Why Every Business Should Contemplate a Comprehensive Risk Assessment

When it comes to running a successful business, there are often risks that a business owner will have to contend with on a regular basis. This can be a maddening and challenging aspect of running a business, but it is the reality of owning or operating one. Fortunately, there are ways that a business can identify those risks and put plans in place to deal with these risks when they come up. It’s really not a matter of if but when these risks will impact a business and being prepared is vital.

Detecting the Risks

The first thing that needs to be done is a comprehensive risk assessment. This may seem like this sort of action can be quite complicated, and sometime it can be, but it isn’t always that way. There are times where a risk assessment is quite simple. However, it is important to understand the inherent risks of a business. Without knowing the risks, it will be impossible to prepare for them adequately.

Planning

The next step is to move to minimize these risks. For example, if a business gets its main source of revenue from paid invoices, it will be important to look for underwriting to cover the cost of unpaid invoices. There are many reasons an invoice will go unpaid and making sure the business is compensated, even if the invoice isn’t collected upon is important. Also, factoring may be a way for a business to get partial payment of an overdue invoice. That way the business won’t have to worry about being cash poor.

Help with Lending

A business may need outsourced financing from time to time and having a risk assessment done can determine a businesses ability to borrow if the need arises. This way, a business can look for lenders that offer loans for the exact needs the business has and at acceptable terms so as to not make repaying the financing financial disastrous.

These are but a few of the many things that can be exposed during a risk assessment and these examples only serve to underscore the need for such an assessment. That’s why, if you want your business to be adequately prepared for the risks it may face, you may want to contact someone like Kirk Chewning to see how beneficial a risk assessment can be for your business.

How Much Does an Amber Cost?

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The price of amber is determined by the different life forms which are found in the stone. Intact insects, plants, flowers etc will increase the value of amber and these stones will be highly priced. Typically, an amber necklace with say, a trapped dragonfly, will have a high price and will enjoy a heavy demand in the market.

The prices of these gems can vary depending upon the clarity, color, polish and size of the piece. The prices mentioned in this article are in general for gems of fairly good color and good clarity. Opaque pieces of amber can usually be bought quite cheap – for as much as $0.10 to $1 for a carat or less. For pieces around an inch in size and with insect inclusions, the prices can range from $50 to $60. An average stone of a good size and with inclusions would cost around $195.

Good wholesale quality beads can also be purchased for as low as $15. Shapeless and uneven pieces without any fossil inclusions ranging from 1 to 1.5 inches in size and weighing around 10 to 12 carats would cost anywhere between $30 to $40. Polished beads without any inclusions of about 1 centimeter usually cost from $1 to $2 per carat.

Many a times, this gem is heated to give it an old or aged look. These pieces usually cost less compared to a similar piece having the original color.

Amber pieces with unusual flora and fauna are a collector’s item. Fossils in this gem always increase its value and beauty. A pendant with inclusions is guaranteed to get a good price in the market. A carved ring is also very highly priced in the market.

A significant difference in the price of the amber is made depending on the period from which the amber originates from. The older the gemstone, the higher is its price. However, it is not easy to identify the age of the stone. Most gemological laboratories also do not often certify amber gemstones. The process of finding out the age of the amber stone involves identifying the inclusions present in the stone and estimating the period in which it existed.

There is an interesting piece of news about a piece of Dominican amber with inclusions. Recently, such a piece with a large lizard trapped inside it was sold for $ 75000. This figure cannot really give us a hint of how high a price this gemstone can fetch.

In fact, the amount of history associated with amber jewelry would only serve to increase its market value. Similarly, antique jewelry or a pendant with insect is very highly valued in the market.

There are frequent attempts made in the market to sell amber ‘simulants’ as genuine amber. Simulants of this gem include ambroid, copal resin, kauri gum, dammar, celluloid and plastic. These simulants would normally cost a fraction of what a real stone costs.

Thus, we can see that the price of this gemstone mostly depends upon factors such as age, inclusions, quality and size.

