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<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" > <channel> <title>anaoams.info</title> <atom:link href="http://anaoams.info/feed" rel="self" type="application/rss+xml" /> <link>https://anaoams.info</link> <description></description> <lastBuildDate>Sun, 24 Dec 2023 01:39:51 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.1.3</generator> <item> <title>Investing in Dividends Paying Companies – A Complete Guide to What You Need to Start</title> <link>https://anaoams.info/investing-in-dividends-paying-companies-a-complete-guide-to-what-you-need-to-start,html</link> <comments>https://anaoams.info/investing-in-dividends-paying-companies-a-complete-guide-to-what-you-need-to-start,html#comments</comments> <pubDate>Tue, 18 Apr 2023 12:03:18 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Investment]]></category> <guid isPermaLink="false">http://anaoams.info/?p=72</guid> <description><![CDATA[Listed below are the main things you need to know and prepare to start investing in the stock market for dividend income to achieve financial freedom.1. MoneyYou need money to invest in stocks. The question of how much investment you will put on the stock market largely depends on you and your savings as well. [...]]]></description> <content:encoded><![CDATA[<p> Listed below are the main things you need to know and prepare to start investing in the stock market for dividend income to achieve financial freedom.1. MoneyYou need money to invest in stocks. The question of how much investment you will put on the stock market largely depends on you and your savings as well. You don’t have to put all your money into the venture. Be reminded that although stock investing is profitable. Before deciding how much money you can invest, you need to do some calculations.Prior to investing, it’s best to make sure your finances are secure. Though, there are great opportunities to profit through investing for dividend income, the stock market may not be suitable for you. If you have too many monthly bills or too much debt, you must wait before you start to invest in the stock market. As the market will always move up and down, it is better to pay down your debt, especially credit card debts. Once you have a positive monthly cash flow and six to twelve months emergency funds, you can to invest your money in the dividend paying stocks. You will be on your financial freedom.To calculate cash available for investing1.1. List all of your liquid (cash-like) assets: cash deposits in bank accounts, stocks, bonds, etc.1.2. Add your monthly income including interest (average one year’s by dividing the amount by twelve) you will receive over the year the year.1.3. Add your monthly cash outflows; this includes monthly expenses and any loan repayments you need to make. Average your yearly payments such as insurance and children’s’ school fees (if any) by dividing this amount by twelve.1.4. Take step 2 and deduct step 3. If you have a negative cash flow, then you will to make a budget to control your cash out flow and strictly follow this to save money for investments. If the amount is positive, then you are ready to start investing. Remember, you must save some amount for emergency expenses.<br />Congratulations, you are ready to start in dividend paying companies to achieve financial freedom.2. Investment GoalsAfter you have saved money for emergency funds, must set a target you want to achieve from your investments. This target will be achieved through income from dividends and reinvesting the dividends. You must have a long term perspective for your portfolio. Long term is at least 3 years or longer. Why 3 years or longer? Because, only in the long run will the dividend compound enough to make sense for long term investing. Also, if the company keeps in paying dividend and increasing the dividend amount over time, then capital gain is very likely.3. Investment strategyAs investing in dividend paying companies is the easiest strategy, you must develop a plan on how to invest for dividends. Remember that market ups and downs can cause you to doubt your strategy. You must be confident of your strategy and continue investing. You must have researched your choice of companies to invest stocks. You must have a strategy on when to buy and sell.4. Researching the Right Companies for Dividend IncomeYou’ll need to focus on investing in companies which pay dividends consistently. Look for companies which have consistently performed well over the past several years. Of importance are companies who did not cut dividends, even better if they increased dividends during the economic downturn. These companies have long-term potential to help you achieve financial freedom through income from dividends. Of more importance is whether these companies can continue their fantastic performance, is their business model long lasting? You must also check if the management is investing more into their own company. If they are, then these are a sign that the management is behaving like owners and are sure of the long term prospects of the company. If management is sure of the company, then you dividends are likely to continue for a long time. Long term dividends leads to financial freedom and you do not to keep buying and selling stocks.5. DiversificationDiversifying your investments is extremely important. You can diversify your investment in many different types of assets, such as real estate for rent, dividend income investing and bonds to name a few. The easiest investment is in dividend paying companies in the stock market as the market is very liquid and information is easily available for you to analyze. Even while investing in dividend paying companies you must diversify your portfolio. This helps to protect your capital.6. What’s your risk tolerance level?You must understand your. You must know your risk tolerance level. Investing has many upturns and downturn. If you lose sleep after investing any money, then your risk tolerance is very low. That is exactly the reason you must invest in dividend paying companies as dividends help you to earn income during upturns and downturns of the market. You will be able to sleep well.7. Educate yourselfIt is extremely important you educate yourself regarding investing in dividend paying companies. You can take seminars or read books by various gurus to learn from the masters or invest in online courses. You must also read business newspapers and magazines regularly. Educating yourself will help you believe in the choices you make and this will lead you to make investment decisions. Once you are educated you do not have listen to others. You will achieve financial freedom on your own.8. BrokerA stock broker is required to help you buy and sell stocks. Choose a broker wisely so that you can maximize your investing profits. Different brokers have different charges for helping you to buy and sell stocks on the exchange. There are full service brokers who for those who need more details before investing. Discount brokers charge cheaper rates; however, they do not give any advice. After you learn how to invest and are confident in choosing the right dividend paying companies, the wiser choice will be to use discount brokers enabling you to save money, thereby giving more money to invest for your financial freedom.In conclusion, investing for dividends is a long term process. Getting dividends and reinvesting dividends will make you financially free. Instant wealth is not part of this process. Any person who has got instant wealth will normally lose the wealth as they do not know what to do with the wealth. Very few people become multi millionaires from the stock market, if it was easy very body in this world would be a multimillionaire. The idea of investing the stock market for income from dividends is to become financially free so you can live the life you desire. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://anaoams.info/investing-in-dividends-paying-companies-a-complete-guide-to-what-you-need-to-start,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Re-Engineering Healthcare</title> <link>https://anaoams.info/re-engineering-healthcare,html</link> <comments>https://anaoams.info/re-engineering-healthcare,html#comments</comments> <pubDate>Tue, 18 Apr 2023 06:05:58 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Healthcare]]></category> <guid isPermaLink="false">http://anaoams.info/?p=70</guid> <description><![CDATA[Early December, 2010 I was contacted by Mr. Stephen Will of The Hendra Agency in New York, New York. Mr. Will had read one of my articles online concerning Lean Healthcare. The Hendra Agency represented Jim Champy, co-author of Reengineering Health Care, A Manifesto for Radically Rethinking Health Care Delivery. Mr. Will proposed that I [...]]]></description> <content:encoded><![CDATA[<p> Early December, 2010 I was contacted by Mr. Stephen Will of The Hendra Agency in New York, New York. Mr. Will had read one of my articles online concerning Lean Healthcare. The Hendra Agency represented Jim Champy, co-author of Reengineering Health Care, A Manifesto for Radically Rethinking Health Care Delivery. Mr. Will proposed that I chat with Mr. Champy, since we seemed to have many of the same interests. I agreed and on January 5 Mr. Champy and I discussed our mutual concerns about health care. Following are some excerpts from that discussion as well as a review of some of the material in his book.December 21, 2010 Laura Landro, healthcare columnist for the Wall Street Journal, recommended Reengineering Health Care written by Jim Champy and Harry Greenspun, M.D., as one of two must-reads for healthcare executives. The other was Transforming Health Care: Virginia Mason Medical Center’s Pursuit of the Perfect Patient Experience. Both books advocated focusing on the quality and safety of patient care. Both books recommended major changes in the way patient care is delivered.In my discussion with Jim Champy I asked if his approach to changing healthcare was similar to the Toyota Production System (Lean Healthcare) and if so, what was the difference (I found his recommended approaches quite similar to the TPS when I read the book). He stated that the approaches he illustrated in the book were quite similar to the TPS but that the difference was that he advocated such dramatic changes in a shorter time frame. The TPS can take 4 or 5 years to significantly change the culture and processes at a healthcare site. According to Mr. Champy, such a gradual approach is too long given the inefficiencies, costs and safety and quality issues plaguing healthcare today. He supports reengineering healthcare in a much shorter time frame.Mr. Champy in our discussion and in his book advocated that clinicians lead the change at healthcare sites. In order to meet the time frame he advocates change must be directed by clinicians and senior executives. One of the early chapters of the book illustrates this approach by detailing the changes Zeev Neuwirth, M.D., brought about in his career. Dr. Neuwirth early in his career instituted significant changes in patient care in the Bronx Veterans Administration hospital. He spent his time there improving the patient experience by focusing on communication and team building.Another section of the book focuses on the lifetime work of Debra Geihsler, who was at different times VP of Mercy Health System in Wisconsin, president of the Advocate Medical Group in Illinois, and CEO of Atrius Health in Boston. Ms. Geihsler focused in much of her work on building the capacities of physician groups. At Mercy she helped build a unified system that provided services on many levels, just short of in-patient hospitalization. The seamless integration of services provided much better communication among the multiple providers in the system, improving both the quality and safety of care delivered while significantly improving the bottom line.Jim Champy in his comments to me said he wrote this book with an eye to readability and easy application. There are many books that give significant details, charts and graphs about improving the delivery of healthcare. He wanted to avoid being too technical, making the book an easier read for executives and laymen. Thus, he focused on real stories about individuals who have made significant changes in the way that care is delivered. He focuses on three main elements of change in the book-technology, processes and people. Technology provides significant opportunities for improved communication and viewing change at the population level, to see the progress of change. Significant change cannot occur without viewing the delivery of care as a process. Making these elements work requires commitment by individuals who have the means to carry out the change.I asked Mr. Champy how he approached overcoming barriers to change. Physicians and other clinicians who have been in the system for some time are often reluctant to endorse changes and, thus, can significantly impede progress. He stated that he would take such individuals to “come and see” the positive changes that have already occurred. In the book, he says it is often easier to start changes with clinicians who have not been in the system too long. They are more eager to welcome changes in the environment. Starting with the younger clinicians, those who are directing the changes should after achieving significant gains, take those who are resistant and demonstrate how the new ways of delivering care have improved quality and safety and that those involved are happy with the achievements and their efforts in making the changes. The resistant clinicians are usually willing to go along with the changes after seeing such positive outcomes. After all, says Mr. Champy, most physicians and clinicians really want to deliver very effective care to their patients but do not understand how to make the changes necessary to deliver ever better care.I asked Mr Champy what one additional chapter he would like to add to the book if he could. He said that he would like to add some additional focus on the continuum of care, such as advocated by Debra Geihsler. The medical care that he receives is coordinated by his primary care physician. He feels much better that the care he receives is not fragmented but is overseen by his personal physician. He believes that the best care is based upon this patient-centered medical home model.I highly recommend this book for organizations that want to significantly improve the care that they deliver and want to understand quickly good ways to effect the changes necessary. The book is a quick read and effectively describes for those who will be directing changes at their site what is necessary to accomplish their goals. The book does not say the path is smooth and easy but that change can be effected through individuals who are dedicated and knowledgeable. </p>]]></content:encoded> <wfw:commentRss>https://anaoams.info/re-engineering-healthcare,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Healthcare IT Solutions – Multiple Advantages</title> <link>https://anaoams.info/healthcare-it-solutions-multiple-advantages,html</link> <comments>https://anaoams.info/healthcare-it-solutions-multiple-advantages,html#comments</comments> <pubDate>Mon, 17 Apr 2023 20:41:10 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Healthcare]]></category> <guid isPermaLink="false">http://anaoams.info/?p=67</guid> <description><![CDATA[The healthcare industry is under rapid transformation, the old belief that technology has nothing to do in the healthcare industry is dying. As like any other field, information technology has also found its application in the healthcare industry. Healthcare IT solutions are providing multiple benefits by not only speeding up the process but always by [...]]]