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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>hnlmsms.info</title> <atom:link href="http://hnlmsms.info/feed" rel="self" type="application/rss+xml" /> <link>https://hnlmsms.info</link> <description></description> <lastBuildDate>Sun, 24 Dec 2023 01:27:26 +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>Commercial Coffee Makers – What to Look For</title> <link>https://hnlmsms.info/commercial-coffee-makers-what-to-look-for,html</link> <comments>https://hnlmsms.info/commercial-coffee-makers-what-to-look-for,html#comments</comments> <pubDate>Tue, 18 Apr 2023 12:26:04 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Business]]></category> <category><![CDATA[business ideas]]></category> <category><![CDATA[business ideas 2023]]></category> <category><![CDATA[business insider]]></category> <category><![CDATA[business maker]]></category> <category><![CDATA[business maker 14]]></category> <category><![CDATA[business maker 2]]></category> <category><![CDATA[business motivation]]></category> <category><![CDATA[home based business]]></category> <category><![CDATA[how to start a business]]></category> <category><![CDATA[lyrics the business]]></category> <category><![CDATA[online business]]></category> <category><![CDATA[small business ideas]]></category> <category><![CDATA[the business]]></category> <category><![CDATA[the business lyrics]]></category> <category><![CDATA[the business music video]]></category> <category><![CDATA[the business tiesto]]></category> <category><![CDATA[the business tiesto video]]></category> <category><![CDATA[tiesto the business]]></category> <category><![CDATA[tiesto the business lyrics]]></category> <category><![CDATA[tiesto the business video]]></category> <guid isPermaLink="false">http://hnlmsms.info/?p=73</guid> <description><![CDATA[There are two reasons to be looking at a commercial coffee maker. One is you want it for your home and want to best dang cup of coffee you can get out of a machine and you want it fast, and two is you own a business and you need to be able to pump [...]]]></description> <content:encoded><![CDATA[<p> There are two reasons to be looking at a commercial coffee maker. One is you want it for your home and want to best dang cup of coffee you can get out of a machine and you want it fast, and two is you own a business and you need to be able to pump out cups of coffee left and right. You also want a machine that’s reliable and easy to clean and one where you wont be telling your customers “sorry, our machine is down again we don’t have any coffee at the moment” and watch them walk away.Let’s break this article down into two parts, with this part being the home owner looking for some top notch coffee. The main feature you’re going to want to investigate is how many cups of coffee the machine can make at one time. The more cups of coffee it can make at a time the more the commercial coffee maker is going to cost. Some machines are capable of making up to 36 cups of coffee at a time, this is massive overkill for the home owner, unless you have 10 or 15 people running around inside. You can save a lot of cash just by picking out the machine that suits your needs. Another feature to look at for a home machine is how fast it can make the coffee, the faster it makes it the more you pay. If you have time in the morning or plan to turn the machine on before your shower you can get away with a machine that makes coffee slower than others. If you need the coffee fast as can be then you may want to pay a little extra for that sort of thing. Look in the product description to find out the rate of production.Now let’s analyze what you’re going to want to have in a business model. Evaluate how many people come in on a daily basis, or even plan to buy the machine that can output enough coffee to satisfy everyone on the busiest days. There’s no need to buy a coffee maker that can make 300 cups and hour if only 20 people come in an hour. Check to see what features you are going to want with the machine. Are there self cleaning features? Is that something you’d want and do you have time to clean it yourself if not? Is the frame and body made out of steel so it is durable and easy to clean? If you’re going to be serving a lot of coffee there is a feature called dual warmers. You can make two pots of coffee and put one on the top of the machine on a “warmer” which is a hot pad that keeps the coffee hot to serve, while the other sits in the normal spot on its own hot plate ready to serve. This way you can have 2 pots of coffee ready to go at all times.There you have it, whether you are looking at a commercial coffee maker for home or for your business with this information you are capable of making a well informed decision. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://hnlmsms.info/commercial-coffee-makers-what-to-look-for,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Captive Insurance Company – Reduce Taxes and Build Wealth</title> <link>https://hnlmsms.info/captive-insurance-company-reduce-taxes-and-build-wealth,html</link> <comments>https://hnlmsms.info/captive-insurance-company-reduce-taxes-and-build-wealth,html#comments</comments> <pubDate>Mon, 17 Apr 2023 20:59:26 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Insurance]]></category> <guid isPermaLink="false">http://hnlmsms.info/?p=67</guid> <description><![CDATA[For business owners paying taxes in the United States, captive insurance companies reduce taxes, build wealth and improve insurance protection. A captive insurance company (CIC) is similar in many ways to any other insurance company. It is referred to as “captive” because it generally provides insurance to one or more related operating businesses. With captive [...]]]></description> <content:encoded><![CDATA[<p> For business owners paying taxes in the United States, captive insurance companies reduce taxes, build wealth and improve insurance protection. A captive insurance company (CIC) is similar in many ways to any other insurance company. It is referred to as “captive” because it generally provides insurance to one or more related operating businesses. With captive insurance, premiums paid by a business are retained in the same “economic family”, instead of being paid to an outsider.Two key tax benefits enable a structure containing a CIC to build wealth efficiently: (1) insurance premiums paid by a business to the CIC are tax deductible; and (2) under IRC § 831(b), the CIC receives up to $1.2 million of premium payments annually income-tax-free. In other words, a business owner can shift taxable income out of an operating business into the low-tax captive insurer. An 831(b) CIC pays taxes only on income from its investments. The “dividends received deduction” under IRC § 243 provides additional tax efficiency for dividends received from its corporate stock investments.Starting about 60 years ago, the first captive insurance companies were formed by large corporations to provide insurance that was either too expensive or unavailable in the conventional insurance market.Over the years, a combination of US tax laws, court cases and IRS rulings has clearly defined the steps and procedures required for the establishment and operation of a CIC by one or more business owners or professionals.To qualify as an insurance company for tax purposes, a captive insurance company must satisfy “risk shifting” and “risk