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1 |
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Steven Bonacorsi |
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Business/Team |
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2007-12-04 |
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 A Quick Win is an already developed solution idea linked to a known root cause. i.e., it allows your team to jump into the Improve Phase of Lean Six Sigma project. The only major determination left is how to implement, assuming the team has been granted the authority to make the change.
These Quick Wins are often identified in the Define or Measure phase. There is still a requirement to complete Define and Measure of the Lean Six Sigma project, to clarify scope and to be able to measure a change, but there is no need to go through Analyze Phase for this root cause and solution as they are already known.
When a small area, step, area, or section of a process has a known root cause and the solution is unknown, then it is best to apply the Japanese developed methods of continuous improvement called Kaizen. A Kaizen Event is essentially an accelerated DMAIC Define-Measure-Analyze-Improve-Control Project. A Kaizen focuses on specific improvement objectives such as Setup Reduction, 5S, Process Improvement, Line Balancing, etc... Although the Vision of the Future State may be in place, there is still a requirement to go through the Analyze Phase to determine HOW to make it happen as opposed to just how to implement a developed idea, as in the case of the Quick Win.
Benefits of Quick Improvement
Quick Wins provide momentum for the project by driving value, measured in dollars early, thus improving ROI (Return on Investment). Quick Wins also provide confidence to the broader organization that Lean Six Sigma is a viable approach to process improvement. Quick Wins also reduces stress on project team to Get Something Done!
When we find these opportunities there is no need to wait months for implementation. We should implement change as soon as possible to begin reaping the benefits. When we have a Quick Win, we by-pass the Analyze phase and move straight to Improve.
Quick Win Improvement Criteria
- Quick Wins have a minimal or no capital expenditure
- Low Risk
- Narrow and focused scope (they are not trying to fix the whole process, just a small piece)
- Buy-in to solutions by all Stakeholders
- Certainty (approximately 70-80% confidence) that the change will generate a positive impact
- Improvements may be Implemented Quickly (within 1-2 weeks, usually 1-3 days)
- The project team has the authority to implement the desired changes
- Root cause is known and solution obvious to all
Quick Win Examples
- Process Step Elimination
- Procedure Change
- Safety Stock Elimination (Just in Case Inventory)
- Communication Improvement
- Supplier Price Reduction
- Part Substitution
- Training on Best Practices
- Error Proof a Process Step
- Process Balancing or Layout
Quick Wins Cautions
Risk assessment must be an essential part of the Quick Win decision process. Communication with other process stakeholders should be done quickly to gain buy-in and approval. There is no need for surprises for anyone in the process. Everyone can help assess what are the potential Quick Win impacts on the Customers or Suppliers, Other functional areas, Cost and Benefit analysis, or other teams efforts.
Quick Improvement Control Plans
Quick Improvements, whether Quick Wins or Kaizen improvements, must have implemented Control
Plans in place before being considered complete. It is desirable to implement improvements as soon as possible but implementation without control can be worse than no implementation at all.
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2 |
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Ann McKee |
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Home Improvement/home improvement |
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2007-10-03 |
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Whether you want to spruce up your bathroom to make it a more calming space for you or you want to do it increase the resale value of your house, here are some quick inexpensive ways. The walls are biggest area of your bathroom and can be used to make the biggest impact. You will be surprised what a coat of paint can do to refresh the whole look of a bathroom.
If you plan on selling your house in the near future, use neutral colors on the wall and accent with bolder colors. Make sure you buy paint specially made for bathrooms as these are moisture resistant and easy to wipe clean. To personalize the walls get creative and stencil a border. A new shower curtain can be the focus of your "new" bathroom. Select a decorative shower curtain and build everything around it, even the wall color. This will ensure a themed and unified look to the entire space. Choose some special and decorative shower curtain hooks to add extra punch. You must buy coordinating window curtains and do not use mini blinds which give a very dated appearance.
A quick and easy trick to make plain tile look unique is by using tile transfers creatively. These are just like stickers and even come in embossed 3D look and go right on your existing tile. They are, of course, waterproof, washable and can be cleaned just like regular tile. You can also customize your other hard surface accessories with the same decals for a unified look. Replace accessories like tumblers, toothbrush holders, trays, lotion pumps, soap dishes, hamper and wastebaskets for an instant update to your bathroom. Use decorative baskets for scented soaps, candles, special lotions, and bath salts. Do not overdo the accessories because that will just create a cluttered look.
Select brightly colored or special towels and bath mats to further accent your room. Although the towels do not have to exactly match the shower and window curtain design, try to pick up one of the colors to stay with the theme. To keep within a low budget, you can take plain towels and sew on some lace or fringe to make them unique. If you are handy with a screw gun, replace your towel bars, towel rings, toilet paper holder and robe hooks. It will make a world of difference. Check out your local home improvement store for some of the new finishes like rustic bronze and brushed nickel to replace chrome which is now considered out-dated.
For finishing touches frame some calming prints or even pictures. Believe it or not the latest trend is to use personal photos in relaxing backgrounds like the beach or boating for the bathroom. A couple of indoor house plants will help bring some life and color into your bathroom. Do not worry if you do not have a green thumb because plants do very well in this humid environment. Go ahead and try some or even all of the above ideas for a quick and easy update to your bathroom and you will see what a difference it can make.
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3 |
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Brad MacLiver |
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Business/Business |
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2008-01-03 |
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Quick Qualifiers
Funding Sources are looking for transactions that offer them an adequate rate of return on the money they invest in quality transactions. Clients are looking for funding that will assist them grow their business allowing them to make more profit. Match the two and you have a good transaction.
Simple enough - right????
There are literally millions of people looking for funding. On the Internet a person can find millions of web sites offering funding services.
All of us are constrained by the number of hours in a day, so we need to work with deals that have the highest potential of closing. We don’t have time to look at the millions of potentials. We need realistic deals, cooperative clients, and deals based on sound financial reasoning. We don’t need sales hype and blue sky promises.
