Why Small Business Needs Accounting

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According to the NY Times, one of the ten reasons small businesses fail is due to improper or lack of accounting. Corporations spend a significant amount of money and hire accountants to report on the status of the company and maintain day to day operations. Yet, many small businesses end up failing to maintain proper accounting.

Accounting Helps with Operating Your Business
Proper Accounting helps pay employees and vendors; helps with customer invoicing, helps post payments; tracks your business assets and liabilities, and most importantly, it calculates any profits and losses. Small businesses cannot operate if they can not pay their employees or ignore vendors bills and continue receiving materials for their products. Often, those functions are ignored by small businesses due to lack of time thus resulting to work stoppages.

Accounting Provides Feedback
At the end of every period, may it be monthly or yearly, as small business owners, you have some idea of how you performed and accounting provides you the validation you need. It will tell you if you made a profit or loss. If you happen to have a loss, it will determine where your biggest expenses are coming from and if you did make a profit and still left with a small cash balance, it will probably tell you which customers havent paid and which customers are now delinquent. Small businesses fail when what they think is not true and this is the most important reason why small businesses need accounting.

Accounting Helps Comply With Legal and Contractual Obligations
The IRS, other government agencies, and banking covenants require businesses to provide a detailed accounting of their revenue and expenses. Depending on the size and entity type, it also requires you to have a balance sheet or listing of assets, liabilities, and equity. Accounting provides you with that information easily. It provides business owners the right amount of withholding, deductions, and back-up just incase they get audited.

Accounting Provides Non-Financial Insights
Many small businesses fail to realize that accounting is not just financial information. It has information on timing, customer information, employee information, and other information that may not necessarily be part of your financials. For example. a key non-financial trend that small business could pay attention to is their customer demographics, you can identify what your customers age, location, and how they order products and services and you can zone in on advertising to that demographics thus increasing revenue and could lead to increased profit. Another, key non-financial trend small business can pay attention to is monthly sales figures, when a small business realize that a continuous trend of slow monthly per year. A small business could either ramp-up advertising 30 days before as anticipation of the slow month or they could plan a family vacation.

The Most Important Tool in a Students Study Arsenal College Textbooks

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Studying in college is clearly one of the most vital tools a student has, to achieve their goal of a degree. Textbooks are the most important tool in a student’s study arsenal. Without securing the necessary books, a student risks falling behind and failing to do his best.

Securing books prior to the start of the semester is the best move a student can make. Professors often assign work right from the very first class, and delaying the purchase of books can be a devastating error. Thankfully, several avenues exist for procuring the necessary textbooks. Purchasing textbooks is a solution that works for many students. Being able to use the books for reference even after the conclusion of a class is appealing to many students. If a student opts not to retain the book, buyback programs will help the student recoup some of their costs at the end of the semester.

Other students choose to rent their textbooks. Renting allows a student to have the necessary book for the semester, but doesn’t require the cash outlay that buying a book would. It is also environmentally friendly, as books are returned to the textbook company, rather than possibly ending up in a landfill.

Once the necessary materials are secured, the student is ready to meet their educational goals. A students methods of study will greatly influence the outcome. Students should ask themselves the following questions when setting up their study plan of action: -How do I learn best? -How will I be asked to recall the information? -When do I do my best studying?

Some students find outlines to be the best study tool. Others prefer flashcards. Some find discussing the subject during a study session with other students to be most beneficial.

Studying for an essay test is very different than studying for a multiple choice exam. Knowing what type of exam is being given will aid the student in choosing their study methods. If the exam is essay form, outlining answers to some possible questions will provide a handy framework. Outlining class notes and careful review of the text is often vital to preparing for any exam.

All night cram sessions can work, but most students do best with a more moderate study schedule. Larks and night owls each need to find a study schedule that works with their biological clock. Steady sleep schedules will go a long way toward college success.

Academic success is an important goal, and the right materials, study skills, and rest, will aid any student in their quest.