distribution” requirements. This is easily done through routine CIC planning. The insurance provided by a CIC must really be insurance, that is, a genuine risk of loss must be shifted from the premium-paying operating business to the CIC that insures the risk.In addition to tax benefits, principal advantages of a CIC include increased control and increased flexibility, which improve insurance protection and lower cost. With conventional insurance, an outside carrier typically dictates all aspects of a policy. Often, certain risks cannot be insured conventionally, or can only be insured at a prohibitive price. Conventional insurance rates are often volatile and unpredictable, and conventional insurers are prone to deny valid claims by exaggerating petty technicalities. Also, although business insurance premiums are generally deductible, once they are paid to a conventional outside insurer, they are gone forever.A captive insurance company efficiently insures risk in various ways, such as through customized insurance policies, favorable “wholesale” rates from reinsurers, and pooled risk. Captive companies are well suited for insuring risk that would otherwise be uninsurable. Most businesses have conventional “retail” insurance policies for obvious risks, but remain exposed and subject to damages and loss from numerous other risks (i.e., they “self insure” those risks). A captive company can write customized policies for a business’s peculiar insurance needs and negotiate directly with reinsurers. A CIC is particularly well-suited to issue business casualty policies, that is, policies that cover business losses claimed by a business and not involving third-party claimants. For example, a business might insure itself against losses incurred through business interruptions arising from weather, labor problems or computer failure.As noted above, an 831(b) CIC is exempt from taxes on up to $1.2 million of premium income annually. As a practical matter, a CIC makes economic sense when its annual receipt of premiums is about $300,000 or more. Also, a business’s total payments of insurance premiums should not exceed 10 percent of its annual revenues. A group of businesses or professionals having similar or homogeneous risks can form a multiple-parent captive (or group captive) insurance company and/or join a risk retention group (RRG) to pool resources and risks.A captive insurance company is a separate entity with its own identity, management, finances and capitalization requirements. It is organized as an insurance company, having procedures and personnel to administer insurance policies and claims. An initial feasibility study of a business, its finances and its risks determines if a CIC is appropriate for a particular economic family. An actuarial study identifies appropriate insurance policies, corresponding premium amounts and capitalization requirements. After selection of a suitable jurisdiction, application for an insurance license may proceed. Fortunately, competent service providers have developed “turnkey” solutions for conducting the initial evaluation, licensing, and ongoing management of captive insurance companies. The annual cost for such turnkey services is typically about $50,000 to $150,000, which is high but readily offset by reduced taxes and enhanced investment growth.A captive insurance company may be organized under the laws of one of several offshore jurisdictions or in a domestic jurisdiction (i.e., in one of 39 US states). Some captives, such as a risk retention group (RRG), must be licensed domestically. Generally, offshore jurisdictions are more accommodating than domestic insurance regulators. As a practical matter, most offshore CICs owned by a US taxpayer elect to be treated under IRC § 953(d) as a domestic company for federal taxation. An offshore CIC, however, avoids state income taxes. The costs of licensing and managing an offshore CIC are comparable to or less than doing so domestically. More importantly, an offshore company offers better asset protection opportunities than a domestic company. For example, an offshore irrevocable trust owning an offshore captive insurance company provides asset protection against creditors of the business, grantor and other beneficiaries while allowing the grantor to enjoy benefits of the trust.For US business owners paying substantial insurance premiums every year, a captive insurance company efficiently reduces taxes and builds wealth and can be easily integrated into asset protection and estate planning structures. Up to $1.2 million of taxable income can be shifted as deductible insurance premiums from an operating business to a low-tax CIC.Warning & Disclaimer: This is not legal or tax advice.Internal Revenue Service Circular 230 Disclosure: As provided for in Treasury regulations, advice (if any) relating to federal taxes that is contained in this communication is not intended or written to be used, and cannot be used, for the purpose of (1) avoiding penalties under the Internal Revenue Code or (2) promoting, marketing or recommending to another party any transaction or matter addressed herein.Copyright 2011 – Thomas Swenson </p>]]></content:encoded> <wfw:commentRss>https://hnlmsms.info/captive-insurance-company-reduce-taxes-and-build-wealth,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Getting Your Automobile Insurance Quotes</title> <link>https://hnlmsms.info/getting-your-automobile-insurance-quotes,html</link> <comments>https://hnlmsms.info/getting-your-automobile-insurance-quotes,html#comments</comments> <pubDate>Sat, 01 Apr 2023 17:53:51 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Automobiles Motorcycles]]></category> <guid isPermaLink="false">http://hnlmsms.info/?p=65</guid> <description><![CDATA[As with all other vehicles you don’t just rush into getting your insurance. You would first have to get your quotes from various companies and then choose which is best for you. As stunning as this may seem, motorcycle insurance rates are rapidly increasing and this is so because, the costs of repairs are rising, [...]]]></description> <content:encoded><![CDATA[<p> As with all other vehicles you don’t just rush into getting your insurance. You would first have to get your quotes from various companies and then choose which is best for you. As stunning as this may seem, motorcycle insurance rates are rapidly increasing and this is so because, the costs of repairs are rising, parts are also rising, and there is an increase in claims made. To meet with this demanding need, many insurance companies have been established as a result and discounts and deals are even offered. Because of the increase different insurance companies will vary in their rates and also coverage, hence the reason for getting your automobile insurance quotes before making a decision.The insurance company is trying to determine both how much you will be riding your motorcycle and how much experience you have riding motorcycles. This is very important to the insurance companies because they realize that your chances of having an accident will increase based on how often you ride your motorcycle. The years you have been riding your motorcycle will also be contributing to the determination of your rates. It makes no sense in getting a plan which is not only over your budget but also does not cover accidents which are more likely to happen in your specific case as compared to someone else. Very often people get