Online Process Direct Deal For payday Loan With Direct payday Lender

All the consumers prefer to get guns at their first choice when they are surviving just because of bad financial deal. But before considering there is essential that applicants have to understand the various terms and conditions either all  the critical  overviews of the applicants. The applicants must have to understand the cost and the entire valuable particular regarding to the reliable payday Lenders. There is essential to do comparison between direct payday lenders and the middle agents. To get the loan from direct lenders is much feasible and cheap rather than broker or middle persons. The reliable lenders provide sufficiency to the individuals to resolve uncertain monetary requirements.

The first thing is chose out all the reliability of the particular lender when the consumers are going to apply. several institutions are being existed such as Consumer Finance Association and Consumers Credit Trade Association, these are such organization that supports of the right of the applicants and keep try to manage with proper manner in the lending industry. Therefore, when you are going to apply with these loans, be aware that this company would be recognized under these pecuniary organizations. And if you are unable to find such lenders so you can easily prudent to conveniently contact along these institutions and state for check the aliment with your particular lending company.

The procedure of getting subscribe loan is consisted over online facet. The Direct payday Lenders simply acquire to fill the acquirement's of the lenders. In the online process, the loan is easily sanctioned after fewer assessments over particulars. The  loaned is disbursed into the checking account. The providers of short term loans are ease and provide the borrowers the immediate assistance to fulfill extra cash requirements. There is need to remember fewer things when you are going to apply for squat nature loans that consumers must have inhabitant ship of united states. The borrowers must have earning caliber to repay the loan. The legal age should be18 years or above and must have steady checking account.

To be subscribe loan from the direct lenders provides sufficiency to resolve all the uncertain monetary requirements of the individuals. Many individuals who become stuck in debt could conveniently get support in their pecuniary trouble. The loan is provided the consumers with fastest accessibility to whom either who are suck in poor financial background. Many of the Direct payday Lenders don't ask for the credit status of the individuals. The documentation don't require in the approval of the procedure. These loans are quite help full for the applicants and offered squat process to accomplish all the requirements of the individuals. The unpredictable expenditures are easily managed along this facet.

Investment In Forex Trading Business With Knowledge

A good chance of catching your share of the Forex trade potential is by acquiring currency trading education. If you attempt in Forex trading without proper forex education, the you will lose time as well as money. if you acquire yourself the knowledge in Forex trading using a grand forex trading course, then you will invest money and risk small  quantity of time.

Before taking your investment risk, you need to take fores trading courses and then decide carefully the amount you can lose at risk without causing any problem in your others areas of life. Learn through the Forex trading courses, in making stop  loss conclusions base on current market situation and analyzing how the similar situations in past have affected the market. Learn the different trading systems and analyze  how and why they may work or not. In addition, check the risk factors whether in your case; the Forex trading system is right or not.


Forex trading courses allow the learning traders to learn trading by using practice mock accounts, so that you can check whether you would lose or win. Until you reach more than 50% win on these practice accounts, you will lose the money. These accounts will help you to know the winning and losing statistics. The Forex trading courses also explain the graphs with trading signals in order to follow the market.

When you examine a downtrend charts, always view the big picture and neglect them, which in business terms call noise.. These are few ups and downs to ignore, which occur to the currency price but focus on major and general occurring trend, Many people invest in Forex trading forcing their beliefs on the direction of currency as they analyze down trends, you have to avoid this behavior in order to achieve success as a Forex trader.

With Forex online trading systems you can really know how to trade Fores  successfully in no time soon. The fluctuations in the Forex prices are determined by various factors. some of the factors are international economic scenario, international political situations, and level of interest rate.



   
  

How Can Fastest Food Delivery?

I think you like fast food delivery? Greasy meat, full of calories, bi tummies, laziness, people stuffing their faces full of fat-filled food? well, now those people don't even have to leave their houses to get that food; it;s  now become the new trend for those restaurants to deliver to their patrons. That's right-fast food delivery: you call, we deliver....

You don't even have to move from the couch. you can even have it delivered 24 hours a day, if you can find a restaurant that's open, just pop online, then just click what you'd like, and bam! You're done. Easy as pie. Pretty amazing that fast food delivery has gotten that simple, huh? Even Burger king has gotten the message; it's now experimenting with a fast food delivery service. As of January, the pilot program was introduced into the Washington D.C. area, and will and will pay a $2 delivery charge for a minimum order of $10.00.

So, does Burger king think it'll really work? The chain "has had great success with it all across the globe including in Mexico, Turkey, Brazil, Columbia and Peru, says Kristen Hauser, a spokeswoman for the company, "we are currently testing the service to bring this convenience to the United States, starting with just a few restaurants in the DC area.

While not delivering milkshakes, fountain drinks, coffee or breakfast foods, the company ensures customers that the food will be hot and fresh when it arrives within the promised 30-minute delivery time. So, why haven't other main restaurants, such as McDonald's and wendy's started fast food delivery? well, in terms of these most popular restaurants, they do deliver in other countries, such as Indonesia and India, but in the United States, where there are more rural areas, it doesn't make as much sense to deliver for McDonald's.

