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  • Stopping Employee Theft in Your Coffee Business

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    Regardless to how good of an employer you are, and even if you treat your employees well, understand that employee theft is a reality, and you need to control it. While it may only be a very small percentage of your staff that might steal from you, it can have a significant financial impact on your coffee business. If it goes unnoticed, employees will usually become even more brazen in their activities.

    When it comes to theft, your employees are likely to fall into one of the following four categories:

    Mr./Ms. honest – these are people who would never think of taking anything if it doesn’t belong to them. If they happen to go home with one of your ballpoint pens, they’ll bring it back the next day, and feel guilty that they took it home, even though it was unintentional.

    Incidental theft – these are people that will take home your pen by accident, and will keep it. And, they may scarf a piece of cheesecake occasionally when you aren’t looking, even though they know they shouldn’t. Because these items have minimal value, they have no great sense of guilt related to their activities.

    Theft because of need and opportunity – this is when you have an employee who is perhaps living on the edge financially, and because they have the need, and because your security may be lax, they’ll take advantage of an opportune situation to take something.

    Compulsive theft – this is the person who is always looking for something to steal, and they have absolutely no conscience about it. They typically rationalize the theft in their own mind. They consider you to be the rich, fat cat, and feel that they are over worked and under paid, so stealing from you is justified.

    Employee theft probably exists to some extent within your operation, whether you are aware of it or not. You can most likely live with incidental theft, provided it doesn’t get out of control. Theft related to need and opportunity is, in reality, your fault. These people would probably not steal from you normally, but a lack of security procedures has created the temptation and means for them to do so. Compulsive theft must be discovered, stopped, and you must eliminate the person(s) responsible.

    Losing product due to theft:

    Your employees may have no desire or need for a sleeve of 12oz. paper cups, Java Jackets, or a roll of toilet paper… but they might like a frozen cake, gallon of chocolate sauce, 6-pack of beer, or a bottle of wine.

    There are some simple things you can do to greatly reduce the chance of being ripped-off. First, don’t allow your employees to store their jackets, backpacks, and purses near where you store products. This makes it incredibly simple for someone to slide something into their bag or jacket pocket when no one is watching. I always had my employees store their personal belongings in the cabinet under the cash register (where someone would always be watching), or in my office, under lock & and key.

    Second, keep the back door of your store locked with a key at all times (you or your supervisor being the only ones having a key). If customers regularly enter through your back door, this may not be an option. If your back door is an emergency fire exit (and it probably is), you’ll need to install an alarmed breaker-bar. The whole point is that you don’t want your employees to be able to flow in and out of the back door without you knowing about it. Carrying product out the back door to their car, a hiding place for later pick-up, or an awaiting friend, is one of the most common ways products will exit your store.

    Once you have made it more difficult to stash things in their personal belongings, or carry them out the back door, employees may resort to hiding items in the trashcan. Of course you will unlock the back door to let them take out the trash. If they have hidden something in the trashcan, a dumpster-diving expedition will certainly be planned for after-hours to recover their treasure.

    Periodic trashcan checks should eliminate this problem, or make it a far less appealing option to anyone considering this method to smuggle things out of your store. Buy a long handle 3-prong garden rake. When employees ask to take out the trash, accompany them, and have them hold the can up on the edge of the dumpster while you rake out the trashcan contents. What you are looking for are things that might have been hidden in the trash, but you can tell your employees that you are merely making sure that small wares aren’t being accidentally thrown away. During the 15-years I owned and managed restaurants, I discovered everything from six-packs of beer, bottles of wine, and packages of steaks hidden in the trash!

    Another situation that will create an ideal opportunity for employees to steal from you is having only one person working in your store. If your baker comes in each morning a hour before you or the next employee, or if one person is left to clean and lock-up the place at the end of the day, opportunities for theft abound. As the old saying goes: when the cat’s away…

    Always try to have at least two people in your store at all times. If there is not justification for having a second employee on the clock, then you will need to be that second person. If this requires you going from a 60-hour workweek to 80-hours, then this may not be a tolerable option. If this is the case, then at least invest a couple of hours more each day for a week or two to do some detective work.

    During those times of day when only one employee is working, park at the far end of the parking lot, or across the street, so that you will reduce the chance of being noticed by your employee. If they are familiar with your vehicle, use your spouse’s or friend’s vehicle for a few days. Watch carefully (with binoculars if necessary). I know this all sounds a little CSI – like, but better to rest-easy, feeling fairly assured that your employee isn’t carrying away your store when you’re not watching. If I had the time, I could tell you countless stories of my experiences in catching employees red handed, loading the trunks of their cars.