></description> <content:encoded><![CDATA[<p> The healthcare industry is under rapid transformation, the old belief that technology has nothing to do in the healthcare industry is dying. As like any other field, information technology has also found its application in the healthcare industry. Healthcare IT solutions are providing multiple benefits by not only speeding up the process but always by improving quality of service and patient safety. IT is often believed that the healthcare IT solutions are mainly for the benefit of healthcare professionals and hospitals. Healthcare IT systems only save time, money and ultimately add to the “returns” of the practice. However, the truth is something different, healthcare IT systems are equally beneficial to the patients as well.Quality of healthcare service has always been a concern all across the healthcare industry. Patients have always been worried about the availability of the quality of service. If we go with recent studies, medical negligence in some form has become the third highest cause of death in the United States. This is something very serious and alarming… healthcare IT solutions are providing new hopes in bringing about improvement in the quality of healthcare service, thereby ensuring patient safety and life security.It is true that healthcare IT solutions will definitely save time and money for the healthcare professionals, which ultimately is going to add to the revenue of the practice. However, the bigger role that healthcare IT systems has to play is to put a control on medical errors. Healthcare IT systems like claims management software, billing software, practice management software and more are designed in a way to capture up-to-date patient information with a large number of functionality that can ensure improvement in the quality of healthcare service and patient safety.Management of healthcare practice is a complicated process; it involves a large number of tasks right from patient registration to recording patient history, diagnosis, treatment, lab tests, and claim submission and so on. The process is so lengthy that there are always chances of committing errors, which can ultimately prove to be very fatal for the patient. Often, incomplete patient history, wrong information or delays in the availability of the information at times of emergency are major reasons for medical negligence.Healthcare systems ensure quick and proper recording of patient data. The information is stored in a scientific manner, making it more meaningful for the healthcare professionals. The information is not static in nature, however, a number of advanced functionality ensure processing of data into some meaningful information that can be utilized in drawing the line of treatment. All these capabilities of healthcare IT solutions result into improvement in the quality of healthcare service and patient safety. </p>]]></content:encoded> <wfw:commentRss>https://anaoams.info/healthcare-it-solutions-multiple-advantages,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Search Results</title> <link>https://anaoams.info/search-results,html</link> <comments>https://anaoams.info/search-results,html#comments</comments> <pubDate>Sat, 01 Apr 2023 17:31:45 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Financial services]]></category> <guid isPermaLink="false">http://anaoams.info/?p=65</guid> <description><![CDATA[#EANF#]]></description> <content:encoded><![CDATA[<p>#EANF#</p>]]></content:encoded> <wfw:commentRss>https://anaoams.info/search-results,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Elder Law Attorneys – Top Five Ways They Can Assist</title> <link>https://anaoams.info/elder-law-attorneys-top-five-ways-they-can-assist,html</link> <comments>https://anaoams.info/elder-law-attorneys-top-five-ways-they-can-assist,html#comments</comments> <pubDate>Sat, 01 Apr 2023 06:29:52 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Elder Law]]></category> <guid isPermaLink="false">http://anaoams.info/?p=63</guid> <description><![CDATA[Elder law attorneys address the legal issues that arise as a consequence of the aging process. Elder law is a rather large umbrella and covers the areas that are most practical to the problems that seniors face. Here are the top five ways that these lawyers can assist the elderly:- 1. Elder Financial Abuse. These [...]]]></description> <content:encoded><![CDATA[<p> Elder law attorneys address the legal issues that arise as a consequence of the aging process. Elder law is a rather large umbrella and covers the areas that are most practical to the problems that seniors face. Here are the top five ways that these lawyers can assist the elderly:- 1. Elder Financial Abuse. These are cases where financial predators use undue influence, manipulation and coercion to take property and money from elders who have diminished mental capacity. The perpetrators can by anybody, but are usually family members, caregivers or friends who have the most access to the elder and are least likely to be challenged by outsiders.- 2. Nursing Home Abuse. Abuse or neglect of a nursing home patient generally results from inadequate staffing where there are too many patients and not enough nursing assistants. Sometimes, this is a conscious policy on the part of the nursing home owner who puts corporate profit ahead of patient care. Fortunately, there are many legal remedies available to stop these wrongful acts and to compensate the elderly victim for injuries suffered.- 3. Conservatorships. When an elder is no longer able to make sound financial and healthcare decisions, and no other alternatives are available, then a request can be made for the court to establish a conservatorship and appoint someone to have the legal authority to make such decisions. This is an involved process but provides a solution to assist an elder who can no longer protect them self.- 4. Estate Planning. “Living trusts”, powers of attorney for financial and healthcare decisions, and wills are the primary documents that constitute a person’s estate plan. These written instructions assist the elderly client both during their lifetime and afterwards. A proper estate plan can also avoid the need to establish a conservatorship if the elder becomes unable to make sound decisions. These documents grant all of the legal authority needed to carry on the elder’s affairs – without having to seek court involvement.