They make so much money with the way they make their food that they would actually lose money if they had to deliver to rural areas. The great thing about fast food delivery is that you can go online  and search for local restaurants on sites such as grubhub.com and urbanspoon.com How does it work? Type in an address, and it tells you the restaurants that deliver to that locale as well as showing you droves of pickup restaurants near you.

Want to be more specific? Search by cuisine, restaurant name or menu item. It then filters your results accordingly. When you find what you're looking for, you can place your order online or by phone, free of charge. oh, and it also give you access to reviews, coupons, special deals and a 24/7 customer service team that tracks each order and makes sure you get exactly what you want.

Living in a fat-tracked world can be both good and bad, but when you don't have time to grab lunch yourself, at least there is a way to go online or call your local restaurant and get food delivered right to your door.

Your Must Be Start Letter With Specific Job Goals

Resume Write to carefully for all check the important point . Most of them know what kind of job they are seeking. Every so often, however, I encounter someone different. The exchange generally goes like this:

Me: "What job are you seeking?"

CLIENT: " I don't know. At this point, I'll take anything."

Me: " That's not a good way to go about writing a resume. You really need to focus on some kind of job in order to be successful."

CLIENT: "But I don't know what kind of job I want. Can;t yo just write me a resume anyway?"

If the conversation persists like this, I explain to the client that if they don't know what they want , I can't ethically take money from them because they're asking me to write a resume that I know will fail. I know this because I know how employers think, and what they want to see in a resume.

There's a fundamental reason why employers don.t want to see resumes without clear job goals: I you write a directionless resume, you are asking the employer to tell you what kind of job you should have. That's not up to the employer, that's up to you. An employer reads a resume with just one question in mind: "What's in it for me?" If your resume doesn't answer that question, the employer has a whole stack or resumes stretching halfway to the ceiling, from candidates who will.

That alone is something I believe people forget: competition. When you submit your resume to an employer, you are one of approximately 400 candidates jockeying for a single job. It's hard enough to get the employer to read your resume, even if it's perfect. If you come across as directionless, that employer will toss your resume into the circular file.

"So," you ask, "how do I decide what I want to do before I write my resume?" one method would be to consider the jobs you've had previously and eliminate the ones you wouldn't take again on a bet. Then consider your strengths, the things you've accomplished outside of work, the activities you enjoy doing. Is there some way you could find a job doing one of them? Ask yourself if there's something you love to do so much that you'd do it without pay.
    

IT Business Industry Increased Sales Leads

Is the fact that the IT business industry can be very ambitions. Think about it, there are just too many of you entrepreneurs extending the same service in an increasingly small market. Further elaborating the problem is the fact that there are more of you joining the trend. There are just to many rewards that a businessman like you should not pass up. It sure makes you wish for a new solution to use, right? Now, along comes quality IT sales leads. Using technology leads has been proven time and time again as a valuable means for company to get ahead of your competitors. You can use it to improve your presence further in your market. It can also  help you identify new business opportunities that you can try. This is one great investment you should try.

In the total sales operation of your information technology company, It lead generation plays a crucial part in its development. Such B2B leads are very important in helping businesses earn profits in their sales campaign. Remember that lead generation services are the best firms for the job. They have the experience in generating the right sales leads that you require. It is very efficient method. NO matter how difficult the target market is, or how your competitors work , a professional lead generation services provider can still do it. You can get the IT leads you need quickly. The thing that makes all this possible lies in outsourcing the job to the correct lead generation services provider. You cannot risk skipping this part. If you fail to get the right company to work IT lead generation to work for you, then you will fail.

Another reason your information technology firm would want to work with a lead generation agency is due to speed. Competition cab be very though, that is why it makes sense to outsource so you can get the best sales leads fastest. Business is a race, plain and simple. The company that gets their B2B leads fastest corners the market first. The last factor would be with regards to cost. Are you going to invest in assets that will cost you a lot with returns that will not be quickly felt?  I do not think so. An IT lead generation firm can provide you with the best sales leads at the least price. Yes, they may look that expensive at the beginning, but the quick rewards it brings more than makes up for the cost. This is possible because of the improvements done with modern telemarketing services. All this made possible thanks to improvements in modern telemarketing techniques. The IT leads produced are of the highest quality.

As an investment in business, you can be sure to get a lot of benefits from the use a professional IT lead generation agency. You can be sure that the leads you get are the best.

Risk Management For Business, Financial Agrements

Concern for both individuals and businesses. The word itself can be misunderstood because of disagreements about what constitutes a risky activity. Because risk can have so many different interpretations, strategies for reducing or managing risk can prove unsuccessful merely because the risk management goal is not adequately described. But this difficulty does not mean that risk management should be ignored. Instead it should serve as a caution signal that a bumpy road is on the horizon when dealing with risks of any kind. 

How do financial agreements fit into a risk management conversation?

When companies talk about the risks they are exposed to , it is usually in the context of unknown events such as the economy and political outcomes. It seems unlikely that a manager would point to her commercial mortgage financing agreement when asked to identify the top ten business risks faced by her company. Nevertheless financial agreements like this do provide a unique risk exposure that is often over looked until it is too late to avoid a serious problem.