    If you suspect that theft of product might be occurring, but you’ve seen no direct evidence of it, then conducting a daily key item inventory may shed some light on the situation. Write down a list of 15 to 20 products that you think would be most appealing for someone to steal. In your coffee business, this might include items such as coffee, syrups and sauces, smoothie puree, biscotti, cookies, and desserts, sandwich meats & cheeses, and of course beer & wine (if you serve those from your operation). Then take an inventory of these items every day. Your employees don’t need to know what you are doing, and if they ask, simply tell them you are taking an inventory for ordering purposes.

    What you are looking for are anomalies in usage. For example, let’s say that from your daily inventories you assess that you use about half a gallon of chocolate sauce per day. Then, one day you notice you used 1 1/2 gallons of chocolate the previous day. This should send up a red flag! Why did you go through an extra gallon of chocolate? Were you significantly busier yesterday, or did you featuring several drink specials which contained chocolate sauce? A quick review of individual item sales from yesterday’s cash register report should provide you with the answer. If you average one ounce of chocolate per beverage, then using 1 1/2 gallons means you should have sold approximately 192 beverages containing chocolate (128 oz. per gal. x 1.5 = 192). If this was the case, no problem. But, if you discover that you only sold 64 beverages containing chocolate, then 128 oz. (or 1 gallon) is unaccounted for and missing! A good indication that it probably walked out the door. If this happens, keep track of who was working on the day of the shortage. If this happens continually, eventually you will discover that the same person or persons were working every time.

    Theft of money by employees:

    Hopefully, none of your employees will have the desire to steal products from you, but some will be tempted by the lure of cold, hard, cash. Everyone could use an extra $20 a day. Employees who steal money from you will definitely hurt your bottom line, and must be eliminated.

    The first way to reduce cash theft is to have a cash handling policy in place that will discourage theft. If multiple employees are using the cash register, and no one person is responsible, then I can almost guarantee that your cash drawer will keep coming up short on a regular basis. The fact that no one person can be held responsible for the shortages, will make grabbing a bill or two easy and appealing.

    Implement a policy that one, and only one person is responsible for the cash register for the entire shift. They should count the drawer at the beginning of their shift to verify that they are starting with the designated change bank. Then, they should be the only person to ring up sales and make change. Even you, the owner/manger, should keep your hands out of their cash drawer. Finally, at the end of their shift, they should set aside the amount they started with in the change drawer, and total all the remaining cash, checks, and charges, and balance against what was rung up on the register. If they started with the right amount of money in the cash drawer, rang everything up, took all the money, counted back all the change, and they end up short… who’s fault is it? It can only be theirs. By implementing this simple policy, I once took an operation that was coming up $100 a day ($3,000 a month) cash short, and reduced it to $3 a day, in just 30 days! That’s over a $2,900 bottom line improvement, (in case you didn’t do the math)!

    The other common method that a cashier might use to steal money from you is by using a method called, building a bank. This is the process of not ringing up items on the cash register, while still taking money from the customers, and then pocketing that money. Typically, they will obscure the view of the cash register display on the customer’s side with something like a flower, retail merchandise, or by turning the display so that it cannot be easily seen. Then, they will pretend to ring up an item, but will hit the no sale key instead, popping the drawer open so they can take the cash and make change, but in reality, they haven’t rung up anything. The other thing they might do when it is busy is to just not shut the drawer between transactions. They simply convey verbally the cost of items ordered by customers and take the cash, but once again, nothing has been rung up.

    A cash register that prints out the order on a remote receipt printer to the person who will be preparing the item, can eliminate this problem. Quite simply, if the item isn’t rung-up, it won’t print out. If your barista or cook won’t prepare anything without a receipt (and they shouldn’t!), it will force your cashier to ring everything up.

    If you observe that the cash register’s display has been blocked from the customer’s view, or there are an excessive number of no sale indications on your cash register’s detail tape, or notice that your cashier is not shutting the drawer between transactions, beware! While these may not be indisputable proof that your cashier is stealing from you, they should certainly heighten your vigilance to find out if something is going on.

    If your coffee business only warrants having one employee working at a time, perhaps because you own a cart, kiosk, or low volume drive-through operation, then how do you go about keeping your employee from building a bank and stealing from you? The best solution I’ve seen is to turn your customers in to watchdogs. Affix a sign to the front of your cash register, in plain sight of the customer, that reads: If you don’t receive a receipt with your order, it’s FREE! This will force your cashier to hand each customer a receipt for their purchase. If they are building a bank, this means they will have to hand the customer a receipt that says – NO SALE; something they probably won’t fell comfortable doing!

