Starting a Small Business – How to Work Smart, Not Hard

More people dream about starting a small business than they do about going to college or seeking promotion.

However, owning a small business is more than just a full time job, it can become your lifestyle.

The lifestyle you create depends on the small business that you create. It is important to find the best small business to start.

There are two types of businesses namely the one where you have to work incredibly hard or the other where you work smart and not hard.

Owing a small business can become your life if you are not careful and disciplined. For example a typical store owner can be in demand twenty four hours a day. His or her day doesn’t end when they go home or when the store closes. Even if they are fortunate enough to be able to afford sufficient staff and are able to successfully delegate, it can be difficult to find staff that you can trust. There are times when it can seem that everyone needs their attention – the staff, the customers, the reps, the family and even the mobile phone. Often business owners are seen to the outside world as being wealthy, prosperous and extremely lucky. Little do they know the hard work and effort required to succeed in a small business. There can be many sleepless nights and worry over how to pay the bills, wages and to buy new stock not to mention the responsibility for the health and safety of staff to comply with the Employment Law. There are also the issues of ensuring equal opportunities and of paying the business taxes and insurances on time on top of bank loans for the business. No wonder many small business owners have health problems due to the pressures that they face.

There is however another type of small business that is less costly to set up and less stressful to run namely a home based small business. The main advantage of this type of business is that it is open to ordinary people as most small businesses can be run from any small room in a house like a study, bedroom or even a garage without incurring huge costs that other businesses and franchises incur. There are no costs for staffing, travelling or rent for the business premises. The turnover, profits and return on your investment can be as big or small as you choose. There are no limits to what you can achieve with this type of small business.

Many choose to start a small business as it offers independence. Many business owners left their jobs to become their own boss as they wanted to make their own decisions, take their own risks but more importantly to reap their own rewards from their effort.

There are many home based business opportunities and it is important to carry out research to establish the best small business to start. There are many internet home based opportunities now available, many of which offer the opportunity to make sales from home. There are unlimited trading possibilities with these types of small businesses due to the global market available. The overheads for these types of businesses are low as there is often only the need to own a computer and a phone. You can also work flexible hours based around your own needs because an internet business does not close down. It is open for business twenty four hours a day. You can even be earning money as you sleep!

This type of small business is often an easy business to start. It can be the best home based business to start as often one to one coaching is offered to help you start a business from home.

This type of business is a successful alternative to a “bricks and mortar business”. It can provide the opportunity to earn more money, work less hours and help provide more time to spend with friends and family. However as with any other small business your business success will be determined by the time and commitment you put into your business but with the right mindset and motivation it is possible to achieve great rewards both financially and on a personal level.

Best Real Estate Areas in Dubai

From a sleepy, pearl diving community to one of the most dynamic and fastest growing cities in the world, Dubai has limitless opportunities to profit from real estate investments. Part of this glowing state of affairs is the fact that Dubai has no income tax. Other reasons include that it is safe and politically stable. Dubai has excellent healthcare facilities and a good education system. The infrastructure is modern, the weather is perfect and leisure activities abound. Don’t forget: salaries are tax-free, a boon to the more than 2 million people who live there.

With all these favorable living conditions, every day more and more people are attracted to living here. In addition, there are limitless job opportunities so that real estate is a safe and growing portfolio investment. Just recently a 7-star hotel has been built, shopping malls arrive regularly filled with merchandise from the most luxurious retailers, and every day new people arrive to live and work. This calls for even more homes and apartments, so real estate continues to be a sure-fire growing investment.

Leading world corporations have invested billions of dollars in Dubai real estate. Lovely apartment complexes and villas have been eagerly sought out by those newly arrived. Real estate law is simple in Dubai: you can sell your property whenever you want and outsiders can own property in Dubai. As property owners they are given a 3 year renewable visa to live in the country. These arrangements make owning property in Dubai simple and hassle-free.

As far as where to live in Dubai, almost every area is safe, clean and filled with shops where you can buy anything you need, from groceries to clothing.

The Dubai Marina district is a sought after area in real estate, and for good reason. This is a beautiful area where one can find luxury villas and apartments, a short distance away from the best dining, shopping and entertainment spots Dubai has to offer.

The Jumeirah Beach Residence area (JBR) is definitely one to consider; it boasts walking strip filled with places to dine and shop opposite a beautiful beach and of course Bluewater island.