Small businesses frequently experience different risk than those at larger companies. The lack of personnel is a common factor contributing to this. While a large company might have someone (or several people) whose full-time job is to handle risk management, a smaller company is more likely to have its business owner attempting to keep risks under control whenever possible. When managing risk is just one of several dozen important responsibilities, risk management is by default handled much differently than when it is a full-time job.

Within this hectic managerial environment for a small business owner, now try to imagine how familiar they are with the terms of their financial agreements. Some of these could involve contracts like the following examples:

Credit Card Processing

Commercial Mortgage

Working Capital Financing

Payroll Taxes 

Various Insurance Contacts

The commercial mortgage agreement will used to illustrate how risk management can be a helpful tool to prevent unexpected surprises. In many commercial real estate financing.

The Crystal Rule Of Sales For Any Business

The rule follow success for business but how can contain the rule.Do you know the rule of business?
Now I don't know about you, but when I was growing up my mother always told me the crystal rule, you know the one, 'Do unto others as you would have them do unto you or as what she used to say, " Treat others the way you'd like to be treated".

Now this is a pretty simple rule that most sales organizations and sales people understand, and it is getting used regularly.
 This is good right?

Well not really, not if you want to stand out from the competition and build supper strong relationships. The traditional crystal rule id good, however it really needs to change just a little bit if you want to be effective in today's sales market. It should go a little bit more like this "Treat others the way they want to be treated" this is really important when you are talking of communicating to a customer, and it 's the old 'what's in it for me' principle,  you probably heard that before haven't you WII FM?

So WII FM, think of it as a radio station or a frequency that all your salespeople need to be communicating, they need to be communicating in the frequency of the customer. What 's in it for them? What needs are you meeting of theirs? What problems are you talking about? Are you using their language? Are you in it for the sale, which is your concern on your frequency, or you are involved to help them, which is their concern o their frequency.

Now many people claim to know this, everyone talk about it, but  I'm still seeing sales people everyday who aren't talking on the WII FM, frequency for their customer, and the reason is simple, reps like the tuning to their own station, it's just the way they are sales reps often have a strong sense of themselves and the gift of the gab; but your customers won't care about your frequency, they don't care about your problems about your needs for sales, they will tune out.

 

Success Business With Marketing a Products Online Using Information Internet Articles

All you do is writhe and informational article about a topic that you are very familiar with , in an industry where you have a lot of experience. At the bottom of this article you leave a link to your website. Those that do online article marketing often have something to sell on that website, and they reach their targeted traffic, that is to say those who are interested in those types of products, and invite them over to have look see. Okay so let's talk about this of second shall we?

Although I've written thousand of articles online, I am retired, and I am not selling a product, but I've watched others who are, some of them are informational products, some are physical products - and there are even some who sell their service such as consulting, coaching, or professional business services  in the same manner. That makes sense right? Does it work you ask? Actually, it is working for a good number of peoples, provided that they writhe only quality content, and don't produce garbage article - or articles with very thin content stacked with keywords.

Best of all, those that do it right succeed, and those who don't fail. But isn't that how business works anyway? If you produce good products, People come back for more and they tell their friends and refer you more and more customers and clients. If you don't make good on the promise, people complain write nasty reviews, and your sales die. Which in this case would serve you right if you are writing poor quality content, and you are tricking your reader into viewing an article which had been poorly written, and contains information which is such common sense it is hardly to be considered informational.

By answering a question for reader, or explaining the ins and outs of an industry or type or products, you are establishing credibility, educating them, and they are thankful for that. Thus, they're more likely to click on your link, come to your website, and from there it is up to you to convert those clicks the sales. That is a totally fair deal, as  long as you don't abuse the privilege. And like I said above, those that have abused this venue have paid the price, and have been weeded out by the users, readers, and what would have been their future customers.

Products Selling Art Of Science For Modern World

Everybody cannot sell to anyone. Whether selling is an art or a science is subjective. Does it matter? Are wears sales people loaded with bias in regard to this question? Is there not a bigger issue at hand here?

What is critical is that your business sales and marketing leadership must generate excitement, spontaneous enthusiasm, buzz and traffic. Selling is a process. Sales people, in general and as a whole,  are independent and do not respond well to tracking their funnel-unless the process or system helps them close more deals.

Absolutely people buy from people. Absolutely the value you add to the product or service you offer as a sales professional is critical - but your superior performance is often offset by your under-performing colleague.

Selling, as it impacts your business, is a science.

What is critical to your business and its sales force, as a whole, is it must know how to capture leads efficiently and effectively, how to consistently follow up with those leads with a process that eliminates a leaky funnel, how to convert those leads into advocates by creating an experience surrounding their purchase. Your business must have a sales team that knows this system will only enhance their performance through increased opportunities and conversion of leads to customers. Your sales team will create more sales when your process enables them to spend all their time in front of their prospect. Your sales only be as good as the sales leadership. Your companies gross margin well only improve as far as your sales leadership excite, support and recruit/train top sales talent.

So at the individual level, selling is an art.

It is an art not everyone can success at when compared to other more suitable occupations. At the business leadership level, selling is creating the maximum opportunities for your sales force and training them on how to properly represent your product or service this aspect of selling is a science.