The biggest mistake most Financial Consultants make is they chase deals and waste time on transactions that will never close. With the right process, these deals could be quickly eliminated. The biggest mistake Clients make is thinking that they can receive millions in funding with sales hype, instead of proving the financial soundness of their transaction.
How do you qualify a potential business loan or venture capital deal?
The Project Corporation uses a simple system to quickly qualify prospects. Clients provide an Executive Summary .
that provides clear and concise information to specific questions, in a one page format that a person can quickly read.
How the Client answers the questions, if they skip questions, or if they provide vague answers reveals a lot. Due to time constraints someone, reviewing an Executive Summary is going to make quick decisions based on the information provided.
Do you expect to get a job when you have a sloppy or incomplete Resume? Then should you expect to receive millions in business loans or venture capital when inadequate information is provided? I am amazed everyday at how many people are looking for funding, but are unable to provide adequate information even on the very basic questions that are initially asked. (Questions get tougher as the funding process advances.)
Other Clients decide that they don’t have time to answer questions. Instead they blast out their sales pitch, which doesn’t provide the basic answers all Funders need. This type of Client thinks they can hard sale the deal, and control the funding process. It doesn’t happen.
Along with the Executive Summary a current Balance Sheet should be submitted, providing the company’s financial position within the past 30 days. This is an extremely important document for the Client to provide.
Many Clients provide the Executive Summary, but don’t provide the Balance Sheet. Of course the immediate thought is the company isn’t in good a financial position and they are trying to hide that fact until they find a Funder. If the company’s financials are in poor shape, it is going to be found out. If there are skeletons in the closet, open the door and reveal them. Many lenders and investors are willing to deal with many issues when they are told up front. If a Client starts the relationship by lying and hiding the truth, does anybody really think there is going to be a good out come?
By using a Qualifying Process transactions are quickly qualified, or eliminated. At The Project Corporation, we call them “5 Minute Deals.” Not because deals are funded in 5 minutes, but rather the information is quickly reviewed and the Client will have either provided quality information, or not. They therefore qualify for the next step, or they are eliminated as a potential. We don’t waste more than 5 minutes on a deal that is not going to move forward.
Other sources have their own process of qualifying deals. You can be certain that all Funding Sources are busy and they are not going to have their valuable time wasted.
There are literally millions of deals available, but time is limited. Therefore, the biggest tip we can reveal in this month’s Business Funding Secrets is to provide quality information starting with the initial contact.
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New Consultants:
After the American Cash Flow Convention held during the month of May each year, there is a large influx of new Consultants chasing finance transactions. We welcome all of you to the finance community.
Along with the new Consultants we see an increase in the number of deals being presented. However, we also see a tremendous number of Consultants who are chasing bad deals, communicating ineffectively, or are uncertain about the process. Anyone entering a new field is going to have uncertainties and will make mistakes. This is expected and acceptable. If you have questions or challenges send me an e-mail, or give me a call.
Some do’s and don’ts for new Consultants:
1. Do not sit there and expect your phone to ring. Pickup the phone and call a prospect.
2. Have a plan for marketing your new business.
3. Target your marketing.
4. Follow through.
5. Even if all you have found so far are bad deals, learn from them. Why are they bad? What marketing are you doing where you only find bad deals? How can you improve?
6. Read something about finance every day.
7. Talk with your Funders and learn the qualifiers they are looking for.
8. Don’t waste time with deals that won’t close.
9. Don’t waste time with a Client that won’t provide the required data.
10. When you have a prospect, and you are going to e-mail a Funder, do not type “Hi” or anything like that in the subject line. They don’t know you. Communicate professionally.
Don’t type, “Income Opportunity.” Funders are not interested in joining a multi-level marketing businesses.
You can type “Funding Request,” or “Broker Info Request,” or something that will catch their eye so they know it is business related and will open the e-mail.
As you know, many e-mails are filtered to the Junk E-mail. If you don’t hear back from a Funder, it is likely they never read your e-mail. Don’t get upset, or take it personally. Funders get hundreds if not thousands of e-mails every day. It would be to your benefit to call them first. Introduce yourself and let them know you have sent them a Funding Request.
11. Don’t be afraid to talk with people - Prospects and Funders.
12. Learn, learn, learn.
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4 |
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Garold Larson |
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Self Improvement/advice |
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2007-07-11 |
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I once had an old car that I drove back and forth to work. It was pretty beat-up, but it got me where I wanted to go. One day I noticed that the engine was getting awfully loud. So I climbed underneath the car to see what the trouble was and found the muffler pipe had rusted through. Instead of fixing it correctly by taking it into a muffler shop and having a new pipe welded on, I decided to be clever and patch the hole in the pipe myself. I took an empty tin can and cut both ends out and split it on the side. I wrapped it around the rusted hole in the exhaust pipe and clamped it on with hose clamps. I started the car up and it sounded so much better. I was so proud of myself for fixing my car with very little cost or effort. My worries were over – or so I thought! The next day as I was driving to work I began to smell a strange odor in the car. It got worse and worse and suddenly I realized it was smoke. I looked down to see where it was coming from and saw smoke coming from the carpet on the floor between the two front seats. I quickly pulled over to the side of the road and turned the engine off. I looked under the car and found my clever exhaust pipe patch glowing red hot. Had I driven my car much further it most certainly would have burst into flames. That was a close one! I ended up taking my car into the muffler shop anyway and having an expert mechanic weld a new pipe on. It ran great after that. How many times do we have something in our lives that needs to be fixed and we attempt the quick-fix, the clever and easy method, only to end up with a near disaster in the end? Some things in our lives take more than band-aid fixes. Are you guilty of trying the fad diets, the miracle creams, the instant-hypnosis, the get-rich quick schemes, the insider trading tips, the instant piano courses, and on and on? Some things can’t be fixed or done overnight. Some things require patience and real, determined, effort. Garold N. Larson writes on self-mastery and personal development topics. You can find more information at Keys to Self Mastery.
