Online Savings – 10 ways to save money this week

They want to save money, without all your time? ‘re In the right place. Save time and money with these links. Here are ten things you can do to save money right now.

1. Add online savings groups. There are hundreds of online forums, in conjunction with others who want to save. Have links to printable coupons for free, saving newsletters, sales and market knowledge and time.

2. Start clipping coupons. Yes, couponsback. The bond that producers of an economy in decline. You want to continue using their products to consumers and to keep the scoring head.

3. Shop with coupons. Several retail chains have special clothing coupons that are good for now slow. Many of them are in the morning or afternoon to work on weekends, so that consumers can also take advantage of discounts.

4. Do not buy! If you think you want something, you take the time to decide whetheror not.

If you wait 24 hours and still want an item, then buy. You’ll probably forget all about this cute pink blouse, as the day goes.

5. No food. You can save $ 50 – $ 100 a week from packing lunch or dinner in the country. There are some free sites that offer excellent food ad budget.

6. Bill to pay online to save postage. Almost all banks and utilities are free payment options online.

7. Start the revocation orSubscriptions do not use anymore.

8. Check your wireless plan. Most companies offer a change of provider that you save money. When not at the moment, you can get $ 30 a month, except in the case of a revision of its package of mobile telephony.

9. Parking. If you really do not need to make additional trips.

We are so conditioned to jump in the car and ran. Shopping Group tours and shopping in one day. Save time andMoney.

10. Keep a list of all the goods or services costing more than $ 10, you must buy this week. Check the list twice, if you really need to online billing to see if the manufacturer does not offer discounts or coupons before you buy.

Substitute To Smoking Electronic Using tobacco(elektroniske cigaretter)

It is a new invention that everyone who smokes should know. This is called the (cigarro electronico), also known as a smokeless cigarette e-cigarette(sigarette elettroniche), and it is to change the legal landscape for cigarette smokers in the world.
The patented Electronic Cigarette(elektroniskas cigaretes) offers to effectively simulate the experience of smoking a real cigarette, without any of the legal and health issues surrounding traditional cigarettes.

While(elektronines cigaretes) look, feel and taste much like traditional cigarette, they work very differently. You see, do not burn tobacco, but when you inhale an e-cigarette, you must enable a “flow censor,” which releases a vapor containing nicotine, propylene glycol and a scent that simulates the taste of tobacco. All this simply means that the(cigarros electronicos) allow you to get your dose of nicotine while avoiding all the carcinogens in traditional cigarettes such as tar, glue, hundreds of additives and hydrocarbons.
In addition to being healthier than conventional cigarettes, and perhaps most important, is the fact that(sigarette elettroniche) are perfectly legal. Sincse the cigarro electronico) is not related to tobacco, you can legally burn them anywhere that traditional cigarettes are prohibited such as bars, restaurants, workplaces, even airplanes. In addition, e-cigarette(cigarettes electroniques) you can smoke without fear of harming others because of cigarette(cigarro) smoking bad.

Cartridges are available in a wide variety of tastes and strengths of nicotine. For regular, menthol, also the apple and strawberry flavor cartridges and nicotine strengths come in full, a medium, light, and no. While elektroniskas cigaretes) are technically “alternative to smoking”, rather than smoking cessation device, the range of nicotine strengths offers clear opportunities to support those trying to quit smoking, and seems to be proving to be popular in these markets.

The nice thing about that you say, nicotine patches, that give the same tactile sensation and oral fixation that the desire of smokers, while satisfying the desires of snuff as well. When you take a drag n electronic cigarette really feel your lungs fill with smoke flavored snuff warm and the waves of smoke exhaled from your lungs as the regular snuff, however, as mentioned, the smoke is actually a lot more water vapor that evaporates quickly heals and not offend anyone in the vicinity.

Although the have been around for a while ‘in various incarnations, is of recent developments in technology and increased restrictions on smoking that have led the e-cigarette can be found in the new popularity. If you are interested in a healthier alternative to smoking, or if you just want the freedom to smoke wherever and whenever you want, the electronic cigarette could be the solution you’re looking for.

Fashion Shopping For Tall Ladies

Shopping for a tall lady, 5’9″ and up, is a difficult task. You have to consider the inseam on slacks and jeans, the length of sleeves and where the waistline falls. Being 5’10”, I am notorious for taking the hem out of pants.

