<html xmlns="http://www.w3.org/1999/xhtml" dir="ltr" lang="en-US"><head profile="http://gmpg.org/xfn/11"><meta http-equiv="X-UA-Compatible" content="IE=8" /><meta http-equiv="Content-Type" content="text/html; charset=UTF-8" /> <title> fensxnd.info</title> <link rel="stylesheet" href="https://fensxnd.info/wp-content/themes/tmp/style.css" type="text/css" media="all" /><!--[if IE 6]><link rel="stylesheet" href="https://fensxnd.info/wp-content/themes/tmp/ie6.css" type="text/css" /><![endif]--> <meta name="robots" content="index,follow" /><link rel="pingback" href="https://fensxnd.info/xmlrpc.php" /><link rel="shortcut icon" href="https://fensxnd.info/wp-content/themes/tmp/favicon.ico" type="image/x-icon" /> <link rel="EditURI" type="application/rsd+xml" title="RSD" href="https://fensxnd.info/xmlrpc.php?rsd" /><link rel="wlwmanifest" type="application/wlwmanifest+xml" href="https://fensxnd.info/wp-includes/wlwmanifest.xml" /> <link rel='index' title='fensxnd.info' href='https://fensxnd.info/' /><meta name="generator" content="WordPress 3.1.3" /></head><body id="home"> <div id="header" class="clearfix"> <div id="branding"> <h1 id="logo"><a href="https://fensxnd.info/" title="fensxnd.info">fensxnd.info</a></h1> <div class="description"> </div> </div> <div id="nav" class="clearfix"> <div id="nav-search"> <form role="search" method="get" id="searchform" action="https://fensxnd.info/" > <div><label class="screen-reader-text" for="s">Search for:</label> <input type="text" value="" name="s" id="s" /> <input type="submit" id="searchsubmit" value="Search" /> </div> </form> </div> <ul id="menu"> <li class="page-item-home current_page_item "><a href="https://fensxnd.info/">Home</a></li> <li class="page_item page-item-6"><a href="https://fensxnd.info/about/" title="About">About</a></li><li class="page_item page-item-10"><a href="https://fensxnd.info/blog/" title="Blog">Blog</a></li><li class="page_item page-item-8"><a href="https://fensxnd.info/contact/" title="Contact us">Contact us</a></li><li class="page_item page-item-73"><a href="https://fensxnd.info/list/" title="list">list</a></li><li class="page_item page-item-21"><a href="https://fensxnd.info/privacy-policy/" title="Privacy policy">Privacy policy</a></li> </ul> <div id="submenu-bg"> </div> </div> </div> <div id="main" class="clearfix"> <div id="container"> <div id="content"> <div class="post-69 post type-post status-publish format-standard hentry category-online-payday-loan" id="post-69"><h1><a href="https://fensxnd.info/things-to-be-considered-while-a-choosing-payday-loan/" rel="bookmark" title="Permanent Link to Things to Be Considered While a Choosing Payday Loan">Things to Be Considered While a Choosing Payday Loan</a></h1> <small class="meta"> <span class="alignright"> </span> </small> <div class="entry"> <p> A payday loan is a short term loan that is often used to cover up unexpected expenses and it is paid into your bank account directly. In order to apply for this type of fund, it is vital that you should fill up the application form properly and that you should fill up a few other forms as well. If you follow this type of online application procedure, it is vital that you only have to spend a few minutes for this purpose. Once it is approved, there is possibility that the total amount of money will be deposited directly into your bank account. For this type of application process, all you have to do is to write your bank account number as well as Social Security Number on the application form. Here are a few things that you should consider before you apply for this type of fund as quickly as possible.The first step that you should follow is to contact at least four or five lenders and that you should ask them to provide price estimates as quickly as possible. It is vital to remember that they all may provide different types of price quotes and it is important that you should choose someone who offers price rate that suits your requirement. Plus, you may ask him if you have to pay anything extra at any point of time.When you look out for this type of fund, the thing that you should follow is to gather knowledge about its repayment terms. Repayment is the exact time that is allowed to the borrowers to repay the loan successfully. It is vital that you should be able to repay it within the stipulated period of time and it is also important to note that you may also have to face a penalty if you cannot repay it within that period of time.However, there are a few lenders who allow you to extend that period of time up to six months. Therefore, the next step that you should follow is to ask about the necessary action that he should adopt if you do not have an adequate amount of money to repay it within the stipulated period of time. All you have to do is to apply for an extension at least two days before your scheduled date of loan repayment. It is vital that he should give you this kind of facility. He may ask you to pay the interest rate within the stipulated period time and he may also encourage you to repay the rest of the amount as quickly as possible.Your next step is to find out the details of repayment terms as much as you can. All you have to do is to ask him about the exact date within which you have to pay off this kind of fund as soon as possible. It is important to remember that you will not be charged a penalty if you pack back this kind of fund prior to the specified period of time.It is vital that you should find out the details of customer support that is offered by him. It is advisable that you should choose someone that provides excellent customer service and that listens to your problem whenever you approach him at any point of time.The final step that you should follow is to contact your local business bureau as quickly as possible and that you should find out if there is any kind of complaint being launched against him at any point of time. Plus, you should also check out if there is any sort of negative review or comment being written by the customer on any social networking site at any point of time. <br/><a style="display:none;" target="_blank" href="http://jasabacklinkpro.info">jasabacklinkpro.info</a><a style="display:none;" target="_blank" href="http://jasabacklinks.info">jasabacklinks.info</a><a style="display:none;" target="_blank" href="http://kalipakem.com">kalipakem.com</a></p><div class="mads-block"></div> </div> <div class="postmetadata clearfix"> </div> <!-- --> </div> <div class="post-67 post type-post status-publish format-standard hentry category-uncategorized" id="post-67"><h1><a href="https://fensxnd.info/the-formula-for-successful-market-programs-finally-revealed/" rel="bookmark" title="Permanent Link to The Formula for Successful Market Programs – Finally Revealed">The Formula for Successful Market Programs – Finally Revealed</a></h1> <small class="meta"> <span class="alignright"> </span> </small> <div class="entry"> <p> Awhile back, we wrote an Industry White Paper titled “Market Technology: The Missing Link.” In its simplest form, Market Technology outlined a methodology, which advocated that a company’s market program (effectiveness) was, as critical as, the product and services that a company engineered.Possibly, more important – especially for small-to-medium, sized companies that had to get it right out-of-the gate and did not have the margin for error that larger firms have. Market Programs can make or break a firm. This article discusses a process orientation to define/develop effective, Market Programs, which can impact several areas:Vertical Industry/New Market Development<br />Product Launch Introductions/Roll-Outs<br />Competitive Attack Campaigns<br />Target Account and Opportunity Base Development<br />Distribution Channel & Strategic Alliance Development/StimulationAs we overview this process, it is necessary to insert a critical role in the organization – the Market Programs Designer. No matter what your firm calls this role, it is essential to have a defined “owner” and skilled individual on staff that can translate critical business insights into effective Market Programs. Without this, your organization will be driven by bold ideas that stumble along or go nowhere.This is the primary reason that many CEOs are reluctant to put the power stick in the hands of Marketing and invest. If they have been let down by the lack of results in past efforts, it only makes it more difficult for the Marketing Team to have a voice. This may explain the reason that Marketing defaults to trade show coordination, product support, lead generation and collateral development, as their primary focus in many organizations.Here is a summary of the process steps to feed/fuel effective, Market Programs development:1. Research Phase (Doing the Homework) – this does not have to be a strict, empirical study. For each program, a range of outside sources should be tapped to obtain or reinforce the insights needed to develop a baseline program profile.For example, if the focus is on New Product Introduction, then engaging with Industry Associations/Groups that cater to your target segment (niche) and key customers and prospects (and even some ringers – competitors’ customers that selected them over your firm) can be engaged to gain critical insights. Cover your bases – obtain pure, unsolicited responses on Market characteristics, buying attitudes, evaluation/selection criteria, price points, problem-set, perceived or derived benefits (from use), key applications, packaging considerations, economic factors, competitive influences (tactics, options, alternatives, etc.), timing, cost/return considerations (breakeven scenario), roll-out incentives, etc.This can be garnered in thirty days or less and once you develop a knack, it can become a continuous process. Once the data is collected, have some of your “bright lights” interpret and translate the various inputs into a general Profile. Make sure that this step is not contaminated by individuals that will either incorrectly translate the data or influence it to be what they want it to be. That will only result in ineffective program definition, as we move through the process. Imagine implementing a Program where the timing or other factors were flawed or misjudged – it happens and it results in a bust program.2. Program Profile – the profile is the baseline that will direct you to the make-up and elements that will fuel and shape the Market Program or campaign. The profile is a composite of the results of the research phase and the translations/interpretations that were made.Example: Let’s say that your front-end, research indicated Middle Management (those with the problem to solve), within target accounts were ripe for change (given the capabilities of your new product launch), however Senior Management was uncertain or found it difficult to introduce change into the organization, at this stage. To ignore this input and launch a new product targeted at Middle Management (user community) and not factor-in sentiments of Senior Management and timing of launch – may be detrimental to program success.Certainly, a necessary element of the program may be to conduct an educational webinar for Senior Management or to develop a series of Industry briefs that could bring them up to speed. Each element that was derived from the research phase must be sorted-out this way and then transferred to the Program Profile. When each element is outlined, it is then necessary to evaluate and select the overall, make-up of the campaign.This would involve priorities and trade-offs, based on what would work with the target audience, funding availability, resource loading, desired or needed results (tangible and intangible), market readiness/demand, competitive barriers and other factors. These indicators will lead the Market Programs Designer to make the necessary selections on the vehicles and platforms that make-up the campaign.Example: If the target market (segment) for the new product launch is the Avionics Market (Airborne Platforms) – with emphasis on surveillance and reconnaissance applications and Program Managers and Engineering Management being the key prospects – it would be doubtful that Twitter or Facebook would be selected, as critical elements. LinkedIn might be an element of the program, however depending on your internal trade-offs (like sense of urgency and budget availability) – E-Mail Marketing may be chosen, as a lead.Direct- response programs, Webinars and other direct vehicles may also be selected to support the program. These are the type of considerations that must be brainstormed to derive the Marketing Mix for each program or campaign. We prescribe integrated marketing programs that combine different program elements into one campaign, although this must be well-grounded and justified. Each campaign must also have “metrics for success” that will set the targets to be realized and attained.Examples: to support the product launch campaign, the following target objectives might be set (tangible) – to generate $1.5 Million sales over baseline, due to new product launch, by December 31, 2011 or (intangible) – to achieve best in class reward at upcoming MTI event for new product introduction.3. Implementation – whether you represent a large company, a small-to-medium, sized firm or start-up – conduct a pilot phase to a well-rounded, target audience to iron-out the program, before full product launch.This will allow you to gain valuable insights that can be factored-in to strengthen the overall, make-up of the campaign. Obtain key insights not only from prospects/customers, but also members of the Sales/Support Team and Distribution Partners prior to formal launch. Their insights will make a difference and in many cases – they are the implementation arm that will drive your program to success. This approach will breed ownership. Enroll them early and often and provide them the right combination of motivation, recognition and reward.4. Management and Reporting – to reinforce the point – assign an owner to each Market Program or campaign for the program life. This individual will be accountable for all aspects of the program, serve as, a focal point/interface to both internal and external program participants and manage and provide program linkage.Program reporting must be simple, useful and not imposing for program participants. The emphasis is on generating information that will determine how effective the campaign is (at different stages) and capturing vital and timely data to make mid-course, program corrections. The program owner must be an individual that has respect, within the organization and has power and clout to get things done.5. Program Continuum – although most programs and campaigns have a life-cycle, it is necessary to note that the Market Programs process is self-perpetuating. As a program goes through different phases, there may be occasions where a program needs to be refreshed, redefined, combined with other initiatives or programs or obsoleted.6. Putting it all together – An early-stage, technology provider decided to change its focus from varied commercial markets to the Defense and Military Market with emphasis on training and simulation applications. Their business suffered from a lack of focus and a range of discrete commercial projects that provided no sustainable base of business. The company secured several projects directly with large, Defense Contractors and could see