confused on this topic but it can be simple once some research is done or an insurance agent is consulted on the matter. There is always help out there waiting for you to ask, whether it be online or in person, you have the chance to learn and educate yourself on the variable that make a significant change in your insurance rate.There are also certain restrictions which will apply for persons who deliberately engage themselves in hazardous situations with their motorcycle. For example if you use your bike to race, you will find it difficult to find an insurance policy that will cater to your lifestyle especially since you are more prone to an accident occurring. However, if you own a motorcycle just for the enjoyment of riding it, you will need to obtain a personal disability insurance policy which will protect your income as discussed earlier in the event you become disabled.By knowing exactly what you will be using it for and for what reasons will help dramatically. It is a good idea that before going to any insurance company you sit and make a list of everything concerning your motorcycle, that way when the insurance company looks at it they can efficiently determine what type of coverage you would need and what type of rates you would get. Of course if you have some bad riding habits it is best to rectify them before actually going to your insurance, that way your record looks good which will also help with the price you will be charged. At the end of the day the most important thing is to have you and your motorbike covered for any possible damages that may occur. </p>]]></content:encoded> <wfw:commentRss>https://hnlmsms.info/getting-your-automobile-insurance-quotes,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Business Law Savvy – Protect Your Company From 5 Common Legal Risks</title> <link>https://hnlmsms.info/business-law-savvy-protect-your-company-from-5-common-legal-risks,html</link> <comments>https://hnlmsms.info/business-law-savvy-protect-your-company-from-5-common-legal-risks,html#comments</comments> <pubDate>Sat, 01 Apr 2023 06:52:17 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Cyber Law]]></category> <guid isPermaLink="false">http://hnlmsms.info/?p=63</guid> <description><![CDATA[Unfortunately in today’s business world, it is only a matter of time before your company is sued by someone or investigated by some governmental agency. However, you can lesson the odds by understanding and identifying the most common legal problems that could come your way and protecting your company against them.1. Criminal InvestigationState and federal [...]]]></description> <content:encoded><![CDATA[<p> Unfortunately in today’s business world, it is only a matter of time before your company is sued by someone or investigated by some governmental agency. However, you can lesson the odds by understanding and identifying the most common legal problems that could come your way and protecting your company against them.1. Criminal InvestigationState and federal law enforcement and governmental agencies proliferate with each passing day. Depending on your industry, you could be regulated by as many as ten agencies, not counting the normal and customary policing departments. The power of government agencies is blinding. Recently, a trend has emerged targeting more and more businesses, executives and owners for investigation and prosecution. It has become so prevalent that all companies should focus considerable effort toward insulating their owners, employees and operations from risk.Adopting a policy that your company will cooperate in all government inquiries and investigations with the assistance and counsel of an experienced criminal law attorney is the best way to insulate you and your employees from waiving your rights or creating more risk. Educate yourself and your employees on your constitutional rights and what procedures to follow with the advice of a criminal law specialist or attorney familiar with this trend and danger.2. Employee LawsuitEmployment law is the new lottery for Plaintiffs’ lawyers who have watched tort reform narrow their playing fields. For every perceived harm – real or imagined, there is a creative lawsuit waiting to be filed. Sexual harassment, age discrimination, pregnancy discrimination, racial discrimination, gender discrimination, disability discrimination, wrongful termination, retaliation, and injuries, are only some of the fertile ground for disgruntled employees.Clear and thorough employee rules and policies are the first area of defense against this kind of legal threat. Develop an employee manual and document employee files. Treat all employees with respect and with equality and consistency. Engage a business or employment lawyer to review your policies and rules.3. Cyber IssuesWith the move of all businesses toward more and more dependence on technology and the use of internet communications and resources, cyber legal issues grow exponentially every day in ways that are just beginning to be understood and anticipated.Specific rules and policies regarding employee computer usage, privacy and access are critical in today’s business. Adopt, revise, review or amend your policies and rules as soon as possible. Neglecting this area of legal threat is just asking for trouble.4. Marital and Divorce IssuesIf you are married or if any of your fellow owners or partners are married, significant risk exists in the divorce arena should any marriage fail.Contractual protections in your entity documents or business agreements should address these risks so that you can continue conducting business regardless of someone’s divorce claims and proceedings. Marital property agreements can also provide additional insulation from this threat.5. Business Contract LawsuitsAttorneys’ fees and expenses can wreck your bottom line and distract you and your employees from your core business operations. Your goal should be to utilize contractual provisions to minimize the chance of being sued or having to sue third parties with whom you do business.With the appropriate contractual clauses, you can avoid being drug into a courtroom by requiring arbitration, choose the state in which you will be sued or in which the arbitration will be conducted, limit damages, and require that the loser pay the costs of dispute resolution. Many more advantages can be built into contracts in order to give you control over the legal process.All business owners and executives have the obligation and duty to their employees, shareholders, partners and families to insulate and protect their companies and operations from the legal threats that haunt businesses. By understanding the threats and risks, and by taking proactive measures to prevent lawsuits and legal disasters, you can control your own legal destiny and win the advantage in any future legal battles. </p>]]></content:encoded> <wfw:commentRss>https://hnlmsms.info/business-law-savvy-protect-your-company-from-5-common-legal-risks,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Value of Managing Performance</title> <link>https://hnlmsms.info/the-value-of-managing-performance,html</link> <comments>https://hnlmsms.info/the-value-of-managing-performance,html#comments</comments> <pubDate>Fri, 31 Mar 2023 20:49:52 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Management]]></category> <guid isPermaLink="false">http://hnlmsms.info/?p=61</guid> <description><![CDATA[Importance in ManagementJohn Kotter describes management as consisting of planning; organising and resourcing; review and control; and communication. All of these activities are heavily influenced and informed by performance management.Performance management is an absolutely essential business management process and an important tool for people managers to use in meeting their business objectives:· Organisations are increasingly [...]]]