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5 |
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jordhy ledesma |
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Law/law |
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2007-10-17 |
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24hr Divorce - A Quick Guide Quick Divorce in the Dominican Republic General Information Quick Divorce in the Dominican Republic is available to foreigners or Dominican citizens residing abroad, when both spouses agree to file this divorce before Dominican Courts. This procedure is very simple and only requires the attendance of one of the spouses during the hearing which takes usually less than half an hour and you can leave Dominican Republic the same day in the afternoon. This is publicly know as the 24hr divorce most celebrities perform. It takes ten to fifteen days to obtain your divorce decree, which is to be sent to your home or office by courier (DHL or FedEx).
The parties should sign a settlement agreement revised by an attorney in their jurisdiction in order to confirm it complies with spouses local laws. This document should include spouses complete data, a list of property, or statement of non-property, the statement regarding minor children and support agreement, your desire of divorcing before a Dominican Court and the authorization of one of the spouses to the other to attend to hearing on her/his behalf.
The settlement agreement can be drafted by an attorney in your jurisdiction or yours. Both these documents settlement agreement and power) must be signed by the parties before the Dominican Consulate nearest to your jurisdiction. A detailed instruction on legalization is to be provided to you when instructions to proceed are received. The cost for this procedure typically goes from US$1,550.00 to 2,000.00 wich includes: *Professional fees
*Transfer airport/hotel/airport
*Drafting of settlement agreement
*Provision of interpretation by Official Translator before the judge
*Official fees and taxes to be paid to court;
*Translation into Spanish of Divorce Decree To start the procedure you will need the following papers: 1. Copies of the marriage certificate issued and of birth certificates of minor
2. Copy of the passports of the spouses to verify identity and draft the documents.
The spouse that is to attend hearing in Santo Domingo will only have to spend 1 night in Dominican Republic. Please contact your travel agent in order to determine documents needed to enter Dominican Republic. Citizens of U.S. and Canada and major European countries do not require of a visa but of a valid passport and a tourist card which can be provided either by your travel agent or at your arrival at the Dominican Airport. Also, the day of hearing, formal attire is required (office kind attire).
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6 |
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Diana Barnum |
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Internet Business/Internet Business |
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2007-03-20 |
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Aweb log, also known as a "blog" for short, is like an online diary or journal for some, on online multimedia center, article or news announcer and more to others. Basically text-based, blogs are easy to update with posts, and depending upon the type of blog, fairly easy to maintain. If you choose to set up your own blog with software in your web hosting package, for example, you generally chose a Wordpress blog. Wordpress offers a variety of templates, however, not all templates are compatible with all plug-ins or modules you may want to incorporate into your blog like RSS (Really Simple Syndication) feeds. So you would either have to learn the skills needed to update your blog as technology and the Internet advance, or you would need to hire help to do this for you so that your blog keeps up with the times. Blog Content and Features Regardless of whether or not you hire help with your blog set-up and maintenance, there are many features and benefits for both bloggers and website visitors. For example, many authors can contribute to a blog s content. So you can set up multiple authors to allow posting access for each one. Plus you can post multimedia on your blog. Upload digital images, full color graphics, photos and animations, even add audio and video. Helpful for promoting both your business and personal materials, you can share photos as well as presentations that focus on your products, services and any other related information online. Powerful tools for sharing and advertising, blogs are well liked by both search engines and people. No Experience Necessary Even if you have no experience operating a static web site, you will find that nearly any type of content can be presented on a blog. Businesses and individuals share stories about trips to in-depth discussions about world politics. And as an added bonus, most blogs even allow website visitors, also known as bloggers, to post their own replies to your blog content or entries, leaving feedback for the blog host to approve or delete as he or she sees fit. Depending upon the blog tools, other blog features can include: - Customizable blog templates that can be helpful for creating an attractive display of your content quick and easy. - The means to incorporate Google Ad sense into the blog to generate additional income, helpful for covering your blog hosting fees. - Additional ways of promotion and SEO (search engine optimization) solutions like adding small banners with interactive links to sidebars. - A tool for IP banning so that spammers and other troublesome website guests are not able to post unwanted messages to your blogs. - Subscriber form boxes plus RSS news feeds to enable your blog visitors to return plus inform them automatically of your new blog content. - And area with blog statistics so that you can review the number of people reading each of your posts. - Hot keys so that the administrator of your blog can use repeat phrases when posting replies on the blog. - Automatic email messages when people leave comments and feedback on your blog. - Survey tools for interaction with your blog guests and help for your future content creation. - Remote blog capability so you can post directly through your email or a handheld device. In summary, a blog can be an easy, fast and fun way to establish an online presence with the right blog tools and / or help. With so many awesome features for both blog guests and blog operators to use, it s no wonder that blogs are so popular today!
