Archive for the ‘Non-Profit’ Category

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Motor Vehicles For Your Business: Loans or Leasing?

Sunday, July 17th, 2005

Thus, one must make sure that it will be suit for the purpose it will be given. Also, the form of financing you choose to pay for it is an important issue. Thus, deciding between obtaining a loan or to lease must be done carefully.

Both financing through loans and leasing have drawbacks and advantages that need to be pondered in order to decide which option is most suitable for the business’ situation. Analyzing thoroughly the options that you business has will let you make a conscious decision and save thousands of dollars in the long run either by obtaining a suitable loan or by getting the flexibility leasing provides.

Motor Vehicle Loans

With a motor vehicle loan you purchase the vehicle by using the money obtained from the loan and though the loan may be secured with the vehicle, it still remains your property. Thus, any risks ran by the vehicle will affect you and you alone. However, if the property is affected, the lender’s security is also affected.

Motor vehicle loans provide affordable monthly payments that can be higher or lower depending on the loan amount, interest rate and repayment schedule of the loan but can always be negotiated to obtain affordable installments. In the long run, motor vehicle loans are less onerous than financing through leasing programs.

Financing Through A Leasing Contract

Leasing is a combined contract that uses certain loan characteristics and certain rent characteristics too. It is basically a program with which one party rents a vehicle which remains the property of the financial company (that can purchase it from a third party in order to close the leasing contract if it doesn’t produce the vehicles) and at the end of a certain period of time, the vehicle’s property can be transferred to the other party and the monthly payments can be computed as part of the purchase price. The remaining amount must be paid to the financial institution in order to complete the transfer.

Leasing provides a fair amount of flexibility as the monthly payments can be lower than loan installments and the vehicle remains property of the financial institution which implies less tax pressure. However, the costs in the long run are higher because when the leasing period is finished, in order to get possession of the vehicle you’ll need to put a fair amount of money down.

The decision of whether to lease or purchase with a motor vehicle loan is really up to you. You need to ponder the advantages and disadvantages of each alternative and only when you are certain that you’ll benefit more from one of them you will be able to decide without having second thoughts later. In order to do so, you’ll have to consider all loan and leasing terms and analyze them comparing them to the business’ needs. As a final tip, if you’ll need to change the vehicle in a short period of time, leasing is the smartest choice, but if you plan to keep it for a long time, a motor vehicle loan will probably be the cheapest and most sensible choice.

—

Mary Wise, a professional consultant at Badcreditloanservices.com with twenty years in the financial field, prevents consumers from falling into the hands of fraudulent lenders.
You will find more useful tips and interesting articles by clicking Here

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Some Thoughts On Expanding Your Business

Wednesday, September 29th, 2004

You may have found yourself in this position. You had hoped for it, planned for it, envisioned it and in some weird way feared it. It is called “expanding your business.” It is called “growing your business” and seeing it do things that you were not really sure was going to happen.

That is where we have found ourselves. In the last eight months we have seen unbelievable, unfathomable growth in our business. More than the people we have can handle. Good problem. Right?

Well, yes it is, but it also brings its challenges. We have the kind of business which we have office locations in two states. We have been covering our business out of home offices, but recent growth demands that we not only move into one new office location but two, since we are in separate states. It means hiring support staff, and additional valued partners (our sales staff.) It means not just hiring, but the inevitable slew of things that come with growth.

Now we have to coordinate phone systems that cover a host of people in multiple locations, and office equipment from computers to desks, and from printers to chairs. It means double rent and multiple extra expenses.

Most people think growth is great. I am of that opinion also. But it hit me recently that though growth is fantastic and means that we can service more people, satisfy more needs, help hire more people and expand our brand, it also comes with a price.

Being smaller meant less complicated problems. It meant making decisions that would have less impact on fewer people. It meant that sometimes the pace was slower and you could take time to smell the roses.

Now, the pace is faster…the amount of people affected by decisions greater…and the impact we have on lives bring more responsibility. Is it wonderful that we have expanded to a national company and soon to be international. Yes! It means we are doing the right kind of things.

But it reminds me also to keep things and people in perspective. It reminds me that the opportunity for error is greater, that there is more chance by people to hurt the cause if we are not ever on the lookout. It reminds me of where we have come and that Someone much greater than we have been guiding and directing, and that we must never forget the trust that people have in our name and integrity.

Growth is certainly great. But it reminds me to never forget our core values and those very important people that work everyday to make it happen in our company. I am eternally grateful for them.

In my musings, i am reminded to caution you that when you grow, never forget. Do not forget where you came from and how you got to where you are. Do not forget to continue your core values and your integrity and honesty.Yes the furnishings may change, and the amount of customers may increase, but always stay the course. It will not let you down. You will be able to sleep well at the end of the day.