    The financial impact of theft of money can be extremely damaging, for example: Let’s say you have a cashier who is skimming off $20 a day by not ringing things up, and then pocketing the money. Not only did you loose the stolen $20, but the $7 of ingredients that were probably used to produce the ordered products; ($20 x 35% ingredient cost = $7.00). So in reality, you lost $27, and it will take an additional $41.54 in sales, to recover this loss; ($41.54 x 65% gross profit = $27). $27 a day lost to theft, X 21 days worked by the employee = $567 lost cash & product per month; $872 extra sales required to offset this loss. (Annual loss, $6,804; $10,468 in additional income required to offset loss.) You must stop theft of money!

    Theft of money management:

    If you have a manger running your operation for you, this can really create an opportunity for cash theft. Just about anyone who has ever run a food service operation (self included), probably felt that they were over-worked and under-paid. Some are tempted to grant themselves an unapproved raise. Your manger has the control key to the cash register, which means they have the ability to back off items that were sold. You would be wise to check your cash register detail tapes on a regular basis. If you see multiple items backed off in groups, or more worrisome yet, all backed off at the very end of the shift, beware!

    A good way to keep this from happening is to establish a policy that no over-rings are to be backed off of sales on the cash register with the management control key. Instead, when the cashier makes an over-ring, they should take the receipt, write over-ring on it, sign it, and put it in the cash drawer. At the end of the shift, the total of all over-rings should be manually backed off of the sales total indicated on the cash register report.

    Many years ago I had a manager that was stealing money from me in another creative way. This manager, who opened the store each day, would reset the cash register by Z-ing it out after the first half hour of business. He would then pocket the proceeds earned during that first half hour. Because additional sales were generated during the second half hour, the cash register hourly sales report would always show sales for the first hour of operation, thus eliminating any suspicion that something might be going on.

    It wasn’t until I was doing a routine audit of cash register Z tapes that I noticed something wasn’t right. When you run a Z report, which resets the cash register at the end of each day, a multi-digit number will usually be printed somewhere on that tape. The next time you Z the register, that number will advance by one digit. I noticed that even though the tapes were sequential in date, every other number was missing. This tipped me off that the register was being Z-ed twice a day! When I confronted my manager with the tapes, his look of panic spoke volumes.

    If you are doubting the honesty of any of your employees or managers, one way you can verify or eliminate your suspicion is by baiting the cash drawer. Slip an extra $20 bill in the drawer sometime during the day when they aren’t watching. If they don’t end up reporting at the end of their shift that they were $20 cash-over, I’ll do it a second time (just to make sure). If they don’t report it a second time, you should have no doubts that they are indeed, dishonest.

    NEVER accuse an employee or manger of stealing unless you catch them red-handed (actually stuffing money into their pockets). Even though the circumstantial evidence may be overwhelming, unless you actually catch them in the act, they are likely to deny your accusations, and will probably file a complaint against you with the department of labor! The brief moment of satisfaction you will gain from letting them know you are aware of what they’ve been doing, will be quickly overwhelmed by the legal predicament you will find yourself in. You will be far better off to not make accusations. Simply terminate their employment. In many states, you do not need to provide a reason as to why you are letting them go. When they ask for an explanation as to why you are firing them, simply say: I don’t need to give you a reason, I’m just letting you go, goodbye!

    Finally, don’t over look technology to help you with security. Surveillance cameras linked to a DVR (digital video recorder) can provide you with peace of mind, or evidence of theft. These systems have become very affordable, and many are easy to install. The value of these cameras go beyond having a video record of operations. The mere fact that employees understand that their activities are being video recorded, will usually discourage them from doing things that they might not think twice about, if no one was watching.

    I think it’s important to not be paranoid about employee theft. Certainly, you don’t want to be constantly obsessed with the suspicion that everyone is stealing from you. In reality, the majority of your employees are probably honest people. But, you would be wise to establish some simple safeguards, and maintain a watchful eye.

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    Source by Ed Arvidson

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  • How to Attract Wealth by Altering Your Invisible Field?

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    Wealth attraction means more than just inviting more money into your life. It means having fulfilling relationships, love, wealth, health, career and success. If you agree that money is not the only yardstick for wealth, and like to know how to attract wealth by altering your invisible field, you are in the right place.

