contingency http://www.artwoo.com Returned search results for contingency Copyright 2008 Sun, 23 Nov 2008 03:00:17 +0000 http://www.artwoo.com/rss/contingency Small Business Loans and Plan B Contingency Finance Strategies http://www.artwoo.com/article/small-business-loans-and-plan-b-contingency-finance-strategies http://www.artwoo.com/article/small-business-loans-and-plan-b-contingency-finance-strategies#comments Tue, 16 Sep 2008 07:01:31 +0000 working capital managementcontingency planningbusiness borrowerssmall business ownersrunning a successful businessrare birdsrelevant line http://www.artwoo.com/article/small-business-loans-and-plan-b-contingency-finance-strategies small business owners. However it seems that the concept of is overlooked all too often with regard to commercial loans and working capital strategies.

One of the most entertaining and effective depictions of contingency planning can be witnessed in a movie called "". This movie stars William Hurt and includes a particularly , "Always have a Plan B", that is repeated several times. The movie should be seen by any business owner who doubts the importance of contingency plans.

The usefulness of a Plan B mentality is likely to be beneficial to many aspects of . For various reasons, however, contingency planning appears to be under-utilized when business owners are seeking new working capital via business financing strategies such as commercial mortgages and business cash advances.

Contingency planning might be under-utilized when business owners are seeking commercial financing simply because assume that there are not effective alternatives to the working capital financing they are seeking. As a result, many business owners might believe that it would not make sense to explore a contingency financing plan. A practical benefit of viewing the recommended movie is that it will become second nature to realize at times like this that businesses should "Always have a Plan B".

Plan B contingency business financing can be viewed as insurance to protect a business owner in the event that something goes wrong with their . A few examples are provided below.

First, many small businesses have commercial loans that contain recall provisions that permit the lender to review the financing each year. With such terms, the lender can continue a business financing role for some borrowers and selectively eliminate what they consider to be marginal loans by exercising the recall clause. If they do, the borrower will need to pay off the entire loan or refinance within a limited period of time. The best solution for avoiding this possibility is to review current business loans and explore Plan B refinancing options if recall terms are included.

Second, a number of local banks throughout the United States have recently decided to pull the plug on future business financing. When they do so, very little advance notice has been provided in most instances. If a business has commercial loans or commercial mortgages with a regional or local lender, a Plan B should be developed for the contingency that alternative business loan arrangements could be needed in the near future.

Third, many providers for business cash advances are notorious for making unrealistic promises regarding the timing and terms for their financing. To prepare for this increasingly-common possibility, business owners should engage in thorough discussions with a working capital advance advisor before proceeding. Unlike the first two examples, in this case the Plan B approach must occur before financial arrangements are completed.

Fourth, many lenders for SBA financing, commercial mortgages and business opportunity loans are equally guilty of over-promising and under-delivering. This seems to occur disproportionately with local banks. Similar to the recommended business cash advance approach, commercial borrowers should pursue Plan B contingency financing. The ideal timing for discussing alternative commercial financing options is before committing to a specific lender.

"Always have a Plan B" is the connecting theme for the examples described above as well as other circumstances in which contingency planning is appropriate for business financing. The presence of a Plan B mentality is likely to contribute to many aspects of running a successful small business in addition to improving commercial loans.Avoid mistakes with commercial loans - Steve Bush is a small business loans expert. Strategies for working capital financing and business cash advances at AEX Commercial Financing Group => AEX Commercial Mortgages]]> How To Choose A Personal Injury Attorney http://www.artwoo.com/article/how-to-choose-a-personal-injury-attorney http://www.artwoo.com/article/how-to-choose-a-personal-injury-attorney#comments Wed, 19 Mar 2008 19:14:57 +0000 personal injury attorneyspersonal injury attorneymany different reasonsbetter business bureaupersonal injury casesemployment interviewmedical malpractice http://www.artwoo.com/article/how-to-choose-a-personal-injury-attorney
When you have been injured, whether it is an accident or , it is very important to seek legal advice for . The greatest reason being that you need to know your rights and protect yourself and your property.

s are trained to deal with personal injury only; they do not take any other type of case. What many people do not know is that the majority of never make it to court, and this is because personal injury attorneys are more familiar with the laws and are more likely to negotiate a larger settlement for you out of court. In fact, more cases are settled in conference rooms than in courtrooms.

When you first decide to consult an attorney, it is more than just going through the phone directory and choosing one. There are many factor involved in this decision that will take a lot of thought and consideration.

There are several different types of attorneys and you need to find one that is best suited for your case. You do not want to go through the whole process and end up with a small settlement or no settlement at all.

Check on the reputation of the attorney that you are considering, and do not choose the first one that comes along. By making a call to your local or the state bar association, you will be able to find out all you need to know about an attorney to make an informed decision.

Think of hiring a personal injury attorney as an . Ask as many questions as you can think of and gauge the response of the attorney. You may interview as many as ten attorneys before you find the one to hire, however this process is necessary in order to find the right attorney for you.

Observe the body language of the attorney. If forthright, he or she will look you in the eye when speaking to you. Avoid the one's that look at your nose or shift positions too often.

As with any interview process, ask for references by doing this, you can decide if the attorney is true to what he or she has told you in the interview.

Making sure that the attorney has won more cases then he or she has lost will give you confidence in knowing that he or she is competent to handle your case.

It is important that you find a personal injury attorney that will take you case on contingency. This means that you will not have to pay any up front fees. All fees will be deducted from your settlement; this includes all attorney fees.

Usually a contingency attorney will charge one third of the settlement for his or her fees. An added benefit to a contingency attorney is that if you do not receive a settlement, he or she does not get paid. This make them work harder for you.

If you are still unsure of who to choose for a personal injury attorney, ask family and friends if they have any recommendations. Usually someone will know of a good attorney for you to check out.

Finding a good personal injury is not a difficult process, however can be time consuming. If you find yourself in need of a personal injury attorney, it is crucial that you start your search as soon as possible. Peter Geisheker is the CEO of The Geisheker Group international marketing company, which provides high quality results-driven marketing services to businesses of all types and sizes including law firms. http://www.marketing-consulting-company.com ]]> How Much Money Does Your Business Need? http://www.artwoo.com/article/how-much-money-does-your-business-need http://www.artwoo.com/article/how-much-money-does-your-business-need#comments Wed, 31 May 2006 12:32:04 +0000 contingency planningentrepreneurscockeyed optimistmoneycontingenciesinvestorscash budget http://www.artwoo.com/article/how-much-money-does-your-business-need entrepreneurs. The fact is though, both over and underestimating the amount of capital needed to fund a business can have serious negative consequences.

Underestimating what you need can cause problems ranging from having to go through the whole time consuming fund raising process again, to having to shut down the company because funds have run dry. Having to go back to the original and ask for more often undermines the entrepreneur's credibility with the investors and can cause a significant dilution in the founder's ownership.

Obtaining more than enough capital may seem like a blessing at first, but it can breed a lax attitude toward expense control. "If you have it, spend it," is not an advisable motto for a new company. If the investment takes the form of equity, raising too much money means that the founder's share of the business was reduced more than was necessary--and this violates one of the maxims of entrepreneurship: hold on to those equity points!