Places NOT to shop:

When shopping for pants that cater to taller women, you want to stray away from Bebe, Victoria Secret, Metro Style, Macys,Dillards, and Banana Republic. Trust me. I have tried slacks from ALL of the stores above and none of them quite seem long enough. Every now and again Bebe, which caters to petites, will carry a pair of slacks with an inseam greater than 33 inches.

Where TO shop:

When shopping for slacks and you are tall. The internet is your friend. While the selection of tall slacks in stores such as Banana Republic and Ann Taylor may be limited, these stores offer longer inseams when shopping online. J Crew is another store that offers a great tall selection online. If you would like to walk into a store for slacks, The Gap, Express and New York and Company carry longer lengths in slacks.

Denim

When shopping for denim jeans for tall ladies, the same stores listed above will work. However, if you are into designer denim, you would want to learn which brands cater to tall ladies. Rock and Republic and Seven of all Mankind have longer inseams. When shopping for denim for someone 5’9″ or over, you would want to look for a 34 inch inseam. Designer denim brands like True Religion and Citizens of Humanity, cater to shorter ladies.

10 Shopping Tips – Fashionable Finds Are Possible For Under $25!

When it comes to shopping sometimes the $20 sandals flatter you more than the $400 designer sandals. Style is not in the price, but in your approach. You can get more for less if you are savvy about your shopping. Fashionable finds are possible for under $25. How do you do it? Here are 10 Tips to think about when you’re out on a shopping expedition:

1. You Can Find Deals in Unexpected Places.

I got a purse for a steal at a Nine West shoe store in New Jersey. Not a shop I would normally think of to buy a purse. But I spotted it in the front window and fell in love. (Although maybe not as deeply as with my husband.) When I went into the store to ask a sales clerk about it, I thought this gorgeous tan satchel would be expensive. It looks like something that would be appropriate in Grace Kelly’s or Audrey Hepburn’s wardrobe closet. But now it’s in my closet.

2. Set Your Budget and Stick with It.

Yes, you’ve probably heard this before. However, forced to work within a box, you will come up with creative ideas. One year for Christmas, I set a working budget of $25 each for my nieces and nephew. Instead of getting them each one gift, I got them a number of small funky gifts and they each had 3 presents to open. It made opening gifts more exciting for them.

3. Read fashion magazines to get an idea of the trends.

Many clothing companies with budget-happy fashion lines will replicate the “look” or “feel” of pricey designer fashion. I read everything from New York magazine and the NY Times Fashion to Vogue, Elle and fashion catalogs to see what’s happening out in the fashion world. Go to your nearest public library and those fashion mags are FREE! If you learn what is cutting edge then believe me you will find cheaper versions of the trends. Or you will learn how to put an outfit together in your own expressive way.

4. You can find reasonably priced gifts at even the most expensive stores.

For example when I go online to Saks Fifth Avenue I can look under the gift category “Under $50.” Today for “$25 and under” I find: a Kate Spade notecard set, a hip style book on Dolce and Gabbana and Fresh waterlily soap—all would make lovely gifts. The price is so reasonable for the soap you could even include a little something else so that the recipient has another gift to open–always more fun. Go to a pricey chocolate shop. Then buy the smallest, but always tasteful box, sometimes under $15. Put it in a nice gift bag with the heavenly scented waterlily soap. Your gift card can read: “You deserve a little elegance in your life.” What friend wouldn’t be flattered.

5. Be open to new opportunities.

When I travel to new cities I like to explore new shops. I usually end up in the artsy section of town. To me that means galleries, museums, maybe a university–and fun shopping. I collect business cards of the stores I love and make notes or take pictures of what they have so I can call them and order from them later. If a town has a college or university it has plenty of stores with low prices to satisfy the students. And me too.

6. Know your own style.

Allow your self the luxury of an expensive item that you just can’t pass on. Especially if it defines “YOU.” Find deals for other purchases. I coveted a $99 sweater from J.Crew, but then I bought a purse for only $20 for a wedding. You can justify the expensive purchase. The sweater will last for years, amortizing into less money. If I wear the sweater often, cost-wise it pays for itself, while the wedding purse I might only use that one time.