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Memories Before and After the Sound of Music – Book Review

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Agathe von Trapp, born in 1913, is the eldest daughter of Baron Georg von Trapp. Agathe, her siblings and parents formed the famous Trapp Family Singers, which inspired the popular film, The Sound Of Music.This famous movie was based on books written by Maria about their lives and experiences from her perspective, which – of course – the movie producers had creative license with. After reading Agathe’s memoir, Memories Before And After The Sound Of Music, interest for Maria’s books will likely increase once again.

When I took on this project I reminisced to my husband about the bonding moments I had with my mother because of the movie; he went out and promptly rented the DVD from our local store. I think it is wonderful that the movie has survived all these years and can still be found on movie rental shelves. Memories Before And After The Sound Of Music is likely to experience similar success, simply due to how dear the family’s story has been to the masses.

The book is written as a non-fiction account from Agathe’s memory – as such, readers will see the changing times through the eyes of the eldest daughter of the family. Perhaps due to the fact that Agathe was a young adult at the time, the story does not include the causes of the turmoil. Her bitterness seeps through here and there – and at times, I got the impression that she had once harbored unpleasant feelings towards Maria and the movie producers, which seem to have healed. Agathe’s child-like adoration of her biological parents is apparent in their heroic and greater-than-life portrayal – but then, perhaps they really were like that.

Readers will find that Agathe’s book will travel farther back in time, before Maria entered their lives. The biography follows through to what happened after their escape and clarifies common misconceptions. I found it surprising that Agathe was 25 when the family left for America – the only “children” during the escape were those recently born from Maria.

Though this family’s story is definitely and inspiring riches-to-rags story, one cannot deny that this well-connected family certainly did not suffer like their countrymen. Isolated castles and mansions, pristine lakes and mountains, private farms, fully staffed estates… no, this was certainly not suffering, by any account. However, the war left the family with nothing but the loyalty and love of their fans and friends. This was enough for them to survive Ellis Island, find a home in America, record albums, go on tours and establish a successful music camp – which is operating today in Vermont.

As a fantastic bonus, the center of the book contains over 30 pages of photos of the family starting in 1875 through to images of the family today, including one shot of the next Trapp family singing group.

Author: Agathe von Trapp

Publisher: Publish America

ISBN 10: 1-4137-6026-0

ISBN 13: 978-1-4137-6026-2

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Overwhelmed by the Complexity of Experts? This May Help

Why Should You Get An Air Conditioning Unit In Dubai

Known to be an extension of deserts, Dubai is one of the hottest cities in the United Arab Emirates (UAE). Needless to say, as temperatures can get so high, air conditioning units are essential in every room be it in your home, office or other establishments. There are many brands of air conditioning units today distributed by different companies but they may all differ in terms of quality and durability.

If you are looking for high quality air conditioners from trustworthy ditributors, try O General Air Conditioners now! You can guarantee O General Air Conditioners give you high class air conditioning units of different split systems from cassette, ceiling, general and even ducted ones! You can also make sure that the products they sell are high quality because they have carefully selected them from the leading suppliers from around the world.

But O General not only sells new air conditioners because they also offer ac repair, ac installation, ac maintenance, ac duct and all other ac services that you may need to avail. Surprisingly, O General air conditioners are also very affordable for its quality and you can really ensure that when purchasing one, you get the best air conditioner in UAE. For added bonus, they also let their staff do the installation of the units so that you will not have a hard time looking for someone to do so and it can also save you a lot of money.

You can also guarantee satisfaction from this distributor because they also have highly skilled mechanics that will assist you whenever you have problems with your air conditioning units. This is actually a good thing because if you hire someone else to do the repairs and they are not very familiar with the air conditioning unit, they may have a hard time fixing it so it is always best to get the technician that knows a lot about the product.

We all can’t deny it that when it comes to air conditioning units, we may sometime need assistance beyond the office hours and that is nothing to worry about in O General because they have customer service representatives that provide assistance any time and all you have to do is just give them a call.