Typical advice given to entrepreneurs is to do a cash flow projection, or , and then add 10%, 20% or even 50% to this amount, for "." These contingencies are all the things that can go wrong in a start-up venture, all the unfavorable events that can negatively affect results.

is a skill that does not come easily to all entrepreneurs--even those with a finance background. How do you get the (what you absolutely must be to even conceive of the idea of the starting a company), who expects the best, to plan for the worst?

To stimulate contingency planning, it helps to look at the reasons why entrepreneurs so consistently run out of money; among these are:

Not realizing how expensive it is to introduce a new product, especially consumer products, on a national basis.

Not realizing how long it takes to introduce a new product, or for the market to truly accept the product.

Delays in regulatory approval, municipal zoning, or patent approval.

Assuming that a small start-up company will get the same forbearance on payments and favorable terms that a large one will.

An entrepreneur with an early stage company must be prepared for one or more of these situations to occur. Contingency planning doesn't mean simply adding a percentage or dollar "cushion' to the amount of capital being sought from investor or lenders. It is a way of thinking--a recognition that the entrepreneurial road is always rocky. Envisioning what might go wrong does not equate to entrepreneurs losing faith in their product or their company; it means they accept these difficulties as steps on the path to prosperity. Dee Power and Brian Hill are the authors of "Inside Secrets To Venture Capital," and "Attracting Capital From Angels," both published by John Wiley and sons. Subscribe to their complimentary newsletter. Send an email to newsletter@capital-connection.com with subscribe in the subject. The website for enterpreneurs http://www.Capital-Connection.com ]]> How Much Money Does Your Business Need? http://www.artwoo.com/article/how-much-money-does-your-business-need http://www.artwoo.com/article/how-much-money-does-your-business-need#comments Wed, 31 May 2006 09:32:12 +0000 contingency planningentrepreneurscockeyed optimistmoneycontingenciesinvestorscash budget http://www.artwoo.com/article/how-much-money-does-your-business-need entrepreneurs. The fact is though, both over and underestimating the amount of capital needed to fund a business can have serious negative consequences.

Underestimating what you need can cause problems ranging from having to go through the whole time consuming fund raising process again, to having to shut down the company because funds have run dry. Having to go back to the original and ask for more often undermines the entrepreneur's credibility with the investors and can cause a significant dilution in the founder's ownership.

Obtaining more than enough capital may seem like a blessing at first, but it can breed a lax attitude toward expense control. "If you have it, spend it," is not an advisable motto for a new company. If the investment takes the form of equity, raising too much money means that the founder's share of the business was reduced more than was necessary--and this violates one of the maxims of entrepreneurship: hold on to those equity points!

Typical advice given to entrepreneurs is to do a cash flow projection, or , and then add 10%, 20% or even 50% to this amount, for "." These contingencies are all the things that can go wrong in a start-up venture, all the unfavorable events that can negatively affect results.

is a skill that does not come easily to all entrepreneurs--even those with a finance background. How do you get the (what you absolutely must be to even conceive of the idea of the starting a company), who expects the best, to plan for the worst?

To stimulate contingency planning, it helps to look at the reasons why entrepreneurs so consistently run out of money; among these are:

Not realizing how expensive it is to introduce a new product, especially consumer products, on a national basis.

Not realizing how long it takes to introduce a new product, or for the market to truly accept the product.

Delays in regulatory approval, municipal zoning, or patent approval.

Assuming that a small start-up company will get the same forbearance on payments and favorable terms that a large one will.

An entrepreneur with an early stage company must be prepared for one or more of these situations to occur. Contingency planning doesn't mean simply adding a percentage or dollar "cushion' to the amount of capital being sought from investor or lenders. It is a way of thinking--a recognition that the entrepreneurial road is always rocky. Envisioning what might go wrong does not equate to entrepreneurs losing faith in their product or their company; it means they accept these difficulties as steps on the path to prosperity. Dee Power and Brian Hill are the authors of "Inside Secrets To Venture Capital," and "Attracting Capital From Angels," both published by John Wiley and sons. Subscribe to their complimentary newsletter. Send an email to newsletter@capital-connection.com with subscribe in the subject. The website for enterpreneurs http://www.Capital-Connection.com ]]> How Much Money Does Your Business Need? http://www.artwoo.com/article/how-much-money-does-your-business-need http://www.artwoo.com/article/how-much-money-does-your-business-need#comments Wed, 31 May 2006 12:32:07 +0000 contingency planningentrepreneurscockeyed optimistmoneycontingenciesinvestorscash budget http://www.artwoo.com/article/how-much-money-does-your-business-need entrepreneurs. The fact is though, both over and underestimating the amount of capital needed to fund a business can have serious negative consequences.

Underestimating what you need can cause problems ranging from having to go through the whole time consuming fund raising process again, to having to shut down the company because funds have run dry. Having to go back to the original and ask for more often undermines the entrepreneur's credibility with the investors and can cause a significant dilution in the founder's ownership.

Obtaining more than enough capital may seem like a blessing at first, but it can breed a lax attitude toward expense control. "If you have it, spend it," is not an advisable motto for a new company. If the investment takes the form of equity, raising too much money means that the founder's share of the business was reduced more than was necessary--and this violates one of the maxims of entrepreneurship: hold on to those equity points!

Typical advice given to entrepreneurs is to do a cash flow projection, or , and then add 10%, 20% or even 50% to this amount, for "." These contingencies are all the things that can go wrong in a start-up venture, all the unfavorable events that can negatively affect results.

is a skill that does not come easily to all entrepreneurs--even those with a finance background. How do you get the (what you absolutely must be to even conceive of the idea of the starting a company), who expects the best, to plan for the worst?

To stimulate contingency planning, it helps to look at the reasons why entrepreneurs so consistently run out of money; among these are:

Not realizing how expensive it is to introduce a new product, especially consumer products, on a national basis.

Not realizing how long it takes to introduce a new product, or for the market to truly accept the product.

Delays in regulatory approval, municipal zoning, or patent approval.

Assuming that a small start-up company will get the same forbearance on payments and favorable terms that a large one will.

An entrepreneur with an early stage company must be prepared for one or more of these situations to occur. Contingency planning doesn't mean simply adding a percentage or dollar "cushion' to the amount of capital being sought from investor or lenders. It is a way of thinking--a recognition that the entrepreneurial road is always rocky. Envisioning what might go wrong does not equate to entrepreneurs losing faith in their product or their company; it means they accept these difficulties as steps on the path to prosperity. Dee Power and Brian Hill are the authors of "Inside Secrets To Venture Capital," and "Attracting Capital From Angels," both published by John Wiley and sons. Subscribe to their complimentary newsletter. Send an email to newsletter@capital-connection.com with subscribe in the subject. The website for enterpreneurs http://www.Capital-Connection.com ]]> How Much Money Does Your Business Need? http://www.artwoo.com/article/how-much-money-does-your-business-need http://www.artwoo.com/article/how-much-money-does-your-business-need#comments Wed, 31 May 2006 12:32:04 +0000 contingency planningentrepreneurscockeyed optimistmoneycontingenciesinvestorscash budget http://www.artwoo.com/article/how-much-money-does-your-business-need entrepreneurs. The fact is though, both over and underestimating the amount of capital needed to fund a business can have serious negative consequences.