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7 |
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Derrick Adolfo |
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Finance/Real Estate |
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2007-08-22 |
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For people who are in need of quick cash, quick sale scheme ensures just that. A little renovation can only make the deal better. There are many options to consider during times of financial crisis. Many people go for loans. That is a common thing. However, at times when the need is of a large amount of cash and that too at short notice, you may have to go for other options. One among the many ways, a good one is to make a quick sale of your house. This ensures that you sell your house so that you get all the cash you can, out of the property value. Selling your house is a way of liquefication of your assets. This helps you to get the cash which you are then free to spend in the things which are urgent and are priorities, such as paying your debts off to avoid house repossession, or meeting an emergency such as that of medical need or for legal proceeding such as divorce. Renovation is one of the judicious way of quietly improving upon the value of your property. It does not cost you much to give a face lift to your house, and when the face of your house is really lifted, it looks toward sky-high prices, even upon a quick sale. Just a little care makes it work. Interior decoration and some improvement on the outside, and your house is as good as new. And back to its former glory or even better. It may cost you a little but to your house, it does a fantastic value-addition. And when anyone looks upon the house as a whole, it appears much better with just a little renovation here and there. Kitchen and bathroom are two places to start from. Since the visitors generally get a chance to see these two rooms, as they are visited more frequently, it is a good idea to make these two representative rooms of the house as nice as possible. And then what have you: Some good kitchen ware and bathroom ware, some plumber job. A good-looking house can ensure a quick-sale.html>quick sale of your house and you get the quick cash you need so desperately. The author is a real estate specialist and through his writing has given guidance to many people who are in search of buying or selling property. He is currently associated with VIP Services, the UK's Leading Real Estate Specialist. VIP Services delicately focuses on helping people selling or buying houses within a short span of time and that too in cash,. For more information on about vip-service please visit quick-sale.html>quick sale
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8 |
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Bob Cash |
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Business/Business |
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2008-02-15 |
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Getting a short term loan until the next payday could not get easier. QuickOnlineCash.com has set up a system where people with regular jobs and checking accounts can apply for up to 1,000 dollars and have the cash deposited instantly into their checking account. Minimal Formalities There are only a few formalities required to complete the application for the first-time applicant and this process can be completed in the matter of a couple of hours. However, if the applicant is a return customer, he or she will already have a username and a password with which we can literally transfer the cash requested very quickly. The amount applied for is deposited into their checking account within a mater of minutes! Get Started Today For the first-time customer of QuickOnlineCash.com, there are only a few documents required. You may need to scan or fax a voided check from the checking account the cash will be deposited from, a recent bank statement and latest salary slip. Quick Online Cash target=_blank>Quick Online Cash will verify these details with the bank and set up an account on our site, and will send you a username and password for future use. In the meantime, the cash you need will be deposited into your account. Once the security check has been completed, this process is not mandatory for future payday loans and the cash is deposited into your account in a matter of minutes. No More Asking Friends, Family Members or the Boss For An Advance Unlike many payday loan companies, Quick Online Cash does not make you fill in pages upon pages of application forms. The documentation here is short and sweet. Almost everyone who visits the site for a payday loan is guaranteed their quick online cash. It is far less embarrassing than asking a friend or family member, or hitting up your boss for a cash advance against your salary. There are no investigative questions or credit checks either. It is recommended that you review the details to get acquainted with our system even if you do not need any cash at the moment. Getting your username and password will ensure you get instant cash when you need it in future. So complete the loan application online or call 1-877-262-CASH now and set up your personal payday loan account today. This article is originally published here: Quick Online Cash target=_blank>Quick Online Cash Find more information on Check Cash Loans and Quick Online Cash target=_blank>Quick Online Cash. About Author: Bob Cash is the colorful company mascot of Check Into Cash, Inc. He makes public appearances across the United States, and is an integral part of the Company’s new location and Payday Advance Centers grand opening events. You can reach him at www.checkintocash.com.
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9 |
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Maarers-Myers |
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Finance/Mortgages |
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2007-10-13 |
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If you want to make a quick house sale, then there are few factors that you should consider before the sale. If your home is in a good locality with all the facilities, then you can make a sale very quickly. Sometimes, in spite of being on a perfect location, it becomes difficult for the seller to make the sale within a target date. So, to make the sale quickly you need to go through the following points.
• As always the first impression is the best impression, you should try to make your house look beautiful by making some necessary changes. You can make your house look neat by placing the things at their proper place and make sure to mow the lawn and if you can add some landscaping. A few ornamental plants along the sidewalk or just before the front door to make the front of the house more attractive.
• You can also pack up the things that you may not use on a daily basis. In this way, you can show the buyers the space available in your room and also they can plan their sitting room with their furniture. This is vital for a quick sale as the buyers may get a feel that the house is ready for occupation.
• You may have to clean the carpet with a professional cleaner. You can even offer discount or cash if the house is bought within a specific date.
• But, a quick sale of the house in this buyers market is not much difficult. You have to clearly instruct your real estate agent for the need of a quick sale. Even they can guide you to make the sale quickly.
Most people know that the property market is quiet profitable and the value of the house appreciates with time. So, when a house is listed for sale in the market, the property can be sold for good price. Negotiation also plays an important role in the pricing of the house. To make a quick sale, you need to analyze the market value of the property and then have to fix a price in line with the market value.
When the negotiation of the property takes place quickly, then the house can be sold for a sensible price consideration. When it takes time, the house may or may not fetch the exact market value. So, while listing the property, you have to give every detail about the location, area and the price in the list itself. This attracts the buyer and when they come to you they will have a clear knowledge of the property. Many investors may like to buy their property for ready cash. As the value of the house has been increasing day by day, more number of buyers are showing interest in purchasing a property. So, effective plans and measures will make a quick sale. If the listed price of the house is higher than actual market value, then it may affect negotiations. So, proper evaluation of the property is necessary for a quick sale.
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10 |
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Maarers-Myers |
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Finance/Mortgages |
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2007-10-13 |
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The real estate market is booming in the favor of investors. So, it may not be easy to sell a property as the buyers have many more options in front of them. Therefore, to make a quick property sale, one has to be diligent and get full cooperation from their real estate agent. Some of the factors a seller should consider before making a quick sale are
• Don’t expect to make a huge profit. The more profit you need, the more time it will take to sell the property. So, a marginal profit should be kept in mind while fixing the price. You should also be willing to negotiate the price of the property.
• You should clearly instruct your real estate agent about your wish to sell the property quickly. That may mean that, you may have to pay a higher commission to your agent. If you are ready to pay more commission, then you may force your agent to make the sale quickly.
• Offer incentives for a buyer who finishes the sale quickly. Also mention that the sales agent will get an incentive if he closes the sale within a fixed date. This in turn will make people believe that they are lucky to get something special through the deal.