></description> <content:encoded><![CDATA[<p> Importance in ManagementJohn Kotter describes management as consisting of planning; organising and resourcing; review and control; and communication. All of these activities are heavily influenced and informed by performance management.Performance management is an absolutely essential business management process and an important tool for people managers to use in meeting their business objectives:· Organisations are increasingly realising that it is often not the quality of their strategy but their employees’ ability to implement it that will make the difference. Bossidy and Charan define this ability to execute as ‘the missing link between aspirations and results’.· In addition, in order to maximise an organisation’s potential for achieving its strategy, it is essential that the organisation both creates and develops the capability of its people. Improved business performance can really only be achieved through effective people management.The purpose of Performance Management is, therefore, to increase the effectiveness of people at work in order to improve business performance.Achieving this improvement in performance should be the number one priority for any line manager. A manager can achieve high performance much more easily by working through their team, rather than concentrating on their own day-to-day tasks.By managing their people effectively, managers gain greater productivity from all those in their team. This means less time concentrating on the things that go wrong, and more time on looking ahead to advance their team’s capabilities and improve both their own and their team’s value to the organisation.This is why Jack Welch at GE used to spend more than fifty per cent of his time on people issues.Bureaucracy is HistoryIn practice, many managers concentrate on their own responsibilities and on their own technical / functional expertise, fitting in people management around this. Management becomes an add-on when it should be the central focus of their job.So why is performance management often pushed to the side in this way?A common reason seems to be that performance management is often associated with paperwork, bureaucracy and difficult conversations. This is largely due to the way the process has developed over time.Up until the early 1990s, performance management was seen largely as an appraisal scheme for determining performance related pay increases. People may have used it for setting objectives at the start of the year and were then appraised against their achievement of these objectives at the end of the year. The results of this appraisal would determine pay and promotion.The whole process would have been fairly static with people only really looking at their objectives at the start or end of the year. Some more enlightened organisations may have had more regular reviews, however, common practice was still rather event driven.Since there was little ongoing conversation, the end of year rating would often come as a surprise. This would lead onto long debates about evidence, judgement and subjectivity and an overall deterioration in the line manager / employee relationship.Overall, performance management was rather monolithic, it was owned by HR, viewed as being something you had to do to get paid and certainly not something that was not seen as having real business value.Requirements for EffectivenessPerformance management is now usually seen as a process, rather than an event, with individuals and line managers much more likely to use the process regularly. When used like this, performance management is much more of a monitoring process that helps individuals and line managers take stock of where they are and plan what they need to do to achieve the right results. Performance management processes are also more likely to be used to engage and enhance individual, team and organisational performance.This has been helped by a number of things:· Clarity in performance objectives: whether through the use of scorecards (key performance measures spread over four or more quadrants, for example, people, finance, customer and process) or through Key Performance Indicators, the setting of performance standards is essential. Every member of staff should be clear about their role, what they are expected to do and the level of performance they need to attain. Only when individuals can clearly see how their efforts contribute to the achievement of the organisation’s overall objectives can they fully focus on moving the organisation forward. Individuals appreciate this clarity, become more motivated about what they need to do as a result and are encouraged to develop their capability to achieve as much as they can. Any performance management process needs to ensure that this strand is put in place.· Performance assessment and feedback: naturally enough it is not sufficient just to make it clear to people what they need to do. Effective assessment of performance at regular and appropriate times is also essential. The role of the line manager in this is crucial as they must provide the appropriate guidance, feedback and support to help their staff understand how they are doing; suggest ways of doing things better and to really focus their interactions on increasing effectiveness. Any assessment process must be simple, easy to operate and allow the interactions between the line manager and their reports to be the main focus.· Joint review: the use of a performance management process is much more about joint responsibility now that it once was. Line managers and individuals have to use the process together, each with their own responsibilities, in order that they get the most out of it. In this respect it is more like a performance contract between the individual and the line manager, with both signing up to helping the other achieve the right results and develop in the right ways.· The use of multi-rater feedback: multi-rater feedback has become a much more common part of the performance management process. This provides much greater levels of information and objectivity to the review process, enabling individuals to be more open to development opportunities. It also provides upward feedback and as such allows leadership teams to be much more aware of their areas of development.· Employee engagement: performance management meetings are one of the key ‘moments of truth’ where a line manager can show appreciation of a person’s contribution, identify their career and engagement drivers, and find ways to motivate the individual to perform, grow and stay within the organisation. Even when giving constructive criticism, when done when, performance management meetings should be positive and engaging events.· The development focus: people have seen that development is an essential element of driving up individual performance. Competence frameworks have often been used to assess the level of capability an individual has and identify where they need development. The individual can then undertake some form of development to reduce their capability gap. This focused development can then be seen to directly help the individual perform better in their role and thus increase their contribution to overall organisational performance.