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Set Up Your Home Office

If you're one of the lucky few who can work from home you will know the joy of skipping the commute to work. Being a successful home worker takes discipline and commitment, it's far too easy to switch on the TV or spend an extra 20 minutes in bed if you don't have an angry boss watching the clock. Many people are envious of the self employed workers who spend their days working from their living room but setting up a successful business from home takes a lot of organisation and dedication.

When you work from home you need to have a space that you can clearly define as an office. Distinguishing the line between business and leisure time is important so make sure you can close the door on your workspace for the day. Choose an area in your home where you won't be disturbed by family members or excess noise. A spare room is often a great option for an office but if you're pushed for space try to establish a specific room you can use daily, make sure you hide away your TV, any games stations and magazines so your time won't be spent playing instead of working.

Many people who work from home often find themselves working extra hours in the evenings and can quickly forget how to relax and take time for themselves. Try to establish specific working hours that you are able to stick to so you don't find yourself constantly in work mode. If clients are forever calling you for updates on the progress of their project then set up a specific business telephone line with an answering service so you won't get disturbed once you sign off for the day.

When setting up your home office make sure to invest in a good desk where you can house all your materials and organise a filing system so your documents are easy to access. Make sure you have everything you need to function daily so you don't find yourself running out for errands every day, eating into your precious work time. If you have a home computer make sure you have insurance for it, just in case anything goes wrong with your system you can be back up and running in no time.

Having everything you need to present yourself well will impress your clients and help you find new business so if you work in design or regularly need to make up professional presentations invest in some photo printers so you don't have to worry about outsourcing expensive materials. Make sure you always have an extra stock of printing paper and business cards for all those last minute jobs that may come your way.

However you want to design your home office taking care of the practical aspects of your business will set you up so you are ready to work from home as soon as you win that all important commission.


Productivity And The Right Office Environment

The office environment and the furniture in that office play a vital function in the productivity of that office. It also exerts a colossal influence on the well-being of the office workers which will also have a big effect on productivity.

People need to be given the right tools if they are to be expected to do a job properly and in an office environment, the various pieces of furniture are some of the tools.

So, you, the boss, may think that you are saving money by purchasing cheap or second-hand tables and chairs, but that decision could cost you in lost productivity for the next ten or fifteen years. However, it is not only productivity that you could be losing, your furniture choices could also be affecting the health of your employees causing them to experience aches and pains and even take sick leave. In the worst cases, you may even be taken to court.

Yet all you did was try to save a few dollars on a couple of chairs.

If you work for yourself, say, at home, this is equally if not more important, because if you are the only one in your firm and if you get sick, your company ceases trading, which could have an effect on your kids' schooling, your mortgage, your car payments and your future credit worthiness, if you do not have adequate insurance.

Yet all you did was try to save a few dollars on a couple of chairs.

It is crucial to establish the correct working environment correct from the beginning. If you were a carpenter, you would not buy a rusty, secondhand saw and you would not buy yourself an old 386 computer to work at, so why not apply the same principles to the office furniture? Office furniture costs less than a new computer and will last at least three times longer.

So, which items of furniture will you require to equip an efficient office? Well, it is best to start with the chairs and work up, assuming that the floor is even and not slippery or wet. For the sake of ease we will just talk about you as the one employee using the office.

Whilst you sit on the chair, you should be able to put your feet flat on the floor and there ought to be a back rest. You can go more deeply into it, but they are the minimum requirements. This is why many office chairs are adaptable, because they have to be able to suit a assortment of individuals.

Then the table: it ought to clear your knees by at least six inches, but not be so high that you can not rest your elbows on it without slouching. This will encourage correct posture, which will minimize the danger of backache or wrist pain. The desk or table ought to be big enough to hold all the things that you require to work on or with.

Therefore, you should consider the footprints of your desktop's keyboard and monitor. Perhaps add space for a laptop for file-sharing, a paper notebook, a reference book, pen holder, mobile or other telephone, a coffee mug and whatever else you use to do your job. The desk should not look permanently cluttered up, even if you are a disorganized person.