Underestimating what you need can cause problems ranging from having to go through the whole time consuming fund raising process again, to having to shut down the company because funds have run dry. Having to go back to the original and ask for more often undermines the entrepreneur's credibility with the investors and can cause a significant dilution in the founder's ownership.

Obtaining more than enough capital may seem like a blessing at first, but it can breed a lax attitude toward expense control. "If you have it, spend it," is not an advisable motto for a new company. If the investment takes the form of equity, raising too much money means that the founder's share of the business was reduced more than was necessary--and this violates one of the maxims of entrepreneurship: hold on to those equity points!

Typical advice given to entrepreneurs is to do a cash flow projection, or , and then add 10%, 20% or even 50% to this amount, for "." These contingencies are all the things that can go wrong in a start-up venture, all the unfavorable events that can negatively affect results.

is a skill that does not come easily to all entrepreneurs--even those with a finance background. How do you get the (what you absolutely must be to even conceive of the idea of the starting a company), who expects the best, to plan for the worst?

To stimulate contingency planning, it helps to look at the reasons why entrepreneurs so consistently run out of money; among these are:

Not realizing how expensive it is to introduce a new product, especially consumer products, on a national basis.

Not realizing how long it takes to introduce a new product, or for the market to truly accept the product.

Delays in regulatory approval, municipal zoning, or patent approval.

Assuming that a small start-up company will get the same forbearance on payments and favorable terms that a large one will.

An entrepreneur with an early stage company must be prepared for one or more of these situations to occur. Contingency planning doesn't mean simply adding a percentage or dollar "cushion' to the amount of capital being sought from investor or lenders. It is a way of thinking--a recognition that the entrepreneurial road is always rocky. Envisioning what might go wrong does not equate to entrepreneurs losing faith in their product or their company; it means they accept these difficulties as steps on the path to prosperity. Dee Power and Brian Hill are the authors of "Inside Secrets To Venture Capital," and "Attracting Capital From Angels," both published by John Wiley and sons. Subscribe to their complimentary newsletter. Send an email to newsletter@capital-connection.com with subscribe in the subject. The website for enterpreneurs http://www.Capital-Connection.com ]]> Hiring The Best Lawyer http://www.artwoo.com/article/hiring-the-best-lawyer http://www.artwoo.com/article/hiring-the-best-lawyer#comments Tue, 25 Jul 2006 20:27:09 +0000 tax lawyerlawyersfree consultation servicesserviceretainer feescontingencycourt cases http://www.artwoo.com/article/hiring-the-best-lawyer
There are many different reasons why some one can be need of a . That is why there are so many different lawyers to chose from. There are many areas of law in which a lawyer can specialize. You wouldn't hire a to represent you in a car accident case.

Depending on your legal situation you may or may not need a lawyer. Some small claims are easily handled by your own representation. This is why most lawyers offer . It is after the initial consultation a lawyer can decide whether it is worth it for you to obtain their services. If it is decided you are in need of their service they then will present the cost of retaining their services. are the first payment just to obtain their service. They will also be able to tell you how much your total cost will be.

Some lawyers work on what is called . Contingency is what the lawyer will earn if your case is won. There is usually no up front costs for this. The way it works is your lawyer will take around 33% of the money awarded to you in your case. So if you had a case that was for an award amount of $1500.00 your lawyer will take about $500.00 or so.

Hiring the right lawyer can be the key to winning your case, especially if you have a strong case. Some things you would want to know about your lawyer are their credentials. You would want to know how many cases they have won, their amount of court room experience, have they settled a lot of cases out of court and are they licensed to represent you in your state. You should feel comfortable and confident with the lawyer you chose. You should feel that you trust your lawyer can adequately handle your case. You could ask to see if they have a portfolio to help you determine whether they are good enough for you to hire.

Most people don't ever anticipate a need for a lawyer so it is hard for them to know what to ask and do before obtaining their services. Unless you are a Business Corporation or proprietor you wouldn't really already have your own lawyer. So if you find your self in need of a lawyers service you should ask them the right questions. Also remember this is something they may affect you financially or criminally. You don't want a lawyer who takes on multiple cases at once for really low rates. You should feel that they are focused on your needs and are determined to win you case. You also want them available to answer your questions when you are feeling uncertain about your suit.

Remember this can be a win or lose situation and if you don't chose wisely you may regret it. Robert Michael is a writer for Db Lawyer which is an excellent place to find lawyer links, resources and articles. For more information go to: http://www.dblawyer.com ]]> How To Find A Good Lawyer In St. Petersburg http://www.artwoo.com/article/how-to-find-a-good-lawyer-in-st-petersburg http://www.artwoo.com/article/how-to-find-a-good-lawyer-in-st-petersburg#comments Sun, 16 Nov 2008 03:29:27 +0000 free consultancyfinding a lawyerpay packetcareer recordgroundworkfamily and friendscredentials http://www.artwoo.com/article/how-to-find-a-good-lawyer-in-st-petersburg Finding a lawyer suited to your needs is tough business. You find a cheaper practitioner, and he just fails to live up to your expectations. The results you were looking for were just too high, you feel at the end of your case! And are you one who has won your case on your terms? Keep a fat handy, because you'll need it soon!!

The familiar difficulties in finding out if you should go for a particular lawyer can be dealt with by testing if he or she was referred to you by someone. If yes, then you could probably go along well with this lawyer. Of course, you should also take into consideration who has referred it to you. But referral automatically gives you the freedom and easiness to talk with your lawyer. Otherwise, the trust has to be built through experience, which again, cannot be gained in two days. But even if someone has referred a particular lawyer to you, a little bit of on him and your case is essential to ensure that you have the best you could afford.

Now, if you know whom to find, start searching. It is natural to go first to known people like and relatives. No help from there? Try to gather as much information as you can about lawyers on the internet. Be careful when you choose. Look at their , their past history and their . Only lawyers with a good bit of experience and a healthy winning percentage can be absolutely trusted, since though they might charge you a higher fee, you'll find that their presence makes it a lot easier for you to win your case.

A good way to find out if a lawyer is good and reliable is to ask their previous patients. They'll tell you all about how good he is in such type of cases and how ordinary he is in other types. Also, seek since many lawyers do actually offer their opinion free. It is easier to get referrals from them while you are looking for the right kind of lawyer.

What next? You must have found out your lawyer by now and the only thing left is to talk over the fee. A good lawyer will always demand a retainer or fee initially just for appointing them on a case. Added to this comes the hourly charges for consultation and in some cases contingency, or the percentage of money your lawyer will be able to claim if he can win the case for you. And if your lawyer is a very good one, the contingency can simply go up to a hefty 40%!!!