• You need to consult your family and friends before listing the property. Even one of your family member or a close friend can buy this property. So, be sure to spread the word in your social circle. However, if you want to advertise the sale and want to make the sale through a real estate agent for more profit, then you may have to face negotiations and delayed payments.
Sometimes you may have to sell the property for quick cash. Some circumstances like financial problems, inflation rate, losses in business and expenditure on legal proceedings may drive you to sell the property as soon as possible. So, to liquidate your assets you may have to rush to make a quick sale. But, while doing so you may lose considerable profit. So, before deciding the price of the property, you have to evaluate the value of the property correctly.
You may wish to get the sale done within some particular date, but the documentation is a lengthy process and it consumes considerable time. It may take months to get the required amount. This means a lot of time is wasted and you have to face the financial problems also. So, in this situation you have to rely upon the real estate agents to make a quick sale. If you can hire a reliable person as your agent, then you can rest assured that almost a larger part of the sale is over, because the agent himself will arrange for all the documentations and also find a perfect buyer. In turn, you may have to cough up some commission more than the actual rate. But, you can escape from the trouble of negotiation and can get hold of the money in a shorter time.
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11 |
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Christian Okoye |
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Finance/Loans |
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2007-10-22 |
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There are many ways to obtain a quick cash advance loan: one way is to apply for a cash advance loan with a cash advance company that doesn’t require a credit check. This can speed up the process of getting a cash advance a lot and will allow the cash advance company to give you a response within a matter of days.
Other ways to apply for a cash advance loan are to apply for one either online or at the actual cash advance company; each of these ways has their advantages and both will allow for a quick response from the company. This is due to the fact that online cash advance companies do promise, in some cases a 24-hour response so you can be sure that you will receive a response from them quickly.
All cash advance companies aim to give you a response to your application in a short amount of time. They all pride themselves on doing this as they know that their customers need the money as quickly as possible, and they aim to meet the customer’s demand for the money.
What they need is simply fill in a form and then send it to the company either through their website or by standard mailing if you got the application from their offices. Most companies will want you to fill the form in when you are there, and you will most likely prefer that also so you know they have received the form and that they are processing it, then that’s it -- you just fill in the form and wait for their reply.
Well, there is no garantee that they would accept you, so it is best to have a back up plan, but if they do grant you the cash advance loan, then you will see that it is quick and easy just like that.
Cash Advances
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12 |
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amenda dorothy |
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Finance/Loans |
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2007-09-17 |
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Every financial institution claims of their loan as fast financial assistance to the needy customer. But have you ever given a thought on the time required to avail a loan. Most of the loans available in the financial market will take at least a period of two weeks to get sanctioned, which in certain cases is a long period. For example; related to an accident case, when the customer approaches a financial institution for a loan, and if he is informed that a loan will be approved in two weeks time, it would be hell like situation. Here the customer will be urgently in need of financial assistance, and only quick loans can help him. Most of the loan lenders have an option of providing financial assistance within two days, but at a higher rate of interest. Here, the customer had to just fill and submit the documents, whereby monetary support will be granted in two days. It is a blessing to many, who find it hard to wait for two weeks. Is It Beneficial? From the outer side, if we look at it, it may seem to be a good option. But a more careful study will make us realise that there exists such a heavy rate of interest that it will make our life miserable. For example, if a customer avails same amount as quick loan and as a secured loan, there will exist a heavy difference in both the interest amount and the total amount to be paid. So it can’t be ever said that loans thus available at a fast space are much beneficial. Always, the options depend upon the need. If the need is more important than the finance, there is nothing wrong in going for quick loan, but if the customer feels that spending too much as interest is a sort of extravaganza, it would be better on his part not to opt for this type of financial assistance.
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13 |
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Sunil Prasad |
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Business/Business |
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2008-05-05 |
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Get Rich Quick Scams Revealed Read this article before you consider paying for a "get rich quick" program. From: AFFILIATE PROJECT X Everybody would love to make lots of money quickly, working from home, and only doing a few hours of work per week. I've spent the past two years trying to find a great way of doing this. Only over the course of the past few months have I found any "get rich quick" programs worth buying. I've been trying to make money online for a long time. I had a few small websites, but they never made much more than a few hundred per month. It was easy money and didn't require much work on my part, but I knew there were people out there doing better than I was and I knew I could do as well as them. Now, I've seen a lot of "get rich quick" programs. Most of these people make claims about earning $2000/day with Google or something similarly insane. Almost all of these people are complete liars. Even if they were making $2000/day with Google AdSense, it'd be because they had high- traffic websites with a lot of quality content. I'd know, because in one whole month, I never even made half of what they promised I'd make daily with their programs. Maybe you've already been scammed by one of these fraudsters. Anyway, I finally got sick of what was being offered. I decided I'd look through the all of the "get rich quick" programs I could find and see if there were any that were actually legitimate. I found that there were owners selling their programs for well over $100, but the information in them could be found almost anywhere online for free. Additionally, they all contained out-of-date information, had no e-mail support, no money back guarantees, and broken links in the downloads section. In conclusion, almost all of the programs I found were completely useless. The owners knew it, but they couldn't care less about their customers since they didn't offer refund policies! Amazingly, while looking through all of the programs, I actually did find a few legitimate programs. They were run by ordinary people like you and me, and they had found some great methods of making money from their home by doing very little work. I spent some time working with those programs, and my income is now ten times what it used to be. These programs provided a large amount of great information on how to make extra money on your computer doing very little work. Numerous customers had provided great feedback and reviews for their products. Many of them have started to make money just days after buying! Their programs have excellent prices, and the authors have a group of paid staff who are dedicating to helping you or providing assistance if you need any. I must say I was amazed! If you do decide to purchase any of the programs listed below, I recommend you join quickly. Most of the owners tell me they are getting an overwhelming number of sales and plan on raising prices in the near future, so order while prices are still low! To Your Online Success, AFFILIATE PROJECT X
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14 |
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N Baros |
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Finance/Real Estate |
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2007-10-29 |
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Buying and Selling Property
Property is one of the hottest of the things on the lists of sale and purchase. The recent price rise in property in the metropolis and the suburbs has surprised almost everybody.