the potential of establishing its innovative, 3-D Simulation Platforms, as a standard within this large and potentially, rich niche.Their dilemma was that the company and its technology were literal unknowns and they were not well-connected with the TOP Defense Contractors/Integrators, and Program Offices/Agencies that were key to their success. The company was in the midst of introducing a 2nd generation platform that not only would change the rules, but also determine the survivability and continued success of the operation. Where to start?Step 1: the company conducted a front-end, research effort to identify the TOP 50 Defense Contractors (cross-division) and the companion Program Offices/Agencies that represented its prospect set. This included full contact data on Program Managers and Engineering Management – the primary target audience.Informal sessions were conducted with a prospect sample to gain insights into current methods of training/simulation, competing alternatives, price bogies, applications emphasis, budgetary cycles, funding allocation priorities, etc., which provided a base of understanding. The information collected was then translated/interpreted by company principals, with the help of an outside, Industry specialist.Step 2: a baseline profile was developed, which outlined the key elements captured in the front-end, research. Primary insights revolved around the buying attitudes/opinions of the target audience, strength and weaknesses of competitive offerings (included in-house solutions), cost/pricing considerations, delivery vehicles (web-based, preferred portable devices, etc.), risk profile of prospect audience (would they buy from a small, unknown technology company), budget availability and timing, etc.This output also paved the way for determining the “right” program mix and fueled the positioning/messaging and format that supported the program.Step 3: the program was implemented with the following elements:-3-Phase E-Mail Communique – this segmented campaign introduced the company and built awareness and credibility, as a dedicated Defense & Military technology supplier. Phase 2 outlined the technology with example applications, based on real customer projects, with the 3rd mailer setting-up the target audience to attend a powerful, problem-solving webinar – which encouraged potential customers to bring some of their toughest problems to solve.-Media Coverage – featured interviews and contributory articles were set-up with major, Industry publications to reinforce the company’s commitment to the Defense & Military Market and promote its new product introduction.-Target Account Development – direct sales efforts were directed at the TOP 10 Defense Contractors/Integrators (cross-division) and selected, Program Offices/Agencies – LinkedIn and other social media vehicles were leveraged to reach and engage with target prospects. A well thought-out and executed plan of attack to crack these accounts open was put in-place.-Distribution Channel – to broaden the company’s coverage and build a rich, opportunity base, an active recruiting and selection program was initiated to create more “feet on the street.” The selected Reps were well-connected with the target audience and conversant in simulation and training systems.-Collateral – creative material was developed to support the campaign – with emphasis on Customer Project Profiles – many of which were implemented on iPad and other portable media devices. This allowed the company to reach a broader audience and “strut its stuff.”Step 4 – a Senior Manager was assigned Program ownership. Reports were generated bi-weekly at the start of the program, which was extended to monthly, as the company gained more experience with the program. As the company ramped-up its new Distribution Partner Network – the reporting requirements became more diverse, but meaningful. There were several shifts in the program format, during the campaign based on new insights that were derived from prospect and Rep Partner inputs.This particular program is currently in-motion and will be driven for the balance of 2011. To-date, the program has created an active forecast and rich, opportunity base for the technology company, put them in the media forefront, established them with key contacts, within the TOP 50 Defense Contractors (cross-division) and netted them Industry awards for the impact their simulation and training platforms are having on redefining standards and for their innovative use of portable media devices to demonstrate product capabilities and application benefits.So – how’s your Market Programs methodology holding-up in this tough-as-nails, Market Economy? </p> </div> <div class="postmetadata clearfix"> </div> <!-- --> </div> <div class="post-64 post type-post status-publish format-standard hentry category-uncategorized" id="post-64"><h1><a href="https://fensxnd.info/first-line-manager-understanding-vested-interest/" rel="bookmark" title="Permanent Link to First Line Manager: Understanding Vested Interest">First Line Manager: Understanding Vested Interest</a></h1> <small class="meta"> <span class="alignright"> </span> </small> <div class="entry"> <p> Vested interest exists. This means an individual has a special interest in protecting or promoting that which is to their own personal advantage. Or, there are groups that seek to support or control an existing system or activity from which they derive private benefit.A first line manager’s vested interest are in their functional area goals. A first line manager’s external business environment is also important. Effective first line managers must support a balance between their and others’ vested interest. A first line manager is like a fish in water; the fish contains water and is in water. There is internal business vested interests and external business vested interests. Let us consider these interests.First consider, a business’s internal interest and the manager’s role in each. There are two types of first line managers; functional line managers and general managers. I was a functional line manager as a restaurant manager, an accounting manager, and a territory sales manager, in these roles, my success was dedicated to that function. I was a general manager of hotels and a Business Office Manager; in these roles, my interest was in accomplishing all the functional goals of the organization.Functional first line mangers have to make sure their area of responsibility is accomplishing the assigned departmental goals. A functional manager’s is a success if their departmental goals are accomplished. Managers that are removed of not successful. Acceptable managers goals are within the acceptable range. Managers that consistency exceed their goals are considered for higher management. They are top performers. Here is the rub, functional managers must maintain a delicate balance between their department’s interest and other department’s vested interest.As a District Accounting Manager I approved the credit on sales contracts for appliance sales, a marketing function. If I was too selective marketing did not make quota and the salesperson salary suffered. If I was too lenient, the marketing department made above quota and the salesperson was very happy. In my accounting function was responsible for the payment of the contracts. I reported to a Division Accounting Manager who expected me to collect the money for the appliances. I received my promotions and my bonus on how effective I was in collections not in sales. This is the conundrum of a first line manager; how do you carry out line goals while not alienating other departments.Now think about this, if a first line manager wants to become a general