But do not hesitate to pay your lawyer if you know that he is really good and can win you the case almost certainly. Realizing the potential of your lawyer is vital in approaching your case. A renowned lawyer takes money, but he can also win you the case with all his experience and skill in his profession. So it is better to spend on him than hire a cheaper substitute as the latter might cost you more in the long run.To find a higly qualified St Petersburg Lawyer please visit our St Petersburg Law Office]]> Living With Headache During Pregnancy. http://www.artwoo.com/article/living-with-headache-during-pregnancy http://www.artwoo.com/article/living-with-headache-during-pregnancy#comments Sun, 19 Nov 2006 00:27:02 +0000 migraine headachemigraine headachespregnancy problemsduring pregnancyprevention is better than curepoor posturemedication http://www.artwoo.com/article/living-with-headache-during-pregnancy during pregnancy is most unwanted. A sickness related to your head is not at all welcome. With headache on, the whole thinking faculty slumps. You are just confused, and you do not know what to do.

In the state of pregnancy, you need to think twice and deeply before you take any type of . Because the medication affects you, and the growing baby within! Therefore, headache, during pregnancy, becomes the highly unfavorable experience. But all pregnant women have to undergo this suffering. This occurs during the first and the last trimesters.

If you get the headache during the first three months the reasons could be the initial stresses related to the pregnancy, increased blood volume and the obvious hormonal changes.

During the final three months, it is a different story. In this advanced stage of pregnancy, problems related to exert pressure on various parts of your body. You have the additional responsibility of carrying the extra weight. When your posture is not in tune with the normal laws of gravitation, you feel physical discomfiture and the brain gets continuous distress signals, which could be the reason for the headache during pregnancy.

s during pregnancy are to be treated on a different footing. Strange though, women may experience fewer headaches during pregnancy, but again a small percentage of them will suffer more . Any medication for this contingency of migraine headache will only be in consultation with the physician. If you plan to start a family, do consult the physician about your migraine problem.

. The first and the foremost care to avoid headache during pregnancy is to avoid those items, the known triggers like cheese, chocolates, and spicy foods. Take plenty of fruits and vegetables. The balanced approach may avoid the contingency of headache altogether.

Don't treat just headache, try to locate the cause of your headache. You must have had several headaches in the past, and you are rich with their treatment experiences. If you have the stress headache, don't take the medication of the sinus headache. But, if you have any other complications, along with the headache, do consult your physician.

You need to take extra care if you have certain serious ailments. For example if you are a diabetic patient, you are not advised to take any over the counter medications, without consulting your physician.

Tow heads are always better than one! Do consult your physician! Don't take your own decisions! To get more info on pregnancy headache, pregnancy headache symptoms, Diagnosis of headache symptoms and Causes of Headache visit http://www.headacheupdates.com/migraine/ ]]> Many Eggs In Many Baskets http://www.artwoo.com/article/many-eggs-in-many-baskets http://www.artwoo.com/article/many-eggs-in-many-baskets#comments Wed, 01 Nov 2006 06:27:03 +0000 blue mailgooglecontingency planadbriteypnblatantlywebmaster forums http://www.artwoo.com/article/many-eggs-in-many-baskets
We have all heard the horror stories. I hear one I'd say once every day on the I frequent. Some poor webmaster gets the " Of Death" from TELLING them they clicked their own ads or they have been involved in some sort of click fraud. Then that's it. Game over. No more adsense. And to salt up the wound a little more, they keep what's in the account. Be it legit, or fraudulent. It seems too that Google like to top it off by waiting until payday to announce this

Now while this has never happened to me and while I find it hard to believe that the smart people over at Google are stupid enough to cancel accounts as and without much reason than above, this does appear to happen. (I'd like to clarify here that I am only aware of one person/site that I am absolutely positive was banned for the wrong reasons)......

So what now?

You can beg Google to let you back in, you can complain on the webmaster forums, you can bitch and moan. That's about it.

I have spoken to people that are 100% sure they are innocent and got their accounts reinstated by CALLING Google rather than mailing them. Call and ask for the highest position representative available, but be polite and explain your situation clearly. DO NOT piss Google off!

Unless you had some sort of backup in place or . You do have a contingency plan right? Try not to despair; there are a few other decent contextual ad companies out there. appear to be good (I am Irish so I have no experience with them) and have been nothing short of amazing for me.

Anyway, getting back to my point. In this scenario, all eggs were in one virtual basket. If this was your entire business, it's pretty much game over for you.

Say for example, you were making $4000 a month with Google Adsense. Had you had spread your income out as follows: Google adsense: $500 YPN: $500 Direct Advertising: $1000 Other: $1000

You would only be down $500 a month. This would at least give you some time to research alternatives, or come up with some new ideas to fill in your "revenue hole". I know this seems VERY obvious, but you'd be surprised how many people I hear crying out for help in this department.

I have my online businesses spread out amongst 4 contextual ad networks, 5 CPM/CPA networks, direct advertising, software sales, services and some small ecommerce. If one of these fails, or for some reason I am wrongfully accused by the powers that be, I still have the others.

If you have all your virtual eggs on one virtual basket, I strongly urge you to start thinking about the worst case scenario and consider the possibility that the base of that basket may someday fall through. David Davis, is the lead developer and project manager of RedflyStudios LTD. Web Design Ireland For more information visit http://www.redflystudios.com ]]> What Should I Look For When I Want To Purchase An Existing Home? http://www.artwoo.com/article/what-should-i-look-for-when-i-want-to-purchase-an-existing-home http://www.artwoo.com/article/what-should-i-look-for-when-i-want-to-purchase-an-existing-home#comments Mon, 14 Aug 2006 16:28:29 +0000 http://www.artwoo.com/article/what-should-i-look-for-when-i-want-to-purchase-an-existing-home You should be on the look out for any major problems which may cause you significant problems and money later on down the line! It's a good idea to do your homework when you're looking to purchase an existing home or any home you may be considering. You want to know what you should be looking for? Well consider some of these tips and information while you're shopping for an existing home:

1) Consider having a home inspection done on the property you're thinking about purchasing. This is very important! By having a home inspection, you will be provided with valuable information about the condition of the home you want to purchase by an independent expert. You can find a certified home inspector via the American Society of Home Inspectors(ASHI) www.ashi.org. You'll be glad that you hired an independent inspector to go over the home you may want to purchase. It may save you major headaches in the long run! Make sure to make the home inspection a contingency of the prospective purchase agreement of the home you're considering.

2) Look at the price the existing home is being sold for. In most cases you're able to get a better price for an existing home than you would for a new one. The existing home is usually in a neighborhood which is already established. In addition, the home will probably have upgrades already done. If you have children, schools are usually already established for the neighborhood that you may be planning to live in.

3) Try to steer away from existing homes which have some form of preexisting structural and roof damage. If you don't, this could cost you thousands of dollars in the long run!

4) If you decide to purchase an exiting home, you may want to establish a home maintenance account for any potential repair problems in the future.