The largest retailer in the property segment is in the housing sector. Everybody wants to get into the bandwagon of buyers of such prime properties. To own a house is everyone’s priority and thus have a security for the family. The newspapers are full of ads for the quick sale of houses. Those who own the property and think have already reached the price targets of their properties are opting for the quick property sale. The quick house sale is the need of the professionals with fast mobility in the jobs and careers. The buyers are also not left behind in this race and are largely awaiting deals where they can find good and reasonably priced homes and hence never shirk from fast home buying once an opportunity exists. Home buyers would always be found in plenty. The growing middle and upper middle classes are the fast property buyers. Money doesn’t seem to be a problem. The money on credit is always available in plenty. Rather there is a cut throat competition among bankers and money lenders to offer easy installments and less costly loans on housing to individuals. Main reason for fast house buying apart from security is the perceived premiums which the housing property can fetch in short term. This is also an important segment and a smart way of money investing. Those who can’t occupy their houses can have the provision of rent back which can pay very rich dividends depending on the locations of the property. Very large property brokerages are available which have a huge network of information on available properties and have invented many instruments to help the individuals with catchy phrases like buy my house.
One of the important aspects in buying and selling of the property is the legal status of the property which must be free from any encumbrances. Many times the property buyers face the problem of possession of the property even though they have bought these at good prices. The rented properties are generally given for a short duration and the owners stop repossession of their properties to the same tenant fearing encroachments.
Those with a vision on property had actually anticipated everything and are sitting pretty well on huge property land banks. The latest funda in the wake of globalization is the retailing in every nook and corner of the imagined space. Big players, land and property sharks are having quick sales of their planned houses and office spaces. The global funds worth billions of dollars are parked in prime properties. The owners of such huge properties have turned into developers and are themselves carving out the townships, plazas and multiplexes throughout the globe. The recent trends in urbanization everywhere point towards an ever increasing demand of such properties and there seems to an unending rush to buy and sell property.
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15 |
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Health Fitness/Health Fitness |
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2007-11-17 |
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Have you ever been working out and notice while you were doing your exercises that you could feel what I would describe as a "burning" sensation in the muscle? Nothing indicative of injury, but just felt the muscle working outside of it's usual comfort zone?
This is a good thing!
This is called training to failure and I do it in 85% of my training with clients. I usually do not have clients stop a set until they cannot move the weight another inch. If that takes them past the rep range they are supposed to be working in on that exercise for that day, then I make an increase in the weight for their next workout.
This one technique is the core principle of progressive resistance training and it holds the key to continued progress in building muscle and burning off large amounts of body fat all at the same time.
Study after study has shown it's a fact that how much heart or intensity you put into your training is much more important than how long you train. This is great on two fronts. First, if you are short on time you don't have to worry because a quick intense workout will get you better results anyway! Second, it makes life easier. Who wants to own a great body if it takes hours every day to get and then maintain it?
If you want to see visual changes to your body on a daily basis, you must put everything you have into quick, intense cardio and weight training sessions.
When you combine intense (for your level) training sessions with proper nutrition that contains foods that will prime your metabolism, you'll see and feel changes to your body very quickly!
A lot of people think that it takes months to burn fat, build muscle and get stronger. This just isn't true! When you combine the proper training program, with a great nutrition plan you will get immediate feedback.
If you have been training on a regular basis and not seeing the results you deserve from all that time spent dieting and working out, maybe you need to take a hard look at your fitness program. Something is wrong. Maybe you have been putting in long hours at the gym at 50% of what you are capable of. Maybe you have been cutting your food back too much and have shut down your metabolism.
There are only three variables that you can play with. These are resistance training, nutrition and cardio. Train quickly and intensely with big compound exercises. Eat the proper foods in the right amounts and burn off some extra calories with cardio done in the most productive ranges for the level of fitness you are at.
If you get these three factors lined up with each other, everyone sees quick and rapid results on the scale and in the mirror. No exceptions unless it's medical.
Regardless of your genetics, time constraints or finances, you can transform your body so you feel great about the skin you're in.
The first thing I would do is give your training a kick in the rear, bump up the intensity and get out of that gym faster! You'll be able to fit your workouts into your day and still have energy left over to do some other fun things in life!
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16 |
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Simon Peyton |
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Finance/Loans |
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2007-07-04 |
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Search for loans that don’t require collateral; ends when you come across quick unsecured loan. Yes, that is quite true; with quick unsecured loans borrower don’t have to place his valuable collateral for back up as it is based on the present financial condition of the borrower.
Today, Quick unsecured loans are getting popular with its innumerable benefits like fast cash approval, feasible interest rate etc. So, the borrowers who are willingly or unwillingly not ready to place their collateral finds easy to avail the quick unsecured loan.
With quick unsecured loans, borrower can borrow an amount varying anywhere in between £1000 to £ 25000. Borrower must borrow that much amount with which he feels comfortable at the time of repayment. Though, borrowers can borrower larger amount depending upon his present financial situation and his credit history. Borrower can enjoy the quick unsecured loans for easy repayment option of 6 months to 10 years.
The rate of interest charged on the quick unsecured loans is higher than secured loans but borrower’s meticulous search can lead to overcome high interest rate as online market is flooded away with the lenders who are ready to offer competitive rates.
Unsecured loans offer quick cash approval as no time is utilized in the collateral evaluation. So, borrower enjoys quicker cash compared to the secured loan.