Are you ready to get all these benefits? Stop asking yourself how to buy the right ac unit in Dubai because you already have the answer and that is through O General Air Conditioners! Purchase one of their high quality products now and get the best ac services you could ever think of. You just don’t know O General might be the perfect one for you so call the hotline now or visit any branch distributor near you to know more about their products and other services.

More ideas: important site

A Brief History of Options

Taking Online Insurance Courses to be More Competitive

About the industry such as the insurance, there is definitely a big competition and one should go through various studies and trainings as well for one to be really competitive and for one to also stay updated regarding the new regulations. Well, it doesn’t matter if you are one independent agent or a captive agent since both types require licensing and also continuing education in order to sell those insurance policies. Due to the reason that there is separate licensing for the different types of insurances, you must be aware of the kinds of insurance policies that you would be interested to sell prior to starting such training.

You don’t have to be anxious about anything now since there is the Insurance Schools Inc. that offers online insurance courses. Through this, then you can obtain more knowledge and be trained through the internet which is definitely one convenient way to learn and continue with your education about the insurances. Also, you can check out the Insurance Schools Inc. reviews for you to be aware of the different advantages.

When you would like to get such insurance training in the casualty and property insurance, then this will permit you to write home as well as car policies along with other same insurance policies. You would be able to write the life and health insurance policies if you choose to be trained in life and health. These two groups of insurance are a lot more different an this is why you must also have a different licensing. Being an insurance agent, it is really a lucrative career. You will have to be sure that you are able to get the right training which goes with that particular field of work you are going for.

Make sure that you keep in mind that continuing education is also important in this career. That ongoing professional insurance training can help you learn regarding the new regulations and methods of doing things so that you may stay on top of the game all the time. You must make sure that you would do whatever it takes in order to keep the career going strong since you are the only one that separates yourself from success. Through the right training, then you can surely keep that insurance career of your going strong.

You can now earn that insurance continuing education credits by simply taking the online insurance CE courses from your own home. You may now complete that chosen online insurance course which are needed for certification from the list of courses online which are all approved by the department of state insurance which you work in. Those online insurance courses could also assist you to get such competitive advantage n that insurance market where you should prove the skill you have so that you can get more sales from those insurance policies.

Top Five Supplements for Bodybuilding

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When it comes to bodybuilding or building muscles in general, our body is often limited by our nutrition. And regardless of how hard we train, sometimes we just can’t make any progress as we are lacking important nutrients that help us achieve better results. Therefore, people turn to supplements.

Supplements are an amazing way to add valuable nutrients that help us build muscle, recover faster or train harder. They boost the results and push our limits, allowing us to make a significant progress with each training.

And despite the fact that we all have unique bodies and react differently to some supplements, there are 5 essential supplements that every bodybuilder needs.

Whey Protein

Whey protein is a fast-digesting milk protein that helps deliver essential amino acids to the skeletal muscle. It is a foundation for muscle gains and the most frequently used supplement.

Whey is quickly shuttled into the muscles where it exerts its strong anabolic effects. Therefore, it is often used as a pre-workout and post-workout meal to increase protein synthesis and improve muscle restoration and recovery. Whether your goal is to drop body fat or build lean mass, adding a whey protein can speed both the loss and the gain process.

It can help with:

Recovery – After the intense workout your body desperately looks for protein to repair itself. If taken immediately after the workout, whey helps trigger rapid muscle recovery and builds strong and lean muscles.

Appetite Suppressant – Whey protein shake can be even used as a meal replacement or a healthy snack that will increase body’s protein levels and reduce daily calorie intake.

Amino Acids – Whey protein contains essential amino acids needed for protein synthesis.

Recommended daily dosage: 20-30g

Creatine

Creatine is the second most used supplement and for a good reason – it is a naturally occurring substance that promotes increased muscle cell volume, lean body mass, post-workout recovery and increased muscle performance.

Naturally produces in liver, pancreas and kidneys, creatine is primarily found around skeletal muscle tissue (95%), where it is transformed into creatine phosphate from which the energy molecule ATP is produced.

Creatine increases energy and strength, allowing harder workouts and better performance, which cause muscles to become bigger and stronger.