7. Accessories are inexpensive ways to refashion the look of your outfit.

An $8.00 leopard print scarf I bought at H&M compliments my chartreuse cardigan, jeans and black boots. It’s a dressy-casual look that suits my style. And the scarf goes just as well with a knit purple dress and heels. A few strategically picked accessories means less outfits to buy.

8. Consider buying your purchases in the months they are traditionally on sale.

If you’re not in a rush to buy new towels then why not wait until January or August. Or if you thinking of painting your bedroom Robin Egg blue, that paint will be cheaper in April.

9. Sign up for email blasts from your favorite stores.

Stores will alert you to their sales and often give email subscribers exclusive discounts. You will learn about sales before the average customer. Then instead of spending a fortune on the skirt you admired earlier in the season you can scoop it up at a bargain.

10. Shop from your home and comparison shop online.

Yeah, why not. Shop in your pjs, my favorite way to shop. What do you think?

Thrifty Car Rentals – Tripling Your Savings

Thrifty car rentals are becoming popular as an option for people who hardly drive their car except on extended trips. Then there are those people who would prefer not to use their own car on trips over uncertain roads for fear of the wear and tear in will cause. People also rent cars to upgrade or downgrade on the size of the car that they own. For instance, an architect might own a large SUV which he uses for bringing his materials to his projects. For non-business trips, the car has much more room that he requires and more engine power than he ever needs to avail of. So he visits a thrifty car rental to get a smaller car for his daily use. Again people might want to rent a car because they are interested in buying that exact same model but just want to try it out first for a week before actually making that purchase.

If you are thinking of a renting a car, you should know that they usually cost less than the up-front price. This is because thrifty car rental companies offer discount bonuses on most cars and at most times of the year. Discount bonuses can shave of from 10% to 50% of the amount you need to pay after renting it. Price shave-offs can be availed of if you rent on weekends or during off-peak season. You can also have price reduction on the average cost if you rent for a week or a month. The specifics for extended rental discounts may vary from company to company, but they are always there.

Right now, the going price for high-powered cars, has gone down with the recession. Due to the need to save, people are buying cars with less power and smaller build. The result is that cars like the SUV are rented out instead of sold. Now would be the right time to try out renting a SUV from a thrifty car rental. This car is ideal for outdoor adventures on virgin terrain, like camping in the wild or fishing out in a secluded lake. The SUV is also ideal for visiting friends who live in isolated areas.

Before renting for an extended period, you need to consider the amenities or accessories that are included or excluded for monthly or yearly rental plans. Before settling on a monthly rental plan, be sure to calculate whether renting daily for 28 days will cost more than an outright 30-day plan. There are some thrifty car rental companies whose price structure sets a higher basic rate for monthly plans. If such is the case, there may be amenities or add-ons for monthly rentals that you are not aware of. Ask the personnel about it.

Other than the basic discounts on the rental fees of thrifty car rentals, some offer discount coupons for tourist spots, hotels and restaurants. These discount coupons are issued by the establishments to encourage more visitors to their place. Among these establishments, you have Disneyland, Sea World and even Universal Studios. Holiday Inn and Grand Hyatt are two hotels that offer discount coupons for travelers.

The Life Cycle of Acquisition-Based Companies

A few years ago, I was discussing this phenomenon with the CEO of one of our clients. His company had grown almost entirely through acquisition, and for several years the company had experienced revenue growth rates exceeding 20%. However, the company had plateaued with respect to earnings, and looking at their overall performance it became clear to him (and to the Wall Street analysts that watched his company) that a great deal of money had been left on the table. Working with that CEO, I developed a model called the ACL Life Cycle. Understanding and using the ACL Life Cycle has proven enormously beneficial to clients depending on an M&A strategy for continued growth.

The ACL Life Cycle

The ACL Life Cycle describes the maturation process of companies who grow substantially through acquisitions and mergers. Using the ACL model, we can clearly identify the company’s current position. Knowing that position, and then looking forward at the company’s financial objectives through the lens of their business strategies, the specific actions that are needed become clear. Those actions can then be formed into an executable plan with associated performance measures, and managed through completion to bring the overall enterprise to heightened levels of financial performance. It is important for acquisition-oriented executives to understand the major phases and characteristics of the ACL Life Cycle.

