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Январь 2008

Learn a bit more about fixed and variable immediate annuities

Learn A Bit More About Fixed And Variable Immediate Annuities

It doesn’t matter if you have a good job, or a very good job, you have to think about the life after retirement. Many people are completely aware of the fact that they should save some money to for a better future. But, many of them never become able to do it on their own. This is the reason why it becomes important to choose a specific financial product. That’s exactly the time when you can think of using the option of immediate fixed annuities.

Today, many people are aware of annuities, but there are few who still don’t know the basic differences between a fixed and a variable annuity. In case you are also one of those people, here is what you should know about the both types of annuities.

In a fixed immediate annuity, the underlying investments will always be fixed. It means there will be no change in the rate of return. A fixed rate of interest will be associated with fixed annuities. This is more like a bond type of investment. This is the biggest difference between the both types of annuities.

On the other hand, you will always find a variable rate of interest with variable annuities. It means your return may change over time. It is due to this particular feature of variable interest that you can take it as a stock type of investment. In this type of investment you might see some fluctuations in your returns and that’s exactly like you see when doing business in stock market.

Due to this basic difference, you can find these annuities offering different types of benefits. For instance, when you opt for variable annuities, you can put money away today to enjoy certain tax related benefits. This is not a possibility with fixed annuities. But, it is also crucial to mention that variable annuities will always be more expensive than fixed annuities and this is due to morality and expense charges.

Now, after going through this information, it is obvious to get confused when making a choice about any one of the annuities. But, if you are confused, you should take some time to determine your exact needs and requirements. This is the best way of making an informed decision. Also, you should take your expected life span into consideration to get to a conclusion. For instance, if you are worried about outliving your assets, you can choose the option of a fixed immediate annuity.

It is so because this type of annuity starts paying right away and provides you with enough money to deal with your daily expenses. In case of variable annuity, the insurance company lets you enjoy your money in future, and don’t offer the luxury of using your money right away. So, if you think you can not wait to get a regular stream of income, you should go with fixed annuities. But, think twice before making any decision.

Internet marketing is necessary to successful web sites

Internet Marketing Is Necessary To Successful Web Sites

Internet marketing is essential to the success of web sites. You can have a professional looking website but what good can it do if internet users are not able to find it when they need your products and services? That is where an internet marketing campaign comes into play.

«Your website has to magically appear before buyers when they need products and services.»

Internet marketing is similar to designing websites- it does not require much experience to do a good job, just good knowledge and a keen eye for details. It is fundamentally important for a good internet marketer to constantly update himself weekly, if not monthly, of online markets. There are many ways to market your website .

— Find A Competent and Reliable Internet Marketer —

Justify the costs of hiring an Internet Marketer — First of all, getting an internet marketer is not essential for every website. If your website is a business website or a website which you want to generate revenue from, it is good to seek a competent internet marketer to work on your website. For more details visit to www.ultimate-internet-marketing-tricks.com.The costs spent on your website for internet marketing has to be justified and often, they are justified by having more revenue and traffic to your web site.

Potential customers have to know that there are no guarrantees in SEO. Since everything is fundamentally based on search engines, SEO work is at the mercy of major search engines like Google. Many SEO companies tried to secure customers with guarrantees that they cannot fulfil, resulting in lawsuits or customers getting burned for hiring their SEO services.

— What an Internet Marketer can offer —

In short, an Internet Marketer oversees that your website is built properly for visibility and promoted with the best dollar spent on your internet marketing campaign. It is no good having a website and not appearing in internet searches. Your website has to magically appear before buyers when they need products and services. Internet Marketers deploy search engine optimisation techniques to make your website visible and targeted to internet users.

Internet marketing requires research and analysis effort for individual website, followed by optimisation of website .For more details go to www.perpetual-traffic-generator.com .
Hundreds of hours may be spent on each website, depending on the size of your targetted market. You are essentially paying for the amount of effort involved, effectiveness of your internet marketer and daily sales tracking of your website.

How to choose an Internet Marketer- Internet marketing requires constant updating of skills and knowledge. One crude way to test if your internet marketer is a genuine or fake- Ask your internet marketer about recent events that happened in his field. If he cannot answer that, he must have a genuinely good reason to back himself as a good internet marketer! At times, it is easy to fall prey into the hands of bad internet marketing companies as happened in US and other parts of the world.