- 5. Medi-Cal Planning. This term applies to California residents and involves the process of obtaining Medi-Cal benefits to pay the sky-rocketing costs of long term care in a skilled nursing facility. Planning involves three stages: (1) Thorough analysis of the client’s financial status to develop a written strategy to obtain eligibility, reduce any share of cost, and avoid recovery claims; (2) Execution of the written strategy; and (3) Completion of the application process. Medi-Cal law is complicated and requires a lawyer experienced in the nuances of the various rules and regulations.There are many other sub-fields that fall under the elder law umbrella. Each has its own peculiar application and importance as a piece of the elder law puzzle. This brief article has addressed only the top five ways that elder law attorneys can assist their clients. </p>]]></content:encoded> <wfw:commentRss>https://anaoams.info/elder-law-attorneys-top-five-ways-they-can-assist,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Successful Design Management for the 6 Stages of Design of Infrastructure and Building Projects</title> <link>https://anaoams.info/successful-design-management-for-the-6-stages-of-design-of-infrastructure-and-building-projects,html</link> <comments>https://anaoams.info/successful-design-management-for-the-6-stages-of-design-of-infrastructure-and-building-projects,html#comments</comments> <pubDate>Fri, 31 Mar 2023 20:29:27 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Management]]></category> <guid isPermaLink="false">http://anaoams.info/?p=61</guid> <description><![CDATA[Design ManagementDesign Management seeks to establish project management practices that are primarily focused on enhancing the design process. For Infrastructure and Building projects the successful implementation of Design Management throughout the entire Project Life Cycle can represent the difference between a superior outcome for the project in terms of Quality, Timing, Cost and Value or [...]]]></description> <content:encoded><![CDATA[<p> Design ManagementDesign Management seeks to establish project management practices that are primarily focused on enhancing the design process. For Infrastructure and Building projects the successful implementation of Design Management throughout the entire Project Life Cycle can represent the difference between a superior outcome for the project in terms of Quality, Timing, Cost and Value or failure, given the complexity of Infrastructure and Building projects in today’s environment.Design Management is however primarily focused on the Design Process within the project framework and as such is only a part of the overall Project Management of a project, albeit a critical part of the project.If you are going to be a successful Design Manager and achieve superior outcomes for both your clients and your own business, you cannot manage design haphazardly and expect consistent results. You must manage design projects by undertaking a proven stage by stage process. This brief article outlines those stage by stage processes and gives the Design Manager a guide to successfully design managing Infrastructure and Building projects. The Design Management role is considered in this article in the context of an in-house or consultant client side Design Manager and not a Design Manager within the design team itself. It is also on the basis of a fully documented Design and Construct only contract.Stage 1: Early Design Management Involvement-Statement of NeedThe output for this stage will be a Design Report that will directly feed into the Client’s Statement of Need and overall Business Case.Early involvement to the Project Life Cycle is important but this may need to be reinforced with the Client to appreciate and understand the benefits this will provide. There are several key tasks during this stage:1.1 Obtaining and Assessing all the available key design InformationCollation of all available data and information<br />Visit the site<br />Review contract as related to design aspects<br />Review the level of the design that has been prepared to date<br />Evaluate information and highlight critical issues<br />Review findings with Client<br />Assess the team capability requirements and resourcing<br />Assess any spend on fees required at this stage<br />Engage consultant as required to provide required technical and project inputs to assist the preparation of the design report.1.2 Design Risk ReviewIdentify design risks and create a Design Risk Register<br />Identify any Safety in Design issues<br />Analyse and provide suggestions for risk mitigation for ongoing stages<br />1.3 Design Report Input to Statement of Need<br />Prepare draft of design report input into the Statement of Need report and review with Client<br />Prepare final Design Report component into the Statement of Need reportStage 2: Design Management during the Outline Design StageWith the Statement of Need or Business Case formally approved for the project to proceed, the next step is to get the Outline Design Stage going.This stage involves clearly defining the Client requirements and project needs so as to form a sound foundation for the design process to proceed and is the right time to engage consultants and set up the formal Design Management process. The following are the key tasks in this stage:2.1 Define Client design requirements and project design needsGather all available and updated project data from the Client.<br />Identify any gaps in the information provided.<br />Meet with the Client to review the information provided and identify additional information required.<br />2.2 Engage Design Consultants<br />Engage all the key consultants that are required to develop the Functional Design Brief. It is critical that the consultant’s scope of work is clear for the level of input required and clearly noted in their Contract.2.3 Prepare Functional Design BriefManage and coordinate the consultant team to deliver the Functional Design Brief that will respond to and record all the client requirements and needs and form the basis to proceed for all disciplines.<br />The Functional Brief will generally be supported by Concept design sketches that provide an outline of the proposed design.2.4 Prepare the Design Management Plan (DMP)The DMP provides the roadmap for the way the design will be managed and needs to be prepared at this stage of the design process for best results. The DMP is a component of the Project Management Plan prepared by the Project Manager.The key Design headings in a DMP are as follows:Introduction<br />Project Overview<br />Objectives<br />Process and related procedures<br />Status<br />Documentation & Deliverables Schedule<br />Value Engineering<br />Reviews<br />Change Management<br />Independent Third Party Checks, Permits<br />Quality Management<br />Client Approvals<br />Close Out & As Built Record2.5 Outline Cost PlanManage and coordinate the development of the Outline Cost Plan with the Quantity Surveyor, with input from all the relevant consultants.2.6 Identify Design RisksIdentify Design Risks within the overall Risk Management framework.<br />Analyse and manage risks and update the Risk Register, design out risks where possible.<br />Ensure Safety in Design requirements are followed.2.7 Value ManagementArrange a Value Management workshop. Value Management is a systematic review of the essential functions or performance of a project to ensure that best value for money is achieved. It takes an overall view of the function of the project as well as capital and recurrent costs.<br />Prepare a Value Management Report and implement recommendations.2.8 Project ApprovalsOutline and define the planning approval process and coordinate with the design process requirements.Stage 3: Design Management during the Schematic Design StageWith the Outline Design Stage formally approved for the project to proceed to the next stage, the next step is to get the Schematic Design Stage going. This stage involves developing the design across all the disciplines in response to the approved Functional Design Brief. The following are the key tasks in this stage:3.1 Manage the Development of the SchematicDesignManage the team in developing the Schematic Design.