    First, what is this invisible field? It is the aura that surrounds us. Most of us can’t see this glowing field, but certainly we can feel it.

    Think about this: Have you ever experienced someone standing quietly behind you? It might be your boss watching what you were doing, or a friend planning to give you a surprise. For whatever reason, you would have felt their presence unless you were overly engrossed in your task. The reason why you could feel it was because another invisible field impinged into yours. And that invisible field is the aura.

    Our aura is not only invisible, it is also magnetic. What you attract into your life first manifests in your aura, then in reality. Of course, the manifestation in the aura is not in term of events or objects. Instead, it shows in the shade, shape, condition and colors of the aura.

    Simply put, by changing your aura, you can attract abundance. So how to attract wealth by changing the aura? The 5 step formula for manifesting abundance are as follows:

    1) Create a Clear Picture of Your Desire – First is to be clear and concise on what you want. For simplicity, let’s say you want more money. Write down the amount. Start with what you expect to have 3, 6 and 12 months from now. Check your emotions when you put down the value. If you feel uneasy, adjust the amount till you feel manageable.

    Based on the amount you have written, see yourself celebrating and holding more money progressively.

    2) Get the Aura Tool for Wealth – The truth is you can use visualization to change your aura. But it is easier and faster with crystal. Why crystal? How does it work? The vibe of each type of crystal is unique, consistent and pure. Because of this special characteristic, each crystal has an aura of specific shade and color.

    By leveraging on these stones we can alter our aura to attract wealth. But how to attract wealth with crystal?

    Depending on your definition of wealth, first select a suitable crystal. But since we used money as the example earlier, let’s continue with it.

    For money, we will go with citrine. This stone is a renowned money magnet and mood lifter. Get a citrine crystal sphere of 2 inches or more – the bigger, the better.

    3) Preparing your Wealth Tool – You need to cleanse, charge and program it with the wealth images you have created in step 1.

    Soak the citrine in sea salt water overnight. Rinse with distilled or filtered water and sun it for about half hour. Next place the citrine on your left palm and visualize the images you have created earlier. During visualization, stay relaxed, happy and fulfilled.

    4) Wealth Meditation – In step 4 on how to attract wealth, meditate with the citrine. You can adopt the “sitting on char”, half lotus or full lotus posture. Hold your citrine in your left hand and firmly supported with the right below.

    Meditate for 30 minutes for 7 consecutive days. It will be better to do it for 49 days straight. During meditation, again visualize the created images to reinforce the wealth attraction power.

    5) Release the Feeling – At the end of the meditation, let go of the images and feelings. Place the citrine by the side of your bed and carry on your usual daily tasks.

    With the help of citrine, you have infused your aura with the right shade and colors for wealth attraction. Congratulation!

    Having learned how to attract wealth by changing your aura colors, you must be impressed with what crystals can do for you.

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    Source by Glen Lim

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  • 9 Steps To Living Abundantly

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    Many of us are bowed down by life – stressed, short of time, tired, on a treadmill, knowing that this isn’t the way to live, but not knowing how to free ourselves up to live more fully, more abundantly. There are simple things we can do – they don’t take time or money – they take a change of attitude. Here are 9 of them:

    1. Being totally financially honest – if you are not, this implies that there is not enough for you to have everything you need without dishonesty.

    2. Creating a vacuum so that more good things can flow into it – don’t fill your life up with things you don’t really want. Ask yourself if you want each thing before you buy it. Don’t have abundant rubbish, live abundantly by seeking out the things and experiences that work for you in your core being.

    3. Tithing is often associated with religion, but it is also possible to tithe in a non-religious context. This seems a really important aspect of living abundantly – every time you freely give money away, you are implying that you are confident that more will come – this is a BIG positive affirmation with a lot of power behind it. The traditional amount is 10% of your income. I’ve recommended this to lots of people, and they’ve told me that when they do this – magically – they seem to have more. I started with 10% but now I’ve increased it, because I’ve seen that the more I give away the more I get back, and the happier and more abundantly I live.

    4. Being grateful for what you already have – focussing on the good that is already in your life. It’s easy to think about what you don’t have, but spend some time each day thinking about what you do have. Start each day by thinking of 5 things that you are grateful for – and express this out loud.

    5. Resentment, jealousy, envy and self-pity interfere with the free-flow of abundance. If you are jealous or envious of someone, it implies that what they have is not available for you to have also. If you find it difficult to let go of these feelings, Bach flower remedies may help. Try the remedy ‘willow’ to counteract resentment and self-pity, or try ‘holly’ for envy, jealousy and greed.

