Business Meetings

A lot of businessmen pass through different trials during the period they are dealing with the launch and development of their company. Even if you are used to daily meetings, you will discover that for business meetings with clients and for signing contracts you need lots of strategies and abilities.

            You have to collect supplementary information. A simple phone call can anticipate the needs of your client. You have to learn more about them and prepare yourself for that face-to-face meeting learning more about the client’s company. Then create a list that has on it all the benefits your services will bring him.

The objective has to be realistic. The experts calculated that a business meeting with your clients can cost you up to several hundred dollars, depending on the domain of the business and on location. So it is important for every meeting to be convincing for the client. If you are a public relations consigliore, for instance, a realistic objective for a first meeting would be the detailed presentation of the offer.

You must present quality products. Prepare your documents printed well on quality paper. You have to bring all needed, business cards, estimative graphs, brochures, presentation materials.

            You must carefully analyze your client. All through the meeting, watch closely his behavior. It’s good to notice if he is approving of your ideas or if he isn’t. Pay attention to signals your client is sending and make sure to answer accordingly.

Any questions put must be well thought. A business meeting is an opportunity to discover your client’s needs and to present him with the solutions. If the discussion between you two isn’t equilibrated and you are the one that is doing all the talking, it means the meeting is a failure. It is important for you to put the right questions, but also to know how to listen carefully to answers.

You must always go for real cases and examples. True stories can demonstrate the fact that you kept in mind your client’s needs. Prepare for every quality and ability a demonstrative story. It’s preferable to tell a story that talks to the client about the benefits the rest of your clients and consumers have.

Provide efficient solution and act on time! Assuming you prepared very well and you used the observations efficiently, now you have reached the moment when you can ask directly the things you are interested in. This is important and it must not be missed. Some people organize great meeting but when it comes to closing the deal they leave home bear handed. When getting to this, you must have the strength to act and go on with it.

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A Garden For The Whole Family

You can have the most elaborated back yard from the entire neighborhood, but if it isn’t functional you have built it in vain. We all want to have beautiful and flourishing gardens, but when we have a family, we must also take into consideration the needs of the other members of it. Divide the space of your yard in two or three visual spaces, one for play and relaxation, one for gardening and maybe one for pets.

An open space, covered by lawn is ideal for your children. Here you can install a table for open air lunches or for a romantic summer evening dinner.

Do you have a fireplace? Keep a portion of your garden especially for depositing fire woods, but make sure it is at a considerable distance from the house or animals that can cause damage.

How about pets? You can build for these little members of your family special spaces, in which they can play and exercise. Before you plant bushes and ornamental plants, surround the pet space. Cats and dogs tend to be attracted exactly by the things we try to keep them away from.

Keep the by-passers’ eyes away from your personal life. Before planning the scenery, you must have in sight a place for the garbage cans. It wouldn’t be very nice to have a wonderful garden right next to the garbage cans. These can be efficiently hidden in some kind of surrounded space, decorated on the sides with life fence.

 

            

Functionality is an important factor in your garden, so you have to think about children, little pets and family assets before you plant anything. Save a portion of the yard especially for you, in which you can plant whatever you want and leave for the others some space to breathe freely.

You will find it more satisfying this way, once the whole family is happy with your garden and they might even bring their personal ideas for it. It is important that personal space is respected and that is why the garden must not be very wide, taking up all available space. Build from time to time a pathway or some benches where you can just relax and admire your work.

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A Fireplace In Your Apartment

We sometimes think that we cannot realize everything we want in such a limited space, referring to an apartment, might it be a block apartment or a villa apartment. But either way we can adapt the already existent dimensions or we will think in such a manner that we will create the space we need to bring in a new piece of furniture that we really want or maybe make some mounted bookshelves on one wall of the room.

You can even place a fireplace, an object that usually takes up a lot of space and requires unwanted modifications.

A fireplace can be placed in a corner of a room and it could be, for design’s sake, linked with some mounted bookshelves that can total a real bookcase.

          

Depending on the dimensions of our room, we will make a design sketch for the wanted fireplace and for the bookshelves made out of wood or wood-like materials that will be chosen accordingly to the objects that are already situated in the room or accordingly to the material the fireplace will be build from (I mean the material the fireplace has on the surface, not the one it is actually made of).

     If we have a tall room then we can build a tall fireplace. In the case it will grow a lot up or on the contrary, grow horizontally quite a bit, we will have to keep in mind ventilation. In an apartment we might have to use the common ventilation system unless we are on the top floor. To deal with this aspect you will have to bring a specialist and let him do the calculations and plans needed.

We can think of the fireplace creatively. Why not designing it as a multitude of stairs that will serve as support for different object we can find around the room? Or we can create spaces to store fire wood that will have just a decorative purpose in a block apartment where the fire can be made using gas. But they will bring the rustic image closer to you and will provide the room with infinite connotations. 

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A Common Heritage

The United Sates of America and Australia have been friends and allies for many years, and the ties born of shared hardships in war and shared cultural history are strong indeed.

An interesting but perhaps not well known fact is that are some features of the two systems of government which are surprisingly similar. I am not referring to the democratic nature of our two systems, which is none-the-less true and something in which we both peoples can take pride.