Businesses who have survived one or more acquisitions and/or mergers are usually left with some degree of disintegration among their processes and systems. A company’s success in reaching the financial objectives of the merger or acquisition is directly correlated with the degree to which that disintegration has been replaced by a set of business processes and information systems that are common enough to generate enterprise-wide leverage. Implicit in that commonality is enterprise-level direction and guidance, manifested in company-wide business strategies and performance measures that align all of the combined business units. These businesses move, in this post-acquisition or post-merger environment, from an acquisition-based operating model to one characterized by shared services and a general commonization, to a stage where the enterprise “whole” really is able to become something greater than the sum of its business unit “parts”. It is more than the typical cost-reduction synergy anticipated in most of these transactions; it is a new platform for innovation, and an even higher level of innovation-based leverage.

Companies who experience substantive growth as a result of business acquisitions typically follow the ACL life cycle. ACL in this context stands for: Acquisition, Commonization, and Leverage. Many companies never leave the first stage of this maturity scale, and still more remain at the second stage. The most successful companies are usually those who recognize the importance of moving through all three stages, and consistently implement a structured process for doing so.
All companies experience pressures that push them toward decentralized operations, including idiosyncrasies of specific market niches served, the uniquenesses of isolated business processes, unusual needs of specific customer populations, and Uncategorized organizational entropy. At the same time, most of the companies that are successful in achieving the financial performance objectives established for the newly merged enterprise manage to overcome those challenges, electing to pursue the advantages of leverage, including:

  • broad synergistic brand recognition, enabling cross-selling, bundling of products and services, and improving revenue
  • interchangeability of business process resources, enabling the company to reduce its asset base
  • commonality and scalability in equipment / skills / facilities, facilitating innovation and growth into additional markets
  • higher utilization of business assets, reducing unit cost
  • lower levels of redundancy, resulting in reduced operating costs

These companies also typically find that maintaining compliance with financial reporting standards such as Sarbanes-Oxley requirements are enhanced as a result of strengthened internal controls.
Some companies make a deliberate decision to remain “holding companies”, which simply buy and sell diverse businesses that have only marginal relationships with one another. These conglomerates prefer to manage the portfolio through buying and selling components, and allowing the leadership teams at the individual companies to manage ongoing operations from strategy through execution. A few of them have been quite successful, and this article is sometimes not as directly applicable to those at a corporate level. It works very well, however, for their major divisions. Companies that benefit most from understanding the three stages of the ACL Life Cycle are those companies who have decided to focus on a single core industry – Aerospace & Defense, Automotive, Chemicals and Polymers, Textiles, Electronics, Telecommunications, Consumer Products, Medical Equipment producers, Healthcare providers, and Financial Services providers are all good candidates. 

The Acquisition Stage of the ACL Life Cycle

Companies in the Acquisition Stageof their life cycles are usually focused on revenue growth, and capturing market share. They are characterized by high levels of autonomy in management, in the reporting of site-level data to the corporate parent, and in the design of their business processes and systems. Companies who remain in this stage for long periods of time following acquisitions usually act as holding companies, with the corporation allowing individual divisions or sites to operate almost as independent companies with their own P&L, strategic plans, and market-facing branding. Often, companies in the Acquisition stage lack a common vision of the future of the overall business, and tend to operate at cross-purposes among the operating units. They sometimes even compete against one another for the same customers. They share little operating information, making it nearly impossible to coordinate and deploy “best practices”, effectively distribute work load, utilize general market intelligence, and grasp other elements that could provide corporate-wide leverage of the businesses’ assets and resources. A few industry-specific examples here should help to illustrate the situation:

Manufacturing companies in the acquisition stage are usually characterized by redundancies in raw materials, equipment, staffing, and other business resources. Because manufacturing companies are relatively material-intense, a great deal of cost can be tied up in raw materials, work-in-process, and finished goods. Since acquisition stage companies have so little visibility between business units, there is little opportunity for them to reallocate these assets in order to use them effectively. As a result, the most costly resources remain the most underutilized. In addition, acquisition-stage companies have not centralized the management of even commodity-level business processes, such as finance, human resources, and information technology. This lack of centralization leaves additional inefficiencies in place around accounting staff, employee benefits provider subscriptions, business software applications, data centers, and computing equipment. 