    6. Forgiving those that have wronged you is part of living abundantly. Holding on to your anger, however justifiable it may seem, keeps you stuck in the past, rather than going forward into a better future. If it’s difficult to let go of your negative feelings, try writing a letter expressing all your anger, hurt or envy. Write until you can write no more, and then burn it.

    7. Being able to receive from other people. Being able to receive is healthy, but many people find it difficult. You may need to practice receiving. Think of the pleasure you get in giving. By not receiving generously you are denying other people the pleasure of giving.

    8. Realise that in general ‘good luck’ plays a very small part in people’s life. (If you put your faith in good luck, then you have to accept the possibility of bad luck too.) People who put their faith in ‘good luck’ often spend their lives waiting for things to happen. People who don’t believe in luck go out and make things happen.

    9. Believing that there is enough money, food, love, etc. in the world to meet everyone’s needs to live abundantly. I left this one till the last, because it can be very hard to believe when faced with war and starvation in the newspapers and on the TV, but a lot of this anger and need is caused because people who have do not believe they have enough, because they substitute money and food for all the other abundance of life. Do your bit to correct that imbalance and start living a life that recognises there are inequalities and shortages, but recognises that we can correct that so we all have what we need.

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    Source by Jane Thurnell-Read

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  • Book Summary: Unlimited Wealth – Theory and Practice of Economic Alchemy by Paul Zane Pilzer

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    The basics of economics are supply, demand and scarcity. Economics best describes how to divide these scarce resources up amongst a growing population. Paul Pilzer takes a very different approach to Economics. He believes in Unlimited Wealth and shows examples of why technology and human ingenuity are the keys that unlock that wealth.

    Why is this important to me?

    I am not doing this summary to waste your time. It is my vision to provide concise action steps that you can adopt right now to enhance your financial life. Paul Pilzer writes of unlimited wealth creation. His spin is Alchemy is the creation of wealth while Economics is simply the method for moving it around.

    I am really intrigued by the concept of unlimited wealth creation. If you look at human progress in free societies, the real difference has been in creation. Commodities and resources are in fact finite but the way we use them is what is unlimited. The ideas are unlimited. An acre of land today produces far more food than an acre a generation ago.

    Unlimited Wealth discusses several major topics. For the sake of time, I will review the salient points outlined by Paul.

    1. Supply Side Alchemy – The Wealth Equation: W=PT^n – This equation means – W (Wealth) = P (Physical Resources) x T (Technology) to the nth power where n is the effects of the technological advances. The expansion of physical resources depends on the technological advances. Supply side Alchemy consists of three laws. The key to this equation is what Paul calls the third law of Alchemy – The rate at which a society’s technology advances is determined by the relative level of its ability to process information. Let’s look at how society has progressed based on the third law of Alchemy. Humans figured out how to write, then the printing press was created, then the computer was created and purchasable by the average consumer. Now we have the internet, social media, search engines and everything else to share knowledge. The speed of information exchange is exponential hence so is our level of wealth.

    2. Demand Side Alchemy – The demand side alchemy consists of the fourth and fifth laws. The fourth law states – By providing us with new products and processes that change the way in which we live, technology determines what constitutes a need, and hence the nature of consumer demand. In a nutshell, demand can be created by creating and innovating new products. Apple is on its way to be the first company to hit a Trillion dollar valuation. All of their products were created first and then the demand came from it.

    3. Sixth Law of Alchemy – The immediate economic potential for an individual, an industry or society can be explained by examining the technology gap, the best practices possible with current knowledge, and the practices in actual use. This is important today because China and India are way ahead of the U.S. in terms of science and math. Technology strives on science and math and societies that adapt it faster will create wealth faster. This is where the balance of power can shift over time.

    Unlimited Wealth is definitely a controversial study based on regular Economics theory. Since I am in the technology field, I agree with Paul that Unlimited Wealth can be created through technology and innovation. Products are being created right now that no market exists. Some of these products will fall flat while others will explode. Take a look at Facebook. This company came from nowhere and is now valued at over $50 billion.

    I hope you have found this short summary useful. The key to any new idea is to work it into your daily routine until it becomes habit. Habits form in as little as 21 days. One thing you can take away from this book is scarcity is a negative mind set. I say this because if you believe in unlimited wealth creation then ideas will flourish.

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    Source by Joe Mosed

    Views: 0

  • Earn Dollars With Google AdSense

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    If you want to increase your business earnings yet you do not want to be too pressured handling a new business that venture into a new industry, then trying Google AdSense is a good option for you.