Quick unsecured loans can be used for the different purposes like buying a car, renovating a home, meeting daughter’s education expenses, consolidating multiple debts or going for mesmerizing vacation with your spouse.
Borrowers with adverse credit like CCJ's, mortgage arrears, defaulters, bankrupts or IVA finds easy to fulfill their needs with quick unsecured loan but at higher interest rate comparatively.
Applying for unsecured loans through online mode is one of the best ways to deal with the loan as it offers quick cash to the borrower. The borrower has to fill in a simple online form that is easily available on the website of the lenders. The online application form for quick unsecured loans requires you to fill in few details that are asked by the lender.
Quick unsecured loans offer borrowers to meet their needs at feasible interest rate, and easy repayment option.
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17 |
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Candi May |
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Internet Business/Internet Business |
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2007-11-16 |
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Living in a "microwave" society of "I want it fast and I want it now!" With that comes the Predators that capitalize more and more on the "Get rich quick" kind of mentality that is so prevalent. These Predators are growing by leaps and bounds on the Internet, flooding a once legitimate market with their relentless scamming. They stalk potential victims under the cloak of integrity and prey on people's desperate financial situations. The Predators do this by appealing to either the desperate need for money of the victims or exploit their sense of humanity that drives these many good intentioned people to try and help somebody in need.
The stories concerning these scams truly abound, a sad fact to the insatiable greed of these Scammers, so I will just use one that I dealt with a lot when I was working for a large Delivery Company by way of example, and warning. Working close with security I saw the devastating effects this particular Get rich quick scam, or better yet "work from home business" as they are fond of calling it, had on the people who were lured in to partake of it.
How the operation works:
This is mainly a Nigerian Scam (just 1 of many), and what they will do is advertise on the Internet under the guise of "work from home" wanted, payment processing or payroll supervisors, processors, and "christian work from home". Then once their "prey" are baited in to the seemingly on the up and up work from home opportunity, the Scammer will send them an envelope with several postal money order checks in the amount of anywhere from $300-$1000. Enclosed in that envelope will be a a copy of a letter that goes like this....
Payment for the Company You Represent:
Greetings to you, My name is ..........and I have been directed to make this payment to you by the company you represent in the USA. As soon as payment has been received, you are to inform them immediately via email to Serves as prove and evidence that payment has been issued and sent out buy our firm ans we do not owe them anymore for the good supplied. Please follow this instruction on how to cash below.
I have left the money orders blank to avoid any mistake in your name and address so Immediately payment has been received, your are to fill in my name and address as below at (From) them fill in you name and address at (PAY TO), I will also like you to know that these USPS money order are like cash as they have been paid for so you will not be paying any sort of fees to cash them so after filled take them straight to you bank an have them cashed right over the counter or deposit them into your ATM account and fill a withdraw form instantly for the amount of cash deposited and then follow next instruction by your boss on where an dhow to send the money to after deduction your 10% commisssions. ONCE THE REMANING 90% IS SENT, A COPY OF THE EMAIL WITH PAYMENT DETAILS SHOULD BE SENT TO THE EMALL ADDRESS BELOW FOR THE RECORD PURPOSE. ALSO MAKE SURE ALL CHECKS ARE FILLED BEFORE TAKEN TO BANK AND CHECK YOU EMAIL FOR FURTHER UPDATE ONCE RECEIVED.
OK, clue #1:
Besides the fact that this scammer just butchered the English language and has repeated grammatical errors (I copied this from an actual confiscated letter mind you), you are being asked to deposit or cash these postal money orders into your bank account.
You might say, hey what's wrong with that?!
Well, when the unsuspecting "successfully" deposit or cash the money orders then they figure the whole deal is legit, and proceed to wire their money to the predator minus their 10% as instructed, usually to a bank account in Nigeria. Weeks later the bank discovers the money orders are fake, and the depositor then becomes responsible for the missing funds to the tune of usually several thousands of dollars.
Know what to look for:
If you come across one of these adds be sure and look for contact information on their website. If it is truly a legitimate opportunity then that person will make them selves accessible.
Think twice before agreeing to deposit money orders into your bank account from someone you do not know! You are held responsible for that money if those are fake. Which I can assure you they will be!
In conclusion, yes there are a lot of amazing Internet opportunities with the potential to make large amounts of money. But, if you have the "Get rich quick" mentality, you might end up having the "get broke quick" dilemma!