Telecommunications companies in the acquisition stage also have unrealized opportunities for greater leverage from their business assets, but these more often take the form of redundancies in network equipment, network coverage, retail outlets, partner agreements related to the sale of their products, and interconnection agreements with other carriers. In addition, acquisition stage telecom companies often have a substantial amount of unrealized leverage in the lack of integration among the data bases and information of their various divisions that could enable shared service operations for commodity-type processes such as billing and cross-selling of products and services. Like manufacturing companies, telecom companies in the acquisition stage also typically have unexploited opportunities around the consolidation of data centers and related equipment and staffing.

Healthcare providers in the acquisition stage usually find opportunities in different areas of their businesses, because of the differing cost structure of their operations. The bulk of their costs and their opportunities while in the acquisition stage of maturity in the ACL Life Cycle are related to employee salaries & benefits, and to medical supplies and drugs. It is less common for these businesses to be able to effectively share inventories and equipment, since the nature of their business is rooted in community health care that requires local service provision. The opportunities that do exist, which are typically not exploited well in acquisition stage health care companies, are related to centralizing commodity type business processes such as finance, human resources, and information systems, and leveraging required service and supply procurement across the enterprise. 

Financial Services providers, such as banks, brokerages, credit unions, financial planning companies and tax & audit services exhibit yet another cost profile, with the largest elements typically including personnel and occupancy costs. In these businesses, like health care provision, being where the customers are is critical. The companies’ ability to understand the changing demographics and match up their branches as well as their skills to the targeted customer base is often a differentiator between the companies that succeed and those that fail. Financial services providers who are still in the acquisition stage of maturity in the ACL Life Cycle often do not have the commonality in fundamental business processes and systems to readily reconfigure their operations to meet the changing needs of their marketplace. Their acquisitions or mergers have enabled them to grow horizontally, typically into adjacent markets. However, lacking an adequate foundation of commonality in processes and systems, there is substantial money left on the proverbial table as a result of ineffective resource deployment, and delays in the reporting of operational performance data that would enable the company to be more responsive. These companies also fail, in their acquisition stage, to take advantage of their larger purchasing power to gain leverage around purchased services spanning items as diverse as employee health care and branch-level office supplies.   

The Commonization Stage of the ACL Life Cycle

Companies in the Commonization Stage of their life cycles have usually awakened to the value of focusing on Return on Net Assets (RONA) and Return on Invested Capital (ROIC). In order to begin to capture improvements in these areas, companies in the Commonization Stage often turn to shared service models of operations for selected business processes and systems. Strategies and performance measures begin to crystallize around common themes that span multiple operating units or divisions. Among the areas of focus for a shared service model in this stage are Finance (A/R, A/P, General Ledger, and Financial Reporting), Human Resources (Payroll, Benefits, and Employment Records), and Information Technology (Computer Hardware, Network Administration, and selected Software Applications Management). Some companies in the Commonization Stage also move Procurement and other aspects of Materials Management to a shared service model, enabling the corporation to more effectively leverage its broadest possible purchasing power.

Manufacturing companies in the commonization stage of maturity typically have shared services in place for commodity types of business processes such as finance, human resources, and information systems management. As they advance through the commonization phase, some of them also begin to pull together a common platform for procurement, encompassing at least their most costly and common raw materials. A few in this stage reach a point where their data center
operations are completely centralized, and may even be outsourced to a third party like CSC. Toward the end of the commonization phase, centralization of work deployment and capacity utilization as well as process quality emerge as companies begin to deploy common processes and systems in customer requirements management, enterprise requirements planning, manufacturing execution systems, and distribution management systems. 

Telecommunications companies in the commonization stage of maturity also typically have shared services in place for commodity types of business processes such as finance, human resources, and information systems management. As they advance in maturity through this stage, telecoms also become aware of the available leverage in centralizing the management of some of their most valuable assets. However, unlike the manufacturer’s raw material focus, for telecommunications operations those elements are things like spectrum licenses, network equipment, connection agreements, partner agreements, distribution centers, and retail outlets. Centralizing the management of those assets to identify overlaps and redundancies enables telecoms to emerge from the commonization stage with much more effectively leveraged business assets, providing broader market coverage with a lower total asset base and generating much higher earnings on that consolidated foundation.

Healthcare companies in the commonization phase of maturity find substantial benefit in the commonization and centralization of their commodity type processes and systems.  This is primarily because of the impact on cash flow and earnings when the employee base is reduced through shared services, and employee benefits and supplies are both leveraged in terms of the broader purchasing power of the company following a business acquisition of significant size. However, there is also an especially rich opportunity available to healthcare companies in the commonization stage that stems form the leverage available related to insurance coverage – not for the employees directly, but covering the potential liability of the company itself. This category of cost is typically about the third largest slice of the pie, and significant reductions there can translate quickly to a meaningful earnings impact. 