It is also important for you to feel comfortable with the amount of money you are spending on getting your site popular before committing yourself to an internet marketing campaign. Internet marketing campaigns typically last a few months and requires monthly tune-ups to your website. Include the costs of an internet marketing campaign when doing your company’s advertising budget.


How to make the switch to booth rental or salon rent a chair

How to make the Switch to Booth Rental or Salon Rent a Chair?

Just because a competitor across the street has shifted their salon to rent a chair or booth rental business model, does not mean that you should follow suit. You may be under pressure if they try to poach your staff or you lose a stylist or two however, sometimes-forced change is good and in this case you might be forced to take a long hard look at your business model to decide if its for you? If you have good quality staff and you’re happy with running the traditional model you need not worry. Nevertheless, it’s always better to keep your ear to the ground and be ready for any changes that your competitor might make at your expense right?

One of the basic issues in managing the switch to rent a chair is dealing with the present and future employment status of your employees. Ideally you should try and convince some of the more ambitious staff to be entrepreneurial and take a leap of faith, as your existing staff already knows the systems and procedures and are acquainted with the work and salon culture. This makes for a significantly smoother transition for all parties but not always possible. Moreover if your existing staff make the switch, it will be a testament to you and the team further sending a message to other stylist in your area that you must have something going on if your own team are keen to make the switch.

Depending on your Government’s Labor Laws, you may or may not be able to ask your staff to resign from his or her existing position in order to take on the new venture. There should be no termination from your side unilaterally or else you may spend considerable time in court dealing with unfair dismissal claims. It really has to be the employees idea and their free will to resign because they favor the new contract and concept, and are happy to, in writing, terminate their existing employment contract to become self employed. At this time, you will also be required to pay all holiday pays, superannuation, etc as if the employee were leaving your salon.

If you have any apprentices and you decide to change to rent a chair or booth rental, it goes without saying in most states and countries, you cannot terminate the apprentice. Be sure to do your dewdiligence with you local governing body. In this case you have to let them continue their training and employment with you till they organically move on, and till that time, your salon will have to run with a mixed structure.

If you’re planning to shift to the rent a chair model, systems and procedures need to be clearly defined for its success. The very first thing you need to determine is the booth rental contract including such topics as, percentage rent or flat fee, professional products and payment and supply, inventory and stock control, billing clients, will the stylist make there own appointments, marketing, etc…

Some of your qualified employees may not be ambitious enough to make the switch to a booth renter. Being an entrepreneur is not for everyone so do not terminate them or else again, you could be spending considerable time in court defending your actions.

Good luck.

John c

John C. Ernst Company Lets Pictures Do the Talking For Flow Control

“When a flow meter, level gauge or other device needs to be replaced, it needs to be done quickly,” says Ernst President, James Wolfe.  “Since our items last many years, replacement records are sometimes hard to come by.  We’ve done our best to simplify replacement,” he adds.

According to Wolfe, visitors can either select by flow control type (sight glass, sight flow indicators, flow meters and totalizers, liquid level gauges and valves, glass and gaskets, sight window, switches flow and level, ejectors and eductors) or, if they have a model number, they can go to a model number index.  With one click they can get a complete listing of the type of flow control device they need.

A click on any of the device names or model number, takes them directly to an online catalog where each item includes a picture, available sizes, features, ratings and materials.  Wolfe explains that each item is organized alongside its most closely related product.  “Even if a customer doesn’t know the model number or name of the device needed, he/she can compare the device to our pictures and ratings to find the exact match.

“If the pictures don’t work, there is a toll free number, 888-463-7678 on every one of our pages, adds Wolfe.  “We have trained customer support personnel on hand to walk customers through the approval process.  We’ll usually direct them to the product index page, then to the right portion of our catalog.  In a couple of minutes customers are comparing their device to an exact picture in our catalog.”

John C. Ernst and Company carries a complete line of flow meters, gauges, indicators and sight windows.  John C. Ernst Company is located in Sparta, NJ and can be reached at 888-463-7678 or online at www.johnernst.com.