5) Make sure you check out the landscaping of the home which of course includes the lawn, plants, flowers, bushes and trees! If there is a potential problem with the landscaping, you can put in your contingency agreement that this problem must be corrected by the seller, prior to you purchasing the home. This could save you money in the long run.

6) Research and investigate any easements on the property you're planning on purchasing. You want to make sure if there are any easements, that this will not create a problem for you in the long run.

7) Purchase title insurance! This will protect you from any potential problems that may come up about the legal owner of the property that you have purchased.

The purchase of an existing home can be a good thing if you do your homework before and during your prospective purchase. There are some great deals on existing homes if you do your research. Just keep in mind some of the tips and information that you've learned, while you're planning to make your purchase. You'll be glad that you did. Nocita Carter is a writer and web designer that creates websites providing informative tips on various subject matter including personal finance tips on your personal finances at http://www.personal-finance-tips-for-you.com ; dating tips at http://www.mydating-tips.com and your choice of ebooks at http://www.ebook-corner-for-you.com ]]> The Ultimate Guide To Choosing A Limousine Service http://www.artwoo.com/article/the-ultimate-guide-to-choosing-a-limousine-service http://www.artwoo.com/article/the-ultimate-guide-to-choosing-a-limousine-service#comments Wed, 25 Oct 2006 00:27:04 +0000 limousine companylimousine companieslimousine servicemailairport limousine servicescontingency planconversely http://www.artwoo.com/article/the-ultimate-guide-to-choosing-a-limousine-service
In selecting the , you want to make sure the one you choose is properly licensed and insured. Although it may appear to be less expensive to hire an unlicensed limousine provider, if an accident were to happen and someone in your party were to get hurt, you would have no recourse. You can ask around to representatives from other companies that regularly use s to find out about various ' reputations.

Find out if the company has a in case the limousine is in an accident or breaks down. If not, then you have two choices. You either have a backup plan in mind or hire another limousine service that you know does have a contingency plan. , it may be you that has unforeseen problems, so make sure you know in advance what the company's cancellation policy is.

The cost to rent a limousine can range between $50 and $150. Ask the limousine company what amenities are included in the price. Knowing up front what you are and are not getting eliminates surprises later. Costs can vary based on current demand (such as during prom and wedding seasons). It's worth checking with your local hotel and because many times you can get a better rate through them.

You'll want to know up front whether or not the company accepts credit cards. Once the service has been booked ask for a written confirmation to be faxed or sent in the . Another critical action you need to take is to make sure you are getting the car you asked for. Just before the event, arrange to see the car and check it out. Is it clean? Does it smell like cigarette smoke? Are you getting an "older" (interpret as less reliable and less comfortable) limousine? Be sure to have all those problems and questions addressed before the time of pickup.

If there are several people in your party, it's always a good idea to have everyone in your party meet at one location to avoid extra pickup and drop off time. I realize that sometimes this is part of the fun, so use that as a guideline, but realize the cost may go up if the driver has to make extra stops. To avoid any awkward moments between you and the driver, be sure you know the company's tipping policies. Some encourage it while others don't. It's also a very good idea to get the chauffeur's name and cell phone number to maintain contact and get a hold of them if necessary if the timeline changes and your group needs to be picked up earlier or later.

Policies vary between companies regarding pets. Some allow them while others don't. If you need to travel with your pet, you'll want to know this in advance. Also, if you have special needs such as a child seat or handicapped person(s), you'll want to address this with the company beforehand.

If you plan carefully and ask the right questions while you are still in the selection process, you'll be more likely to choose the service that best suits your needs and adds a nice touch to whatever event or meeting your are attending. Brad Hansen writes professionally on a variety of topics. For more information about limousine rental, look for us athttp://www.new-york-limousine.net/ ]]> Accident Lawyers Play A Pivotal Roll In Our Legal System http://www.artwoo.com/article/accident-lawyers-play-a-pivotal-roll-in-our-legal-system http://www.artwoo.com/article/accident-lawyers-play-a-pivotal-roll-in-our-legal-system#comments Thu, 14 Feb 2008 04:20:00 +0000 personal injury attorneysplaintiff lawyerscontingency feelegal paperworkunsavory reputationaccident lawyersfinancial obligation http://www.artwoo.com/article/accident-lawyers-play-a-pivotal-roll-in-our-legal-system accident lawyers often suffer from an . However, if you are among the unfortunate individuals who have been injured due to the negligence of another party, accident lawyers can be your only ally when seeking compensation for your damages or injuries.

Accident lawyers =96 also known as , , and trial lawyers =96 provide legal representation to parties who have been =96 or claim to have been =96 physically or psychologically injured due to the negligence or wrongdoing of another party. Accident lawyers specialize in tort law, which is a form of civil law that deals with relationships between individuals and/or organizations. In contrast, criminal law involves individuals and/or organizations and the State. When one party has injured another party, accident lawyers are there to help the injured party receive appropriate compensation for their ordeal.

When accident lawyers are hired to represent their clients they assume several responsibilities on their behalf. While adhering to a strict code of ethics, accident lawyers must carefully examine the potential case and weigh its merits before filing a lawsuit. If the case has merit, then the accident lawyers will file complaints, make arguments in court, draft , and research their client's case so that they can best represent their interests.

Accident lawyers are compensated in several different ways, although a is the most common. A contingency fee is an agreement where the client has no to the attorney until the case is successfully resolved. Upon settlement, the attorney will then keep a portion of the money as compensation. Other less common forms of compensation for accident lawyers are flat fees =96 a set amount regardless of the outcome, retainers =96 money paid before representation takes place, and hourly rates =96 where the client is billed for each hour that is dedicated to their case.

In today's society, accident lawyers are an oft maligned group. They are blamed for frivolous lawsuits and escalating health care costs, among other things. While those charges have merit in some instances, one should not conclude that accident lawyers are not an important component of our legal system. Accident lawyers are the individual's last line of defense from further damage as a result of an accident or negligence. Sadly, we need accident lawyers after we have already been wronged, but with their competent representation we can not only receive just compensation, but the damages collected from negligent parties act as a deterrent from continuing to act in an irresponsible way in the future. In short; accident lawyers help prevent accidents as well. For easy to understand, in depth information about accident lawyers visit our ezGuide 2 http://lawyer.ezguide2.com ]]> Creating A Successful Outdoor Wedding http://www.artwoo.com/article/creating-a-successful-outdoor-wedding http://www.artwoo.com/article/creating-a-successful-outdoor-wedding#comments Wed, 13 Jun 2007 05:19:56 +0000 citronella candlesoutdoor weddingcontingency planinclement weathersufficerenting a tentserene environment http://www.artwoo.com/article/creating-a-successful-outdoor-wedding outdoor wedding? If so, then you know there is more to think about than just finding a pretty venue and renting equipment. When you are planning your wedding you will also need to consider the special needs of your guests and the uncertainty of the environment. Here are some tips for planning the perfect outdoor wedding:



Keep the Guests Comfortable Consider the needs of your guests when you have an outdoor wedding. If it will be cool outside, plan on providing items to help keep them warm. If it will be hot, have plenty of water and cool towels on hand. Maybe even have some parasols or umbrellas to keep the sun off of sensitive guests. Make sure the chairs remain dry and do not heat up if they are exposed to the sunshine.



