject to market fluctuations and investment risk including the possibility of loss of principal. Variable annuities contain fees and charges including, but not limited to mortality and expense risk charges, sales and surrender (early withdrawal) charges, administrative fees and charges for optional benefits and riders.
Variable annuities are sold by prospectus. You should consider the investment objectives, risk, charges and expenses carefully before investing. The prospectus, which contains this and other information about the variable annuity, can be obtained from the insurance company issuing the variable annuity or from your financial professional. You should read the prospectus carefully before you invest.

Shop around
It pays to shop around for the right annuity. In fact, doing a little homework could save you hundreds of dollars a year or more. Why? Rates of return and costs can vary widely between different annuities. You'll also want to shop around for a reputable, financially sound annuity issuer. There are firms that make a business of rating insurance companies based on their financial strength, investment performance, and other factors. Consider checking out these ratings.

Article Source: http://www.abcarticledirectory.com

Ishan Goraydiya is passionate writer and loves writing about Retirement and Financial Planning. These days he is writing on Netbenefits.

Alternatives to an Individual Voluntary Arrangement

By: Mona

The numerous options available can build more difficulty and worry for those who are in debt. For that reason by just being aware of these additional options is not enough.

Throughout this piece we aim to go into detail about some of the essential information and figures that debt advisers look for when working to form the best debt resolution options for their client. The content is not relevant for residents of Scotland; they have a distinct but comparable list of options to choose between.

The amount of unsecured debt a client is in matters to the debt advisor when considering which debt resoloution alternative the client should go for. Bank loans, store cards and credit cards are recognized as unsecured debts, considering that secured debts would be things like your mortgage or hire purchase on a car. Fiffteen thousand pounds is the minimum amount for an IVA which is quoted by IVA companies, more recently there are some companies that look at lower debt levels than £15,000

If your debt is lower than this amount, an appropriate option may be a debt relief order, a debt management plan or bankruptcy.

Your assets are also important to debt advice professionals. Common examples of such assets might be equity in your house or a vehicle of significant value that is owned without finance owing on it. If your assets are of a value in excess of your unsecured debt it's likely that the Individual Voluntary Arrangement and debt relief order options will not be appropriate or available, although some exceptions might exist. As bankruptcy will likely to threaten the assets themselves most will people will look to other options such as auctioning the assets themselves or rescheduling repayments by the means of a debt management plan. Depending upon your circumstances you may also be able to look at the options of refinancing your assets to repay your unsecured debts.

If your level of assets is lower than your amount of unsecured personal debt you may find that an Individual Voluntary Arrangement is worthy of further consideration. You should be aware that you may be required, if it is possible, to release some of this equity for the benefit of your creditors. Anyhow safeguards are built into this process that should mean your home is safe assuming that you keep up with your mortgage and IVA payments monthly.

Assessing your ability to make payments towards your debts each month is also necessary for a debt or IVA adviser. Should it be the case that little or no affordability for such a payment exists it should alert you to the possibilities of bankruptcy or a debt relief order. If any inability to make monthly payments is temporary in nature, the option of making "token payments" for a period may help you to get back into a position where the other options become available later.

If the amount paid is substantial, creditors may not allow an Individual Voluntary Arrangement. This is as your debts can be repaid in a similar timescale to an Individual Voluntary Arrangement. In circumstances like this a debt management plan may help debts to be resheduled to enable affordably and completely repaying the debts within a genuine timescale.

Where a reasonable monthly payment is affordable (a sum of £150 per month and upwards perhaps), you should look at how long a debt management plan would take to deal with the debts that you have. If it is excessive an IVA may represent a compromise that will enable your creditors to achieve a part-settlement and assign you to get back on your financial feet within a few years. In these circumstances bankruptcy will also be an option for you which could possibly have a shorter payment term than an IVA. However homeowners and certain professionals may feel that an IVA offers them greater protections.

Another factor to be contemplated on for debt advisors is the sort of employment the client is in. Insolvency (a bankruptcy, IVA or DRO) may formulate issues for professionals like accountants who rely upon memberships of professional bodies. Police officers and members of the armed forces may need to abide by certain procedures before selecting any of the options. People who hold a job in the financial services sector and their role involves cash handling should check their employment contracts.These restrictions do not apply to informal debt management options.