    Google AdSense is a collection of links which may be posted on different sides of your website. It offers various products and services such as online games, internet products and more. When someone visits your site and clicks the advertisement, then you will earn some dollars from it.

    You have to take note that before settling for Google AdSense, your website needs to have a decent page rank. Increased traffic will help you in having higher chances in this strategy especially if the advertisement is appealing to your website’s visitors.

    Passive income is what most website owners like, especially that investing some dollars will never be required. Your Google AdSense will start to skyrocket only if you know how to do well. Unfortunately, it may not be the answer to your prayers, especially if you want to become a millionaire through your website. It may be possible to earn a lot only if you will drive excessively. So as to make it plausible and if you want to be able to do well on this aspect, then you have to work on various internet marketing strategies. Here are some free strategies you might like to look at:

    1. Write articles in various Web 2.0 sites.

    2. Exert some time doing blog and forum commenting which are on the same niche as yours.

    3. Partnered blog. Seek for a blogger who would be interested in mentioning your website.

    4. Video marketing using various platforms such as social media sites and YouTube.

    5. Social media marketing. These are free sites and are widely used by many individuals. Because of that, it can be used for marketing your website. People who are interested of your chosen niche will definitely click your website.

    What Should Not Be Done

    Google is very strict when it comes to Google AdSense. You have to make sure that you follow these guidelines:

    1. You are not allowed to click your own ad.

    2. You must not ask people to click the ad. Something like “Hey, could you do me a favor? I need you to click this link: blah… blah… blah… ”

    3. Be careful in placing your ads. Some website owners place this advertisement in areas where people may click them accidentally. Do not do that.

    4. Promote your website well. If you will ask a company, make sure that they will follow Google’s guidelines to proper promotion.

    5. Make use of Google Analytics.

    6. Ads may not be placed on websites which are prohibited by Google such as porn sites.

    7. Do not tamper the codes provided by Google.

    8. Avoid pop-ups which have no relevance to your niche.

    9. Respect Google’s trademarks.

    10. Be responsive whenever Google needs to contact you, in case your Google AdSense experienced a problem.

    Once you have finally ensured regular visitors, then more people will be able to see the Google AdSense you are trying to work on. You do not need to spend lots of dollars in order for you to be able to increase the amount of traffic your website is receiving. And basically, if you will only rely on Google AdSense, spending money for your internet marketing strategies should never be an option.

    But if it will serve as an additional earning apart from your online business, then this should not be set aside. The money you will be earning from it is still decent enough and it requires no investment. Good luck on your Google AdSense.

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    Source by Hiyasmin Loong Elebaran

    Views: 0

  • Why Do You Need an Attorney for Marital Arrangements and Settlements?

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    It is very unfortunate, when you are on the verge to sign a divorce agreement. But in spite of the emotional breakdown, you have to be caution before signing any agreement of settlement framed by the attorney of your spouse. If you do not agree with the settlements mentioned in the drafts, do not sign, rather look forward to hire a prolific divorce lawyer who is famous in handling most critical divorce cases.

    What are the qualities your attorney must have?

    Before hiring a divorce attorney to defend you for the case make sure that the legal professional and qualified enough to handle such critical case. Hence, it is recommended to hire a lawyer from a known countenance.

    If you have to appoint the legal practitioner without any reference, go through the website of the expert. Check the testimonials and the area of expertise. Moreover, check the reviews of the lawyer and how many successful marital agreement and settlement cases he/she has handled? Checking the license of the lawyer is also suggested.

    If you want to stay confident about all the mentioned pointers, consult a reputed attorney or a well-known solicitor firm that has the strong background of defending marital separation and settlement cases.

    Hire an attorney to write the agreement

    Often the departing married couples decide their own terms and depending on that they try to write their own agreements. But it is strongly recommended that even for a mutual agreement settlement you should afford a lawyer. These legal masterminds have the expertise to draft the lines with the legal twist that covers everything that have been decided among the divorcing couples. Often the self-drafted papers look vague and unclear. Moreover, the opponent can take advantage of the unclear data and blackmail the other spouse in future. This can also call for another case. Hence, to stay away from all such anticipated debaucheries, it is better to hire a lawyer and get him/her write the agreement.