I have in mind the structure of our elective legislatures, and in particular the influence that one (the U.S.) had on the other (Australia).

Both our nations had their origin as British colonies, or more correctly, groups of British colonies. In each case the groups of colonies came together to form a new nation based on a federal union of those colonies into a group of states making up one independent country. The United States was formed toward the end of the eighteenth century after the American Revolution. Australia was formed at the end of the nineteenth century by a more peaceful federation movement. By then the British had learned that we pesky colonials are best not messed with.

A major influence on Australian thinking during the federation debates in the late nineteenth century was the obvious success of the American Federal Republic. Many Australians at the time saw the American model as the one to follow. More conservative thinking prevailed, and the final structure of our parliamentary system of government largely copied that of the British parliament in Westminster. Australia does, however, have a House of Representatives and a Senate as the houses of its parliament. The Senate was originally planned as a states house, and has a fixed number of Senators elected from each state. The Senate, elected as a States House, was modeled on the American example. The role of the Australian Senate as a states house was taken so seriously that for the first sittings of the Australian Parliament, the Senators from Western Australia ignored their party allegiances and sat as a group representing their state. Today, the party allegiances do tend to prevail.

Some commentators in Australia have described the Australian system as the ‘Washminster’ system, so clearly can the influences of both The United States and Great Britain be seen.

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30 Year Home Loans

It used to be the first choice of most borrowers, because since the total payments are spread over a longer period of time with the interest rate set for the entire time of the mortgage. 30 year home loan rates are an industry standard but is it the right choice for you?

The 30 year home loan is an industry standard, but is it the right choice for you?  Because the total payments are spread over a longer period of time and the interest rate set for the entire time of the mortgage.  This was the first choice of most home owners.

As we mentioned, the plus side for a 30 year home loan is lower monthly payments.  This attraction is somewhat dimmed by the fact that you pay thousands extra in interest.  But, your interest is 100% tax deductible which does lower your after tax cost.  It offers you some flexibility so that if your financial situation changes and you have more money you can pay it off in less than 30 years, this while keeping the low monthly payments.  Your payments are smaller so in reality you can purchase a larger roomier home.

To show an example of the interest difference between 30 year home loan rates and one of the other rates.  On a 30 year, 100,000 dollar loan using 7% interest rate your monthly payment of interest and principle would be $665.30 dollars.  Over the next 30 years you will have paid $139,511.04 in interest alone.  Now with a 15 year home loan rate on the same amount you will pay $871.11 per month and over the next 15 years, you would pay $56,799 in interest.  This would save you $82,712 dollars.

If you have the will power to invest the savings from the monthly payments, it still could be a good choice to go with the 30 year mortgage.  Especially if you can find an investment that the long term payoff matches or exceeds what you would save in a 15 year mortgage.  Another factor to consider is how fast you want to accrue equity in your home or to own it out right.  30 year home loan rates take much longer to build equity.

30 year home loan rates are certainly attractive and the vast majority of home buyers get 30-year loans because that is the longest home loan available today.  Experts agree if they could get a 35- or 40-year loan, they probably would.  There are many other options to consider.  Probably the biggest question you have to ask yourself when considering a loan is what are your financial goals?  What loan plan will help you the most to reach that goal?  It is clearly to your advantage to look into other loan options for the best loan available for you and your financial goals.  It may surprise you that because of your personal situation there may be other plans more suitable for you.

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12 COMMANDMENTS FOR PARENTS

In a child’s education an important factor is the parents’ expertise for this “job”. No one is born holding all the knowledge, but we can learn and understand some things from books or advice from qualified persons.

Amongst the commandments a parent should strictly follow are the following:

1. Do not underestimate your child – he can understand more than you think he does and if you make him believe you think poorly of him this might affect his development.

2. Don’t use threat – a child loves a challenge and once threatened he might probably go on and do what he wasn’t suppose to just to see if he can escape the punishment.

3. Do not bribe your child – if you are trying to get him to learn for money for example, he will fail to understand the importance of learning, all he will get from this is the importance of money.

4. Do not make a small child promise something – small children can’t hold promises so don’t force them to lie and then punish them because they did that.

5. Do not keep them under a short leash – to grow up normally children need some space, some freedom.

6. Do not use big words or too many words when you are talking to your child – keep your ideas simple and concise so he can understand every thing you have to say.

7. Do not expect an immediate and blind obedience – it is not recommended, the child has to be learned to think for his own not to follow orders.

8. Do not indulge him too mush – he can develop compartmental disorders.

9. Do not compromise when it comes to the rules of a game – the trick for a game to become educative is too have its initial rules respected.

10. Don’t impose rules that don’t go with the age of your child.

11. Do not try to inflict quilt – quilt is not an appropriate feeling for children, especially if they are little.

12. Don’t give your child orders that you don’t take seriously – your child will try to please you and giving him an order is drastic, and it becomes cruel if that order is a joke.

All these “commandments” are addressed first to the parent. But they are to be referred to by teachers and educators as well. Along with the parents, they will settle upon an attitude and strategy for the education and growth of the child, so that they can give him all the things he needs to properly develop emotional and physically.

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