The creatine level naturally found in our body is sufficient for ongoing cellular function and is definitely not enough to cause massive muscle growth. Therefore, people opt for creatine supplementation to reap its full benefits.

Recommended daily dosage: 5-10g

Branched Amino Acid (BCAA)

Branched-Chain Amino Acid, also known as BCAA, is another amazing supplement that bodybuilders use to improve their workout results. Protein consists of 20 amino acids, and only 3 of them are referred to as BCAAs: valine, isoleucine and leucine. They help regulate protein metabolism and stimulate protein synthesis.

BCAAs have a similar function as protein – they drive nutrients into the muscle tissue and help muscles recover faster. They also serve as an energy source during workouts, so taking BCAAs as a supplement can replace the nutrients lost during intense exercises. They also improve metabolic recovery and reduce pain caused by muscle fatigue.

Recommended daily dosage: 3-5 grams upon waking and 3-5 grams before and after the workout

Glutamine

Glutamine is the number one supplement for a speedy recovery and therefore essential for every serious bodybuilder. It slows down muscle-tissue breakdown during intensive workout which elevate endurance and improves strength. It allows bodybuilders to lift heavier weights for a longer period of time and train harder, which cause the production of greater lean muscles.

Glutamine also helps preserve the muscle tissue, which helps burn additional fat, while slowing down the muscle loss. It also improves the immune system by placing stress on the entire body instead of just the muscle and quickly restores the health of the muscle tissue, which ensures rapid recovery of the whole body.

Recommended daily dosage: 5 grams upon waking, 5 grams after the workout and 5 grams before bed

Beta-Alanine

Beta-Alanine (BA) is a naturally occurring amino acid that increase intramuscular levels of Carnosine by 60% in less than a month. During high-intensity workout the body accumulates large amounts of hydrogen, which cause our pH to drop and we become more acidic. This lactic acid can decrease muscle performance, cause severe fatigue and shut down the nerve drive (causing muscle failure).

By taking Beta-Alanine supplements, bodybuilders maintain an increased level of Carnosine and delay the accumulation of hydrogen and all its side effects. BA also elevates endurance, delays fatigue, improves force output and repeated sprint ability and works great with creatine.

Recommended daily dosage: 2-6 grams per day, taken in smaller doses throughout the day

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5 Local SEO Strategies You Can Do Today!

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Local businesses are looking to capitalise on using search engines such as Google to drive traffic to their website and through their front door. Research has indicated that 60 to 70 percent of in store purchases start with research online.

For a small business this is a massive opportunity to help grow your business with an effective local SEO campaign. Below are 5 strategies you can do today to start your local SEO campaign started and dominating your competition

1 – List your business in Google Places

List and verify your local business listing in Google Places is a fantastic place to start your local SEO campaign, without a listing you will find it difficult to place your business in the top positions on page 1.

2 – Complete your Google Place page listing

When filling in your listing, ensure you fill out your listing to Google guidelines and so that it is 100% complete. Here are some handy tips to help get the most out of your listing:

Address: This gives Google an indication of your geographical location so they can relate your listing to searches. When completing your address include their suburb you are located in and the city name; a common fault is just to list the suburb. Including the city name in the address will help Google know you want to target your city and also help you by embedding part of your targeted search phrase(s) in the listing.

Categories: You have the option to include several categories that are related to your business. However, you only need to fill in the first category from the designated Google options. The remaining fields for categories can be used to fill with options that you may find more related or keyword rich.

3 – Get reviews

A massive factor in the way Google decides how to rank listings in Google Places seems to be the number of reviews a listing has. The more reviews, the better your changes are of being closer to the top. A great way to get reviews from current and past clients is ask for them in your electronic correspondence, eg, provide a link in an email newsletter or a link from your email signature.

Google will also use and display reviews from other review sites. A good way to find out what review sites Google are using in your industry is to do a few Google searches and take note of them. Now you know other review where you should list your business and ask customers to review you that will help in your local SEO.