I am not that good of a sales person. But I have always been in the top 10% of whatever I chose to represent in a sales capacity I've trained trained hundreds, one at a time, who are better sales people than I am. But 90% of those I ended up outperforming - because I out worked them, put myself in front of more qualified opportunities day in and day out, and matched my charisma with my scientific approach.

Sales Training and Dis-Qualifying a Prospect

I had to release a sales rep (Bob) from our company. He just wasn't hitting his numbers, despite plenty of coaching, sale training and warnings. Bob's accounts were transitioned to another sales rep (Ted). Bob had one of his accounts fore casted to close for several months at 75% probability or higher, for at least three months.

One day after transitioning the account to Ted, the CEO of this prospective company, who Bob was not dealing with, called and asked if he could have an extension of the evaluation period for our software. This was the third time the prospect wanted an evaluation extension. I told Ted that I wanted to speak with the CEO before we gave any more extensions. After speaking with the CEO it turned out that:

1. He wasn't going to buy our software until one of his customers bought from him.
2. The deal size was a quarter of what Bob had fore casted.
3. He thought he could just keep evaluating our software until his sales came through.
What happened? A few things:
1. Bob never spoke to the CEO to get the real scoop. He let his lower-level contact (Carol) dictate terms to him.
2. Bob probably never asked the "tough" sales questions. He wanted to be more "consultative.". Being his sales manager, I trusted Bob was telling me the truth. My mistake. I should have dug deeper.

We talk a lot about what it takes for a prospect to be qualified. But we rarely talk about dis-qualifying a prospect. Bob thought his prospect had all the things he needed for Carol to become a customer:

- The right platform for our software.
- A need for our software.
- Lots of customers.


And to a point, he did. What Bob did not have was:

- A prospect in Carol who had the authority to say, "Yes."
- The willingness, or maybe the courage, in Carol to let Bob speak with the CEO who was the decision maker and the person who could sign Bob's order form.

At that point Bob should have disqualified his prospect Carol. He should have told Carol he could not provide any additional time for evaluations until he spoke with the CEO and had his qualifying questions answered.

Bullet Proof Vests Why Is Important

What is Bullet Proof :

Bullet proof vests contain layers of material that "catch" and deform a bullet, spreading out the force of the impact into a greater and greater portion of the fiber. Some of the layers may be penetrated as the bullet enters, but it is usually stopped before it enters the person wearing the vest.

Why they are important:

The importance of a vest like this is contained in the fact that they are an additional layer of defense for soldiers and bodyguards, as well as important political figures. In 1901, a bullet resistant vest saved Alfonso XIII of Spain when he was shot at by an assassin. Vests have been modified and improved over the centuries. Now they are issued out to large numbers of the United States military, and in this way help to protect those who are protecting our country.


Weaknesses:

As mentioned earlier, most vests are not actually always bullet proof, but are rather bullet resistant. Also, though the bullet is usually stopped from actually entering the subject, he still takes the brunt of the force from the bullet, though some is absorbed by the vest. Blunt force trauma is often taken under the point of impact, especially when fired at with modern pistol bullets. Vests designed to stop bullets usually carry little protection from sharp object such as knives and bullets that are reinforced by a steel core. This is because the impact force of those objects is concentrated in a very small area, and is not easily spread out.


History:

Bullet proof vests first started being developed in the 1530's. During the English Civil War Oliver Cromwell's army wore a type of bullet proof vests. One of the first recorded incidents of soft armor being used was in Japan, where they created them from silk. Another soft ballistic vest was invented in Korea during the 1860's. Throughout the 1900's, these vests were manufactured and altered to become lighter and stronger. One of the problems of previous vests were their inflexibility and their weight, which made it hard for the person wearing them to maneuver quickly in combat.


The layers of a bullet proof vest are made to slow and spread out a bullet as it impacts with the wearer. These vests are not impenetrable, but greatly increase the protection of the person wearing them. They are important because they help protect the vital organs on a person. They are issued out to much of the U.S. military, as well as numerous police officers and security guards, coast guards.

5 Steps And Wedding Harpist

In this article, let us discuss five steps a new harp player may use to become successful as a wedding musician.

Proper Training

In today's world, people are becoming really good with music. This means that musicians with mediocre skills and talent may find it really hard to keep up with both the expectations of their audience and the fierce competition. Just like other types of musicians, wedding harpists should possess the technical knowledge and countless hours of training to stand a chance.



There are no shortcuts for this. If you want to be among the best, train and learn from the best. Train and master your craft just like how the best musicians do it.

Invest on a Great Harp

Everyone knows that a great harp adds some form of mystical charm to its player. It is therefore very logical that a wedding harp player invest on a high quality harp. You may check my previous article that provides some helpful tips in buying a harp.

Multiple Marketing Channels

While some wedding harpists find potential clients through referrals, you cannot rely on this alone. A wedding harp player who has a network of contacts and agents certainly does have the advantage of being booked more often.

It has now very common that musicians maintain their own blogs to keep their audience updated, and most importantly, to reach out to potential clients through the Internet.


Build a Niche

It is certainly very hard to be really good with everything, but if you focus your strengths on a single niche you should have a greater chance of becoming really great at it. Choosing a niche to focus could depend on a few factors such as your faith, your instrument, your ethical background, your inclinations, etc.