    Handling the agreement of child custody

    The children of the separating parents have to go through several traumas and troublesome time. Therefore, lawyers of both the parties and the court are compassionate about such separation cases. Usually, the children are handed over to that parent who is more responsible and economically stable to take care of the kids. Some unfortunate cases have also witnessed where both the parents are not interested to take their children. During this critical situation, the court takes care of the kids and they are handed over to homes. But if your case is different and you want to fight for your kids, you need to hire an experienced lawyer that can ensure that the children will be will you.

    Therefore, before signing the agreement of the custody let your Attorney read the drafts thoroughly so that you may not be misguided or cheated by the opponent about the custody of your kids.

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    Source by Garfield Langmuir Logan

    Views: 0

  • Warning Regarding Holly Mann’s Honest Riches

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    I like Holly Mann’s E-book on how to make money online and if I had to go back in time and buy it again, I would. Or … okay, I admit it. I absolutely love her book.

    So why am I writing a warning?

    First of all, you might be wondering what I’m talking about. Who is Holly, and what E-book?

    Holly Mann is a single mom and a retired “disabled” army veteran in her mid twenties. (I have no idea what her disability is, she looks pretty healthy and strong to me and you should see her as a contortionist!) She is an American living in Thailand with her toddler son, Josh.

    On her website she tells the story about how she went from $0.00 to $12,000 per month in online income. In other words, she started from virtually nothing but now she makes a killing online, working from home.

    Holly wrote an E-book which teaches anyone how to work at from home to make money on the Internet. This is something that even the complete beginner can understand. When I first read it, I was completely clueless – not only about how to make money online, but on the Internet in general. I didn’t even really know what a website was.

    If you have heard of the “Rich Jerk” you may have heard of Holly. Holly originally read the Rich Jerk’s E-book, but then wrote her own, under the motto to “No thank you Rich Jerk – Honest Riches!” Holly promotes honest and ethical ways to make money online which are successful and also helpful to others. In other words, she teaches you to earn money by providing services and products to people that will help them. She doesn’t teach you to fool people out of their money. People who operate this way always win out in the end.

    The money-back guarantee and the low price of her E-book is one reason why it is very easy to buy her E-Book and try out what she teaches.

    Holly is also human.

    Holly’s E-book teaches the complete beginner how to make money online. It includes methods on how to make money with no start-up cash, how to earn money by promoting other people’s products, how to use advertisement to earn money on your own website or blog (and even how to do it for free), how to write and submit articles which will result in online income, how to create your first website, and a lot more. Her E-book is also full of links to websites and software which will save you hundreds of hours in getting off the launching pad. And she throws in plenty of free bonuses.

    So what’s the warning?

    Well, when I first wrote this article (years ago) there were two points in her E-Book where she suggested methods of making money online that had been workable when she wrote them. But times had changed slightly so there were a couple of points I thought people should know.

    However, by now Holly’s E-Book has been revised and even those points are clarified extremely well.

    So there is no warning. In fact, I have recently reviewed the 2008 edition of Holly’s E-Book. It is not released yet but Holly sent it to me in an email.

    It is a virtual treasure. (By the way, the price will go up when she released the new version, probably in mid-August 2008. But if you buy the current version at the current lower price, you will get a copy of the 2008 version for free when it arrives.)

    Holly’s 2008 Honest Riches III contains 277 pages of very easy to read information. Everything you need to know about Internet Marketing is covered. And what makes Holly stand out from the crowd is that she uses such simple terms and explains things so clearly, that anyone can understand it. I found simple explanations of concepts that I had been searching for for ages.

    She also explains everything that is vital in making money online so that you will be clear-headed in taking every step you need to take, without wasting your time in confusion and blunders. Holly gives you the step-by-step instructions and procedures to take so that you can start making money online and reaching your goals.

    If there is only one thing you ever purchase to help you learn to earn your living (and more) online, I can honestly say, without a doubt that it is this E-Book. As a rule, I do not promote products in the field of Internet Marketing that I have not used and loved. There is just too much low-quality (or worse) garbage out there.

    I have heard some people ask if Holly is a real person. Holly is a friend of mine. I have taught her to write poetry.

    One of the things that makes her stand out from the crowd is her willingness to help people. Time and again, you see her going out of her way to give extra assistance and advice to people who want to succeed in making money online.

    All said, Holly’s E-book is still the best I know of, for teaching the complete beginner how to make money online.

    If there were only one purchase I could make in that field, it would be Holly’s E-book. And without it, I would still be swimming in confusion, or would have given up long ago.

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    Source by Anna Vera Williams

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  • Welding Jobs: Ideas You Can Use At Home To Make Money Welding (No Boss While You Make $100,000)

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    What if you could make $100,000 a year welding from home?