Have a Having an outdoor wedding means that you are subject to environmental changes. Create a plan for things like or sudden changes to the terrain. Usually will work to keep things going as planned, but make sure that it will to keep you and your guests dry and protected from the elements.



Watch the Weather Your contingency plan will usually cover you if you are planning your wedding outdoors and it rains. However, also be aware that your wedding could suffer from wind. Try to use fabrics that will hold up in the wind and ask your stylist to give you a style that will hold up on windy days.



Have a Plan for Sound One of the most overlooked aspects of planning an outdoor wedding is the sound issue. While you may have found a in which to have your wedding, factors like the wind, waves, birds, trees, and more all find a way to block the sounds of your wedding ceremony from reaching your guests. Work with your DJ or venue to work on the sound so your guests can follow your ceremony.



Don't Be Bugged Bugs are a part of life and nature and they really like to join the party. Add items like and bug spray to your list of items to purchase for the wedding. Even a bug zapper will help keep your guests from pesky little visitors.

Outdoor Food Check with your caterer to be sure he or she understands the different needs of an outdoor wedding. For instance, many frostings cannot last very long in the heat, so your cake provider should be able to steer you toward correct choices.

Stay Hydrated If you are having your wedding on a warm day make sure your wedding party and your guests have plenty of access to water and other drinks.





Sunny Days Make sure you arrange your wedding so that the sun will be out of your guests' eyes. If the sun is on the back of the guests they will be better able to actually see what is going on during the ceremony.



Be Lawful Finally, be sure you have all the proper permits and documentation for your outdoor wedding. Each municipality is different, so check with your city to see what you will need. Also, have the paperwork on hand to provide any authorities that come to check on your celebration. Plus, make sure you follow any limits the city imposes on your celebration like hours your band can play and sound levels. Chris Morton ran hotels and restaurants for 10 years, organising many successful weddings in the process. His wife Sue is a wedding coordinator who has help many nervous brides and their families. Visit http://www.theweddingwizards.com for 100's of tips showing you how to plan a great wedding day ]]> What Is A Headhunter? http://www.artwoo.com/article/what-is-a-headhunter http://www.artwoo.com/article/what-is-a-headhunter#comments Fri, 09 May 2008 07:20:17 +0000 job headhuntersfull time jobcandidate recruitmentparty representativestaffing companiescontract workmain source http://www.artwoo.com/article/what-is-a-headhunter party representative.

Headhunters can act alone or work through an agency as a form of independent type contractor who liaises between companies or corporations (clients) and the potential candidates for specific job positions. They generally specialize only in relationships with their clients, searching for potential candidates or doing both. Most headhunters deal with either full-time or permanent, contracted, directly hired, or a combination of all types of positions. Their of research is usually done online.

headhunters (hourly pay with temporary assignments) divide their work into 2 groups, including finding new clients and bringing in new work, and also . Both consulting and generally use headhunters because the nature of their work is contractual in nature. Most headhunters doing contract work are paid via a salary, but only get a bonus or commission based on the percentage of placements made.

Full-time are the most common form. However, it is interesting that the term headhunter is not a term that most of them like. Usually headhunters have a high level of knowledge of their industry and specialize in one sense, but use a broader spectrum in another. They can place ads or inquiry calls without the use of individual knowledge of the person they are contacting, outside of their job position or basic background. Their search is more generalized than regular recruiters in that they look for basic criterion in job roles and match them up with a wide variety of candidates versus more exacting fits. In fact, as headhunters generally work in a multitude of agencies or go solo occasionally, they have received their name in the past because they used to poach clients away from agencies.

Also, headhunters deal with varied levels of management and executives, but usually and not exclusively mid-level positions. They have extensive contacts, sometimes globally, but usually local and thus have a much better grasp on what is going on in their local area than regular recruiters. However, their procedures are not that much different from regular recruiters in that they do their candidate searches, compile lists of potential candidates, interview candidates and forward the best of the group to their clients.

Headhunters, though most do not like the name as it implies that they poach clients, which most modern ones do not do, are a form of executive recruiter whose searches are more focused on local candidates than global ones. They use similar methods to regular recruiters, but they work generally with less specified criterion for job positions for their many clients and generally make database lists of potential candidates that are both well-suited and possibly suited for the jobs concerned. Though a lot of headhunters deal mainly with mid-level management and/or executive positions, some do cover a much broader range. They include two types, those covering contract workers or those candidates that will be paid wages for positions that are usually temporary, attracting mainly consulting and staffing companies in their area, and full-time and permanent workers or those candidates that will go onto salaried positions in companies ranging from small businesses to large corporations. Generally speaking though, headhunters are contingency executive recruiters and work for salaries with bonuses for their placements, unlike the retainment executive recruiters who are paid on a fee basis only. Most companies do prefer to work with retainment executive recruiters versus headhunters or contingency recruiters simply because they are considered to be much more reputable, detail orientated and research candidates based on much more specific criterion to find the best fit for client job positions, including specified qualifications, experiences, skill sets, ability to work in a client's specific work environment and bring far more assets to the workplace. Greg Heslin is a best selling career advice and "street smart" tips author on how to survive in the 21st Century workplace.To learn more about FREE cutting edge career tips and techniques, you can visit his web site at http://www.My-New-Career.com ]]> Do We Really Need A Home Based Business? http://www.artwoo.com/article/do-we-really-need-a-home-based-business http://www.artwoo.com/article/do-we-really-need-a-home-based-business#comments Fri, 12 May 2006 00:32:04 +0000 find a jobnew jobcontingency planorganizational hierarchycorporate laddercorporate structurestart a business http://www.artwoo.com/article/do-we-really-need-a-home-based-business contingency plan. This means that you must create different probable scenarios of what could happen during the process of your original plan, and create a plan for each probable scenario.

Of course a plan is made because we need to reach a certain objective. Our objective in this case is to generate an income that would enable us live a kind of life that we aspire to live.

Since we do not have any money to on our own and generate that kind of income we revert to the usual plan which is to and then find our way up the of the . Let us see what probable scenarios can come up here:

1) We are very successful and at the top of our game. We are moving up the and our income is nearing our goals and could very soon surpass it.

This is the most dangerous of all scenarios. It is very hard to cross our mind to take a moment and think what if something went wrong and all this success was taken away.

We all know that corporate life is never safe and anything can happen at any time. Even if we succeeded and were able to become at the top level of an organization, one day will come that we will have to retire and stay home. What are we going to do then?

2) We are working very hard but for some reason we do not seem to be progressing. What usually happens here is that we start looking for another job that would satisfy our needs and our growth expectations and plans.

We always think that the other job is greener and our chances there for development are greater. When we finally make the move, we realize that we have ran away from the previous problems with the old job, just to realize that we are facing a completely new set of problems with this .

3) We feel that our work is not appreciated and there is danger at any time that we might lose the job that is generating an income for us, and we say "an income" because we are still far away from what we aspire to achieve.