Downtown Dubai is one of the most sought after real estate areas in Dubai; it can be described as the heart of the city, bustling with activity and it is home to landmarks such as Burj Khalifa, the tallest building in the world, and the famous Dubai Mall, the world’s largest shopping mall where one can find 1,200 shops.

The area of Al Barsha has one drawback: overhead power lines are everywhere. Other than that, the local shopping is good and the security is excellent.

The Arabian Ranches development is away from the city, so you avoid traffic and construction. It is safe and secure and a wonderful community in which to bring up children. It is near a fine golf course and polo club. However, you’re far from town and have to commute everywhere.

At Umm Suqeim you’ll find old and new residences, ranging from a little run down to magnificent mansions. Rents are fairly reasonable, but they are not cheap. After all, the area is right near the beach and the Burj al Arab hotel. You can shop for everything from antiques to groceries and fresh fish. The location is excellent, with beach access and glorious hotels with all their facilities available to you. You’re near schools and medical facilities. However, traffic can get congested with cars heading to the beach

The areas of L’Safa and Al Wasi have large green parks surrounded by villas and family homes. These are excellent places to live for families with children However, you have to drive everywhere for everything, although not very far.

If you don’t mind paying top dollar for your residence, look to Jumeirah, the most exclusive and desirable area of Dubai. The homes are mainly low rise villas ranging from luxurious to uber magnificent. This address runs along the coast and it has gorgeous views of the ocean.

Top Signs That You Need Small Business Finance

It is easy to start a business. To keep it rolling and then grow is the tough part. As one goes along there will always be instances of cash crunch that prove to be roadblocks to further progress. Smart businessmen always keep lines of finances open so that they can take care of such situations. That is not the only reason to have a line of funding; growth and expansion are also equally viable reasons to have access to funds. There are signs that you need finance for small businesses.

Pay vendors and pay salaries

You are already running a business and your funds are committed. It depends on cash flows to keep it running. All of a sudden a customer may delay payment but you must meet your commitment to vendors and to employees. You may consider borrowing from friends or relatives but there is no guarantee they will be forthcoming. This is when you need small business finance from the right lender. There is nothing wrong in borrowing if one has receivables incoming but which are delayed for some reason or the other.

You secure a large order

Small businesses need large orders in order to make a big leap. If a businessman secures a large order the problem is how will he execute it? He needs to buy raw materials, processes it and supplies it. He needs funds to buy materials and then he must manage while the materials are processed and supplied. It takes time from when he invests to when he recovers the money. This is when small business finance comes in handy. He can process orders quickly and by satisfying customers he can expect even more orders.

Expansion

One may start small and as one grows one finds that the present circumstances stand in the way of growth. Equipment may not be capable of high production that the growing business requires. Premises may be too small and cramped. This is the right type to access finance for small business and expand production capability and move into larger premises. One can engage more staff. It is necessary to take this step and expand or just be left behind as customers cannot wait for orders to be executed and they are likely to shift their business elsewhere.

Promotions

A business may have a satisfactory number of clients but it must always engage in promotions, especially during some seasons. Promotions help keep the business visible and attract new customers and one can explore regular channels as well as others such as online. Periodic campaigns will net more customers and help the business sell its products in bulk. Obtaining finance for small business for these purposes will pay rich dividends.

What Are the Fabric Dyeing Methods?

The process of colouring, by applying fabric dyes to loose fibre, thread and fabric are called fabric dyeing. Being carried out for thousands of years, it has experimented in many different ways until today, and good results have been obtained. At the present time, Viktoria Fabric Dyes, which is one of the biggest brandmarks of fabric dyeing, suggests 3 different styles of it. These are; Bucket or Sink Method, Boiling Method and Washing-Machine Method. These methods will be explained in the following passages.

I. Bucket or Sink Method
• This fabric dyeing method is carried out by filling a bucket or a large container with water or occluding the drain of the sink; so as to fill it with water.
• If the operation is carried out somewhere out of the sink; the cover should be spread so as not the water to flow out.
• Before starting this fabric dyeing operation, the sink or the bullet should be filled with 60 C hot water, as the experts advise, and the powder fabric dye should be dissolved with hot water in another container.
• If the colour is too light, a little bit more dye should be added, but if it is too dark hot water should be added.
• The dissolved dye should be poured to the place where the water is and should be stirred for a while.
• After being cleared of all of its stains, the object to be dyed is put where the dye is, by being wet, and water and the dye are stirred for 10 minutes, without giving a break.
• The fabric that is kept in the water for at least half an hour and mostly for an hour, is taken out of the water when decided that it has the expected colour.
• Just after dyeing, Fiske fabric dye stabilizer is applied in accordance with the instructions.
• You should then rinse the dyed fabric with cold water. After this, wash your fabric with warm water and a soft detergent; rinse it and dry it. After getting dried, your fabric will have the expected colour.