<br />Monitor the compliance of the Schematic design with the Functional Design Brief.<br />Review Design Programme and coordinate with overall project programme.<br />Coordinate the development of the Schematic Design with the project procurement process.<br />Manage the preparation of the Schematic Design Report which contains drawings and outline specifications for all disciplines.3.2 Schematic Design Cost PlanManage and coordinate the development of the Schematic Cost Plan with the Quantity Surveyor, with input from all the relevant consultants.<br />Identify any major design decisions to the Quantity Surveyor that could influence cost.3.3 Identify Design RisksIdentify Design Risks within the overall Risk Management framework.<br />Analyse and manage risks and update the Risk Register, design out risks where possible.<br />Ensure Safety in Design requirements are followed.3.4 Value EngineeringArrange a Value Engineering Workshop, including external peer reviewers to negate any “built in” resistance to change and get a fresh perspective<br />Prepare a Value Engineering Report and present to the Client and implement approved Value Engineering recommendations within the Schematic Design Report or in the detailed design stage as appropriate.3.5 Project ApprovalsReview and update the planning approval process and coordinate with the design process requirements.<br />Manage the submission of any required Planning Approval Applications.3.6 Update the DMPReview and update the DMP as required catering for the current project circumstances.Stage 4: Design Management during the Detailed Design StageWith the Schematic Design Stage formally approved for the project to proceed to the next stage, the next step is to get the Detailed Design Stage going. This important stage involves developing the design to tender and construction across all the disciplines in response to the approved Schematic Design Report. The following are the key tasks in this stage:4.1 Manage the Development of the Detailed DesignManage the team in developing the Detailed Design ready for tender including as required coordination meetings between disciplines experiencing coordination difficulties and the exchange of progress design drawings and specification for proper inter-disciplinary coordination.<br />Manage changes and variations.<br />Monitor the compliance of the Detailed Design with the Schematic Design Report, Value Engineering recommendations and the Functional Design Brief.<br />Review Design Programme and coordinate with overall project programme<br />Coordinate the development of the Detailed Design with the project procurement process including early issue of documents to the Quantity Surveyor to start the Bill of Quantities. Any “shortcuts” in the deliverables to accommodate the tender programme need to be fully understood and agreed<br />Coordinate the inputs to the development of the Contract documents being prepared by the Project Manager<br />Consider the requirement for lead disciplines that are producing background and base drawings, such as architects on building projects, to complete these ahead of the supporting engineering disciplines, so as to allow the supporting disciplines adequate time to complete their dependent work. The team cannot realistically work effectively all in parallel to deliver all at the same time without some lag with the lead discipline. It also allows time for the lead consultant to review the documentation from the dependent disciplines. Allow adequate time in the design programme for this lag in completion and coordination.4.2 Detailed Design Cost Plan and Pre Tender EstimateManage and coordinate the development of the Detailed Cost Plan with the Quantity Surveyor, with input from all the relevant consultants.<br />Identify any major decisions to the Quantity Surveyor.<br />Prepare for the Pre Tender Estimate (PTE).<br />Take any required action if the PTE is in excess of the Detailed Design Cost Plan.4.3 Identify Design RisksIdentify any additional Design Risks within the overall Risk Management framework.<br />Analyse and manage any remaining risks and update the Risk Register, design out risks where possible<br />Ensure Safety in Design requirements are followed4.4 Peer Review and Value EngineeringArrange for the drawings and specifications that are being prepared for Bill of Quantities or that are at 90% completion to be issued for external Peer Review to review the “tender readiness” of the tender documents for each of the disciplines. This is also the time to review the consistency of the presentation of the documents across all disciplines and the adherences to project protocols such as title sheet formats, sheet sizes, drawing extents and overlaps, drawing scales, document numbering and revision notation.<br />As part of the Peer Review, Value Engineering of the detailing within the tender documentation should be undertaken at the same time to ensure the detailed design is the most efficient possible.<br />Manage the peer review responses and issue to the team to respond to the comments and incorporate the recommended and agreed comments or mark ups. Allow adequate time in the design programme for this important process.4.5 Project ApprovalsReview and update the planning approval process and coordinate with the design process requirements.<br />Manage the submission of any required Planning Approval Applications.<br />Obtain any required certification from the consultants.<br />Manage any required inputs to obtain the required Planning and Building approvals.4.6 Update the DMPReview and update the DMP as required to cater for the current project circumstances<br />4.7 Tender Readiness Report<br />Prepare Tender Readiness report to the Client recommending issue to tender including any project issues or risks and the PTE.Stage 5: Design Management during the Tender StageWith the Detailed Design Stage Tender Readiness Report formally approved for the project to proceed to Tender, the next step is to arrange the design documents to be issued for tender. The following are the key tasks in this stage:5.1 Prepare Design Documentation for TenderManage the team in delivering the documents as per the DMP at the required time in the required hardcopy and soft copy formats to the required locations.<br />Collate the required document transmittals.5.2 HousekeepingTake the opportunity to catch up with housekeeping of files on the server, in local drives and hardcopies.5.3 Tender Technical Queries and ClarificationsManage all incoming tender technical queries and clarifications during the tender period and arrange responses from any of the team where required.<br />Participate in any Tender clarification meetings with the contractor as requested by the Project Manager.5.4 AddendumsManage any design and documentation requirement for addendums that are required due to omissions from the Tender due to time constraints or from new Client requirements.5.5 Tender EvaluationManage all required technical tender review and evaluation inputs from the team to allow the tender to be evaluated from a technical perspective.<br />Where required prepare a technical evaluation report and deliver to the Project Manager.