manager, they must keep the other departments goals in perspective. Other first line managers must know, even though, you have departmental interest; you understand other departments have vested interest. You must be seen as cooperating with them to make every manager and the company successful. This is very important, and an extremely difficult balance.If you want to progress to a mid-level manager within your functional area, cooperation with other departments vested interests is important. A mid-level functional manager most times reports to a middle level general manager and higher level functional manager. Progression to a functional middle manager is difficult, most times, you have to be on the top of the department’s functional goals. In addition, you must be acceptable to the mid- level general manager. A mid-level general manager will not want a line functional manager that creates problems for other functional areas as a mid-level functional manager.Now, consider the first line manager as general manager. I was a first line business office manager and general manager, I was responsible for all the functions of the company. I had an interest in the accomplishing the goals of accounting, marketing, and operations. I had goals in each of these functional areas. I reported to a middle level general manager. I was given these positions because I was a successful first line manager. Also, I was chosen for these positions because of my expanded activities in the community and within the company. I achieved my functional goals and helped other departments make their goals; or, I would never been given these general management positions. As a general manager my energy was divided among the functional areas of the company. My success was based on my teams success in all the functional areas. I had a vested interest in all functional areas. Now, I had to deal with reporting to functional middle managers whose vested interest was in their area.Second consider, a business’s external interest and the manager’s role. A couple examples are the vested interest of Labor unions, and the community.Labor unions are an external vested interest. Unions present a unique problem for a first line manager.I remember my Dad explaining mistletoe to me. Mistletoe gets it food from the tree. If the tree dies the mistletoe plant will die. I wondered if the mistletoe knew it could kill the tree. Labor unions have a vested interest in keeping the union alive. Do they care if the business survives? I think that to a great extent a union does.As a first line and general manager, I had to contend with union concerns. This meant, I became an expert on the union contract. I realized the written comments in the contract did not always mean what they seemed to mean. This conundrum meant, I had to know the memorandum of understanding of the comments between the company and the union. Also, I made use of a company industrial relations person when there was confusion.A union employee’s interest was not always in the best interest of the company; it was with the union. Seniority is a vested interest in unions. This means that seniority was a interest of union employees. Our contract gave certain entitlements for seniority. I had to know how to manage seniority. If I was not careful, union employees would use seniority entitlements to their advantage. For example, union employees that reported to me wanted all new vehicle to go to the senior employee. This entitlement was not in the contract and was not in the interest of the company. I refused to allow the senior employee to get the new vehicle. Why is knowledge of the contract contents important to a manager? If you are not careful, you will set a precedent in your department that will be used against the company in negotiations or arbitrations.First line managers must understand community interest. First line managers must at times place these community interest ahead of company and personal interests. This is very important today because of social media. A manager must always be aware of risk management and ethics in their decisions. Some decisions may seem correct for your department or company; but, will not for the interest of the community. Your decision could become a risk management issue for your company.Consider, General Motors, because it did not consider the interest of the community when it did not recall the cars because of the starter problem in their cars. This decision had a tremendous negative impact on the image of General Motors with the public.I will not continue with other examples of invested interest first line managers must consider.The point is, a first line manager must be sensitive to other’s vested interest; then, manage their vested interest accordingly. </p> </div> <div class="postmetadata clearfix"> </div> <!-- --> </div> <div class="post-62 post type-post status-publish format-standard hentry category-uncategorized tag-home-schooling" id="post-62"><h1><a href="https://fensxnd.info/tips-to-reduce-the-cost-of-multi-age-home-schooling/" rel="bookmark" title="Permanent Link to Tips To Reduce The Cost Of Multi-Age Home Schooling">Tips To Reduce The Cost Of Multi-Age Home Schooling</a></h1> <small class="meta"> <span class="alignright"> </span> </small> <div class="entry"> <p> Multi-Age Home Schooling can be a much more expensive choice for the family than Public Schooling, as there are a lot of expenditures that need to be made.This hasn’t stopped families to home school their children, realizing this way is a much more effective and flexible option. That being said, it doesn’t mean that there aren’t ways you can reduce costs. Here are a few tips that will help you do just that:You don’t have to buy the textbooks and all the other materials – just the ones you can’t borrow from the library or from local schools where you should be able to lend them or buy them at a cheap price. Other materials you can just download from the internet and print them at your convenience.Visit the online multi-age home based schooling communities and just ask where you can find free or cheap learning resources.Another great way to teach your child at a very low price is to simply go to the zoo, botanic gardens or if you want to teach history you can easily visit museums or historical sites. Culture can be taught by visiting various cultural locations or by going to the theater. Many of these are free, and the others cost very little.Every neighborhood has its home based schooling community. By joining these home based schooling communities, you can learn from other homeschooling parents by sharing experience.The community can ask the local public school for donations of used textbooks, and other useful materials. The home based schooling community can develop a fund together and negotiate with publishers for cheaper prices.You should take these tips into consideration and reduce multi-age home schooling costs so you can use the money for other pleasurable activities for you and your family. </p> </div> <div class="postmetadata clearfix"> <p class="tags">Tags: <a href="https://fensxnd.info/tag/home-schooling/" rel="tag">Home Schooling</a></p> </div> <!