II. Boiling Method
Boiling is another method used for fabric dyeing.

• A large pot in which fabric can move easily is filled with water and this pot is put on the cookstove. The cookstove is switched on and when the water begins boiling the dye is added into the water.
• The object to be dyed is wetted and thrown into the water.
• The object to be dyed is put where the dye is, by wetting; after being cleaned of all its stains. It is stirred in the first 10 minutes without giving a break.
• After this step, rinse the dyed fabric with cold water. Then, wash your fabric with warm water and soft detergent, rinse and dry it. After drying, your fabric will have the expected colour.

III. Washing Machine Method
You can easily dye your fabric with washing machine fabric dyeing method.
• The temperature level of the washing machine should be fixed at the highest level. Also, the time setting should be fixed in a way that the machine will operate at least 30 minutes.
• The fabric dye is melted completely by stirring it with hot water in a plastic pot. In it, 1 teaspoon of washing-up liquid is added.
• In another pot; if cotton or linen is being dyed, salt should be dissolved in 4 glasses of very hot water; and if silk or nylon is being dyed, a cup of vinegar and 2-4 glasses of hot water should be blended(mixed( together.
• Firstly the dye, and after that, the vinegar and salt are spilt into the detergent box of the washing machine and it should be switched on.
• After the machine stops, the dyed fabric is washed one more time with warm water and it becomes ready to use.

Elderspeak and Invisible Old People

This past September (September 1st to be exact) I was in a wheelchair in an emergency room with a fractured knee cap that occurred in a moment of fully lucid but impaired equilibrium. But here’s the good news: the bottle of beer I was carrying remained unscathed. No shattered glass or a drop of foamy goodness was lost. (That takes talent!) I should have known better than to imbibe in the second bottle of brew but as the saying goes, “What the heck. I was having a good time.” Even better news: the white jeans I was wearing survived without a mark or tear.

Have I learned my lesson? Yes, of course, I have. I’m not a dumb bunny. I no longer drink beer. I now drink white wine. Best of all, my sense of humor remains intact.

After a long wait in the emergency room, I was wheeled into a room by an attendant who thought I was his “sweetie” and waited some more for a nurse (or anyone) to appear. My daughter and son-in-law were standing behind my chair when a nurse arrived. Then the fun began. As if I was not there, the nurse asked my daughter for details about how my injury occurred.

I was thinking, “Why isn’t the nurse asking ME those questions. It’s MY injury!” Irritation gnawed at me until I finally swung the bulky chair around to face the nurse, hitting a few cabinets in the process. (I should have turned the chair before she entered the room but the space was small.) In a calm, polite tone of voice, I said, “Excuse me, I can hear and understand everything you say and I can answer all your questions. You can speak to ME. I’m not senile.” And I smiled.

The poor woman was taken aback. No one had probably spoken to her like that before. After all, she was just applying the accepted protocol for dealing with an old/older person – it’s a cultural thing, a “given” – white hair equals incompetence or senility. In her eyes, she had done nothing wrong. I knew that and that’s why I intentionally spoke to her in a calm, polite tone of voice.

Old people get used to and even expect (but don’t like) to be treated as if they don’t exist or are incompetent. It’s a societal assumption that old people can’t think clearly or remember much and they can’t hear or understand if you speak too softly or too fast. After all, most old people are senile or close to it so you have to be patronizing and deal with them as if they are children. Really? REALLY?

Not all old people are on the brink of senility – most are not even close. Mature people function quite well if they are spoken to with respect and treated with the assumption they are competent. If they are mentally impaired, acknowledge their existence and treat them respectfully.

Let’s get to the elderspeak element of the “old people are invisible” syndrome which I already experienced before I became invisible. It is beyond annoying and disrespectful. Here is an unrelated example, but typical of the elderspeak iceberg:

My sister and her husband were dedicated runners. They were “mature” – not teenagers. On their daily run around the community and their neighborhood, neighbors, sitting on their front lawn, many with a can of bubbly in their hand, yelled to them as they flew by, “you guys are so cute!” Was my sister angry? You bet. Please don’t call mature persons “cute”. A six-year-old child is cute. To call an elder “cute” is as demeaning and infantilizing as it gets.