<br />Participate in any negotiation meetings where technical matters require further clarification and arrange appropriate technical inputs from team.5.6 Manage ConsultantsManage the finalisation of design related fees and any outstanding variations and claims.Stage 6: Design Management during the Construction StageWith the Tender formally awarded and on the assumption that the Project Manager will typically manage the construction phase delivery of the project, then the role of Design Manger will generally be reduced during this stage to a support role only or where required due to incomplete or ongoing design development resulting from client variations or changes made during tender negotiations. The following are some of the key tasks in this stage:6.1 Issue Approved For Construction(AFC) documentsManage the team in delivering the AFC documents as per the DMP at the required time in the required hardcopy and soft copy formats to the required locations.<br />Collate the required document transmittals6.2 HousekeepingTake the opportunity to complete the housekeeping of files on the server, in local drives and hardcopies6.3 Outstanding DesignManage the team in delivering any outstanding design due to client changes or changes resulting from tender negotiations6.4 Manage Contractor Design SubmissionsSubject to the complexity of the design, assist the Project Manager to manage the team in reviewing and responding to any contractor designs.Design Management in ActionThe above methodology represents a general approach for Design Managing Infrastructure and Building Project. This methodology has been applied successfully to numerous projects undetaken by the author, however as any Design Manager will know, every project is different and every design and project team is generally comprised of different team members.The key to making the above methodology work is studying, applying and start implementing it to suit your particular project. It offers focus and a clear direction for any design for an Infrastructure or Building project to achieve a superior outcome for your Client and your own business. </p>]]></content:encoded> <wfw:commentRss>https://anaoams.info/successful-design-management-for-the-6-stages-of-design-of-infrastructure-and-building-projects,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How to Have a Luxury Spa and Hotel Break For a Budget Price</title> <link>https://anaoams.info/how-to-have-a-luxury-spa-and-hotel-break-for-a-budget-price,html</link> <comments>https://anaoams.info/how-to-have-a-luxury-spa-and-hotel-break-for-a-budget-price,html#comments</comments> <pubDate>Fri, 31 Mar 2023 18:05:26 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Spa and Wellness]]></category> <guid isPermaLink="false">http://anaoams.info/?p=59</guid> <description><![CDATA[Ever since Gok Wan went from making us look good naked to creating catwalk outfits for less than the price of dry cleaning a designer outfit, I’ve been pulling out my craft glue (and the occasional DIY supplies) to glam up New Look basics into must have “pieces”. I’ve even taken a couple of their [...]]]></description> <content:encoded><![CDATA[<p> Ever since Gok Wan went from making us look good naked to creating catwalk outfits for less than the price of dry cleaning a designer outfit, I’ve been pulling out my craft glue (and the occasional DIY supplies) to glam up New Look basics into must have “pieces”. I’ve even taken a couple of their comfortable wide fit shoes and made them into sparkling triumphs courtesy of Claire’s Accessories and some Superdrug nail varnish. I know, these are not names that generally inspire, but when the resulting sandals are mistaken for the latest season sandals from Dune (and are actually comfortable enough to walk in) I knew I was on to a winner.Fast forward to a girlie weekend in Barcelona this March and a visit to a local spa and suddenly my mind was working overtime again.As much as I love the idea of a long weekend at a luxury spa hotel, if I’m honest the prices have always put me off, and my recent experiences at day spas in Morocco and Barcelona have convinced me that you don’t need to pay through the nose for an exceptional spa experience. In fact the best massages I have had to date have been the cheapest ones:- Around 32 pounds for a hammam, with a gommage “scrubbing”, followed by a rhassoul, and then the most relaxing massage I’ve ever had. I can’t tell you how long I was in there – only that the sun had gone down, I had lost all track of time, and I was on a completely different planet.- Even in Barcelona, with the euro at an all-time high, the top rated spa cost us around 54 pounds for the hammam, (with extra hot steam room and plunge pool), followed by a gommage “scrubbing” and another extremely relaxing massage. Three hours of luxury for 54 pounds compared to UK prices is a total steal.The fact is that in many cultures the local spa is an everyday (or at least every month) treat, which, combined with good exchange rates (when they are available), makes them a great bargain on holiday. So why aren’t we taking advantage of them? Well personally I think it’s because, whereas guide books are stuffed with restaurant, sight and hotel recommendations, very rarely do they spend any time on spas. The spa in Morocco was recommended by friends, and the spa in Barcelona was found with some pre-emptive internet research. Later in the year I’m off to visit China, which has some world class hotel spas, but also boasts a proud massage tradition, which leads me to hope that as well as the day spas I’ve been recommended (where prices are about a quarter of UK rates) I’ll also be able to find other more authentic bargains.Which leads me to the hotel part of the spa and hotel break. One of the reasons that staying at a luxury spa hotel can cost so much is that you are paying for the option to use it 24/7. If, like me, you see your spa time as part of a whole trip rather than a destination in itself, you’ll probably find that one day spending 3-4 hours in a spa is enough (taking into account the detox effects) at least for a couple of days. So just by choosing to stay in a separate hotel you will probably save a hefty chunk of your holiday budget, and you’ll also avoid the temptation to stay locked up in your hotel for your entire stay and miss out on the local treats.By then choosing an affordable hotel, reasonably close to your spa, which features the required level of pampering (slippers, robe, fluffy white towels), you can relax back in your room safe in the knowledge that you’ll be going home with a designer glow and a budget bill.Of course this is not to say that there aren’t spa hotels offering affordable deals, but by being flexible and savvy you can make sure that your relaxation time isn’t spent feeling ripped off. And perhaps more importantly, by being more creative in choosing your hotel, you have a much better choice of spa. You are not limited to an in-house spa experience, very important considering the number of excellent day spas available, even in the UK. Take for example Spa London in Bethnal Green, voted 2010 Professional Beauty Awards “Day Spa of the Year”, where 3 hours of thermal experience will set you back 21.50 pounds at the top of the scale for non-members, down to 6.75 pounds for concessionary local members (including towel, robe and flip flop use) and which is truly a luxury experience compared to the slightly run down Porchester Spa. And then there’s Thermae Bath Spa, the only place in the UK where you can bathe in natural healing spa waters, voted 2010 “Best Spa in the World” by readers of the Daily Telegraph’s Ultra Travel Magazine for the second time running, where a 2 hour session in the New Royal Bath (recommended) will set you back 24 pounds (plus 9 pounds