-- --> </div> <div class="post-60 post type-post status-publish format-standard hentry category-uncategorized tag-home-schooling" id="post-60"><h1><a href="https://fensxnd.info/finding-the-right-home-school-program/" rel="bookmark" title="Permanent Link to Finding The Right Home School Program">Finding The Right Home School Program</a></h1> <small class="meta"> <span class="alignright"> </span> </small> <div class="entry"> <p> There’s no turning back now! We joined the ranks of the home school movement! We actually left behind the traditional brick and mortar school system. We did? Yikes! How the heck did I do this alone AND find the right path or “home school program” that was perfect for our family?The biggest question was can I do this? Eek! I realized I was about to embark on a colossal voyage; full-time employment, full-time teacher, full-time mom! I’m so glad I didn’t think how massive this thing was at the time (risking I’d chicken out once I realized the scope of this task all by my lonesome). I just decided to move forward and wing it. I had a “Mom the Builder” attitude. Once I made my mind up, I declared “I CAN do this… yes I CAN!” I was determined to move forward full speed and damn the torpedoes! I was resolved to stick with this as long as we were achieving positive results. We’d give it a year and make an assessment after that as to whether to continue.LOGISTICS AND RESEARCHA big factor we didn’t consider, were the people in our life and whether they would support or interfere with this decision. We had to keep those who were unsupportive at bay. I was wise enough to understand, if we failed, we would have learned a valuable lesson and would be stronger from the experience. If we succeeded… all the better!The next thing I needed to address were the “physical logistics.” Where to set up the “classroom” and a comfortable workspace, while keeping “distractions” to a minimum. We opted to convert the master bedroom into a home office/classroom. It was spacious enough for both our needs. I could set up daily lessons and continue on my own work. Plus, I would be right there to give guidance and aid when it was needed. A perfect fit!With the initial concerns tackled, next was finding the right program. I conducted extensive research to see what was available. Wow! I had no idea there was so much information out there on home schooling and home school programs. So much so, that it was a bit overwhelming. I didn’t know which direction to head! I didn’t know anyone PERSONALLY that home schooled their children. In fact, many of my friends and family thought I was insane! Their valid concerns were about “socializing”. But it didn’t stop us, because it felt right and I was open to implementing extra curricular activities to cover the “social” aspect.I also contacted other families who had home school experience to get the pros and cons from their own journey. My internet research yielded all sorts of home school programs, including free and tuition programs, as well as Christian based curriculum programs. I had no idea there would be so much to choose from. I certainly had my work cut out for me!After I concluded my research, we decided to try out the K12 program to see if it was the right one for us. It is an “accredited” chartered public school that provides all the tools found in a traditional brick and mortar public school arena. Over the years, they provided us (since the first grade) with a computer, printer, textbooks and the tools for each subject (science, math, literature, spelling, history, art and yes even music!) When we received our first shipment, it was like Christmas! The support we continue to receive from the school is commendable AND because we had to relocate from Arizona to Nevada (for employment reasons) we did not have to change curriculum. K12 is available tuition free in both states! Needless to say… this was a great choice for us.. big time! My child excels in school, is a grade ahead of her peers and an honor roll student at the top of her class! </p> </div> <div class="postmetadata clearfix"> <p class="tags">Tags: <a href="https://fensxnd.info/tag/home-schooling/" rel="tag">Home Schooling</a></p> </div> <!-- --> </div> <div class="post-58 post type-post status-publish format-standard hentry category-uncategorized tag-adidas-clothing tag-apparel tag-cat-shirt tag-designer tag-hunting-clothes tag-jordan-clothing tag-mens-clothing tag-sports-clothes" id="post-58"><h1><a href="https://fensxnd.info/mens-fashion-in-revolution/" rel="bookmark" title="Permanent Link to Men’s Fashion in Revolution">Men’s Fashion in Revolution</a></h1> <small class="meta"> <span class="alignright"> </span> </small> <div class="entry"> <p> In the present age of fashion and style, everyone wants to look different from others. Whenever one talks about fashion, the picture of a woman comes in the mind. But in this present days, revolution has been wide that even men’s fashion statement has been stirred as well. They are considered to be more fashion conscious than men. However, a lot of changes have taken place in mens clothing industry. Men are now becoming fashion- oriented as women are. May it be old or young man, each and everyone of them wanted to follow the fad that is overflowing in the market. Men, just like women try to look fabulous and mythic in their wardrobes so they could satisfy their selves.The mens wear market has a lot to offer these days and the garment manufacturing companies are fighting hard to provide the latest fashion clothes for men. The youths and adults enjoy the unique and stylish garment items being introduced these days. Some of the very popular items are casual trousers with hip-hop looks, T-shirts with portraits of celebrities printed on them, cargo pants and many more.Moreover, mens fashion is no way any less important than women’s wear. Mens wear has come a long way since generations ago and nowadays are at par or even more design oriented than women’s in the global scenario. Everything relating to men have become trendy and fashionable, be it shoes, belts, leather accessories, jackets or mens suits. Mens clothing aims at making these men look sharp and distinct no matter what the occasion is all about. They should look spectacular at all times from dinner dates to job interviews to relaxing at the pub with friends. The dressing up for all occasions should be unique, stylish and tasteful that will leave a memorable impression with every individual they come contact with.Nevertheless, whatever the type of fashion a man would choose, what is much more important is his over- all character as a human being that is commendable in the society not just of his outside looks above all with his good deeds. </p> </div> <div class="postmetadata clearfix"> <p class="tags">Tags: <a href="https://fensxnd.info/tag/adidas-clothing/" rel="tag">adidas clothing</a> <a href="https://fensxnd.info/tag/apparel/" rel="tag">apparel</a> <a href="https://fensxnd.info/tag/cat-shirt/" rel="tag">cat shirt</a> <a href="https://fensxnd.info/tag/designer/" rel="tag">designer</a> <a href="https://fensxnd.info/tag/hunting-clothes/" rel="tag">hunting clothes</a> <a href="https://fensxnd.info/tag/jordan-clothing/" rel="tag">jordan clothing</a> <a href="https://fensxnd.info/tag/mens-clothing/" rel="tag">mens clothing</a> <a href="https://fensxnd.info/tag/sports-clothes/" rel="tag">sports clothes</a></p> </div> <!