4 – Build links to your website

Building links to your website is a necessary task if you want to see your website move up the search results page. There are many ways to complete this task and to do it yourself can be a little time consuming, but very rewarding when you achieve the results you want. To get the best results from your link building, it is a good idea to mix up the anchor text of the links that you build. They should range from keyword phrase rich links, products you sell, to your brand/business name. An important aspect of link building is to get the right anchor text pointing at the right landing page. For example, if one of the products you sell is blue widgets, it is advisable to build some links with the anchor text “blue widgets” and point them at your blue widget product page. This will inturn help you rank highly in the search engines when people search for “blue widgets”.

5 – Build Links to your Google Place page

Just like building links to your website, it can be a good idea to build links to your Google Place page. This will give Google an indication that your listing and business is very relevant to the keyword phrases that you are targeting; making you the authority in your industry and geographical location.

By implementing the above 5 local SEO strategies you will be heading in the right direction to have your business listed at the top of the search results and boosting the exposure of your business to your local marketplace.

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How to Make Your Article Marketing Work For You

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Article marketing works. It is a medium you can use to market products, whether your own products or affiliate products. It simply involves writing articles which make people want to come to your site or to your landing page.

Now before you start getting excited, I have to tell you that you have to give value first before people would want to purchase something from you. You just don’t put together one or two crappy articles all in the name of getting traffic. No!

That’s just plain wrong.

You have to put the interest of your customers at heart first. This reminds me of the Law of Compensation which states that ‘The amount of money you are paid will depend on the need for what you do, your ability to do it, and the difficulty in replacing you.’

So you have to give valuable information to your readers.

Now what you want to create when you write your articles is what is called CURIOSITY. You want them to WANT MORE of what you have given them.

And they can only want more of what you have given if what you have given is valuable. So the idea is to give them a taste of the delicious meal you’ve prepared so that they will be the ones ordering more.

Now how do you do that? You give them useful but incomplete information. Yeah that’s how you do it. Now that you’ve given them a gift (something you gave them for free), they would trust you as an expert and someone who is willing to add value to their lives first, not just telling them to buy something from you on the first meeting.

You have to give before you receive. Give and it will come back to you. That is the way it is. That’s the Law of Sowing and Reaping.

So when you give a very informative article about how to solve a problem and you tell them that they can get MORE information if they go to your website, they will go there excitedly. This is because they now trust you as an expert and someone who is willing to be generous with their information before asking for something in return.

Examples of information you can write an article about are ‘how to make more money in less time’, ‘how to import cars without stress’, ‘how to get a visa without going to the embassy’, etc

Keep Writing Articles

DO NOT ever quit. Don’t just stop writing articles because after a month of writing there is no traffic to your site. You have to keep on believing you’ll succeed before you have your breakthrough. You have to stick to it. Keep on writing and adding value to lives. Share the information you have. The rewards will come if you don’t give up.

Write Regularly

Don’t write articles once in a blue moon and expect instant results. Write at regular intervals. This helps you in the following ways:

1) Search engines love sites that are content-rich and are always being updated at regular intervals. It helps you rank high in the search results.

2) It motivates people who have been to your site keep coming back. I mean, why should they come back if they keep seeing the same old articles they’ve read a hundred times on your site?

So what is the summary of the above point? It is automation. Article marketing automates the internet marketing business. It automates your traffic. That is why it’s even good to contribute your articles to article directories like EzineArticles which ranks high in terms of traffic on Alexa. Once your articles are there, they are there for life and they bring residual traffic to you.

Keep Your Articles Short

The reason is because you want to keep people’s attention. You don’t want to bore them to sleep. You want to go straight to the point. I will suggest you keep it between 400 and 1000 words. There are a few times that your articles might have to be longer. But do that ONLY if it is absolutely necessary.

Write in a Professional Manner

By that I don’t mean you should write your article if you’re writing a formal speech. As a matter of fact you should write your article using simple, informal words as if you were talking to a friend. It makes you connect with your audience and makes you interesting. What I mean here is to reread your articles to make sure your spelling is correct, your grammar and punctuation are correct. The way you write can give people a good or bad impression about you.

I hope this article has given you lots of information on how to get started. Start writing articles today and make success out of it. Good luck.