hire cost for towel, robe and slippers if you need them – and you get to keep the slippers!) Unlike many spas the Thermae Bath Spa also offers reductions for locals, disabled guests and their carers, so a local disabled guest (and carer) could pay as little as 9.50 pounds each for a 2 hour session in the New Royal Bath. (You can also buy a glass of spa water at The Pump Room for only 50p!)Of course London and Bath are not known for their cheap hotel rooms, and certainly in central Bath you might be pushed to find availability, let alone an affordable room rate. However, if you widen your search to the surrounding area, you’ll also find some wonderful B&Bs which would put many hotels to shame, and where you can wake up to the sound of a horse clip clopping past, right in the heart of the countryside. Then it’s up to you whether you decide to explore some old fashioned villages, head back home refreshed and revived, or pop back to the Thermae Bath Spa for just a little more bargain relaxation. </p>]]></content:encoded> <wfw:commentRss>https://anaoams.info/how-to-have-a-luxury-spa-and-hotel-break-for-a-budget-price,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Rake Philosophy – 10 Min’s to Total Mind-Body-Spirit Connection!</title> <link>https://anaoams.info/the-rake-philosophy-10-mins-to-total-mind-body-spirit-connection,html</link> <comments>https://anaoams.info/the-rake-philosophy-10-mins-to-total-mind-body-spirit-connection,html#comments</comments> <pubDate>Fri, 31 Mar 2023 16:25:27 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Mind Body Spirit]]></category> <guid isPermaLink="false">http://anaoams.info/?p=56</guid> <description><![CDATA[The Way Of The RakeMany years ago in the southern regions of a land far away lived a man by the name of Hewko. A poor man by providential state but rich in Mind, Body and Spirit.”Relationships” he would say, “are the true paths to wealth of soul, peace of mind and health of body”.And,”Relaxation [...]]]></description> <content:encoded><![CDATA[<p> The Way Of The RakeMany years ago in the southern regions of a land far away lived a man by the name of Hewko. A poor man by providential state but rich in Mind, Body and Spirit.”Relationships” he would say, “are the true paths to wealth of soul, peace of mind and health of body”.And,”Relaxation is not for pillows as pillows are not for the relaxed”!Many seemingly wise and yet puzzling things he did say. . . leaving the disciples who sought him no further along in wisdom than before. No more peace of mind than a rabbit in the wild afraid to venture out of its hole for fear of being eaten. No less confused and no more focused on their self imposed task because they failed to act.But they sought him out all the same as all seekers must seek someone other than themselves to “show” them “the way”!The way of ‘The Rake’ clears all pathways that are unclear due to the fallen leaves of timeAnd what of you dear reader. . . do you also seek the spiritual healing that comes with the words of the Great Sage Hewko? Be of good cheer- the secret lies in the essence and foundation of The Rake! “The Way of the Rake”, as Hewko would say, “clears all pathways that are unclear due to the fallen leaves of time”; and I will share with you in a very few words the philosophy of The Rake and how you can apply it this very day with no further delay of peace to mind, depth to soul and life to body.”Just as the pathway of the forest is obscured by the leaves that fall there on. . . so also our minds are unclear by the task that fall upon our minds”. Too much technology, too many Business opportunities, too many bills to pay and just too many places to be and things to do. We are overwhelmed, our minds are cluttered, we do not exercise, we do not sleep. . . we know what we must do but do not!Meditation is a straw that eludes the grasp; yoga is an exercise of mind and body that does not always satisfy; crystals are debated, set on shelves and forgotten; and when feeling sluggish conventional medicine offers no cure- we seek “holistic” and/or “alternative medicines only to find more “alternatives” to the “alternatives”! Hewko would not deny all of the above as potential healing sources of mind, body and spirit. . . but one must first develop the discipline of The Rake!The Mind Body Spirit connection is Earth connected. . .All religions teach the importance of the Spirit Earth connection. The Bible says in the creation story of Genesis, “with labor and toil shalt thou eat thereof all the days of thy life”. Man continually shirks his duty as “husband” of the land and wonders why he feels so lethargic. The sowing and reaping of years gone by is more and more distant from the lives of modern man. Hewko says, “Reach into the soil of your own backyard and grow something”!The Way of the Rake is nothing more than the rake you can buy at the local hardware store. . . take rake in hand and touch the Earth! Mind, Body and Spirit unite in that one simple action and you are centered, balanced and whole. The rake is literal but only part of it. Cultivate the earth, plant the seed and help it grow! The law of sowing and reaping has always been taught since the beginning of time through the planting of seed and is the foundation for all business and romance.If you are unable to find your way through religion. . . rake! If you are unable to quite the mind. . . rake! If you are overwhelmed with bills, business and the cares of this world. . . rake!Unplug from TV and computer, go outside and touch the Earth. Today’s modern man allocates these basic life giving energies to other men who regard these God given privileges as nothing more than a 9 – 5 J.O.B. How can we be sure our Mind, Body and Spiritual sufferings are nothing more than self imposed when we go for months and, for some, years without rolling in the hay?The man of religious conviction who studies the Bible and yet avoids his “curse” can no more expect God to answer his prayers than he can expect tomatoes to grow where he has not prepared the soil. Back to the land should be our motto. Home grown should be the description given the vegetables on our table. And the law of sowing and reaping should be the first law written on our hearts. . . Mind, Body and Spirit begins where the salad grows.Hewko’s Final Words”Clear the leaves from the path of your mind with The Rake! Touch the Earth and the Earth will touch you. When we Rake we use the Mind, we use the Body and we find our Spirit whole”. </p>]]></content:encoded> <wfw:commentRss>https://anaoams.info/the-rake-philosophy-10-mins-to-total-mind-body-spirit-connection,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Online Travel Deals – Tips to Save Big on Your Airfares and Hotels</title> <link>https://anaoams.info/online-travel-deals-tips-to-save-big-on-your-airfares-and-hotels,html</link> <comments>https://anaoams.info/online-travel-deals-tips-to-save-big-on-your-airfares-and-hotels,html#comments</comments> <pubDate>Thu, 02 Feb 2023 06:15:31 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://anaoams.info/?p=54</guid> <description><![CDATA[Are you bitten by the travel bug but are reluctant to travel more frequently due to rising travel costs? Do not worry, as there is a plethora of attractive travel deals online that are a big help in reducing various travel costs so that you can save more money for your next trip.There are many [...]]]