Here’s more: If you are a healthcare worker, a mature female patient you just met is not your “sweetie” or “honey”. Terms of endearment are appropriate only when there is a romantic relationship. Egads! What a revelation! An old person in a romantic relationship? [gasp!] That’s disgusting! Really? No, it’s not. Oh, one more thing: Do not call me “young lady”. It’s patronizing, demeaning, condescending and disrespectful. (Okay, okay, I’m being overly sensitive – and grumpy.)

If those in authority call you cute or utter another term of endearment, it’s tempting to want to haul off and smack them into reality, but don’t give in to the temptation. Turn it around on them and tell them how cute they are, and what a sweetie pie they are for telling you how cute you are. Be sure to smile as you do it. Take note of their flustered or confused reaction.

Facts About Medicare Insurance The Government’s Website Doesn’t Explain

When it comes to investigating Medicare options, many personal financial educators refer individuals to the Medicare.gov website. The official U.S. government website for Medicare is, without question, the most comprehensive of informational portals.

But it can be overwhelming. Especially for the 11,000 men and women who turn 65 every day and first become eligible for Medicare. For most, the terminology is tantamount to learning a new language. Medicare health care plan options are more complex and varied than most are used to.

And, there are some important things the government website doesn’t tell you. For example, it fails to clearly point out the importance of your first plan enrollment. Nowhere on the website does it say that the Medicare plan choice may be irrevocable.

Nor does it really explain what questions to ask before choosing a plan. The Medicare.gov does a great job of offering impartial comparisons, such as premium rates. But when it comes to subjective elements, these are something the website can’t obviously address.

Anyone who has been Medicare eligible for a few years will tell you that selecting the right Medicare plan is not easy. In fact, some industry estimates find that between 25 and 40 percent of people switch after making a choice. Navigating the complexity is especially hard when you are first eligible for Medicare. That’s more so if your current or prior healthcare coverage consisted of a few options pre-selected by your employer or trade union.

One of the Medicare.gov features is the appearance of being able to directly connect with an insurance company. And while it’s logical to think that ‘buying directly’ is going to be better and save you money, it’s simply not true. Quite the contrary. It could be a significant and costly mistake.

The following are things to consider when using the Medicare.gov website as shared by the American Association for Medicare Supplement Insurance, a national advocacy and educational organization.

1. Medicare.gov is much easier to use for Medicare Advantage (MA) plans. But that is just one of the options available to you. It may or may not be your best option. For those who prefer to see any doctor or specialist, only a Medigap plan offers that option. For those who travel or spend time in another state, a Medicare Advantage might not cover you outside of your primary area.

2. The Medicare.gov website doesn’t make it easy to understand things that matter such as in-network, out-of-pocket costs, drug plan coverage, coordination with Veteran’s coverage and Medicaid. “In Network” matters if you decide a Medicare Advantage plan is best for you. Knowing which local doctors, hospitals and especially specialists participate can be tricky to find on your own.

3. Medicare.gov’s Plan Comparisons seem very detailed. But they miss some important information that’s vital. For example, the decision you make when turning 65 could be irrevocable. Switching Medicare plans is not always possible. Medicare.gov does not tell you what’s possible if you don’t like your choice or when your chosen plan changes. These are all very important things to know before locking in a choice.

4. Medicare.gov’s Plan Finder prescription drug search can be confusing for those taking multiple medications. It’s especially important for the millions who take insulin medications.

5. Medicare.gov lists Medicare Advantage plan ancillary benefits (vision, dental, etc.). Unfortunately, there’s little detail of specifically what’s covered in terms of benefits and service providers.

Buying direct from an insurance company such as UnitedHealthcare (NYSE: UNH), Aetna (NYSE: AET), Cigna (NYSE: CI), or Humana (NYSE: HUM) — several of the leaders – or calling an 800-number may or may not be your best option. Is the person on the other end of the line a captive agent for the particular insurance company? Do they get some incentive for touting one particular plan over another?

Comparing Medicare plan options is always your smartest move. A local Medicare professional who is knowledgeable in local options including Medicare Advantage, Medicare Supplement and prescription drug plan choices can be a well spent hour. Today most insurance agents will arrange an online meeting to discuss options and answer questions.

A national online directory listing Medicare insurance agents is offered by the American Association for Medicare Supplement Insurance. Access is free and private, unlike most websites that require you enter information before displaying results. Whether you are turning 65 or just have Medicare insurance questions you want answered, it’s a resource worth knowing about.