How To Be a Healthy Person

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If you want to be healthy, and I assume you do, then I have four words for you. Diet, exercise, hydration, and sleep. Without all of them in good working order, you will not be any healthier than a car that has plenty of fluids, except is oil. That car will not last, just like your body will not last.

They say you are what you eat, and there is some truth to that. If you eat poorly, you will have poor health. But more than that, even if you get plenty of exercise, drink lots of water, and get adequate rest, if your diet is poor, so will be your health. A healthy diet includes all food groups in the correct proportions. Your diet should consist of roughly protein, fruits, vegetables, and carbs. This is a simpler way than the food pyramid, food plate, or whatever they use these days.

To be healthy you also need to get enough exercise. The best combination is 3 cardio days per week, and 3 weightlifting days. And not just any exercise will do. I see guys at the gym all the time lifting weights, but never getting bigger muscles, women on the treadmills, never getting thinner, and one toothpick woman who never gets stronger. The reason is that the guys never push themselves by doing heavy weight or hard lifts, the fat women never go faster than a brisk walk, and the toothpick lady never lifts more than about 5lbs. You have to make it burn and keep getting better, stronger, and faster.

Your body is made mostly of water. 70% of you is H20, so you can imagine that drinking lots of it is kind of important. It turns out that it is, and that you will be much healthier with plenty of it. Almost every chemical reaction your body goes through to keep you alive and moving takes place in or with water and it wouldn’t happen without it. Getting enough can be tough though. The best rule to follow is to take 3-4 swallows of water every time you use the bathroom and drink plenty during and after workouts.

Lastly is sleep. This is the time your body repairs itself and gets ready for another day. If you don’t get enough, you don’t repair properly and consequences will follow. Don’t drink caffeine much either, because it will cause you to feel energetic when you are not. So it you are tired all the time and feel like you need a boost, try sleeping more instead of coffee. If you do, you will be a more healthy person.

Chat on Fashion Jewelry

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This is a place to discuss fashion jewelry together, including wholesale, retailing, trends, imports, and everything about jewels!

Button Earrings:Famous movie stars who walked on red carpet this year lead to a new fashion trends, which is button and stud style earrings step to the forefront for 2013. I join the parade to see how many ‘out-of-stock’ notices or posts there were for these styles on electronic commerce stage or online shopping stage. What I like most is the recycled nature that old buttons can be reused into brand new jewelry and accessories.

Chandelier Earrings:In recent years, new modestly sized styles were seen in recent jewelry market shows in 2012. Big and bold is still making a statement even if pared down to a more ‘condensed’ version of 2011’s over-blown attention grabbers.

Hair Jewelry:Evident at bridal runway shows and at some red carpet events, barrettes, hair bands, tiaras, and brooches pinned in place have particular appeal to younger clients for their whimsical effect.

Jazz Age Styles:The flapper dresses from the 2012 runway shows combined with Art Deco-inspired looks in bridal and fine fashion jewelry are bringing a sense of history to mainstream jewelry boxes. I believe this is the biggest trend of the year ahead.

Moveable and Interchangeable Jewels:Ear charms are an increasing category (think of styles from Trsor Collection and Oliver Smith Jeweler) that offers diversified looks for owners. Plus, the inherent movement in these styles and other types – like mixed-link drop earrings – can mix well with voluminous fashions and those that demand drama.

Pearls:Will they be important roles for retailers in 2013? My sources are recommending smart stores will be keeping fresh water and small, colored strands in the forefront for at least one more season.

Geometric Shapes and Tribal Effects:Angular pieces like square rings and bangles will work well with column dresses while horn and leather accents will speak to tribal looks in fashion. There’s just something very hot about this!

Tangerine:Pantone’s Color of 2012 and a big hit at spring runway shows. Coordinate other bright colors with it – and keep it in stock in the form of stones like citrine, fire opal, and more. I have the best recommendations for the sharpest, yet durable gems to use.