></description> <content:encoded><![CDATA[<p> Are you bitten by the travel bug but are reluctant to travel more frequently due to rising travel costs? Do not worry, as there is a plethora of attractive travel deals online that are a big help in reducing various travel costs so that you can save more money for your next trip.There are many reasons why service providers and online travel agents want to offer such deals to their customers. Among these reasons are relatively low demand, weather and climate conditions and the rolling out of brand new promotions.Whatever their reasons, there is no better time than now to start going online to research and take advantage of these cheap travel deals as the Internet has made it much easier to search for and compare the rates offered by different sources. I shall now offer some tips how you can go about finding the best deals for airlines and accommodation, two travel components which often take up a huge chunk of our travel expenditure.The first step in getting the best deals for travel is to allocate your budget for hotels, airfare and other aspects of your travel. To do this, you have to be clear what the purpose of your travel is and how much would be appropriate to spend on each aspect so as to fit your travel purpose neatly. For example, if you are planning a fun-filled resort break, you would have to apportion more funds towards the hotel and recreation categories.Hence, adjusting your expectations on what kinds of deals on specific travel components are low enough for you will go a long way in ensuring that you would not be disappointed with your chosen deal. This would also depend on whether you are geared more towards budget or luxury travel.To find discounted rates for hotels and airfares, you may want to visit a travel website that offers travel discounts for these aspects. This is to save you the trouble of having to visit multiple sites for them, and help you plan your bookings for both components in a hassle-free manner.Next, look out for any seasonal offers that may arise due to either low demand due to off-peak seasons, such as winter, or festive season promotions. However, be sure to check out the weather forecasts to make sure that your trip will not be ruined by harsh weather conditions.Many airlines and hotels also do not want to leave their seats or rooms empty hence they may offer last minute deals which can net you attractive savings. Last minute bookings, however, are generally only advisable if you are sure that the airlines and hotels are not overbooked during the period which you will be travelling.If you are travelling during peak seasons instead, you may want to book in advance as the best deals for the cheapest seats and rooms will be quickly taken up if you wait till the last minute to place your booking. Being flexible with your travel plans will certainly help as you can run a search for room rates or ticket prices spanning a greater range of dates. This will often reveal more travel deals than if you search for a specific date only. </p>]]></content:encoded> <wfw:commentRss>https://anaoams.info/online-travel-deals-tips-to-save-big-on-your-airfares-and-hotels,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Why Starve Your Needs When Payday Loans are there to Gratify Them</title> <link>https://anaoams.info/why-starve-your-needs-when-payday-loans-are-there-to-gratify-them,html</link> <comments>https://anaoams.info/why-starve-your-needs-when-payday-loans-are-there-to-gratify-them,html#comments</comments> <pubDate>Wed, 01 Feb 2023 19:36:28 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://anaoams.info/?p=52</guid> <description><![CDATA[The long awaited paycheque is finally here. However, the reverie with the paycheque is not expected to last long, because of the various expenses yelling for their fulfilment. Having spent a major part of his income the individual is left with nothing or very less to tend even to the day-to-day expenses. Had fasting or [...]]]></description> <content:encoded><![CDATA[<p> The long awaited paycheque is finally here. However, the reverie with the paycheque is not expected to last long, because of the various expenses yelling for their fulfilment. Having spent a major part of his income the individual is left with nothing or very less to tend even to the day-to-day expenses. Had fasting or some other ways of postponing the needs been of help, the individuals would have readily tried them. However, they rarely do help.A more viable solution for these mid monthly blues are payday loans. Payday loans offer a solution to the problem. Instant cash is made available through payday loans to enable borrowers meet the needs.Fast approval of payday loans:It is often contended as to why people opt for payday loans when other loans can also be used. This is because the process of approval of other loans is long drawn as various valuations and checks are involved. Payday loans, being needed for urgent needs cannot do with the delay. Hence payday loans, that are approved in as little as 24 hours.Payday loans are short-term loans that are repayable within the next payday. Since they are taken in order to meet the day-to-day expenses, the maximum amount lent is £500. Payday loans are secured loans having the next month’s salary as the collateral.Eligibility for payday loan:Thus, it can be ascertained that employment is a prerequisite for the payday loans. Most lenders desire a borrower to be employed for a period of at least 90 days. An unemployed person may not qualify for the loan. Along with employment, the borrower will have to fulfil the following basic criteria for getting the payday loan:o The salary or income received in any form must be deposited directly into the bank.o The borrower must have a bank account.o The borrower must have a chequebook or debit card.The process of payday loans starts with the application by the borrower. With more and more lenders offering their services through internet, borrowers’ task has been eased. An application faxed to the lenders gets a much speedier response. The money is transferred to the borrowers’ bank account through wire transfer.Types of payday loans:There are various types of payday loans doing the rounds of the loans market nowadays. Some of them are as follows:INSTANT PAYDAY LOANSome lenders term their payday loans as instant payday loans. In fact, payday loans are designed to offer fast cash. Thus terming ones product as an instant payday loan is like adding synonymous adjectives.NO FAX PAYDAY LOANA no fax payday loan requires the borrower to have a higher credit score. A high credit score is seen as a higher credibility. The value of the property must be about two to three times of the annual income received by the borrower. The more is the value of the home, the more will the borrower be able to receive as payday loans.ONLINE PAYDAY LOANOnline Payday loans are the loans that are available through the internet. These loans are quickly approved to enable borrowers to have instant cash. Borrowers apply by filling the online application form available on the website of the loan providers.However, the caution “think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it” must be strictly adhered to. A payday loan cannot be used every time a financial crises crops up. Large number of loans will require a larger repayment, thus making them difficult to be borne. A more judicious use of the monthly income and the habit of saving will help in improving the financial scenario to a large extent. </p>]]></content:encoded> <wfw:commentRss>https://anaoams.info/why-starve-your-needs-when-payday-loans-are-there-to-gratify-them,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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