· Flexible and pragmatic approach: the processes that are used today are much better able to cope with different needs, requirements and abilities. When building performance management processes the accent needs to be on simplicity, usability and flexibility. This ensures that the process can be used, helps individuals understand what they need to do and how they need to do it (i.e., what are the right behaviours they need to demonstrate) and focuses the organisation on a performance culture. Once again the new performance management is not about control it is about enablement and whatever process is designed, this must be its key aim.· The use of systems and technology: technology can be an enormous help to making a performance process useable and attractive. With the growth of Intranets, a simple solution can be produced that makes the individuals objectives or performance criteria much more accessible. Individuals can be encouraged to look at the system on a more regular basis and see performance management as a continuous process.· This is not a HR owned process: one of the more potent changes has been that forward thinking HR practitioners have understood that they do not own the performance management process. They need to be responsible for creating, embedding and supporting the process but they do not own it; the business does. If performance management is to be a tool to enhance business performance (through enhancing individuals and their development) then the business needs to own it. HR has used this shift as a means of helping HR business partners achieve their objectives. This is a fundamental change that has helped in the understanding of the value of performance management and has significantly increased its usage.Line Manager CapabilityA critical role here is that the line manager is a ‘coach’; someone who helps an individual achieve to their potential and contribute to the overall success of the organisation.Many performance management processes fall down in this area if the development of the coaching skills is not done and if line mangers are not clear that this is their role.An emphasis on the education and development of the line manager should therefore be a significant element of any implementation of performance management.The Business BenefitsWhen done well, performance management provides substantial benefits to an organisation. These benefits include:For the organisation:· Alignment of objectives· Motivation of employees· Support for core values· Improvement in training and development· Development as a learning organisation· Focus on continuous improvement· Basis for career development· Retention of skilled employees· Support for culture change.For line managers:· Clarification of expected performance and behaviour· Support for leadership, motivation and team building· Basis for helping under performers· May be used to develop or coach individuals· Improving relationships with team members· Basis for non-financial reward, including recognition and development.For individuals:· Greater clarity of roles and objectives· Encouragement and support to perform well· Provision of guidance in developing abilities· Improving relationship with their line manager· Clarity over contribution to organisational performance· An objective and fair basis for assessing performance.These benefits are significant. In the private sector, a study by Morgan and Schiemann found that organisations using people measures to help manage their business had a five-year return on investment of 146 per cent, compared to 97 per cent in other organisations, and a one-year return on assets of 4.6 per cent compared to 1.9 per cent in other organisations.In the public sector, effective performance management helps organisations achieve their key performance outcomes, meet the needs of stakeholders and develop operational excellence in providing their services.Line managers should not view performance management as a chore – it is the key to their own effectiveness and to that of their employing organisations. </p>]]></content:encoded> <wfw:commentRss>https://hnlmsms.info/the-value-of-managing-performance,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Spas and Relaxation</title> <link>https://hnlmsms.info/spas-and-relaxation,html</link> <comments>https://hnlmsms.info/spas-and-relaxation,html#comments</comments> <pubDate>Fri, 31 Mar 2023 18:26:17 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Spa and Wellness]]></category> <guid isPermaLink="false">http://hnlmsms.info/?p=59</guid> <description><![CDATA[Having your very own spa is a great way to relax, entertain guests and spend quality time with your family. Nothing beats soaking in the hot swirling water and getting a soothing massage. It’s like having your personal masseuse or a stress-free vacation without having to leave your home.The word “spa” supposedly comes from the [...]]]></description> <content:encoded><![CDATA[<p> Having your very own spa is a great way to relax, entertain guests and spend quality time with your family. Nothing beats soaking in the hot swirling water and getting a soothing massage. It’s like having your personal masseuse or a stress-free vacation without having to leave your home.The word “spa” supposedly comes from the small village of Spa, Belgium that is famous for its natural hot springs which are said to have healing and soothing properties in them. The word Spa may also have a Latin origin as an acronym for “Salut per Aqua, Solus per Aqua, and Sanus per Aquam.” This means health, oneness and soundness through water. Whatever its origins, a spa connotes invigoration, relaxation and wellness.This form of relaxation is so popular that one-quarter of all American adults or 57 million people have visited a spa at least once, according to the International Spa Association. Among the reasons cited for this includes stress reduction and relief, soothing sore joints and muscles, and simply feeling better about one’s health.Not surprisingly, there are numerous studies that support these findings. In one that involved over 3,300 Japanese government workers, the number of spa visits was linked to a better physical and mental health, including better quality of sleep and fewer sick days. In another study conducted by Florida State University and George Mason University researchers, spa therapy was able to lower both absenteeism from work and hospitalizations. No wonder many people enjoy going to spas nowadays. </p>]]></content:encoded> <wfw:commentRss>https://hnlmsms.info/spas-and-relaxation,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>You Owe It To Yourself To Take Care Of Your Mind, Body, Spirit</title> <link>https://hnlmsms.info/you-owe-it-to-yourself-to-take-care-of-your-mind-body-spirit,html</link> <comments>https://hnlmsms.info/you-owe-it-to-yourself-to-take-care-of-your-mind-body-spirit,html#comments</comments> <pubDate>Fri, 31 Mar 2023 16:45:44 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Mind Body Spirit]]></category> <guid isPermaLink="false">http://hnlmsms.info/?p=57</guid> <description><![CDATA[Have you seen articles about the rate of obesity in America? Just to enlighten you to what is taking place, obesity has become an epidemic in America.The Journal of American Medical Association (JAMA) states, one in three adults and one in six kids and teens are obese. This is not good because medical cost are [...]]]