The above are not all the life scenarios that exist; as you may have your own established and successful own business which is not home based or online. Still we would say that diversification into Home Based and specifically Online Business is essential. I would only take the factor of the explosion of the internet and the abundant opportunity that exists there and stop the conversation there.

You can think of all the above scenarios either as separate examples or phases of one person's life cycle. So we need a plan "B," a contingency plan for these scenarios. Of course we can complicate things further by creating a different set of solution plans for each scenario, but that means that we will have to run into writing a long report of about 100 pages.

So let us look at the different probable solutions we have at hand:

1) Investment Options such as stocks and other similar options: This could be a good option for the first scenario, but it is also highly risky. This solution will not cater for the retirement part which involves not having anything to do after you leave work. Still no one can deny that this option could turn out to be extremely rewarding.

2) Always keep yourself in the market so that you can switch jobs at any time. This tactic has many medium and long term disadvantages. But top of mind disadvantages include:

a.Not going anywhere in any organization because you are not giving it enough time.

b.Your chances of finding the next job could gradually diminish as your CV will show the unsteady behavior.

c.You will not concentrate on the job at hand since you are always looking for the better job.

d.And many more disadvantages

3) Have your own business: This option seems very good, but if we are looking at it in terms of investing a lot of money and borrowing from the bank to be able to operate the business, then this stops being a plan "B." This means that you are already changing lanes without even signaling. Although it can be rewarding, but again we have to stress that this is not a contingency plan. This means you are changing your plan.

4) Home Based Business: Now this option is similar to the previous one but with a twist. Because home based business does not require a large investment and does not require your total attention and devotion for it to succeed, you can for sure call it a plan "B" since you are still working at your job. Advantages of this solution:

a.Low and in many cases extremely low initial investment

b.You do not have to work full time

c.Does not require your full attention

d.You can work at your own set hours

e.If anything goes wrong with your original work, then you can shift gears very quickly and you will be able to absorb the shock without any panic.

f.And many more..

All the above advantages could become disadvantages if you don't take your home business seriously. If you keep postponing things you need to do and making it the least of your priorities then this business will not see the light of day.

A home business is a wonderful thing to have working for you especially when you don't need it. Because then you will be working relaxed and enjoying what you are building for your future. You will not be stressed out and wanting it to succeed in one month.

With a home based business you have to be patient and consistent and eventually you will achieve your dreams. To find the best home based business ideas and opportunites so you can work at home visit: http://www.BusinessFountains.com ]]> Umbrella Insurance For Greater Coverage http://www.artwoo.com/article/umbrella-insurance-for-greater-coverage http://www.artwoo.com/article/umbrella-insurance-for-greater-coverage#comments Mon, 20 Nov 2006 12:27:11 +0000 auto insurance policyumbrella policyexcess liabilityinsurance companypedestrian injurycontingencysettling http://www.artwoo.com/article/umbrella-insurance-for-greater-coverage auto insurance policy, you are saddled with the prospect of this on your own. Your will not cushion you against this . However, there is a way out. To overcome this eventuality, you can obtain an excess liability policy, or an .

This policy will give you the required cushion against any claim exceeding the amount covered by your normal insurance policy. For example, suppose your auto insurance policy covers claims of accidental up to an amount of $20000. If an accident does occur, and a claim of $50000 dollars is adjudicated against you, the insurance company will only pay the $20000 agreed upon, and you will have to pay the balance $30000 out of you personal funds. If you do not have the cash or any other liquid asset, then your home, or some other fixed assets could be at stake. You may even be reduced to a state of bankruptcy. This is where an umbrella policy can help you. An umbrella policy will take care of the excess amount of $30000 dollars that you would have had to pay from you own funds.

The umbrella policy expands the coverage offered by your home or auto policy. You can purchase this policy for coverage of up to five million dollars. Moreover, the premium is very low and you may have to pay just $300 to $400 a year for this coverage. When the amount of a claim against you exceeds the coverage provided by your home or auto insurance policy, you are saddled with the prospect of settling this excess liability on your own. Your insurance company will not cushion you against this contingency. However, there is a way out. To overcome this eventuality, you can take an excess liability policy, or an umbrella policy.

This policy will give you the required cushion against any claim exceeding the amount covered by your normal insurance policy. For example, suppose your auto insurance policy covers claims of accidental pedestrian injury up to an amount of $20000. If an accident does occur, and a claim of $50000 dollars is adjudicated against you, the insurance company will only pay the $20000 agreed upon, and you will have to pay the balance $30000 out of you personal funds. If you do not have the cash or any other liquid asset, then your home, or some other fixed assets could be at stake. You may even be reduced to a state of bankruptcy. This is where an umbrella policy can help you. An umbrella policy will take care of the excess amount of $30000 dollars that you would have had to pay from you own funds.

Further, many companies will not offer you the umbrella policy unless you have your home or auto insured with them. They may also require you to maintain a certain level of liability on your home or auto insurance.

The umbrella policy does not only cover your cars and homes, but also offers personal injury protection which may include false arrest, false imprisonment, malicious prosecution, defamation, invasion of privacy, wrongful entry or eviction. The terms may vary according to each company, and from one state to another.

The umbrella policy is an excellent way to protect yourself against expenses for claims exceeding the coverage provided by your regular insurance policy. It can be bought for a very low annual premium, and proves very helpful in protecting your personal assets from lawsuits and legal action. Joe Kenny writes for the UK personal finance sites http://www.ukpersonalloanstore.co.uk and also http://www.cardguide.co.uk ]]> When Do You Need A Personal Injury Lawyer http://www.artwoo.com/article/when-do-you-need-a-personal-injury-lawyer http://www.artwoo.com/article/when-do-you-need-a-personal-injury-lawyer#comments Sun, 16 Jul 2006 20:27:06 +0000 personal injury lawyersintentional tortslaw of tortstort casesmedical malpracticecontactfalse imprisonment http://www.artwoo.com/article/when-do-you-need-a-personal-injury-lawyer Personal injury lawyers are lawyers who deal in personal injury cases. Personal injury comes under the ambit of in the US. The name tort is derived from the French word tort, which means wrong.

Personal injury is a term applied to any damage or harm done to a person's body, reputation, rights or property. Personal injury can be filed under both civil and criminal law suits depending upon the details of the case.

Personal injury includes, dog bites, motor accidents, wrongful death, product liability, , sexual harassment, emotional duress, bodily harm, damage to reputation, nuisance etc. The person suffering the injury may be able to recover damages from the person/company causing the injury. Damages are financial compensation for loss of income, disability, loss of love and affection, emotional distress, pain etc.

The law of torts is divided into 4 categories: , negligence, strict liability and nuisance.

Intentional torts are those torts that are committed by the wrong doer purposely. It includes, battery, assault, , defamation, trespassing, invasion of privacy, causing emotional distress, racial or sexual discrimination etc.

Negligence torts are those wrongs, which are done unintentionally. They are the most common of the in court. They include product liability (products that are dangerous to the users even when used correctly), medical malpractice, misdiagnosis etc.