-- --> </div> <div class="post-56 post type-post status-publish format-standard hentry category-uncategorized tag-beauty tag-cosmetics tag-face-care tag-face-products tag-serum tag-skin tag-skin-tonic tag-skincare tag-treatment" id="post-56"><h1><a href="https://fensxnd.info/your-ultimate-guide-to-the-best-skin-care-for-men-4-secret-ingredients-revealed/" rel="bookmark" title="Permanent Link to Your Ultimate Guide to the Best Skin Care For Men – 4 Secret Ingredients Revealed">Your Ultimate Guide to the Best Skin Care For Men – 4 Secret Ingredients Revealed</a></h1> <small class="meta"> <span class="alignright"> </span> </small> <div class="entry"> <p> Skin care for men is as important as skin care for women. This is a fact that is widely being accepted these days. This article shall give you the clear ideas on what to look out for in men skin care products that is specifically needed for men and their skin care needs.Traditionally, skin care products have always been designed keeping the women and their needs in mind. The creams and lotions had been formulated keeping the women in mind, packaged for women and even had fragrance that was more feminine oriented.Men skin care had been an ignored lot. But, men also need special skin care. Fortunately, some skin care manufacturers have designed products specifically for men. But a majority of them have products that do not differentiate between the special needs of men skin care and women skin care products.Men are more sensitive towards inflammation of skin. Prostaglandin E2 (lipids or fatty cells) is found in greater levels in men then in woman. So, men skin care products should have special ingredients that counter this problem specifically. Inflammation if left unchecked, over time leads to a further breakdown of important structural proteins in the skin and causes premature skin aging.Cynergy TK is a natural ingredient that you must look for in men skin care products. It plays amazing role in soothing skin inflammation by blocking PGE2 production, which is the major biochemical pathway leading to inflammation and redness in the skin.Eyeliss TM and Haloxyl TM are two natural ingredients that work amazingly for dark circles and puffy skin that makes men look much older than they are. They are the best for curing wrinkles beneath the eyes very quickly and effectively. In fact, they are used in the elite creams that are used by the Hollywood stars and supermodels to maintain their young and attractive looks.Although, there are many differences in the skin type of men and women, there are also a couple of similarities. This is because the causes of skin aging are almost the same – whether it is men or women.Both men and women lose collagen in their skin as they age. This makes their skin lose its elasticity and suppleness over time. This also causes wrinkles and fine lines. So, some ingredients are commonly used both for skin care for men products as well as women skin care.Functional keratin is a wonderful solution to this problem of skin aging. It is available in Cynergy TK which is natural ingredient pioneered and developed in New Zealand. It plays a key structural role in skin health and makes it soft, supple, firm and young looking.It is a scientific fact that skin cells require nutrients in the form of vitamins, calcium, minerals and also antioxidants in order to stay healthy and maintain their moisture balance.Phytessence Wakame is an extract of a special Japanese sea kelp that is used in the best skin care for men as well as women products. It is one of the best kept Japanese anti aging and Skin rejuvenation secrets.It is rich in minerals, vitamins, calcium (its calcium content is 15 times greater than milk) and antioxidants. It works like magic in improving skin moisture retention and elasticity. It gives a smooth, velvety, young and radiant skin.Skin care for men has come far from the old days. Now, men do not have to live with wrinkled and saggy skin. They do not have to weather the signs of old age anymore. They can also have a healthy and vibrant skin that only good looking women enjoyed for many years. </p> </div> <div class="postmetadata clearfix"> <p class="tags">Tags: <a href="https://fensxnd.info/tag/beauty/" rel="tag">beauty</a> <a href="https://fensxnd.info/tag/cosmetics/" rel="tag">cosmetics</a> <a href="https://fensxnd.info/tag/face-care/" rel="tag">face care</a> <a href="https://fensxnd.info/tag/face-products/" rel="tag">face products</a> <a href="https://fensxnd.info/tag/serum/" rel="tag">serum</a> <a href="https://fensxnd.info/tag/skin/" rel="tag">skin</a> <a href="https://fensxnd.info/tag/skin-tonic/" rel="tag">skin tonic</a> <a href="https://fensxnd.info/tag/skincare/" rel="tag">skincare</a> <a href="https://fensxnd.info/tag/treatment/" rel="tag">treatment</a></p> </div> <!-- --> </div> <div class="post-54 post type-post status-publish format-standard hentry category-uncategorized tag-accounting tag-business tag-companies tag-google tag-near-me tag-offices tag-restaurant tag-sale tag-services" id="post-54"><h1><a href="https://fensxnd.info/stop-client-dissatisfaction-and-grow-your-business/" rel="bookmark" title="Permanent Link to Stop Client Dissatisfaction and Grow Your Business">Stop Client Dissatisfaction and Grow Your Business</a></h1> <small class="meta"> <span class="alignright"> </span> </small> <div class="entry"> <p> For the past several months we have been surveying advisors about their marketing programs. When we ask them which marketing tools they use, it amazes us that only about 21% use a client newsletter.At a recent conference for financial advisors, we heard from several elite advisors on the subject: One said, “I had an existing client transfer an additional $700,000 IRA account to me after reading an article in my newsletter this spring about the charitable IRA strategy allowed by the Pension Protection Act.”Another said, “We have a top prospect who received our monthly newsletter for almost 18 months before they moved their accounts to us.”We heard from another advisor, “I started with about 100 newsletters a month and now I’m up to over 250. It’s my primary means of marketing. I am averaging over 3 new accounts a month and each new account is over $300,000.”So why don’t you do a newsletter?They don’t work. It’s too hard. I can’t write. I never got around to it. We’ve heard them all. Let’s look at just a couple of reasons why you should make newsletters a core part of your marketing and how you can easily add a newsletter to your marketing without multiplying your staff.1. Clients are dissatisfied.31% of financial advisors believe that their clients are extremely or very dissatisfied with them. 40% of wealthy respondents reported some level of dissatisfaction because their advisor was not proactively maintaining contact and 11% stated that their advisors were difficult to reach.(Phoenix Wealth Management Survey, August 2002, Net worth of $1M+ excluding debt and primary residence; Financial advisors who manage at least $50 million of assets and have 10+ years experience)For advisors intent on improving their showing in this realm, excellent client service appears to begin with a high level of client contact. As a snapshot of the industry standard today, and perhaps an indication of where there is the most room for improvement, nearly half of high net worth investors claimed to be either somewhat or fully dissatisfied with the level of contact they have with their financial advisors. Only 55% of investors stated that they are somewhat or completely satisfied with the amount of contact they have with their primary financial advisors.Satisfied clients hear from their primary financial advisors on average more than 28 times per year, or better than twice per month. This contact can either be in person, over the telephone, or in personal correspondence through the mail or electronically. On the flip side, dissatisfied clients hear from their primary advisors less than 17 times per year.The most telling statistic about the vital importance of client contact is that advisors’ income runs directly parallel with the amount of time they spend speaking or meeting with their clients. Advisors who spend two-thirds of their time with clients have an average income of $160,000 annually. Those who spend between one and two-thirds of their time with clients average $50,000 and those who spend less than one-third of their time with clients average only $30,000.