Focusing on a single niche is a great way in building your own brand as well. If you think you would fare well as a Greek wedding harpist, and you focus your energy to it, people may soon start to associate you as the top choice for Greek weddings.

Expand Your Horizon

It is an age-old dogma that those who give, receives more. So instead of confining yourself practicing over and over in a secluded room, why not provide free sessions to charity events or even play for free among those who would benefit from your music? There is this harpist who plays for free to cancer patients in a local hospital with genuine selfless intention of providing some relief to the sick. One day a national television program featured her story reaching millions of viewers. You could only imagine how much the increase in her bookings.

Skilled Freelancers Projects, High worth in today's

Every employer around this world needs temporary or
ongoing job help for their projects that is quick and easy. However finding and hiring the right set of people for outsourcing projects is not easy. There can be issues with selection process, rating system, project monitoring, payment scheduling as well as dispute resolutions.

On the whole, finding a good service provider for freelance projects and then managing him or her throughout the project
tenure is an intimidating task. New employers would find it more difficult to draw the attention of right bidders and make the whole process a pleasant and rewarding experience. Project outsourcing process that is simple, flexible, trustworthy and hassle-free can make a huge profit. Else it could be a big disaster.

1. Understand project need

This is the key success factor to begin with. A good employer knows what exactly he or she is looking for out of a project and how to approach service providers to ensure the best quality bids. Available budget, project deadline, bidding time, ROI, service quality, payment terms and methods, feedback system, future relationships - there are more factors to consider. A little research on project posting basics and bidding trends would help you take better decisions.

2. Specify project name:

Project name should be descriptive so that a freelancer can easily relate it at a glance. For example, you need a good developer for building an e-commerce site. Now if a project is named "e-commerce site", it may draw attention of web designers, developers, programmers, copywriters, graphic artists, SEO and link builders. This may create confusion as freelancers from all walks of life will bid on it. However, if you specify "e-commerce site builder in PHP" in the project name you can expect bid request from developers and programmers only that you actually need.

 3. Describe project in detail:

A detailed description is necessary. Your explanation should answer almost all possible questions of freelancers. Be clear to
what you expect from a freelancer and how much you can pay for that, given other basic terms and conditions are kept intact. Here are a few details one must not miss while drafting project descriptions -



Required software skills, language efficiency, programming language, purchased copyrights, length or scope of job (word count for writing project, work hours for design jobs), payment terms and methods and most importantly job type.

 4. Select budget with due care:

Budget selection is the most crucial part in job outsourcing. A budget that is fixed too high may create some price gouging. On the other hand sticking to a low budget may eliminate better talents for your project. Set a price that you are willing to pay. Don't quote high just to attract more bidders. Experienced freelancers know the tricks well and may not waste time in price game. Bring transparency in payouts and expect the same from your service provider.

 5. Show some reference work:

If you can upload some sample work done earlier, this will be of great use to freelancers and in turn to you.

 6. Take time for bidding:

If a project is not so urgent, there is no point asking service providers to bid in rush. By choosing bidding time too short you may end up missing out top professionals for your project.

 7. Questions to ask yourself:

Filtering out the right freelancer based on a number of bidding requests is bit overwhelming. Many often employers get confused where to start with. Here are a few questions you may ask yourself to avoid risks and uncertainties. This will not narrow down your search for the ideal candidate but also get you a profitable deal.

 The questions are as follows:

Is cost the major concern for your project?

Keeping budget a bit flexible you may ensure better service. Some freelancers are worth paying more, because the output you will get may surpass your expectations.

Can you accept new service providers having no feedback?

This is again a critical decision to take. New freelancers often bid lower than the average to prove themselves in the job market. By taking a little risk of hiring them you can win good deal in the end. Moreover promising talents and new resources are always welcome for future assignments.

Is bidder's full information is available online?

By asking this one question you may get rid of a surprising number of bids. You can ask for specific information about the bidder in your project description. This sure will save your time and effort to sort out the final ones.

Is time a killing factor?

If your project is time-sensitive, state it clearly in the project description right in the beginning. Top freelancers are particular about deadlines whereas newbie are not so. Therefore, you can often expect a mismatch between the deadline given and the deadline required. Experienced freelancers may ask more time than you mentioned in the project. In that case you may need to reconsider the time frame. Setting up a realistic time-line is good for both employer and freelancer.

These are the important checklists which you can use to avoid any further confusion or financial losses. It is better to be aware of facts sooner than later.

8. Focus on feedback and rating:

This is important for both service providers as well as service buyers. Cumulative rating, comments on previous projects and feedback scoring bring fairness in the process. Since these reviews are publicly posted, each party can understand each other and avoid future issues. For service buyers, feedback on payment records could a decisive factor.

9. Engage service provider more into regular communication:

This is vital as long as the project continues. Sometimes it is required even after completion of the project. Interactions could happen through any system -private message boards, email, phone anything. There is a common say - Out of sight means out of mind. Make sure you take updates from your freelancers periodically.