It is a good idea to have a desk with drawers to hold items that you use regularly. Some desks are equipped with a small filing cabinet at one end and a set of draws at the other. This is handy and can save space in a small, home office. Even if you get one of these desks, you may want a full-sized filing cabinet anyway. That depends on how much paperwork your business uses. A full height cabinet means less bending and you can put the coffee percolator on it.

Then you will require shelving. make certain that the shelving is installed at a height that is comfortable for the person who will use it most often and that there is enough of for predicted future use. Once you have your lovely new office set up and full of nice new equipment, you do not want to have to start drilling holes in the brickwork.

Which brings me to power points. Make sure that you have plenty of them. Have them all around the room. I like to have a double socket just to the left and just to the right of my desk just above desktop height as well - very useful for plugging the laptop into or the phone, or a lamp or a camera, if you require one.


The Ins and Outs of Investing

Want to know the difference of your company's annual report and financial statements means? Well you have come to the right place. I have made a plan on how to teach even a caveman to get rich. How to take the financial statements of a company and carefully analyze them to determine what the stock is truly "worth" will be a simple task after this. I will show you how to make better investing decisions by helping you avoid the costly mistake of purchasing a company when its share price is too high.

You are going to look at why stocks exist and explain how a business goes from being a family-owned company to a "Wal-Mart".

First, you will have to learn what these symbols and words mean. EPS, which stands for earnings per share. In lamens terms this means amount of profit each share has earned, or entitled. GP, this stands for going public. This literally means that a company is going to open up some shares to the public.

Then there is Market Cap, which means the amount of money you would have to pay if you bought every share of stock in a company. To find this out just multiply the amount of shares to share price. Now lets not forget about the most important word, SHARES. A share represents an investor's ownership in a "share" of the profits, losses, and assets of a company. It is created when a business chops itself into pieces and sells them to investors (like you) in exchange for capita. Also with each Publicly shared company there comes a Ticker Symbol.

This is basically a small group of letters that represent the company. For ex. Google.com is GOOG.
While the stock market can be a great source of income for many people, it can also be a tangling mess for others. The average person falls into one of two categories. The first group thinks investing is like gambling. These people are stuck on thinking that you will loose your money if you invest.

More often than not, this group is influenced by experiences from friends and family. The second group is made up of those who know they should invest for the long run, but do not know where to start. Most of the time, these people leave their money to the so-called "Professionals."

Now that you know a little more on how the stock market works, you are going to take a closer peek at the individual stuff that make the market go wild. Understanding this will help you to take lead of the behavior that sometimes affects your portfolio.

Here are a few more terms you need to digest before you can understand a little better. Bear Market the stock market in general has falling prices. Broker: A person who buys or sells shares for you for a nominal fee. Bull Market: Market is rising. Laws of supply and demand adversely affect the stock market.

Now that you know all this let me teach you how to read a balance sheet. You must remember that for every business, there are three important financial statements you must look at. The Balance Sheet, the Income Statement, and the Cash Flow Statement. The balance sheet tells you how much money the company has, how much debt it owes, and what your share is. The cash flow statement is like a business' checking account. It shows you where their money is going. The income statement is a shows the company's profitability. It tells you how much money a corporation has made, or even lost.

These are terms your have to know for a balance sheet. The Annual Report: this is a document released by companies at the end of their fiscal year. Tells you what the CEO and other senior management have discussed about the past year as well as the upcoming year regarding the company. This should include financial documents.

The 10K: This is a document filed with the SEC, which contains a detailed explanation of the business and what it does. (Filed annually) The 10q: The 10q is similar to the 10k, but is filed quarterly. All of this information will help you determine whether or not the company is worth your money.

Ok, I think you are ready to make your own balance sheet now. Pretend that you are going to apply for a home equity loan to remodel your kitchen. The first think your going to do is ask the bank to borrow money. And the first thing the banker asks for is a list of your current finances. This involves a little work. Write down everything you have that is worth something for ex. your checking and savings accounts, mutual funds, house, cars, and other various objects of worth. Then, your going to write down all of your debts.

Things like the mortgage, car payments, and your student loan. Take the debt you owe and subtract that to the things you have of value and now, and you have your net worth. You have created your balance sheet.


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