></description> <content:encoded><![CDATA[<p> Have you seen articles about the rate of obesity in America? Just to enlighten you to what is taking place, obesity has become an epidemic in America.The Journal of American Medical Association (JAMA) states, one in three adults and one in six kids and teens are obese. This is not good because medical cost are skyrocketing and this means fewer people will be able to afford medical cost in the future.It is time to get selfish about taking care of our mind, body and spirit. It is obvious some people have prioritized things, stuff, material possessions and lost focus of what really matters. Case in point, how can we help our spouse and or children if we become obese and ultimately have poor health?Let me take you down memory lane to assist you in understanding my relationship with obesity. While in high school, prior to ever driving my dads car or owning and driving my own car in the 11th grade, I was in fantastic physical shape.Why? My father could only afford an inexpensive car and he was not about to let me wreck his only car.The point I am making is this, I walked everywhere I had to go and or catch a ride with a relative or friend of mine. Walking keeps me in good physical shape as it does for many people.Ultimately I purchased my own car, had a part-time job and spent less time walking. Over the years I gradually gained weight, so personally for me there is a correlation between walking and good health, it is a good exercise.So how does one incorporate a mind, body and spirit program into their life. First things first, we must come into a consciousness of our mind that passes all understanding when it comes to ensuring our mindset is in tune with our whole person.In other words, our intentions must be right-minded and positioned such that, we adopt good habits for ourselves, leading to a healthy mental lifestyle. We are internal beings meaning, everything starts on the inside, in our mind and then our heart. Add a special ingredient called intention and let us face it, we are on our way by embracing a healthy mental attitude towards our health.As for taking care of your body, I highly recommend visiting your doctor first and get a comprehensive examination, from head to toe. Assess where you stand in relations to the results you receive from your doctor and work with your primary care provider to come up with a physical conditioning program.The bottom line is if you spend 30 minutes a day for three days a week walking, stretching, running, workout on a treadmill, weight lifting and or playing an organized sport. It has been proven that we add years to our life when we exercise, we sleep better, look better and have peace of mind. Physical exercise is time well spent and is a better investment than an expense healthcare program because it is a preventive measure.Lastly, and arguably one of the most important aspects of mind, body and spirit is spirit. Why?Everyone has a spirit and like all aspects of our life, we must take care of it. Taking care of our spirit may entail prayer, meditation, fellowship with others, and calling upon our creator for direction. Spirit represents a trinity of ones being and is a key indicator of people taking priority of their life.Make yourself the top priority of your life and watch how much better your life will be. When the mind, body and spirit is aligned, life takes on a whole new meaning, its get better and better. </p>]]></content:encoded> <wfw:commentRss>https://hnlmsms.info/you-owe-it-to-yourself-to-take-care-of-your-mind-body-spirit,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Accomplish Your Dream Air Travel and Destination!</title> <link>https://hnlmsms.info/accomplish-your-dream-air-travel-and-destination,html</link> <comments>https://hnlmsms.info/accomplish-your-dream-air-travel-and-destination,html#comments</comments> <pubDate>Thu, 02 Feb 2023 05:22:13 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://hnlmsms.info/?p=54</guid> <description><![CDATA[Isn’t it unbelievable? Yes it might be like a dream for some and a complete hard to accept fact for others, but there are professionals that makes it believable for all!With surprising combo of cheap flights and affordable accommodation, you can fulfill the desire of visiting your dream destination. Many companies in the market boast [...]]]></description> <content:encoded><![CDATA[<p> Isn’t it unbelievable? Yes it might be like a dream for some and a complete hard to accept fact for others, but there are professionals that makes it believable for all!With surprising combo of cheap flights and affordable accommodation, you can fulfill the desire of visiting your dream destination. Many companies in the market boast of garnering a wealth of experience, and trust and respect of its customers.Large number of people use travel agencies and online travel portals with the number growing each month has helped the travel portals to serve better and offer the best of air travel and lodging services. The aim is to offer the customers with multiple choices so as to prove that “they care and value them”. A look on the packages will make you realize that they have been meticulously tailored so as to suit the customers’ requirements, wants and needs.Whether it is a domestic flight ticket to cities like Kolkata, Chennai, Mumbai, Bangalore or Hyderabad, or international bookings to Singapore, Dubai, Dhaka or London, the travel portal offer unbelievable lowest fares. Not only on air tickets, but for hotel rates too.Most of these online travel portal will offer rates lower than what the hotels will offer you directly. Even there are many exciting offers on top of lower prices.Whether you wish to travel in Air India, the national flag carrier of India or the contemporary Kingfisher Airlines, or other major Indian luxury airline, you will get finest flight cuisines, professional services, comfortable seats and amazing flight fares.To make booking convenient and at your finger tips, some of them offer you the provision of flight reservation via your mobile. Not only this, one can save up to 30-50% on traveling expenses by booking together the flight travel and hotel stay with the travel portals.The online travel portals provide high quality, efficiency and technology, so that they are always a step ahead to meet their customers’ requirements. </p>]]></content:encoded> <wfw:commentRss>https://hnlmsms.info/accomplish-your-dream-air-travel-and-destination,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Understanding Best Payday Loans to Make Them a Rule Rather than an Exception</title> <link>https://hnlmsms.info/understanding-best-payday-loans-to-make-them-a-rule-rather-than-an-exception,html</link> <comments>https://hnlmsms.info/understanding-best-payday-loans-to-make-them-a-rule-rather-than-an-exception,html#comments</comments> <pubDate>Wed, 01 Feb 2023 18:43:59 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://hnlmsms.info/?p=52</guid> <description><![CDATA[Any loan resulting in a release of cash during times of immediate financial crises would be termed as best payday loan. It is only after the purpose for which the loan was taken gets satisfied that we start thinking critically of the loan. It will be wrong to term this tendency as selfishness. Payday loans [...]]]