That local expertise and experience comes at no cost. And, the same plans that are available online or available directly from the insurance company can be sold by an agent appointed with the particular company. Perhaps most important, it’s available for the very same cost.

OK Preservities In Our Skincare, Natural or Not

There’s been a lot of talk on Social Media about the safety of preservatives these days and that’s a good thing! There is unfortunately a lot of misinformation as well. Let’s set the record straight!

Any product that is made with water requires a preservative. It’s to prevent bacteria, mold, fungus or other critters from growing in the product. Preservatives are needed to prevent contamination. Let’s talk about the preservative, Phenoxyethanol, specifically.

It rates a four on the Cosmetic safety database (0-10 scale, and four is measured at its most concentrated and isolated level, which means it’s not measured in a product). Pretty good, considered most other preservatives are measured at around seven or higher.

So let’s put it in perspective. Penoxyethanol is approved at 1% in products (Canada, Japan, and The European Union). When you consider toxicity is relative to dosage, 1% makes this is a very low risk. (Look at your label, and your preservative should be the last item on the list. Ingredients are listed in order of percentage, from the highest to the lowest. So the last ingredient on the list basically means it is the one at the lowest amount in your product).

It is also important to know how to decipher the information you read about. It’s sometimes easy to panic when you see a list of warnings, restrictions, numbers on scales, and jump to conclusions.

Penoxyethanol is a safe preservative that is approved for use at a very low dosage percentage (1%). Think of it in a 240ml/8oz bottle of lotion, for instance. At 1%, it is not a lot of preservative in your product.

Certain chemicals on their own can be concerning, but when combined are harmless. Let’s use the example of Lye. Horrible stuff on its own but mix it with water and oil and it creates soap. Add Olive Oil and you now have a soap gentle enough for children!

And.. be aware of those who might suggest that “if you can’t pronounce it, it shouldn’t be in your skincare. After all, Penoxyethanol is certainly not an easy word of the toung; but as we have disussed, you are better off to have this in your “Natural” or “Clean” skincare, than to put up with the many other chemicals available and so often utilized.

Finally, read your labels, ask questions and remember… Just because there’s a recipe on the internet for a great body scrub, it doesn’t make everyone a chemist.

Why You Don’t Need Laxatives for Weight Loss or Colon Health

Digestive health is easy to maintain, and you don’t need laxatives to maintain great colon health. Learning what your best proteins are, and combining them in your genetic zone of eating, you can keep being happy healthy and IBS free,even through old age.

Taking laxatives is dangerous for your health. Removing electrolytes from your body can damage your brain and cause seizures. Suppose you are driving and have a seizure. This could take your life unnecessarily.

Taking laxatives can have a rebound effect on your small intestine and colon. Your small intestine cannot absorb the nutrients your body needs, and the colon will stop working naturally, when it is being told when to work. This can lead to a damaged colon which has to be cut out and attached to your stomach with a colostomy bag to the outside for waste collection.

Taking laxatives causes your kidneys to shut down. When you remove all the water from your body through your colon, there is no reason for the kidneys to work, and they can shut down, causing you to have to go on dialysis.

Lastly, taking laxatives, can damage your heart. The electrolyte balance must be maintained for healthy signaling and rhythmic beating. Removing all the electrolytes from your system damages this delicate balance.

Learning how to fine-tune your eating for your best digestive health, starts with a book to learn which proteins work for your genetic blood type. Next learning which zone will work for you can be done by a simple genetic test. Are you low carb, or low fat. Are you balanced, or Mediterranean? Do you feel better eating protein, or vegetables?

Do you have any genetic aberrations, that could cause you to need additional nutritional support is another thing the simple genetic test will tell you. 40% of the population has MTHFR and eating the foods you need to support this condition will keep your colon clean and you happier and healthier.

Depending on supplementation can cause problems, because over supplementation, can cause a buildup of folic acid in the system, leading to cancer or an auto immune disease.

Learning how to manage your portion sizes, so you can help your colon heal. You may then learn how to maintain your best aging weight as well as keep your colon happy.

A happy balance of proteins and vegetables, for lunch or dinner.Fruits and fortified cereals with almond milk or fruit with yogurt or quinoa. You pick what you like best.

Learn which proteins are best for you, and which to avoid. Being open to change helps, because change is necessary to keep belly fat off.

The free newsletters, where you can get free coaching, and learn how to fine tune your eating.