10. Select payment methods:

Finalize payment procedures before posting a project. Mention if you are interested in direct transfer of funds, milestone payment or advance payment. A successful project should not end up at a bad relationship. It affects the outcome of next projects in coming days.

Level Of Inventory

All too often inventory is treated by 'rules of thumb' that do not provide sufficient justification for inventory levels, do not ensure working capital is minimized, and don't have a clear correlation between inventory level and customer service. Many businesses talk of 'days' or 'weeks' supply - but what does that really mean in a supply chain where demand quantities, supply quantities and supply lead times all vary day to day or week to week?

Do we really need inventory?

Inventory ties up working capital, costs money to store, costs money to handle, and can become damaged or obsolete. With the exception of work in progress, in an ideal world there would be no inventory in a business. Material would flow through the supply chain with no stops or bottlenecks, and the inbound supply rates would be synchronous with the outbound supply rates. A perfect world, but not the one many businesses operate within.

The reality is that for most businesses to remain in business, they need to protect their supply. If they can't supply when the customer wants, in the quantity they require, then the customer will go elsewhere. So, how do you protect your supply? You could follow the Japanese and adopt the Kaizen approach - simplifying and synchronising each step in your supply chain. That's great for an internal production process, but in a real world supply chain it is unlikely your suppliers and customers will be inclined to synchronize their processes to fit with yours. Consequently the answer is that to protect supply, you need to hold inventory.

Where should inventory be held?

Now we've established that inventory is a necessary, and indeed a critical element in many supply chains, the question becomes where should inventory be held? To determine the location of inventory in a business, you firstly need to establish the points in your supply chain where continuity of supply needs to be protected. There are various events in a supply chain that require inventory in order to protect supply - often referred to as 'decoupling points'. A decoupling point is where the inbound and outbound rates do not match. These are most likely to occur between raw material supply and manufacturing process, and between manufacturing process and finished goods supply. There are increasingly few businesses that have the luxury of customers requesting finished goods at exactly the same rate as the raw materials are supplied and processed.

How much inventory should be held?

Once you understand where inventory is required to protect supply, the next step is to understand how much inventory is required. This is where many companies fall down. Inventory levels are often driven through the sub-optimization of other processes (i.e. optimal production batch quantities) or driven by rules of thumb (i.e. '4 weeks supply'). The consequence of this is often lots of stock, but it's just the wrong type and in the wrong quantity. Consequently you continue to get customer service failures, the stock you do have doesn't get used, and can ultimately become obsolete.

There are two types of inventory that protect supply - cycle stock and safety stock. Of course, there are other types of inventory like goods in transit, work in progress, obsolete etc, but these are all a consequence of an activity and not specifically held to protect supply.

Cycle stock is the level of inventory held to ensure that the mean average customer demand can be met during the replenishment lead time. So, if it takes 5 days to receive a replenishment, then you must ensure there is sufficient inventory to cover 5 days of average customer demand. Providing a business has accurate historical or forecast data for each product, then this element of inventory is relatively easy to calculate.

Safety stock is conceptually more difficult. Safety stock is in addition to the cycle stock, but the safety stock level is designed to cover the potential for customer demand peaking above average. For example, if it took 5 days to replenish your inventory, and your expected customer demand in units over that 5 days was as follows: (Day 1) = 5, (Day 2) = 3, (Day 3) = 5, (Day 4) = 4, (Day 5) = 6. The average demand in those 5 days would be 5 items. Multiplying those 5 items by 5 days will give you a cycle stock of 25 items. However, what happens if on day 6 the customer orders 7 items? The answer is that you will incur a stock-out, and fail to supply the customer. This is what safety stock protects against.

Balancing inventory levels with customer service targets

Safety stock is based on a calculation that assesses the probability of the customer ordering more than the average. Using normal, or Gaussian distribution, the inventory manager can assess the safety stock requirement based on the service level a business wants to achieve. So, if the business wants to achieve a 99% service level, then the inventory manager builds a calculation that captures 99% of eventualities outside of the mean average demand. If the business targets a 95% service level, then the inventory manager can build 95% into the calculation and consequently the safety stock will be lower. Of course, this now provides the total inventory level (cycle stock + safety stock) that is required to meet the customer service requirements.

Balancing inventory levels with working capital targets

By making these calculations, the inventory manager will have successfully bridged the inventory level with the customer service requirements. However, it is not just the supply that has to be protected, but also the cash constraints of the business. It is of no value to calculate inventory levels that perfectly meet the demands of the customer, if the business does not have the working capital available to invest in that inventory. This is where the inventory manager needs to bridge the best possible service with the constraints of working capital availability.

To give an example of the relationship between working capital and inventory, consider a business that sells EUR 10m worth of a product (at cost) each year. The total revenue received from sales of that product is EUR 15m. If the business buys all EUR 10m worth of the product at the start of the year, by the end of the year it would have made a EUR 5m gross profit on an investment of EUR 10m. However, if the business buys 50% (EUR 5m) of the product at the start of the year, sells it and then buys the next 50% (EUR 5m) with the sales revenue, then the profit will remain the same, but only EUR 5m is required as a total investment.