Yellow Gold and Stones:Stones like beryl and rutilated quartz are abundant at shows and exhibitions, suggesting that both will be prevalent in future lines. Gold’s price has dropped a bit, further reinforcing the ongoing gold standard. This is great news to your ears and other parts!

This article come from –

Pink Barbie Dress Up Fashion

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Everybody loves pink. This is true not only among the girls but you can also see a few guys who also love the color which can be seen on their preferences for clothing. Pink applies also to many other items, not only among the accessories but also to the clothing from reality to fantasy. If you love fantasy and the pink color, you might also love the pink Barbie dress up.

De-stress from the terror teacher that you have in school and spend your spare time with pink Barbie dress up. Instead of agonizing how your teacher scolded you in school this morning, why not enjoy the fun and glamour that you can have with Barbie!

Like the color of pink, everybody loves Barbie. This slender, teenage doll have become part of a woman’s life somewhere in her childhood and for this reason, Barbie have survived decades of her controversial existence.

Now let’s talk of the pink and the Barbie with pink Barbie dress up! Have fun with Barbie and don on the fabulous clothing that she have in her wardrobe. Barbie has thousands of clothing that can be said rarely gorgeous but since we are in the pink fashion today, find all kinds of pink, from the subtle color or carnation pink to the bold personality of the fusha pink. Get all the sorts you can find and lets start the pink Barbie dress up!

Have the cool and fashionable look with a long-sleeve knitted tops, plain in color match with the checkered mini skirt. A pair of pink boots do not overload the style but gives an added accent. Make the look balanced with matching accessories in pink! A word of caution hover, do not overload!

Who says that polka-dots are only for the retro years? They are still the stylish texture that one ought to have in her wardrobe. Find the polka-dot leg pants and match it with a red overcoat! A four-buttoned fashion jacket with slanting collar is perfect for a chic and smart look. Leave your hair flowy and give it the brown highlights if you are blonde! The flowy hair make sure that you get the instant eye catching look as you pass by!

The classic white turtle neck top is best matched with a skirt jeans in pink Barbie dress up. Match it with a pair of sexy black boots . Dye the hair with brunette color and set the curls with curling bars! Find the perfect necklace to match the outfit!

Pink is the color of fashion. Find the best matches with the color of pink and bring out the feminine side of you! Be fashionable with pink Battledress!

Toasted Pumpkin Seed – A Healthy Snacks

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Pumpkin is a nutritious vegetable as well as we are using it in Halloween. Most of us curve the pumpkin and throw the seeds. We never know that pumpkin seeds are also very nutritious. There are various vendors who roast and toast the pumpkin seeds and sell that with various packed options.

Americans are adopting such superfood in day-to-day life because of its high nutritious values. Toasted pumpkin seeds are easily replaceable with fried and unhealthy snacks. Peoples like us in United States want to cut down the calories without missing the tasty, crunchy snacks. So, there is no better option than roasted or toasted pumpkin seeds.

Lets check out the nutritious values of toasted pumpkin seed. It is high in fiber. If you look through vitamins side, it is having vitamin B as well vitamin E. There are various essential minerals like zinc iron and magnesium. There are some vendors who offer gluten free pumpkin seeds as packed snack food. Such kind of products can help people to maintain their healthy snacks habits even if they have celiac disease.

In pumpkin seeds, you have great option of having low calorie healthy snack. You can toast at home by shaking the pan constantly over medium heat until seeds turn golden brown. If you dont want to waste time in making toasted pumpkin seeds, there are manufacturers who made available the toasted pumpkin seeds in various sizes of packages. So, you can buy the healthy packaged snack from a grocer or manufactures outlet.

One of the said idioms precaution is better than cure is perfectly suitable to this healthy food. Toasted pumpkin seeds help you to take precaution by offering various vitamins and minerals with fiber. It is low calorie snacks, so there is no more chance to have high cholesterol level. It is also gluten free, thats why it is great healthy snack for people having celiac decease. Its special element also helps to fight against depression. A study has proven that pumpkin seeds also prevent the formation of stone.