 

Article Source: http://www.abcarticledirectory.com

IVA Advice Forum is a website determined to providing accurate and up to date information about an IVA and other UK debt solutions. We remind you that an article such as this is not personalised debt or IVA advice as other important factors exist. If you want to identify the options available precisely to meet your needs we imply that you visit our

Financial Tips Could Be Cruical When You Are Out Of Money

By: Mirjan

 

Among the tricky factors concerning online work might be funds management troubles. Regardless of whether a person is capitalizing decent profit it may be difficult to handle properly to ensure your hard earned dollar endures to cover your regular bills. Unlike a regular work it is likely you won't be paied off on a once a week program anymore. Salaries can come in once in a while so this means you'll have to be able to take care of your hard earned money so that it endures all thirty days. If you carry out these guidelines you will have much easier job of controlling your cash at the time it comes into play and also disappears. You may be far better ready for upcoming expenses.

One of the best actions for your own personal budgetary wellness will be to pay for regular expenses immediately you get paid off. That way you won't become drawn to touch monthly bill money if finances occur to be running short.

Working from home can mean that once you're paid off it will probably be a sizeable sum in one big portion which is meant to withstand almost all 4 weeks or before you have the another paycheck in your postal mail box or possibly the bank-account. For that reason, aside from paying your charges ahead after you get paid you'll want to consider the rest of the profit and thus divide it simply by the total number of days still left until your next commission. That provides understanding of what money each day you are able to use.

It is preferable to put around ten percent of this wages directly into special bank account that won't be touched and isn't considered projected expenses because auto problems and also emergencies may come up that you simply have not think about. Putting away ten percent of the salary month after month will allow you to deal with most of these expenses easily and not being running out of money in a thirty day period.

Important point of finances management linked to working from home is that you've got to always keep good data record of your earnings and home business bills making sure that when it comes to tax payng you're able to file when they're due and avoid any kind of penalties linked to late submitting. By correctly checking payments you will also manage to use the maximal tax discount rates accessible to you.

Record maintaining might be on the list of most challenging elements of home business management and also on the list of duties a lot of company owners hate to do. Moreover it is among the essential however. One simple point which will help any one manage your earnings as well as bills could be to get yourself a record folder having at least twelve dividing slots 1 for each calendar month of the business year. When a payment comes in put on paper the particular date you paid out it so you can document it inside your record folder for that right thirty day period. Doing the work in this way, you won't need to worry by the end of the year trying to track down the whole set of needed paperwork you must have.

 

Article Source: http://www.abcarticledirectory.com

Financial advices could be beneficial, so You should find plenty of informations at Financial blog. If You are planning some financial injections, visit Loans Blog for an assistance.

Redesign That Stuffy Old Office!

By: C. Michael Hunter

 

New and innovative ideas have become a necessity for almost every office since its décor can greatly affect the efficiency of the employees. In addition, it can promote collaboration on certain tasks that require teamwork. There may be a need for more space for the staff to be more comfortable, which can easily be found by redesigning an area that was used for the storage or has simply been idle and unproductive for a long time. The following are some great ideas on how to turn that stuffy old area into a space that promotes the efficiency and productivity of each employee.

Workspace Determinations

The first thing that should be done is to determine how the company functions and the activities of the staff. In doing this, it can be determined how employees spend their days. For example, if the business is set up with large, individual offices but most of the time there are very few employees actually working in those offices, the space is unproductive as a whole. These unused spaces can be transformed and developed into small, yet comfortable shared rooms that are fully equipped with everything needed to be used by any employee at any given time.

An office area can be made more flexible for those who use it by redesigning the space and creating more open spaces. Open-plan work spaces, along with other changes to the area, can actually save money. These changes may include: shutting down certain sections of the floors that are not needed; moving workers closer together; getting rid of walls; and getting rid of individual cubicles.