Strict liability are those wrongs, which are borne out of occupational hazards and use of dangerous products. They need not be due to negligence of the defendant. Occupational hazards like construction workers, factory workers etc where it is the duty of the employer to provide a safe working atmosphere.

Nuisance are those wrongs which interfere with an individuals use of his land or property. For instance noise pollution by a factory or smoking by individuals in public places like offices etc.

It is prudent to a personal injury lawyer in case of injuries to check the merits of the case, to see if a case exists, the amount of damage etc. Contacting an experienced lawyer may work in favor of the plaintiff (the person suffering the injury) as many tort cases are settled out of court, when the defendant (the person causing the injury) feels that the court may award a larger penalty and that the defendant will be involved in a costly litigation and negative publicity.

There are many law firms, which take personal injury cases on contingency basis. Contingency basis means the lawyer gets paid from the claim on winning the case. It is vital to read the contract agreement as the law firm on successfully winning the case may take away a major portion of the claim. Keith George always writes about valuable news and reviews. A related resource is http://lawyers-n-injury.info/ Further information can be found at http://the-new-economy.info/ ]]> Effective And Ineffective Recruiters http://www.artwoo.com/article/effective-and-ineffective-recruiters http://www.artwoo.com/article/effective-and-ineffective-recruiters#comments Wed, 04 Jul 2007 06:20:01 +0000 recruitertargetjob searchtantamountvice versarecruiterssalary history http://www.artwoo.com/article/effective-and-ineffective-recruiters recruiters are so helpful in finding a person a job, why do they get such a bad rap sometimes? We've all heard the stories: a candidate's resume ended up on his boss's desk, or the current company was called for a reference without the person's permission. The recruiter misrepresented the candidate to the company or and wasted everyone's time.

Too often candidates aren't any more selective about the with whom they work than they are about the companies with which they interview.

That's understandable considering candidates often buy into the myth that all recruiters are omniscient and omnipotent. When you don't know how a recruiter works, it's easy to assume they know what they're doing.



So how do you tell if a recruiter is adept at their profession?

Here's a hint: don't bother asking them how long they've been a recruiter. It's irrelevant. Instead ask them a few questions about the position they've brought to you. If the only thing they know is the salary range - and they tell it to you =96 proceed at your own risk.



If a recruiter fails to take an in-depth search assignment from a client, how does the recruiter know what the client is looking for? More than that, how will the recruiter know if they come across that person? Without a detailed profile of the position, the company, and the hiring authority, all the recruiter is doing is faxing resumes and hoping something will work. It's to shooting arrows at a in a dark closet.

You can expect a multitude of questions as well, and a lot of them are very personal. If they're to present you to a client, they need a total picture of you: career, family, , strategy, what you've done, what skills you have, what you want, and where you envision your career going.

So when one approaches you with a position and you show some interest, do they dig deeper to learn who you are? Or do they just get your resume and pass it on to the employer? Do they grasp over time what you're suited for? Or do they continue to run things by you that have no appeal at all? Is it about your career or their commission?

There are subtleties to the business that too many recruiters miss. The most basic is that every company is unique, and every individual is unique. The good ones understand this. The others think that if they just throw out enough lines, they'll eventually catch a fish, They've completely missed the point of why a recruiter exists. They rarely make a placement, except by accident. They function more as a resume service and less as a recruiter. They've likely been beaten down on their fees.

Unfortunately, because of the internet, the number of these recruiters is increasing. Any contingency recruiter can call an employer and join the race in the first resume to the finish line. They find your paperwork posted on a job board, and you =96 who are more likely passive than active in your search and haven't carefully thought out your requirements for your perfect job =96 are easy picking. Off to the interview you go, most likely with unsatisfying results for everyone involved. The internet means a recruiter doesn't actually have to work at recruiting.

An effective recruiter can make a difference in your search by fully understanding the depth of what's involved in bringing a company and an individual together long-term. These recruiters are in it for the long haul. Their rewards are repeat business with client companies, referrals from relationships they've developed with individuals, and the joy of a candidate who's ecstatic about the new opportunity.

It's your career. When you're looking to further it, shrewd discernment will always bring you closer to what you want, while universal optimism will often result in discouragement. Prior to starting, VisionQuest, Judi Perkins was a search consultant for 25 years in both the contingency and retained markets, including a short stint in the temporary and local permanent placement markets. To sign up for her newsletter and learn thousands of powerful concepts to find your perfect job go to http://www.findtheperfectjob.com. ]]> Contingency Planning -- Top Ten http://www.artwoo.com/article/contingency-planning-top-ten http://www.artwoo.com/article/contingency-planning-top-ten#comments Wed, 30 Jul 2008 01:43:30 +0000 alliance leicestercontinuity planback upsbusiness diarybad debtsmajor disastersteve jennings http://www.artwoo.com/article/contingency-planning-top-ten major disaster never resume trading.

from Alliance and Leicester Commercial Bank has the following advice to help businesses to plan for the future to prevent the unpredictable from becoming the unmanageable:

1. Keep a . New legislation can have a major impact on your margins, so make a note of dates when legislation or tax changes come into force so that you can prepare well ahead of important deadlines.

2. Market changes. Your market can change in a number of ways from new competitors through to changing initiatives within your industry. By keeping abreast of any changes you can make appropriate adjustments to your business plan, and prepare for the impact of any major market changes.

3. Monitor interest rates. Business banking interest rates can change quickly, and are announced on a monthly basis. A rise can have a big impact on your outgoings and income, so if you are borrowing money, look for a fixed rate, as this will allow you to budget more effectively.

4. Be prepared for disasters. Every business needs a that outlines key members of staff along with specific tasks, this will allow a swift recovery and a quick return to normal business operations. If your business makes use of a computer system, off site storage and should be incorporated into it to ensure that IT problems are minimized in the event of an emergency.

5. Reduce your outgoings. By looking at regular costs such as utilities and bank charges, you may well be able to find many savings. According to research, a UK small business can save around £3,500 each year on their banking costs by shopping around for the best possible deal.

6. Deal with . Late payments can be crippling, especially if they account for a large proportion of your business' income, so credit check new customers, and dedicate some time each month to chase outstanding money.

7. Create a contingency fund. You need to have a financial buffer in the event of an emergency, so don't leave surplus funds sitting unused. Set aside regular sums in a high-interest business deposit account. Interest earned on this money can be used to pay for your quarterly VAT or annual tax expenses.

8. Update your business plan. Changes to your situation can cause your business plan and budget to go out of date relatively quickly. By keeping a record of actual figures against predictions, you can spot variations quickly, and amend your forecasts to take them into account.

9. Insure yourself. Ensure that you have the right type of cover for your business. By finding a flexible insurance policy with business interruption, as this will provide for you under circumstances that could otherwise result in loss of earnings.

10. Arrange an overdraft. With a business overdraft, you can get access to short term finance. Unlike a loan, an overdraft will only charge interest on the money that you need, and can be arranged easily as a service from your business current account provider.Alistair Leckie provides expert information about business banking particularly if looking to open a business current account or a business deposit account.]]>