Various families in America are adopting the concept of healthy snack on board. Are you one of them? If not, be one of the healthy families by having toasted pumpkin seeds in your daily healthy snacks diet. There are several vendors offering large variety of packaged toasted pumpkin seeds. So, grab pumpkin seeds and be the healthy family.

India Education has to stay in Government Hands

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The budgetary allocation for india education, should be revised every five years, Right now, the money allocated for education is far too inadequate. We need to set apart at least 10 per cent of the GDP to meet the educational requirements of india. Inviting private players will turn the education sector into an educational bazaar. They are interested only in making money and lure students with false promises.

People who impart education should be able to identify with the students and display an active interest in their future. If the corporate houses are really interested in making a contribution to the india education sector, they should provide money to the government or institute scholarships or fellowships for the students. The point is if the government really has the will, then it can find the money.

The salaries of professors in colleges should be fixed at reasonable levels. The government will actually be saving money by rationalising salary structures and this money can then be spent on providing quality education to students. The government is also not filling up existing vacancies in universities and colleges. The money thus saved can be diverted for educational purposes as well. The disparities in salary levels become more glaring among guest lecturers. Even after the recommendation of the University Grants Commissions pay review committee that guest lecturers be paid a salary of Rs 25,000 per month or Rs 1,000 per lecture, they are at present offered just Rs 200 to 300 for every lecture. Even the various teachers associations are not talking about the poor salaries doled out to the guest teachers.

Another important point is that india education should percolate down to the grass-roots if it has to have the desired effect. The government, instead of helping the poor to get educated, is withdrawing financial support for the education of the downtrodden. Nearly 30 years ago even people living in rural areas could access good education because the fees were very low. The government also displayed a relatively more positive attitude towards imparting education..

Today, people are going to big cities to pursue higher education after paying exorbitant fees. Even then, very few enroll for higher education in india. Schools and institutions of higher education in india should be allotted sufficient amount of money to take care of the requirements of the student community in rural areas. Education must not remain in urban areas alone, It has to reach the village level.

Maori Education The Path to Our Future

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Figures recently released by the Ministry of Education show that there has been a steady growth in Maori tertiary enrolments. However, although there has been growth in enrolment figures, this growth has been attributed primarily to growth in attendance at Wananga and educational institutes that empower Maori to embrace not only the learning of their history and culture, but teach mainstream educational courses in a manner that appeals to the style and formality of the Maori culture itself.

However, the figures also indicate that Maori are less likely to enrol in tertiary education facilities during the core tertiary ages of 18 to 24. According to the University of Waikato, a number of factors have been identified as affecting the successful participation of Maori students in tertiary education. These include the transition and adaption to unfamiliar environments and learning procedures, inappropriate support systems, financial barriers and a lack of social and academic support. A number of studies have highlighted the high number of students who are first generation participants in tertiary education, for whom adjusting to the practices and rules of a new environment without the support of whanau (family) is difficult.

Nonetheless, the emerging signs and trends of increasing Maori participation in tertiary education institutes are encouraging. Further research into the role of Maori education has highlighted the need to tailor the learning style, experience and environment to suit the aspirations of the Maori culture and the value of the whanau.

According to a review of Maori education conducted by MAI in 2007, the further education of the individuals, both young and old, is essential for the continued development and future prosperity of Maori and the culture. With a better educated population base, the review proposes that Maori will be better able to determine their own futures and prosper, both economically and socially. Marginal educational records and enrolments affect the future prospects of the individual and the whanau. However, several initiatives are proving very successful in respect to enrolment and completion rate of Maori students. These include empowering Maori in the community to take on leading roles in education institutions, developing role models that young Maori aspire to replicate.

Leading tertiary providers in New Zealand have realised these facts and have created tertiary environments that not only cater for the general public, but provide specific learning styles, teachings and learning environments that are conducive to the continued promotion of Maori education. Those who are serious about Maori education have gone so far as to provide customary Maori buildings, such as the marae, which is not only the focus of the whanau, but learning and education. Plus some institutions provide a”Manaakitanga” programme designed to support students’ success in their studies.