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18 |
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Michael Douglas |
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Self Improvement/advice |
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2007-07-15 |
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This season if the heat isn't frustrating enough, there is a host of skin and hair problems adding to your woes. The humid, sultry, weather doesn't allow you to wait for time-consuming beauty rituals. It calls for instant pick-me-ups and beauty aids. Indulge in these quickies... BREAK-UP BLUES Your skin is angry and emotional and you don't know how to cool it down. No, a drink won't do, unless it's H2O we're talking. Try this quick home remedy if an attention-seeking zit rears its ugly head. Apply an astringent mud mask; these usually contain clays like bentonite or kaolin that draw out the moisture to make a pimple less 'juicy', especially when rinsed off with really cold water, which constricts tiny blood vessels to minimise the ghastly redness. A pinch of dry, chalky (non-gel) toothpaste, like original Colgate, will also dry out pimples, if you leave it on overnight. You could also wrap an ice cube in tissue paper and hold it to the pimple for a few seconds. Remove and repeat the procedure four or five times. Mix a few drops of honey with 1 tsp of cinnamon powder and lemon juice each to make a paste. Apply and leave on the angry pimple for five minutes and wash off with cold water. BLACK(LIST) THOSE HEADS If it isn't the in-your-face pimples, then it's the slimy blackheads that come unannounced. Although steaming and exfoliation on a daily basis is your best bet, you could try this remedy when in a dire situation. Mix rice powder or almond meal with yoghurt and apply on blackhead-prone areas. Rub gently, in circular motion. Leave on for five minutes and wash off with cold water. Afterwards, mix fresh lemon juice in a cup of boiled milk and wash your face with it. OUT IN THE OPEN? Summer's side effects-open pores and overactive sweat glands. What do you do? Use a facial scrub on the affected area and wash off with water. Then mix oatmeal with egg white and keep on for 5-10 minutes on the open pores. Wash it off when it dries. EXTRA BAGGAGE Lack of fluids and excess of salty foods lead to under-eye bags that look oh-so-awful in the morning. How do you lose them? If you don't have a soothing eye gel waiting for you in the fridge, drink a gigantic glass of water. Then place cool compresses (chamomile tea bags are great and have astringent properties) on your eyes and keep standing-don't lie down-to let gravity accelerate the drainage process. Crank up your circulation with gentle stretches or a few minutes of to redistribute body fluids. And don't fret, the bags will gradually over an hour or two. Keep guzzling that water. BOO THAT BO Tried everything from scented talcs to deos? Try one of these quick remedies. Add a cup of apple cider vinegar or white table vinegar or 4 tbsp of baking soda and a cup of lemon juice to your bathing water. You could also dissolve 1 tsp of alum in your bath water. LIMP, LIFELESS HAIR For your heat-beaten hair, here's a quick-fix solution. Boil used tea leaves in enough water so that, after boiling, you have about four cups of the concoction. Cool and strain the liquid. Add the juice of a lemon to it and use this as a last hair rinse. Another quick emergency treatment when you have no time to shampoo-dab on a little cologne to your hair brush/comb before you run it through your hair. It absorbs summer-induced oils and leaves your hair fragrant. BADLY TANNED? So your sunscreen didn't work, and you are left with a bad, bad tan. Here's what you can do to salvage the situation. A cool milk compress is one of the best remedies for sun tan. Dab your skin with cool whole milk for 20 minutes and then rinse it off with cool water. Better still, rub on some peeled onions for instant relief to sunburnt skin. Michael Douglas is a beauty expert and the webmaster of http://www.time4tips.com where he provides health and beauty tips, makeup advice, anti aging tips, skin care, body care and also includes a wide section on tattooing and body piercing.
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19 |
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Home Family/Home Improvement |
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2007-12-21 |
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Some people get bored with their home décor, and feel the need to change it often. Of course, many folks don’t have the time or money to make big changes every time they feel their home needs a little freshening up. But there are fast and easy ways to update your look without having to spend a lot of money.
Paint
Nothing brightens a room like a fresh coat of paint. Experiment with a bold new color. Don’t be afraid to try something different. If you really hate it, you can paint right over it! This quick change will work in any room in the house. Most rooms can easily be painted in less than a day, and your room will look extra fresh and clean.
Pillows
Want a new look for your living room or bedroom? Buy some fabulous new throw pillows! You can add interesting punches of color and beautiful touches of fabric just by tossing some pillows onto the couch or bed. If you think you are tired of your furniture or bedding, adding new throw pillows may change your mind and add some extra mileage to that old sofa.
Candles and Flowers
Adding candles and flowers can brighten up most any room. Even if you already have both, change them often. If you use artificial flowers for you arrangements, it’s easy to become so used to your floral touches that you don’t even notice them anymore. Change your arrangements every month or so to keep the room looking fresh. Candles can also be changed to add a touch of a different color or a wonderful new scent. Hanging candle holders make an interesting and bold choice, and will add a touch of elegance to any wall.
Mirrors and Wall Art
Changing the items you have hanging on your wall is one of the best ways to make your room look brand new. Replace the painting over your fireplace with a mirror or some metal work for an elegant change. Also, consider changing your artwork a few times a year. Perhaps you could choose art with a color palette that will compliment your seasonal decorating. Even if you are on a limited budget, there are specialty stores that sell beautiful prints and paintings at very reasonable prices. Also, visit your local art galleries. While not everything will be within your price range, there are likely to be some pieces that you can afford.
Accessories
Swapping out the items you have on shelves and tables in your rooms is a quick and easy way to help freshen up the look of any room in a matter of minutes. While some people don’t like change, others grow bored with their decorating. This is an economical way to get the most mileage out of your décor.
You don’t need a lot of time to make changes that will brighten up your home. In just one day you can make small changes that will make a big impact.
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20 |
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Debbie Mumm |
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Home Family/Parenting |
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2007-11-11 |
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7 Quick Stress Busters Hey! Somedays things just never seem to go as you hoped. Your heart races, you start getting a headache and you wish the day would just end. Next time stress takes its toll on you try these calming sanity tricks. 1) Laughter is the best medicine! Think back and try to remember a time you laughed so hard you cried. If you can't remember anything than try some funnier websites like www.TheOnion.com or www.rednecks.biz. 2) Tune it out! Listen to your favorite music or go look at some of your favorite photos. Self thought has been known to be effective so just repeating a phrase like, "I love my life" over and over may help positive things to come your way. The power of smells can make your body relax also. Try a little lavender essential oils on your wrists. 3) Stay in touch with your friends. We tend to get so busy with our day to day routines that many times we forget to take time to talk with friends. Schedule a few minutes to email someone and update them on the latest. Just the act of getting connected with someone that knows you will tend to calm you when things get crazy. 4) Journaling. Writing things down is a great way to get those negative emotions out. 5) Take a nap. Research shows that napping may reduce your risk of death from heart attack and increase productivity and concentration. Some smart offices even have 'napping rooms'. 5 to 10 minutes of napping can make a huge difference on how you handle the rest of the day. 6) Take a mental break. Get out that crossword puzzle book or Sudoku. Pull out a deck of cards for a quick game of solitaire. It will take your mind off of your work or problems. 7) Tea time! Forget that coffee break. Have a cup of tea when you find yourself in the mid-afternoon slump. Black, white or green teas have been known to be good for your heart as well as giving your metabolism a boost.
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