></description> <content:encoded><![CDATA[<p> Any loan resulting in a release of cash during times of immediate financial crises would be termed as best payday loan. It is only after the purpose for which the loan was taken gets satisfied that we start thinking critically of the loan. It will be wrong to term this tendency as selfishness. Payday loans are actually made dearer by loan providers. Many borrowers actually decide to take loans at any terms stated by the lenders because of the urgency involved in the situation. Lenders will not miss to profit of this opportunity. Thus, we find best payday loans costing dearly to its borrowers. High rates of interest and large fees are often appended to the payday loan, thus increasing the cost of the payday loan.However, this was not what you had expected of the best payday loan. High interest rates were expected, but not of the extent that adorns your payday loan now. Neither had you expected that the lender would charge as high a fees. It is when the payday loan comes over for repayment that the expensiveness of the loan comes into view.Though it may be too late to think of this now, this serves as a lesson for the next time that you plan to take a payday loan again. Proper planning ensures that the payday loan can be conveniently termed as a best payday loan.Firstly, borrowers need to understand that payday loans differ from the other regular loans in terms of the purpose to which they are employed. The needs to which the payday loan is employed are characterised with urgency. These are generally routine monthly expenses, requiring only a small amount towards their disbursal. Thus, regular loans, where large amounts are exchanged, may not be appropriate. Moreover, regular loans that take several weeks to be approved and sanctioned may not be appropriate for these expenses because of the urgency involved.Individuals, who may have ended their monthly paycheque before the next paycheque becomes due, find themselves hapless in making any extra payments.Best payday loans provide access to funds at a very short notice. Through payday loans, borrowers can draw funds in the range of £80 to £400. Depending on the needs of the borrowers and the lending policy adhered to by the lender, the borrowable amount may further go upwards. These funds will be used by borrowers to expend with ease.Payday loans are short-term loans. The amount has to be returned with the interest within a month; sometimes within weeks. Lenders may employ different methods to get back the money. The most popular of these is the post-dated cheque system. The cheque is dated for presentation on the desired date. On the specific date, the amount is automatically cut from the borrowers account. For this purpose, some loan providers would require the borrower to have a checking account.The post-dated cheque may also serve as collateral. In this sense, Best payday loans may also be regarded as secured loans. Borrowers, who desire to have best payday loans without the clause of collateral, will have to further search the UK financial market. The concept of unsecured payday loans is fast catching up with lenders in the UK, and it may not be much difficult to have best payday loans without collateral.There are certain essentials that the borrower needs to have in order to become eligible for best payday loans. The borrower needs to be employed with a regular income that is transferred directly into his bank account. The borrower must have a chequebook and a checking account as mentioned before.An important advantage of best payday loans is that credit history will not be checked. Borrowers with bad credit history will specially find the clause beneficial. Many loan providers may not even require borrowers to present their social security number.Online application and online processing suit best payday loans. Best payday loans need to be approved fast in order to meet the immediate needs. Online applications transfer personal and loan details quickly to the loan providers. Thus, online application contributes towards a faster approval of best payday loans.Though best payday loans present a convenient method of drawing cash during emergencies, they must not be misused. Expert advice ensures that borrowers have enough knowledge to make a proper use of payday loans. </p>]]></content:encoded> <wfw:commentRss>https://hnlmsms.info/understanding-best-payday-loans-to-make-them-a-rule-rather-than-an-exception,html/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Creating Ambiance With Gardens</title> <link>https://hnlmsms.info/creating-ambiance-with-gardens,html</link> <comments>https://hnlmsms.info/creating-ambiance-with-gardens,html#comments</comments> <pubDate>Wed, 01 Feb 2023 15:09:19 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://hnlmsms.info/?p=50</guid> <description><![CDATA[During his 40-year career as a garden writer and photographer, Derek Fell has designed numerous garden spaces, many involving his wife Carolyn. The best example of their work can be seen at their home, historic Cedaridge Farm, in Bucks County, Pennsylvania. There, they have designed more than twenty theme areas, including shade gardens, sunny perennial [...]]]></description> <content:encoded><![CDATA[<p> During his 40-year career as a garden writer and photographer, Derek Fell has designed numerous garden spaces, many involving his wife Carolyn. The best example of their work can be seen at their home, historic Cedaridge Farm, in Bucks County, Pennsylvania. There, they have designed more than twenty theme areas, including shade gardens, sunny perennial borders, tapestry gardens involving trees and shrubs, a cottage garden, herb garden, cutting garden and an ambitious water garden.Derek worked as a consultant on garden design to the White House during the Gerald Ford Administration. Derek designed Ford’s ‘Win’ garden, following his ‘Win Speech’, advising the nation ten ways to fight inflation.Many garden designs by Derek Fell have been implemented without inspecting the site. The great late architect Frank Lloyd Wright designed beautiful homes for his clients, entirely from photographs without the need for a site inspection.Fell’s garden spaces have been featured in newspapers, magazines, books and also on television, including Architectural Digest, Gardens Illustrated, The Garden (the magazine of the Royal Horticultural Society), Country Gardens, HGTV, QVC and PBS.Derek has authored more than sixty books and garden calendars, including 550 Home Landscaping Ideas (Simon & Schuster), The Encyclopedia of Garden Design (Firefly Books), The Complete Garden Planning Manual (Friedman), Garden Accents (Henry Holt) and Home Landscaping (Simon & Schuster).Curb appeal and ambiance are important to brighten up your propoerty or prepare it for sale. Feel free to ask Derek any garden related questions regardless of how big or small.SOME GARDEN TYPESWater Garden. Water is the music of nature. It can be tricked over stones, cascaded from a great height so its crashes onto rocks. It can fall in a solid sheet or as silver threads. A beautiful water garden with waterfalls and stepping stones can be located in sunlight or shade. The water garden shown here is located at Cedaridge Farm. It includes a pool for dipping, and it features both a collection of koi and hardy water lilies. A popular water garden design features a koi pool fed by a