This is what the inventory manager has to consider - how to meet customer requirements, but minimize the amount of investment required in inventory. This can be a difficult task which is often further complicated by standard measurements that businesses use. Accountants often dictate the maximum levels of inventory that can be held in 'stock-turns'; this is an accounting term that provides no indication to the type and location of physical inventory required. It is the task of the inventory manager to bridge the calculated inventory requirements with working capital constraints, as well as the customer service targets.

Balancing inventory levels with working capital constraints and customer service targets is a science, not an art. The inventory manager needs to deal with hard facts and hard data. There are no magic methods of protecting supply - if you have decoupling points in your supply chain, but insufficient capital to invest in inventory then you will fail to service your customer. The business needs to calculate accurately what service it can afford.

To do this the inventory manager needs to ascertain the cost of the inventory calculated. This will include the purchase price of the inventory (or manufacturing cost), plus the inventory holding costs i.e. warehousing, equipment, IT, staff, deterioration, insurance etc. With this complete, the inventory manager now has the tools to clearly present to the business the balance between inventory levels, customer service and costs. With simple sensitivity analysis all stake-holders can be shown how, if customer service want x% service, then it will cost EUR y in working capital. Or conversely, if finance want EUR y working capital, then customer service will have to be x%.

By undertaking this approach the inventory manager will be presenting the business with facts on which to make decisions, not 'rules of thumb'. They will have successfully balanced inventory levels with working capital constraints, and customer service targets. They will have achieved the inventory balancing act.

Gideon Hillman FCILT FCMI has over 20 years European Supply Chain, Logistics and Materials Handling industry experience, having been employed at a Senior Management Level throughout Europe with both manufacturers and Global 3rd Party Logistics Providers for over 12 years, prior to establishing Gideon Hillman Consulting in 2004.

His areas of expertise and experience are in Logistics Outsourcing and Tender Management, Logistics Network Development, Commercial and Business Development, Operational and Commercial due diligence, Supply Chain Solution Design, Improvement and Implementation throughout Europe for major manufacturers and household brand names in the Automotive, Aerospace, Food Production and Processing, Grocery and Non-Grocery Retail, Home Delivery Networks, Utilities and General Industrial and Manufacturing sectors.

Dynamic Teamwork Groups Success

Team combination is key of success in the challenges. Teammates must work on team dynamics to elevate a group of co-workers into a highly functioning team. Each member must have a place and function on the team and realize he/she has an important role in the success of the team.

This situation may be analogous to a mufti-wheeled  vehicle. For the vehicle to move in the correct direction all tries must have good tread, be properly filled with are, aligned in to the right direction and be the correct type of tire. If even one tire is malfunctioning the vehicle will struggle to maintain direction and risks not arriving at the desired destination.

What can you co to ensure your team functions smoothly especially when you realize one teammate is off track? Whether you are the team leader or one of the group you can contribute to the solution. First you must determine what is wrong. This means asking questions and rally listening to the answers. The best way to do this is to ask open-questions that require more than a "yes" or "no" response. Instead of asking, "Are you happy working here?" you might ask, " what do you like and dislike about the team?" in the proper setting this allows for more thoughtful answers which typically supply more information. It is important to remain non-judgmental. When a complete answer is given, summarize the information and ask an open-ended follow up question.

The tire analogy suggests four types of problems. Let's each one and a potential solution.

Lack of tread - Over time most everyone can become worn down on the job. This happens more frequently when a teammate's assignment is repetitive and no longer challenges the individual. Time off and/pr a change in assignment may help replace the tread and give the sagging teammate more traction.

Low on air - No matter how autonomous individuals may be they need positive feedback on their performance. When teammates don't get their fill of affirmations and recognition, they will begin to feel unappreciated and deflated. Recognize their contribution. Call attention to their work efforts and the role they play in the team's success.

Pointed in the wrong direction - When clear goals are not established teammates may move down different paths. The team leader must clearly define the tasks facing the team. When a goal or task is not defined concisely, seek clarification for yourself and your teammates.

Wrong type - Some jobs and positions turn out to be different than first perceived. A worker may join the team with inaccurate expectations and/or career goals. If this is the cause of poor performance and the teammate clearly understands things will not change, the most appropriate action is rotation off the team. No one likes to be fired and seeking new employment in this economy can be difficult. However, staying in a position or with a company when one's heart is not connected to the job does a disservice to both the team and the unhappy teammate.

Human dynamics are complex and not easily untangled. Team work requires all teammates be energetic, recognized for their efforts, understand their goals and vocationally fulfilled. Each teammate and the team leader can optimize tam functionality by watching now the rubber meets the road. "Wishing" may not make it happen but a concerted effort by all involved to achieve the group goals can make the team a success.

Manufacturing a Garment Pieces and Woven Fabric

Purchasing the right fabric can be sometimes a tough challenge faced by apparel manufacturers. Out of the total cost of manufacturing a garment piece, the cost of fabric can contribute between 50 and 65 per cent. Furthermore, even a minor oversight in selecting the right fabric and right manufacturing may spoil the entire apparel program. Interestingly, though the fabric constitutes the main part of a garment, many of the apparel merchandisers have very limited knowledge about fabric.They consider fabric as another component of raw material like buttons, care labels, hang tags or packing materials, unfortunately, describing a fabric in terms of specification to fulfill its end use is much more complicated than communicating the requirement of any other component of a garment and many apparel merchandisers do not have the necessary knowledge or training to order the right fabric from the right manufacturer at the right price. To be on the safer side, they simply ask various suppliers to bid for their lowest price and finally select the one who offers the lowest price or the most favorable term.