 Financial services providers in the commonization stage of the ACL Life Cycle, like healthcare providers, often find substantial benefit in the commonization and centralization of their commodity type processes and systems. With roughly half of their cost of operations wrapped up in employee salaries and benefits, there is an opportunity for meaningful impact on cash flow and earnings when the employee base is reduced through shared services, and employee benefits and supplies are both leveraged in terms of the broader purchasing power of the company following a business acquisition or merger. The next significant area for financial service providers in the commonization stage is the capability for rapid reconfiguration of the business based on enterprise-wide visibility of operational data and market intelligence.

The Leverage Stage of the ACL Life Cycle

Companies in the Leverage Stage of their life cycles are usually embarked on a fierce drive toward adding real value. They are relentless in their efforts to fully utilize the assets of the entire corporation, driving out redundancy and its associated costs. They are then able to pivot on the fulcrum of those more agile processes and systems to implement innovations that foster organic growth resulting in greater market share, greater revenue, and improved earnings for their shareholders. Leverage Stage companies also establish a structured and repetitive process of assimilating new businesses, gathering and incorporating market intelligence into company-wide strategies, and innovating on the basis of these new combinations to capture additional market segments. These companies are characterized by coordination and centralization of major business functions such as the planning and allocation of R&D, production work, inventories, raw material purchases, personnel, and factories & equipment. They centrally manage a broad spectrum of common business processes and systems, including customer requirements management, product data management, enterprise requirements planning, manufacturing execution systems, and logistics management. They are constantly changing, evaluating and configuring business assets to meet future market needs, acquiring and developing new businesses, and shedding assets that no longer fit their evolving model.

Manufacturing companies in the leverage stage of maturity typically have shared services in place for most of the critical business processes of their company, having reached beyond the commodity level processes and into those which deliver the most value to their customers. Examples include sales & marketing, order entry & customer service, capacity planning and management, production scheduling and shop floor control, and distribution requirements planning. As they move through the leverage stage of the ACL Life Cycle, some of these companies leverage the commonality of their processes and systems to produce innovative new products and services, identify additional market opportunities, and develop industry-changing relationships that reach through their supply chains. 

Telecommunications companies in the leverage stage of maturity also have shared services in place for most of the critical business processes of their company, including the seamless provisioning (often called “flow-through provisioning” by industry insiders) of all telephonic services to customers stemming from a single telephone conversation responding to an individual inquiry about a service. This type of capability is only enabled when all of the information from what have historically been disparate data bases is available in an intelligent form through excellent systems integration, based on exceptional levels of commonality and strength in enterprise-wide business processes.

Healthcare companies in the leverage stage of maturity have typically discovered and implemented leverage-based improvements in their major cost structure elements as a result of enterprise-wide information visibility flowing from systems integration and centralized management of critical business processes. Health care companies generally also have uniquely challenging business conditions related to three other areas where leverage level operations can be a powerful tool. 

The first of these areas is employee safety. Most health care organizations are spending a substantial amount of money in this regard, with training and documentation of company polices and safety-related practices requiring an increasing amount of company attention. The integration of systems and commonization of processes in a leverage stage health care company offers opportunities to more quickly incorporate internal best practices, externally imposed business requirements, and feedback about lessons learned across the entire health care organization regardless of geographic dispersion. Commonization and centralized management here can result in substantially lower cost, and more importantly, substantially higher and more uniform levels of employee safety. 

The second area is bad debt. The integration of customer data, and effectively interfacing a common set of enterprise-wide processes and systems with outside service providers such health maintenance organizations and insurance carriers, substantially reduces the amount of bad debt in leverage level health care companies. 

The third area, and perhaps the area of richest opportunity, is the area of patient medical information. This area is tricky because of legislation related to patient privacy and guidelines recently established for the maintenance and communication of patient medic
al information. However, one of the fundamental challenges faced by health care providers is the absence of available medical history, particularly when a patient is admitted to an emergency room or urgent care facility. Particularly when a patient is unable to respond to questions directly due to an incapacitation illness or injury, time can literally mean life or death. Making all necessary information available to the physicians and other health care professionals involved as quickly as possible is extremely important. When critical business processes and information systems for the management of this information are brought to an effective level of commonality, the rapid dissemination of the needed information can be greatly improved, while patients’ expectations around the privacy of their information are still met. 