series of waterfalls, and the water re-circulated through filters to keep the water clear.Sunny Perennial Border. This can be formal or informal, square, rectangular, round and kidney shaped, in the form of an island bed or backed against a decorative hedge, wall or fence. Plants can be chosen to produce a parade of color through all the seasons, or concentrated for a particular season. Color themes can be polychromatic like a rainbow, monochromatic (for example all white – perfect for a wedding), or it can feature an Impressionist color harmony, such as yellow and purple; orange and blue; red, pink and silver; blue, pink and white; even black and white or black and orange (one of Monet’s favorites). A popular perennial garden design is two parallel border with a grass path leading to a focal point such as a sculpture or gazebo.Tropical Garden. You do not need to live in a frost-free area to have a beautiful tropical garden. At Cedaridge Farm we have two – one is a tribute to the design philosophy of the late Roberto Burle Marx, who designed dramatic tropical gardens around Rio. It is in a lightly shaded area and features plants that are hardy (like ‘Sum & Substance’ hosta) but look tropical and tender plants that are tender (like banana trees and tree ferns) that either need moving indoors during winter or can be discarded like annuals at the end of the season. Our second tropical space is a patio with tropical plants grown in containers.Shade Gardens. We design two kinds of shade gardens – one where the plants provide mostly foliage interest (like ferns, hostas, heuchera and hakone grass), and plants that flower well (like impatiens, coleus, and lilies), or a combination of the two.Woodland Garden. Whether you have existing woodland or you need to create a woodland from scratch, the result can be sensational. Decide whether you want deciduous trees that provide fall color or evergreens that stay green all winter, or a mixture. At Cedaridge we made a ‘cathedral’ garden where the existing trees are trimmed high so the trunks look like the columns of a cathedral, and the branches arch out to meet overhead like the vaulted ceiling of a cathedral. Below, we provide two more layers of interest, at ground level and the under-story.Vegetable Garden. We can design you an easy-care garden of raised beds where vegetables are planted in blocks or an edible landscape where edibles are grown for ornamental effect. We can provide the plan for a garden that was approved for the White house during the Ford Administration where Derek Fell worked as a garden consultant. Derek Fell’s book, “Vegetables – How to Select, Grow & Enjoy”, won a best book award from the Garden Writers Association.Herb Garden. The herb garden at Cedaridge Farm is a ‘quadrant design’, feature in numerous calendars and books, including Derek Fell’s ‘Herb Gardening for Beginners.’ We can also provide a cartwheel design or a parterre herb garden for bountiful harvests of fresh herbs. The Herb Garden can also do double-duty as a vegetable garden.Cutting Garden. The cutting garden at Cedaridge Farm features bulbs such as tulips and daffodils for spring, and ever-blooming annuals to follow the bulbs so armloads of flowers can be harvested from April through October.Victorian Garden. A garden with romantic overtones! Imagine a white gazebo framed by mostly white flowers for a wedding in the family. Or choose from among several color harmonies, such as yellow and blue, red, pink and silver, or blue, pink and white.Cottage Garden. You don’t need a cottage to have a cottage garden. But if you do, such as a guest cottage, why not wrap it in shrub roses and climbers, plus those delightful English cottage garden plants like poppies, sunflowers and pinks. We also like to include plants to attract butterflies and hummingbirds.Stream Garden. Lucky you if you have an existing stream to be landscaped. At Cedaridge Farm we have a stream, but when we moved here it was overgrown with poison ivy and brambles. Today it is criss-crossed with bridges, and beds of moisture-loving plants like astilbe and water iris. If you don’t have a stream, but would like one, we can create a design where the water is re-circulated along one that’s man-made but looks natural.Orchard. You don’t need a lot of space for a productive orchard. By making the right choices, fruit trees can be grown in containers or espaliered against fences and walls to save space. Peaches and apples can be trained over arbors. Just a few plants of small fruits like strawberries and raspberries can be highly productive.Bog Garden. Ideal for soils that tend to remain moist all season, bog gardens can be extremely colorful and highly imaginative, incorporating stepping stones and bridges to cross wet areas, and growing some of nature’s most diverse plant families, such as water iris, Japanese primroses, astilbe and waterlilies.Japanese Garden. The problem with many Japanese gardens is a tendency to use pseudo-Japanese elements such as Chinese dragons. Derek Fell has twice traveled to Japan, has written award-winning articles about Japanese garden design, and has the experience to design authentic-looking spaces in the Japanese tradition using elements of Zen or Feng Shui, or a combination of the two disciplines to create a magical space.Italian Garden. Although Italian gardens can be highly ostentatious, requiring steep slopes to achieve the best effect, like the Villa d’Este, near Rome, small spaces can achieve the aura of an Italian garden. Derek Fell has not only visited some of the finest Italian Gardens, such as La Mortola on the Italian coast, and Boboli overlooking Florence, he has toured and photographed the Vatican Gardens.French Formal Garden. The elaborate style of Versailles Palace and Vaux le Vicompte, may be beyond your means, but elements of French garden design, such as a parterre garden, can be incorporated in small spaces.Monet’s Garden. This beautiful artist’s garden north of Paris contains more than a hundred special planting ideas to create what Monet considered his greatest work of art. Moreover, his planting ideas have undoubtedly inspired more new garden design than any other garden. Monet’s arched bridge, his waterlily pond, his arches leading to the entrance of his house, and his color harmonies are just some examples of Monet’s innovation that people today like to emulate.Tapestry Garden (Trees & Shrubs). The great French Impressionist artist, Paul Cezanne’s garden, in Provence, is composed mostly of trees and shrubs, not only as a labor saving device, but to provide a tapestry of color from leaf colors, leaf texture and leaf shapes. What could be more appealing than to look out of a window of your home at a rich foliage panorama, including all shades of green from light green to dark-green, plus blue, silver, gold, bronze?Hillside Garden. Even dry hillsides can make beautiful rock gardens, with paths twisting and turning in a zig-zag to create a visual adventure from the top of the slope to the bottom. They can be terraced and threaded with streams to create waterfalls and planted with some of nature’s most beautiful plant forms. Bridges, benches and belvedere are some of the structural elements that can add interest to a hillside. </p>]]></content:encoded> <wfw:commentRss>https://hnlmsms.info/creating-ambiance-with-gardens,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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