Besides saving money, downsizing the overall workplace area offers many other benefits to a company, such as closer employee interaction to share ideas and be more productive. Increasing the work energy of employees may increase company loyalty. In addition, individual offices and desktop computers can be eliminated and replaced with “jump-in” rooms for phone calls and other private conversations.

A Smooth Transition

Redesigning an office space may be one of the biggest changes for a company to make and the transition may not be easy. Before making that office transformation, a variety of things need to be considered. The following are some of these factors.

·  Reason for Change - There needs to be a reason for an office redesign. Employees need to understand that the reason for such a move is to increase the company's overall productivity and profitability. Once the reason is understood, employees will not feel stressed or resentful. This whole workplace modification can actually build loyalty and help promote a positive anticipation to the coming changes. Communicating these reasons will also help to dispel any rumors that might be circulating around the office.

·  Promote Change From the Top - Business owners should consider several new designs and have them tested as a pilot program. Any transformation should also be promoted from the top as employees will tend to complain less if it is seen that the CEO is experiencing these same work disruptions. Keep an open mind about the changes. If possible, be willing to take a few risks by allowing employees to work from home or some other location if it is productive for the company.

·  Determine Work Habits - It is important to determine each employee’s work habits. Some will be more productive when able to interact with others, while some will be more productive and efficient when they are in a quiet place and able to function alone.

Expectations about change should always be realistic. These new designs are not the solution to all office problems; however, they are a great tool for increasing the motivation of individual workers to be more productive and to be willing to help increase the company’s profitability. Considering all of this - redesign that stuffy old office!

Article Source: http://www.abcarticledirectory.com

C. Michael Hunter is an expert in commercial real estate and office space information. To find out more about Dallas Office Spaces, go to the main website at: www.lcrgusa.com/.

Get The Best Deal From Your Home Builders

By: Eric Babin

 

Real estate transactions are not your ordinary day to day business transactions of buying bread and sugar. They are very complex and you need to negotiate on many levels so that you get the best deal.

It is even more difficult when you have to negotiate the purchase price with home builders and developers. You will find that it is difficult because most developers and builders often claim that the home prices are based on fixed construction costs. All deals are reachable as long as you know how to negotiate properly. Niceville home builders are very experienced so you need to know how to negotiate with them so that you select the right contractors.

There is more to negotiation that just price. For example, you can negotiate on who will pay for home inspection or when the loan closing will take place. You should be aware that everything is negotiable and it depends upon you how much you can negotiate. Let us just look at a few tips to negotiate with Niceville home builders and developers for the best deal.

First, you should thoroughly research before making an offer. Before meeting the builder, you should perform a research and compare similar properties with relation to size, location, style and so on. So as to find similar properties, you can take help of MLS or the website of the local property appraiser for you to get an idea about the price of similar properties.



Occasionally temperatures may rise. To gain the upper hand, you should stay calm while negotiating. When you are calm, it is easier for you to negotiate with the seller. You should keep in mind that negotiation is stressful for both of you. When you keep your emotions in check, the process will be easier and faster. You will even get a better deal on the price and other items that you were negotiating on.

Sometimes people tend to want too much. You should always have certain limits and always make realistic offers. Always have a clear understanding and comprehension of what you are looking for. Set a realistic price in order for the home builders and sellers to agree upon it.

As I said, price is not always what matters. Even if the price is high, you can negotiate for value for your money. You can negotiate for better amenities instead of negotiating for a lower price. You can negotiate for upgraded light fixtures, carpets and so on along with better landscaping and other facilities.

The factor that actually makes some negotiations fail is poor timing. You should master the art of choosing the right time for negotiation. You should know that in Niceville most home builders agree to reduce the price either at the very beginning or at the very end of a development project . When the project begins, the developers want to sell the properties fast so that more people come to know about it. Again, the availability of units becomes less at the end. This means that the builders agree to sell them at lower rates.

Finally, it is advisable to hire a real estate agent if you do not have the negotiation skills. An agent has experience and when it comes to negotiations, nothing beats experience.