Financial services companies in the leverage stage of maturity, like health care companies in some ways, must balance the needs of differing local customer geographies against the advantages of centralized management in critical business processes and systems. There is real value in allowing some latitude to local branch officers and customer-facing staff such as loan officers to accommodate the unique circumstances involved in specific cases. However, these companies often find that a significant advantage of the leverage provided by enterprise-wide commonization of processes and systems is the ability to see the nuances of differing markets at a corporate level, and recognize broader trends among those different markets more quickly and clearly than they could before. This improved visibility, in turn, enables management to reconfigure their service offerings, redeploy resources such as sales dollars, and organize sales campaigns for those specific markets more quickly than they could previously.  

The best of these companies, regardless of what industry they occupy, utilize their common platform of processes, systems, and information to understand the needs of their customers in unique ways, and fluidly translate those needs into the features of their products and services. A few, at the very top of the game, come to understand the customers’ needs even before the customer recognizes them, and when necessary they reconfigure their entire business to meet those needs, gaining unassailable competitive advantage. The enterprise-wide leverage they achieved as a result of carefully and skillfully handling the post-merger or post-acquisition integration of processes, systems, and data provided the platform from which innovation launched them to new levels of performance. Examples could as easily be provided for companies in pharmaceuticals, retail operations, or the food & beverage industry. The lessons learned and the techniques vary a little, but the principles are the same.

Internet Marketing Tip – Do You Grade Your Work?

When you were in school, your teacher graded every paper you did. Sometimes you got an A, sometimes your might have failed. Your internet content should be subjected to the same scrutiny, if you want success. Only by giving your content an accurate test and grade, can you determine your next steps. This is one of the basic steps you must learn to succeed.

Not all content and sales pages are created equal. Sometimes it takes only minor changes to give your site dramatic changes in performance. If you’re not testing, you’ll never know the success or failure of your efforts. This is one area most beginning internet marketers fail to implement, and may never know the reason for their failure.

One of the first things you must monitor and test is traffic to your site. You need to know if your efforts in creating backlinks, and spreading content around the internet is working. One of the best tools for accomplishing this task is Google Analytics. You will need a Google account to setup for Analytics. The instructions on Google’s site are very simple, and you should be able to easily add the code to your website.

If you are using a blog, you should be able to install a simple plug-in to activate Google Analytics, and just add your unique account code for this test. With Google Analytics installed, you will be able to get a daily report of changes in traffic, explore where your traffic comes from, and even see what keywords were used while searching. This information is invaluable. When you learn you are getting traffic on a specific phrase, you can optimize for it, and draw in even more traffic.

Google analytics will also allow you to track conversions or actions. By setting up properly you can test if your visitors are following the path you intended, and taking the actions you desire. This makes it very easy to adjust your offers, and then to analyze if the changes are increasing your conversion rates or not.

On free content sites you may not be able to use Analytics. A good example would be EzineArticles. In this case you need to rely on the articles views reported by EzineArticles, and to monitor incoming traffic to your primary site. You’ll be able to see the traffic being generated from EzineArticles and evaluate your effectiveness. You can even drill down and see specifically which articles are sending the traffic to your primary site.

This level of feedback from your traffic generating sites can be very beneficial. You can then test by changing titles, and changing your resource box to see exactly what contributes to higher traffic to your offers.

As you can see, your website, blogs and content all need to be graded just as thoroughly as your teachers did in school. Only by measuring your results can you make adjustments, keep the winners, and quit working on the losers. This internet marketing tip can be the difference between increasing your income every month, or watching your profit wither away. Start testing today, and soon you’ll be a statistics junkie, when you see the power of knowing your real results.

Enjoy your Devon holiday in a luxury cottage

The charming county of Devon is the ideal place to spend a vacation, whether it is a weekend getaway for a couple, family or friends. The wealth of diversity offered in Devon is unrivalled in England – there is so much to do here whether you wish to ramble through nature’s creations or indulge in more active sport. The list of attractions in Devon is endless, which is why visitors can never get enough of the place, and return to Devon time after time.