(Tiburon Strategic June 3, 2005)2. Position yourself to KO the competition.Largely due to these rates of dissatisfaction, nearly half of investors have given recent consideration to changing their primary financial advisors. Specifically, 43% of investors responded that they had recently considered a change, whereas 57% stated they had not been considering a change in the near future.(Tiburon June 3, 2005)The landscape is covered with competition. How do you stand out and attract the kind of ideal clients that will make your business thrive? Give the customer what they are looking for. It ain’t rocket science. Clients today are looking for answers. They are smothered with retirement, IRA, estate planning, long-term care planning, college funding and tax issues. This morning your best prospect woke up and wanted an answer to his problems and not a financial product. Give them what they want. You need to be a problem solver. You need to position yourself as the leading expert in your target market. Step One is to tell the audience how you can help them solve their challenges. Isn’t that the point of a good newsletter? It is relevant to the target market in terms of content and it educates them about their financial concerns while demonstrating your expertise in solving those problems. Voila – you are their problem solver.Newsletters made easy.If you are like most financial advisors you have two to three hundred clients in your book. You also know that if you want to make an impression you need to have a consistent process for delivering the newsletter. Finally, you need to make sure the newsletter is getting read, the probability of which you can increase through branding so your clients know the newsletter is from a trusted source. And finally, you need to make a personal connection, so you’d better make sure it’s personally addressed. Oh, did I mention you’ll need to have 3 or 4 articles a month for your newsletter.Before you hit the panic button, there is a solution – BuildYourMarket.com [http://www.buildyourmarket.com] can handle all of this for you. Every month, they create a professionally designed and written 4 color newsletter with content that speaks to boomers and seniors. Each newsletter has a personal message from you addressed to the client or prospect.In case you’re thinking, I’d like to write something about what’s going on in our business, the answer is yes, you can customize as little or as much of the content as you desire.Now what’s your excuse? </p> </div> <div class="postmetadata clearfix"> <p class="tags">Tags: <a href="https://fensxnd.info/tag/accounting/" rel="tag">accounting</a> <a href="https://fensxnd.info/tag/business/" rel="tag">Business</a> <a href="https://fensxnd.info/tag/companies/" rel="tag">companies</a> <a href="https://fensxnd.info/tag/google/" rel="tag">google</a> <a href="https://fensxnd.info/tag/near-me/" rel="tag">near me</a> <a href="https://fensxnd.info/tag/offices/" rel="tag">offices</a> <a href="https://fensxnd.info/tag/restaurant/" rel="tag">restaurant</a> <a href="https://fensxnd.info/tag/sale/" rel="tag">sale</a> <a href="https://fensxnd.info/tag/services/" rel="tag">services</a></p> </div> <!-- --> </div> <div class="post-51 post type-post status-publish format-standard hentry category-uncategorized" id="post-51"><h1><a href="https://fensxnd.info/become-a-certified-pharmacy-technician/" rel="bookmark" title="Permanent Link to Become a Certified Pharmacy Technician">Become a Certified Pharmacy Technician</a></h1> <small class="meta"> <span class="alignright"> </span> </small> <div class="entry"> <p> When you finish your pharmacy technician course, you would still need to go through one more step before you can work as one. You need to become a certified pharmacy technician, often abbreviated as CPhT. The PTCB exam is given three times every year for those who want to aspire to be full pledged pharmacy techs. Only a few states in America require pharmacy techs to get certified but it pays to undergo the exam in case you get a job elsewhere that will require you to be a certified pharmacy technician. You will realize that many employers prefer certified pharmacy technicians over non certified ones because they possess official recognition that they are qualified to do the job.The purpose of the exam is to make sure that anyone who will be pursuing a career in pharmacy technology will have the basic knowledge required in this field. The exam will also make sure that you have the foundation as well as the proper training in order to meet the daily requirements of the job. The exam tackles the core knowledge and skills that are expected from a good pharmacy technician. The certification exam also is a regulatory procedure by the government to make sure that the health professionals who give health care to the patients all around the country are all qualified to do so. It ensures the safety of the citizens of the country.There are a few requirements before taking the certification exam for pharmacy techs. First, you must possess a high school diploma, GED or its equivalent if you are from another country, and you must be clear of any drug related cases in the FBI, or its foreign equivalent. Furthermore, you must no be under any form of limitation from any State Board of Pharmacy.If you have satisfied the prerequisites above, then you are eligible to take the exam. You need to pass the PTCB exam to be able to be awarded the pharmacy technician certification status. It is best that you review your past courses in your pharmacy technician programs and concentrate on getting the basics and foundation memorized by heart. This is a very important exam that can be the start of your career.Certifications are renewed every two years. For each recertification that a pharmacy technician undergoes, there is a required 20 hours of further education within the two year period prior to the certification exam day. This means that the candidate must be able to take refresher courses from the desired college, organization, associations or pharmacy technician programs, with at least one hour pertaining to pharmacy law. Ten of the 20 hour requirement can also be earned under direct supervision of a pharmacist. The continuing education requirement is a great opportunity for the candidate to refresh his memory about the core knowledge and skills needed by a pharmacy technician and it is also a chance to be updated with the developments in the field.The Pharmacy Technician Certification Board exam will be taken using a computer and not a paper and pen, as it was previously administered a few decades ago. It has 90 multiple choice questions that cover the basics in pharmacy technology such as assisting pharmacists in providing service to various patients,maintenance of medication and systems that concern inventory control, and role and participation in the administration and management of good pharmacy practice. These are the topics that the Board feels are essential to having a well rounded pharmacy technician who is fit to serve the vast group of patients all over the United States of America. </p> </div> <div class="postmetadata clearfix"> </div> <!