Paul Donihue is President and CEO of a national business solutions company, specializing in merchant services and business check solutions. You can learn more about his forthcoming book 11 Ways To Kill YOur Business …And Avoid Success! by visiting his blog at www.dontkillyourbusiness.typepad.com Reprints of this article may be used with expressed consent with the authority that Paul Donihue is the Author, and that the info. link at www.dontkillyourbusiness.typepad.com be left intact in all reprints.

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Demographics Indicate Increase in Crime Ahead

Saturday, June 21st, 2003

There’s a segment of our population that has become more evident than ever before. Seeing these individuals lying on bus stop benches, pushing their worldly possessions in rusty old shopping carts or sleeping in their cars is disturbing to say the least. I’m talking of course about the homeless.

It’s not just about the 50 to 70 year old male with dirty tattered clothes, a long grey beard and a weather-beaten sack hanging over his shoulder resembling a Santa Claus gone bad. I’m unfortunately referring to families with children that nationally make up approximately 40% of the homeless population.

The primary causes of homelessness are lack of affordable housing, poverty, and domestic violence (which incidentally accounts for 35% of the cases). A startling statistic is that the typical homeless family in the United States and Canada is composed of a single mother, about thirty years old, with between two and three children.

There are many crimes which attract the young homeless as means of survival. One such crime consists of stealing and selling stolen goods attained through burglaries. These desperate thieves often arm themselves with weapons such as broken glass, razor blades, knives and even hammers as part of their survival kit.

Unfortunately, this extremely complex social problem can’t help but impact the quality of life in our communities. Knowing how to deal with the criminal element in this multi-faceted social issue is extremely important. Remember to stay rational, don’t let criminals slip under the radar by playing the unfortunate card.

We must not overlook the laws by allowing compassion to win over common sense. Laws were written for everybody to obey, including the homeless. If their activities become unlawful, it is our duty as citizens to notify the police. This is essential if we want to support a healthy and safe community for our families to live in.

Homeless people are usually drawn to areas that provide shelter, water, clothing and food. This could be a commercial or residential location depending on the demographics.

It’s a natural feeling to want to help a homeless person by handing them money, however it is advised not to give any money or food to a stranger, regardless of their appearance. You could be inviting a criminal into your life, exposing you or your family to a potential dangerous situation.

Don’t let your heart of gold grant a homeless person the privilege of camping on your property for the night. This is not advisable, as a one night stay usually turns into a permanent location to store shopping carts, bedding or personal belongings.

Some good security enhancements to discourage unwanted visitors to your home or business can be attained by restricting access to overhangs, alcoves or other areas protected from inclement weather. Turn off water or remove handles from outside water spouts.

Make sure that all garbage cans are locked in secured receptacles. Install motion lighting around the problem area and make sure that all shrubs and bushes are trimmed back or removed to open up sight lines to your home or business.

Being homeless is not a crime. I prefer to judge a person on their actions as opposed to their appearance. However if we want to keep our communities safe we must be aware that the homeless are not exempt from the criminal element.

Frank Fourchalk is widely recognized for his sustained commitment to education in Home and Business security throughout North America as a result of his syndicated newspaper columns. Mr. Fourchalk has written for The Toronto Star, The Vancouver Province, and several other daily newspapsers including the New York Post.
For more information on your home security check out http://www.yourhomesecurity.ca

Posted in Dogs, Mortgage-Refinance, Non-Profit, Real-Estate | No Comments »

Nursing Programs of Brockton Hospital School of Nursing

Saturday, June 21st, 2003

The Brockton Hospital School of Nursing or BHSN is a private and non-profit institution for higher nursing education founded in 1897 in Brockton Hospital, Brockton, Massachusetts. It is accredited by the National League for Nursing Accrediting Commission. More than 2000 nursing students have graduated from the school.

The Brockton Hospital School of Nursing has established a partnership with Fisher College to offer a two-year associate nursing program to equip students for the National Council Licensure Examination for registered nurses. In this program, students are able to earn a nursing degree and an associate degree simultaneously. Graduates receive a Diploma in Nursing from the Brockton Hospital School of Nursing as well as an Associate Degree in Science from Fisher College.

Students who are able to attend day studies can opt for the two-year program. The school also offers a four-year program with classes during the evening or weekends. The Brockton Hospital School of Nursing Program is open not only to high school graduates but also to adults such as licensed practical nurses and career shifters. The Brockton Hospital School of Nursing currently has about 300 students enrolled in its program, who are mainly women. The school employs 18 faculty members, all qualified degree holders.

The tuition for the undergraduate program is around $10,000.00. For eligible students, The Brockton Hospital School of Nursing offers assistance in securing educational funding through scholarships, grants and loans. The school has an agreement with the US Department of Education to provide federal student loans to qualified students.