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The Art of Mastering Medical

What Makes Medical Cannabis Oils So Beneficial?

Cannabis, one of the most prominent yet controversial natural herb, has its origins based on the heart of Asia and from there, it became more renowned and sought for today. Although marijuana or Cannabis may not have an influence that’s all-too positive as there are still some who may go against it, there’s no doubt that it’s an herb that’s been known since ancient times, to be quite advantageous for one’s health if taken with the right amounts. Cannabis is more renowned due to its effects brought by its psychoactive characteristics and though this poses risks that earned its controversial nature, it is still something that can produce great results for varieties of health conditions.

You’ll still see many places though wherein marijuana is illegal and this is because of the negative knowledge people have about it – there are many places who are moving forward to legalize it due to its medical benefits. You’ll believe more of its health benefits when you get the chance to experience the advantages brought by Medical Cannabis oils. It is also not shocking if you are still worried about using Medical cannabis oils and if you want to guarantee its benefits first before taking it in, read on below and be more informed about these advantages.

With the hectic society that we live in today, more and more people are succumbing to the pressure brought by stress and this is something that will put anyone’s health at risk. Medical Cannabis oils has been proven, through studies, as a great way to help you deal with stress. An individual would surely have a better hold of their emotions through the help of the cannabis, as it minimizes the stress receptors of the brain.

Having an asthma would surely be very frustrating for you and even more so for your children, and if you take the opinion of Chinese medicine and even Indian culture, you’ll surely see that one of the best suggestion they could give you is Cannabis. With the analgesic and even the anti-inflammatory effects of Cannabis, there’s no doubt that you’ll experience more comfort with your lungs with better airflow that would put you at ease.

There’s also the amazing anti-oxidant capabilities of Medical Cannabis oil and with the help of this characteristic, it can even aid one deal with heart diseases. As known by many, Cannabis is something that would affect the neural pathways of the body and aside from the aforementioned diseases or discomforts above, it can also help deal with plenty of other conditions from simple pain, seizure from certain health conditions and other extreme health conditions that may be putting you or your family member at risk.

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Ways To Attract Buyers To Purchase Your House

Homeowners who want to sell their houses usually want to sell them in the shortest time possible. Buyers like attractive homes and they are willing to buy houses that they like quickly. It is not expensive to carry out repairs of dripping taps in kitchens and bathrooms and these should be done to attract a new homeowner. Resurfacing of countertops in the kitchen and painting of cabinets can give a kitchen a new look. One may get a modern appearance when they change the cabinet handles in their kitchen.

By carrying out a kitchen model, a home seller can be able to add value to their house. Young home buyers like open-plan kitchens and one can consider this as they carry out a kitchen remodel. New faucets in the bathroom and new tiling can make a bathroom look good to potential home buyers. By replacing broken tiles and cleaning or removing old carpets, one can be able to improve the appearance of a floor.

Another option is to replace the floor altogether to get a new floor. Severely damaged roofs should be replaced or fixed because they can be a big turnoff to potential buyers especially when they see water spots which can mean that the roof leaks. No homeowner will want to buy a house that has a leaky roof because it can have mold and maybe lead to other dangers to residents if they live there.

An easy way to improve the appearance of a home is by painting it with warm colors. A home seller should not think about their tastes in color when painting a home to sell, but must think of potential buyers so they should use color schemes that will appeal to a large group of buyers.

Home sellers can change lighting fixtures and ensure that there is sufficient light in rooms and buyers will like these. Potential buyers may wish to have a lot of natural light and they can get this when they buy some homes.

Well done landscaping also makes a home more attractive to potential homebuyers. Potential home buyers may want low maintenance landscaping and a home seller should not overstretch themselves when improving the landscaping.

Buyers look for extra storage space especially if the potential buyers have growing families. Storage space can be added through simple ideas such as adding shelving and drawers. By fixing some these areas that are listed here, a homeowner will increase their chances of getting a higher price for their home. When putting up a house for sale on a website or elsewhere, one will need photos and a home seller should get their house in a good condition before taking any photos.

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