Article Source: http://www.abcarticledirectory.com

Eric Babin, a Destin custom home builder.  For more information on Destin custom home builders contact Babin Custom Builders at
www.babincustombuilders.com/

Know Your Options When Thinking About Purchasing a Newly Constructed Property

By: Stefan Hyross

 

A lot of people currently would rather buy a new home rather than purchase a property that has been already lived in. Prospective new home buyers want everything like walls, carpets, and appliances to be brand new. When you purchase a used home you might need to consider such things as carpet needing replacement, older appliances, and walls needing patching. To avoid this circumstance, buy a brand new home or have a new house built specifically for you.

The area you wish to reside is a decision that must be made immediately after the decision to buy a new house. Are you more of a country individual who likes to have a large plot of land and privacy, or would you enjoy more living in a large urban center with plenty of traffic? You need to also consider the commuting time it would take you for a regular trip to the grocery store, gas station, or work. Also, consider whether you mind having a large number of people close by, or do you enjoy being more isolated.

Another critial thing to consider when buying a new home is if the area is a place you are comfortable with. Explore the area by walking around and inspecting things thoroughly before making this tough choice. Make sure that the people you could be living close to are sociable and polite. Figure out which schools your children could be going to, and whether they might have to ride a bus to school. In addition, you should also find out if there are cable and internet services operating in the area. Finally, find out if there are any special codes or regulations for the district or community that you are planning to reside in.

It is hugely useful when purchasing a new home to research the builders who constructed the new property. You need to make sure that the company has had many years behind them doing this type of construction. Any good contractor with not mind if you ask for a couple of references so go ahead. As well, think about viewing other homes that the developer has built to ensure that it is a respectable company with appropriate insurance.

One step that should be done when you are deciding to buy a new home is to have it professionally inspected. A few buyers think that since a home is brand new that an inspection is not required. Regular everyday people are the ones accountable for building the home; people just like you. It is easy for a human to make an error that can show up after the regular warranty has past. By requesting an inspection, a registered inspector will go through and examine everything in the new house to be sure it is in good condition.

The decision to purchase a new house provides an individual many benefits. As a new home owner, you are the first to live in your brand new, beautiful house. You will as well be the one to decide colors, including other elements for your home. This is an exciting purchase, however, be sure that there is not any legal concerns when you opt to purchase a new home. If uncertain, consider asking guidance from a real estate lawyer before your buy.

Article Source: http://www.abcarticledirectory.com

Stefan Hyross has been creating content and following housing topics for years. For up-to-date information on real estate in Markham or to browse through many Toronto condominium listings you can go to these websites. If you are concerned with Windsor real estate you may go to the accompanying site.

source: Isnare.com

Is it Time to Update your Office Equipment?

By: C. Michael Hunter

 

For managers, one cause of frustration in running a department is problematic equipment. The old equipment may include unsophisticated copiers, old-fashioned filing cabinets or typewriters, all of which can greatly affect the daily productivity of each employee. There is now high-tech equipment available to be considered by management for that next office upgrade. The latest equipment is very efficient and would help to increase the productivity of the office. Most employees are probably familiar with most of this newer equipment, allowing for a smooth transition.

Replacing Old Equipment

High-tech devices have become essential and necessary in order to run an office more efficiently. They are very functional, have many features, and with digital technology are very user-friendly and easy to operate. All of these improved devices have the capability of completing tasks quickly and easily, so that any jobs assigned to employees will not be hindered by equipment breakdown and important deadlines can be met. Additionally, each of these multi-functional devices is designed to work compatibly with each another and can be set up on a local area network (LAN) to handle the workload of an entire company. For these reasons, it is an appropriate time to consider replacing old, out-dated office equipment.

Items to Consider

Updating office machines and related equipment can be easier if there is a list of all of the things that need to be updated. The following are some helpful ideas on exactly what things might be needed in such an upgrade.

·  Office Furniture– This is one of the first areas that needs to be considered. Employees spend most of the day sitting in chairs at desks. It should be determined if the chairs are still comfortable or if the desks are still appropriate for current usage. If the furniture is old and not adjustable, it can cause inefficient work management because it is so uncomfortable. Outdated chairs and desks can actually decrease the productivity expected from each employee.