-- --> </div> <div class="post-49 post type-post status-publish format-standard hentry category-uncategorized" id="post-49"><h1><a href="https://fensxnd.info/nutritional-health-supplements-how-i-was-wrong-about-them/" rel="bookmark" title="Permanent Link to Nutritional Health Supplements – How I Was Wrong About Them">Nutritional Health Supplements – How I Was Wrong About Them</a></h1> <small class="meta"> <span class="alignright"> </span> </small> <div class="entry"> <p> It was my opinion that everybody gets enough nutrients in their diets and that nutritional health supplements were a waste of money. Having played competitive sports for many years, my belief was that women’s or men’s health supplements are only for athletes or body builders. I was wrong! The health benefits of supplements are for everybody and anybody who lead busy, stressful lives. Physically active or inactive, healthy or unhealthy we can all benefit from an herbal nutritional supplement or natural vitamin supplements. I learned this the hard way through personal experience.I had not realized that proper nutrition can be difficult to achieve for many people. Healthy living is difficult when most people do not get enough nutrients in their diet. For example, many cannot get the recommended daily allowance of fruit and vegetables each day. Forgetting nutritional supplementation is no longer an option if we want total nutrition. Unfortunately, the problem is bigger than I thought when you consider all the factors that come into play;Many fresh foods are no longer meeting their optimal nutritional potential. In many cases they are grown in soil that has been farmed excessively and are picked before their prime so they do not over ripen during transportation to market.<br />Vitamins and minerals may be lost during storage, preparation and cooking.</p><p> The purchasing and eating of less nutritious processed foods is common for many who do not have to shop and prepare meals from ‘scratch’.</p><p> During the busy week when we do cook, our meals may not be varied enough to offer a variety of nutrients.</p><p> We may not change our diet when we need to with age. As we age we need different nutritional supplementation as we digest and absorb certain vitamins and minerals differently.</p><p> Some nutrients are simply hard to obtain. For example, the Essential Fatty Acids (EFAs) available in Salmon oil capsules.</p><p> In general, there is a lack of education on nutritional health supplements, healthy food options and cooking.</p><p>In my particular case my wife was more at risk. Although, we did eat healthy meals we were not aware of the health benefits of supplements. Unfortunately, we were also dealing with a lot of stress at the time. Stress plays a large role in what nutrients you are using and absorbing in addition to the fact that the ‘knot-in-her stomach’ was inhibiting her appetite. Many women are more in need of herbal nutritional supplements or natural vitamin supplements simply because they consume fewer calories than men.As a result this lead to higher levels of stress and fatigue. Weak, she was prone to illness and mood swings. Hair loss, poor skin complexion and digestive system problems followed. It was a vicious circle leading to more stress and fatigue. It took a this extreme situation for us to realize the need for supplements for general health. A necessary solution for many to meet their daily nutritional needs is simply nutritional supplements whether its women’s health supplements or multi-vitamins, herbal nutritional supplements or natural vitamin supplements. The benefits are obvious;<br />Improved energy</p><p> Reduced frequency of mood swings</p><p> Less prone to fatigue and depression</p><p> More resilient to stress and illness.</p><p> Better overall health as we feel better mentally and physically.<br />Based upon my wife’s fatigue and illness, we had waited too long and she was in need of a nutritionist. In addition to joining a gym (which helped her appetite) my wife was recommended to take a few key women’s health supplements;<br />Salmon oil capsules because of the benefits of the Omega 3 Essential Fatty Acids. General good health, improves brain function even reduces the symptoms of PMS. It has also been shown to help anger, depression and stress.</p><p> A digestive health supplement; as we age and enter different stages of life our nutritional needs also change. Digestive health supplements may be required as our ability to digest certain foods changes with age. Some vitamins and minerals may be consumed very quickly others may not be absorbed into the body as readily. Lactose and gluten (found in wheat products) may be more difficult for our body to process as we age.</p><p> Multi-vitamins or a targeted multi-nutritional kit to promote general health with women’s specific needs in mind.<br />All these nutritional supplements were easy to find and even available on-line which works well with her busy schedule.My wife’s situation was an excellent example of how women are susceptible to the effects of poor nutrition. She has demonstrated the benefits of total nutrition via nutritional supplements and a healthy diet. Today, she is healthy and living a physically active lifestyle. I am grateful that she is such a wonderful role model to our daughters and others who may also be in need of nutritional health supplements and a better, balanced life.For more information on nutritional supplements, general nutrition, physical activity and stress management please visit www.bamboohealthproducts.com </p> </div> <div class="postmetadata clearfix"> </div> <!-- --> </div> <div class="pagination navigation clearfix"> <div class="alignleft"><a href="https://fensxnd.info/page/2/" >« Older Entries</a></div> <div class="alignright"></div> </div> </div><!-- #content --> </div><!-- #container --> <div id="sidebar"> <ul class="sb-list clearfix"> <li id="recent-posts-2" class="widget widget_recent_entries"> <div class="sb-title widgettitle">Recent Posts</div> <ul> <li><a href="https://fensxnd.info/things-to-be-considered-while-a-choosing-payday-loan/" title="Things to Be Considered While a Choosing Payday Loan">Things to Be Considered While a Choosing Payday Loan</a></li> <li><a href="https://fensxnd.info/the-formula-for-successful-market-programs-finally-revealed/" title="The Formula for Successful Market Programs – Finally Revealed">The Formula for Successful Market Programs – Finally Revealed</a></li> <li><a href="https://fensxnd.info/first-line-manager-understanding-vested-interest/" title="First Line Manager: Understanding Vested Interest">First Line Manager: Understanding Vested Interest</a></li> <li><a href="https://fensxnd.info/tips-to-reduce-the-cost-of-multi-age-home-schooling/" title="Tips To Reduce The Cost Of Multi-Age Home Schooling">Tips To Reduce The Cost Of Multi-Age Home Schooling</a></li> <li><a href="https://fensxnd.info/finding-the-right-home-school-program/" title="Finding The Right Home School Program">Finding The Right Home School Program</a></li> </ul> </li><li id="execphp-3" class="widget widget_execphp"><div class="sb-title widgettitle">Partner Links</div> <div class="execphpwidget"></div> </li><li id="archives-3" class="widget widget_archive"><div class="sb-title widgettitle">Archives</div> <ul> <li><a href='https://fensxnd.info/2023/07/' title='July 2023'>July 2023</a></li> <li><a href='https://fensxnd.info/2023/03/' title='March 2023'>March 2023</a></li> <li><a href='https://fensxnd.info/2023/02/' title='February 2023'>February 2023</a></li> <li><a href='https://fensxnd.info/2023/01/' title='January 2023'>January 2023</a></li> <li><a href='https://fensxnd.info/2022/10/' title='October 2022'>October 2022</a></li> <li><a href='https://fensxnd.info/2022/09/' title='September 2022'>September 2022</a></li> <li><a href='https://fensxnd.info/2021/05/' title='May 2021'>May 2021</a></li> <li><a href='https://fensxnd.info/2020/12/' title='December 2020'>December 2020</a></li> <li><a href='https://fensxnd.info/2020/11/' title='November 2020'>November 2020</a></li> </ul></li> </div> <!-- #sidebar --><!-- wmm d --></div> <!-- #main --> <div id="footer" class="clearfix"><p class="alignright"> <a href="#home" class="top-link">Back to Top</a></p> <p> © 2024 <a href="https://fensxnd.info/" title="fensxnd.info">fensxnd.info</a> - All rights reserved </p> </div> </body></html>