Consequently we often see the adverse effects of poor fabric sourcing strategy every day in the apparel industry. Garment air shipment cost is prohibitive and applied as penalty only when the apparel manufacturer fails to deliver the consignments beyond acceptable delays. The cost of air-freight is so high that air shipment of a single consignment of garments may wipe off the profit of a few months for the garment manufacturer. A study revealed that more than 80% of all garment air shipment is caused due to poor fabric sourcing management.

Fortunately, such critical errors can be avoided when sourcing woven fabric for manufacturing garment and the procedure is easier than we think about it. When discussing with the garment buyer, do not just talk about the target price he or she is giving you. Ask about the fabric in more detail. This is not only about the counts, construction and weight of the fabric but about some important and critical points. Here are may 7 tips to ensure a trouble free fabric sourcing.

1)  Know the end use - that clarifies the required quality standards like colour fastness, piling / abrasion resistance, tear and tensile strength, stability towards special types of garment wash if any etc. Do not feel hesitant to ask those questions because at the end of the day if something does not match the buyer's requirement everyone will suffer losses.

2)  Special requirements like shade / strike off approval conditions, finishing standard, feel of the fabric, etc. , to be discussed, noted and shared with the buyer and the fabric manufacturer.

3)  The garment delivery lead time should be calculated after taking the fabric delivery lead time into consideration. Many garment buyers demand very short, sometimes unrealistic delivery lead time. You should consideration the lead time required for each necessary activities like LC opening, sample approval, lab dip approval, one or two re-submits that may be required, inspection and shipment time for the fabric, clearance and transportation to the warehouse and all related activities.

4)  Inspection of the fabric and grouping those according to shades are to be done with extra care. For example, if one particular colour is having a large quantity, it is natural to have 2-3 batch wise variation. Mixing shade batches on the cutting table can result in disaster. To make the process easier, the fabric supplier should be instructed to supply the shade grouping charts with roll number mentioned against each shade swatch. The garment buyers also should be informed clearly that for large volume orders that require fabric processing in more than one batch, there would be small batch to batch variation in properties.

5)  Fabric with a special surface finish like peach finish, micro-sanding, etc. needs special care. Firstly, the supplier must be instructed to roll such fabric with face inside and put arrow marks on each piece showing the direction of such finish with clear arrow marks at both ends. This is to avoid massive shade variation due to stitching pieces finished in different directions, together.

6)  Transportation and storage - Avoid buying fabric that may change properties during the reasonable time required for transportation storage. For example, do not buy a post -cure resin finished fabric from a faraway place because during transport and storage, the  resin may start cross-linking in the fabric, thus spoiling the required DP rating after garment finishing process.

7)  Last but not the least, place orders with fabric manufacturers of reputation. Giving 10 cents more to a responsible and reputed manufacturer may prove to save lot of costs and penalties going forward. Failing to supply garments on time also badly affects the reputation which is priceless. The products of reputed companies also give better realization, lesser wastage and higher efficiency at garment making process.

At the end of the day, we should keep in mind that real prosperity does not mean only buying cheap and selling high to earn short term profit. The apparel manufacturing company that focuses on delivering quality, punctuality, communication and value to each customer will never have any shortage of business and riches in the long run.

Strong Five Reasons a Start New Business and Funding Is Essential

Start up a new business, you must have the correct methodology to build your start up funding. Most of the entrepreneurs tend to have amazing ideas and motivation but they are unable to start their business due to the unavailability of cash. Below are the five reasons that will convince you why it is necessary to go in for start up funding just before you start your business plans.

1)  For preserving your capital : Before starting your business, you must have save sufficient amount of money for your business but over the period of time, you might run into unexpected obstacles. This is reason why you must secure business start up funding so that you can comfortably over the initial cost of your business and you can also  save enough money which can cover the unexpected expenses.

2)  For building a strong foundation : Every business is like a building and requires a strong foundation so that it can be successful in its venture and lying the strong foundation is necessary to have adequate funding. You should avoid taking the generating income from shaky groundwork and your start up funding will help you in this by helping you to pay the gills until the first checks start pouring in.

3)  Helping you to beat the odds : You will be surprised to learn that more than 255 of the American businesses fail in their first year itself which is mainly because of  the lack of funds. Adequate funding is a must to ensure that your business continues without any obstacles. Searching the right start up funding becomes mandatory in this case as this will help you to prevent your business boat from rocky surfaces.

4)  Supporting faster expansion : A consistent flow of cash  is must in order to meet the needs and demands of the customers.If you have a solid base of business, then it will definitely help you in building your reserves.

5)  For enhancing your reputation : No one wants to do business with a company that is straggling to keep their stance in the market. If you want to crate a good business reputation for yourself, then the start up funds is the right answer to this situation.

The right way to get start up funds is to identify means through which you can get these funds so that you can meet business costs without being overwhelmed by it.