Buying An Automotive Extended Service Contract

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Should You Buy An Automotive Extended Service Contract?

The decision to purchase an extended service contract or mechanical break down policy as they are sometimes called is a decision that has many variables. Depending on the age of the vehicle, the usage, how long do you plan on keeping the vehicle for are just a few questions that need to be considered.

If you look online, some of these so called gurus who write scam pieces will tell youDont Buyits a scam. I whole heartily disagree with their opinions, I question if they have real world knowledge and experience to begin with. If they did, then I firmly believe their opinion would be other wise.

The scam comes when you are charged outrageous and inflated prices for an extended service contract, they are not cheap to begin with, but those who exasperate the cost are the ones who are taking advantage of unsuspecting consumers. Or perhaps even requiring you to purchase as a condition of buying the vehicle, you should never be forced to buy under any circumstances.

With automotive repair labor rates ranging easily up to $100.00 per hour or more, it doesnt take a huge repair to cost you major bucks, and with the electronics and technologies of todays automobiles, parts prices are equally as expensive.

During my 26 years in the automotive service industry, I can recall countless and numerous times where customers wished that they had purchased, and those that did were glad they made such a sound financial decision.

Consider the following examples of repair cost:

Air Conditioner Repairs can easily cost $1500.00 for compressor replacements.
Transmission Overhaul or Replacements–$3000.00
Water Pump replacements–$600.00
Power Steering Pumps and Steering Gears–$600-$2000.00

However, dont be mislead into believing a mechanical break down policy covers every nut and bolt on the vehicle, there are variables and different kinds of policies as well. Some cover seals and gaskets, wear and tear items, consequential damages etc and others dont. Be aware of what it does and does not cover before buying, this will save you a lot of grief in the event you have a mechanical failure.

It is a major decision, and one that requires weighing the advantages and disadvantages.
My personal and professional opinion is that if you are going to use the vehicle on a daily basis, you plan on keeping for 2 years or more after the original factory warranty has expired, then you should purchase the extra protection.

It is after all, like an insurance policy, you hope that you dont have to use it, but it will give you some peace of mind in the event that you have to have an expensive repair.

Save The Planet! Environmental Science Fair Project

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Environmental Science Fair Project

There are increasing numbers of students who are choosing an environmental science fair project for their school assignments. Hardly a day goes by that there is not some sort of news event on the television regarding the problems we are facing with the environment. These students are choosing an environmental science fair project for school because they are interested in studying this area of science. Many of these students are very devoted to finding solutions to the current environmental crises. They have the long term vision that many adults lack by realizing that what we do now will affect the planet in a positive or negative way for years, decades, and/or centuries to come. They are taking this devotion to the cause and choosing an environmental science fair project as their topic of study.

An environmental science fair project can be presented on a wide variety of specific topics. Issues surrounding soil use and preservation are some of the most popular. These issues deal with loss of topsoil, which is where all the plant life is grown. This type of environmental science project can also examine the effects of runoff on the waterways of the world. The silting of rivers is a major concern due to the detrimental effects to plants and animals that rely on oxygenated water for survival. An environmental science fair project may also cover the issues surrounding the use of pesticides and other chemicals on the soil and surrounding wildlife. Students who demonstrate aptitude in these areas will likely continue their passion into their careers as agricultural scientists.

Other students who choose an environmental science fair project could focus on the latest increases in greenhouse gases around the Earth. While the task may sound too monumental for an environmental science fair project, there are ways to scale down the project. These projects are scientifically accurate and if properly implemented and documented can lead to the answers we are in need of to address this issue. Likewise, the study of animals such as frogs can lead to knowledge that can be applied on a larger scale. Frogs are the litmus paper for the health of water, and students can gather information in their local areas to determine the health of ponds and streams.