·  Computer Systems – Computers have become the backbone of almost every office; without them, the staff would probably accomplish very few daily tasks. There are very nice desktop computers available that are compact in size, such as those with LCD monitors. These computers and monitors require much less desk space which can significantly reduce clutter. For those employees who spend a log of work time traveling, a thin and handy notebook or laptop computer is ideal for that position.

·  Electronic Upgrades – It is possible to get rid of network wires cluttering an office space by employing wireless technology. There are wireless internet cards available for desktop computers and most new laptops are Wi-Fi ready. This can have a significant increase in the efficiency of the entire staff since work can be accomplished at various locations directly connected to the office network. In addition, all-in-one printers allow a user to print, scan, copy and fax all with one machine that can also be connected to the local area network.

·  Word Processing – For important letters, forms, memos and other such documents, there are word processing programs that are specifically designed for this purpose. In fact, there is certain software that combines several programs into one that provides templates for all important letters, forms and memos. These programs may also include task lists which have the ability to prompt workers about important deadlines, highlighted dates and even message boards and e-mails.

Productivity and performance can be greatly impacted with the type of office equipment being used by a company. It may be necessary to consider investing in comfortable furniture and effective, updated machines and devices that will have the ability to dramatically improve the quality and efficiency of an office. If a company is experiencing countless idle time due to breakdown or inefficiency of the office equipment, it is definitely time for an update!

Article Source: http://www.abcarticledirectory.com

C. Michael Hunter is an expert in commercial real estate and office space information. To find out more about Dallas Office Leases, go to the main website at: www.lcrgusa.com/.

Seven Steps To Selling A Home That You Need To Know

By: Juhlin Youlein

Owning a home in America is one of the most rewarding experiences an individual can endeavor to undertake in their lifetime. After the hassle of purchasing a home is over and all the dust settles, a home becomes a reward hard to express. Although buying a home is one of the most complicated processes or endeavors around, actually living in the home is well worth the hassle.


An important part of owning a home is to wait some time before selling the home. When an individual owns a home the cost of closing on the home can be quite high. Unless a housing market is skyrocketing upward, it may take some time for the equity to build and the return on the investment to be high enough.


As rewarding as owning a home is, growth and moving up in life is rewarding as well. There often comes a point when a neighborhood gets old, a family grows, an income rises and a new home is desired. Here are seven steps to take to prepare for and actually sell a home.


The first step is to make a plan. Planning to move is critical. Figure out what the time frame is going to be. Figure out if the home has to be sold before there will be enough credit to buy a new home. Figure out the details on the housing market in the neighborhood. Most importantly, figure out the important dates and stick to those dates.


The second step is to hire a realtor. A realtor is different from just anyone with a license to sell homes, a realtor is someone with a license who has undertaken extra training and signed onto a higher code of conduct. A realtor is critical step because they will find the right buyers and bring them into the home for showings and take care of hours of work and energy the seller would be a lot less efficient at doing.


The third step to selling a home is to set the price. This step is wise to do after hiring a realtor. The realtor will be able to compare and contrast the other homes on the market in the same neighborhood or community and will better assess what the realistic price a seller should decide on using. When setting the price, a seller will want to set it for the maximum amount they thing they will possibly get for it and then see what happens. Who knows, the original price might be accepted.


The fourth step is to get the house on the market. This is a step for a realtor to do, but in the case a seller does not have a realtor, then advertise in so many different ways. Get it in the paper, signs up, online, or any other form of advertisement.


The fifth step a seller should take is to sell the home. Get offers, compare offers, accept the buyers offer or continue to counter offer until a compromise is made.


The sixth step is to close. Take the home to closing. Remember the important dates set when planning and stick to them. Closing takes a lot of persistence. The buyer will want to sometimes take as much time as they want or need to get plenty of time for inspections and other appraisals. Speed the negotiations along, and get the home out of the sellers hands.


Finally, move out. Moving out can be one of the hardest physical activities one does in there lifetime. If the money is available, it could be wise to hire movers. If not, recruit as much help as possible.

Article Source: http://www.abcarticledirectory.com

Juhlin Youlien writes about Paradise Valley AZ homes, Gilbert AZ homes for sale, Chandler real estate and Fountain Hills Real Estate.


source: Isnare.com