If you are a beach and water sports fanatic, Devon is ideal for you. There are so many beaches to list, but here are a few. Blackpool Sands has a Blue Flag award for cleanliness and provides breathtaking views; Slapton Sands has a great car park and is dog friendly; Bantham Beach is one of the best sandy beaches in Devon and is perfect for sandcastle making.

Devon also has several famous Rivers – River Dart is one of the most popular and is referred to as the ‘most beautiful river in England’. Here you can enjoy fishing and the scenery while going on a boat ride. There are numerous sporting activities for enthusiasts in Devon – the most popular include fishing, horse riding and golf.

If you prefer visiting historic towns and sites, then Devon has so much in store for you. Historic towns include Totnes, Ashburton, Dartmouth, Salcombe, Exeter and Plymouth to name a few. These towns have fascinating old buildings, houses, castles and gardens. Some of the most visited properties in Devon include Dartington Hall, Buckland Abbey, Castle Drogo, RHS Rosemoor Gardens and Saltram House.

There are several types of accommodation available in Devon.

From hotels to cottages, bed and breakfast establishments to apartments, camping to caravans, the options are numerous. A stay in a luxury cottage in Devon is one of the many ways that one can enjoy Devon, and guarantees that your holiday will be perfect.

Self catering luxury cottages in Devon are ideally located either close to the coast or else in the beautiful countryside. Either way, you can enjoy Devon in style. Cottages come with bedrooms and bathrooms which are comfortable and well equipped and come complete with kitchen, living room and dining room furniture. Typical luxury cottages in Devon come with several facilities such as TV/DVD players, washer/dryer, full cooker, fridge, freezer, dishwasher, garden furniture and sun umbrellas.

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Smokeless Cigarettes And Vaporized Nicotine

E-Cigarettes are known for containing not a single trace of tar. Smokeless cigarettes emit zero second hand smoke, and they never burn any kind of substance or use any forms of combustion. There are actually quite a few models of E-cigarettes that have built in safety features that are used to prevent a person from consuming too much nicotine. The device that is inside smokeless cigarettes is known as a smart chip, and it actually turns off the electric cigarette if there has been too much nicotine that has been delivered in a period of time that is unhealthy for users. When it comes to E-cigarettes there are refill cartridges that can be used for people who are trying to cut down their total consumption of nicotine.

These cartridges contain zero amounts of nicotine and produce only the harmless vapor. Many people require different dosing levels of nicotine, and that is ok. There are cartridges used with electronic cigarettes that range from zero, medium, and high amounts of nicotine content in them for those people that want lots of nicotine or none at all. Another added benefit for those people wanting to try out smokeless cigarettes, is the price of the refill cartridges. The price for the cartridges that E-cigarettes use is much less than what a person smoking tobacco cigarettes would pay.

Starter kits containing electric cigarettes are much less expensive overall than the price of tobacco cigarettes. Smart chips built right into the e-cigarettes shut down the device before a person smokes too much allowing for even more savings. One of the most beneficial reasons people choose to smoke smokeless cigarettes is simply because of the flexibility allowed with them. This flexibility allows an individual to smoke virtually anywhere they want because the smokeless cigarettes do not emit any kind of second hand smoke. This allows individuals to smoke indoors so they don’t have to abide by various smoking bans put into place for tobacco cigarettes.

Anyone who works at a job around people who smoke tobacco cigarettes know how obnoxious it can be. Smoking with smoke-free cigarettes improves the overall working environment. Getting a nicotine fix is economical now in places like airports, bars, clubs, and restaurants. Smoking alongside a person who is smoking tobacco cigarettes is also possible without worrying about emitting second hand smoke to other people. The main reason electric cigarettes do not bother anyone when smoking indoors is because they do not burn tobacco, so this makes them safe to smoke around other people.

E-cigarette510.com is an online e-cigarette store that combines quality hot selling smokeless cigarettes and low prices so everyone can join the new smokeless era. Now everyone can afford E-cigarettes and save money doing it. A typical smoker spends $5 a day on a pack of smokes which adds up to $150 each and every month with no end in sight. But with smokeless cigarettes you spend $29 to $69 once then maybe another $15 on some e-juice to refill your cartridges. Even if you continue to use e-cigarettes for the nicotine a typical smoker spends only $15 a month on e-juice refills. Huge savings no? It’s smart to check into it…