    What if you could make even an extra $500 a month from home, using your current skills? If you are a welder with basic welding skills and you are between jobs or you are being under paid in your current job, it might be worth your time to read this article – let’s think outside the box for just a minute on how you can make money welding from home.

    From Home Welding # 1:

    Teaching or tutoring any skill is a very profitable business. In any town of any size you’ll see at least one tutoring business in a strip mall brick and mortar location. In that same town will be at least a dozen other tutors working from home, making good money.

    Yes, most of the time they are tutoring math and reading to students. Lean back and think about what skills you have that can also be used in a tutoring business you can set up and milk cash from, like milk from a cow.

    Let’s say you are good enough with TIG to weld razor blades or pop can butts.

    If you can teach a non welder to operate a TIG torch good enough to go on and practice on their own at their home in about 3 hours of your hands on theirs – they will pay up to $100 an hour for 3 hours of TIG instruction. Just 2 students a day would bring you $100,000 a year. If you think I’m kidding I’m NOT! There are many reasons why education is so valuable – and that includes intense, focused tutoring in welding.

    6G pipe welding is the highest paid of all welding certifications – most 6G welders make $100k to $300k a year – and demand is crazy. However, if you are a 6G welder and you want to stay home, you can set up and teach 6G in your garage. Let’s say you do this with 7 students, each paying you $10,000 for a 3 month course. Yes, they will pay it – especially if you show them how they will have more time with your hand on theirs (the #1 secret to learning 6G fast).

    From Home Welding # 2:

    I was in Palm Springs the other day. I have been in and around the trades for 30 years… and when you see a tradesman’s truck and it is late model without dents or many scratches, clean, organized and well equipped, it means (99% of the time) that guy is making money.

    I pulled up to a light behind just such a truck – “Joe’s BBQ Service and Repair.” That’s it – that is all Joe does. He will weld cast aluminum or steel. He’ll clean and polish. He’ll replace a burner or a control. OR he’ll buy your old unit and sell / or sell you a new one.

    Yes, you need a town with a lot of high end BBQs. Other than that, go get it.

    From Home Welding # 3:

    Large steel cut outs. In art of all kinds, size matters. For example, 20 years ago we purchased two 4′ long coat racks – each is a piece of 1.5″ x 1.5″ x 1/8″ angle 4′ long with 6 horse shoes welded to the angle to hang the coats.

    On the horizontal surface of the angle is welded a scene made of 7 horse and 7 tree cut-outs. We paid $185 for each of these 20 years ago… that would be about $300 a piece in today’s dollars.

    The problem with you making these is that the 14 cut outs on each unit are too small too many to cut by hand – you need a computerized plasma table to make these.

    Here is where the magic of size makes all the difference.

    The artist who drew the cut outs on our coat rack was good. Each of the 7 horses is different and beautiful, as well as the trees. Any – or all of these – cut outs can be scaled up with chalk onto a sheet of say 4′ x 8′ x 3/16″ steel. Now, all you need is a plasma or an oxy torch to create the large version.

    What would a horse cut from a 4′ x 8′ sheet sell for?

    $300 to $700. It would depend on where you are and how you market it. Marketing is a large part of any business. Good marketing is not hard – you can do it.

    You can see, if you could get a “business pipe” full of inventory and sales and you were delivering 2 horses a day, you could easily make $100k. The other major opportunity with big cut outs is gates. The key to all of this stuff in the art category is beautiful line drawings. If you are not an artist, hire one on the condition that they sign the copyright to you.

    There are endless ideas to utilize even your most basic welding skills from home to make an excellent living or just extra money. The trick is:

    Step A:

    Find what will work best for you.

    Step B:

    Write out a simple plan of attack. Don’t put the cart before the horse. Many small businesses fail because the owner gets all wrapped up in the details and loses site of what is important. Here is what is important: Don’t spend money – MAKE MONEY!

    Step C:

    The first rule of business is to GET NOTICED. That is also the end goal of all marketing – once you have enough eyeballs on you, you will succeed. The common mistake is to leave marketing for last while concentrating on every little rule and piece of paper. A business license will do you no good if you don’t make money! Save your money and get it (if you really need one) when you make some money. Towns and cities will simply say, “do you have a business license?” When they ask, say: “I’m getting one now.”

    Conclusion:

    You are blessed to live in a country where you can go from nothing to something in a hurry. However, to get anywhere in a hurry requires running hard. You’ll never regret it.

    What should you do next?

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    Source by Scott R. Linden

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