The Brockton Hospital School of Nursing has helped over fifty percent of its student population to receive financial aid. The Brockton Hospital also grants scholarships to its employees who wish to enroll in the nursing school program. Besides financial assistance, the school also offers its students and graduates other services such as career counseling and job placement.

Some of the information and documents required to enter the Brockton Hospital School of Nursing are your high school grade point average and school transcript of records. You may also need to take a standard admissions test as well as other applicable qualification tests such as the Test of English as a Foreign Language or TOEFL for applicants from non-native English speaking countries. A $50.00 application fee is also required. You may request for more information about the school and an application form by calling or sending an email to the school’s Office of Registrar.

Milos Pesic is a successful webmaster and owner of popular and comprehensive Nursing Education web site. For more articles and resources on Nursing related topics, Nursing Jobs, Nursing Schools, Nursing Education and much more visit his site at:

=>http://nursing.need-to-know.net/

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Facts About the Cochran School of Nursing

Saturday, June 21st, 2003

The Cochran School of Nursing is a hospital-based nursing school established more than a hundred years ago in 1894 at the St. John’s Riverside Hospital in Westchester County, New York. It is the largest nursing school in the county with over 300 students currently enrolled and over 2000 graduates.

The Cochran School of Nursing program accepts students who are in their first level of study to become registered nurses as well as Licensed Practical Nurses (LPN) who wish to further their education and pursue a license as a Registered Nurse. The Cochran School of Nursing has a pass rate of over 90% in the State Board of Nursing.

The Cochran School of Nursing offers a two-year nursing program designed to prepare students for licensure as registered nurses. Since Licensed Practical Nurses do not have to take basic nursing courses, they are able to complete the program in 13 months. Nursing majors who graduate from the Cochran School of Nursing will receive an Associate Degree in Applied Science. In addition, the school’s program is integrated with Mercy College to help students as they seek higher education.

Those seeking to enroll at the Cochran School of Nursing, may complete the online application process or download an application form from the website and send it to the school through regular mail. Along with the completed application form, applicants must also write and send an admission essay expressing your interest and motivation to study and practice nursing. There is also an application fee of $25.00.

Once the Admissions Office has received your documents, the applicant would need to present all official transcripts of your high school and college education as well as complete all other pre-requisites. The applicant must then arrange to take the school’s Nursing Exam Test. If the applicant passes the test, the next stage will be the admissions interview. The Admissions Office will then notify all successful applicants in writing once the Applications Committee has determined results of the application process.

The Cochran School of Nursing has nursing theory classes and clinical practice sessions during the day designed for full time students as well as during the evenings and on Saturdays to accommodate the needs of other students who may not be available for day studies.

The students of Cochran School of Nursing obtain clinical education and training from top hospitals in the Westchester County area such as St. John’s Riverside Hospital, Westchester Medical Center, and Visiting Nurse Association of Hudson Valley among others.

Milos Pesic is a successful webmaster and owner of popular and comprehensive Nursing Education web site. For more articles and resources on Nursing related topics, Nursing Jobs, Nursing Schools, Nursing Education and much more visit his site at:

=>http://nursing.need-to-know.net/

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A Look at the Denver School of Nursing

Saturday, June 21st, 2003

The Denver School of Nursing is a privately held institution that provides postsecondary education in the field of nursing and allied healthcare. The Professional Education Corporation, a private company in Colorado, owns and runs the school with authorization from the Colorado Commission on Higher Education (CCHE).

The Denver School of Nursing offers two associate degree programs and a baccalaureate degree program, all of which has received approval from the Colorado State Board of Nursing. Graduates of Denver School of Nursing are eligible to take nursing licensure exams. The Denver School of Nursing offers courses during the entire year with day, evening and weekend classes.

The campus of the Denver School of Nursing is in the downtown area of Denver, Colorado with a 25,000 square foot building housing modern classrooms, laboratories and offices. The school has over forty nursing faculty members.

Admission to the Denver School of Nursing requires that the prospective enrollee complete an application form and an admissions interview. Applicants must have finished secondary education and should be 18 years old if not during their application then at the least when they start classes. Transcripts of all previous course work, school diploma and certification of age are some of the document requirements. Some applicants may need to undergo an entrance exam depending on the program. In addition, applicants must be proficient in English as all classes offered are in English. You may download an application form from the school’s website.

The Denver School of Nursing offers financial assistance to eligible students through the Career Training Loan program provided by SLM Financial Corporation. One of the requirements to qualify for the loan is a good credit rating. If you have bad credit, you may still apply for a loan with a co-borrower who has good credit. The loan program makes it possible for borrowers to get funding for the entire cost of their education. The loans have variable interest rates, a standard 15-year repayment term with an interest-only payment option while the borrower is still in school. Your admissions representative will be able to assist you with your financing application.

In addition to its student financial services, the Denver School of Nursing also provides free career-oriented services to all its students and graduates to help them secure employment in the healthcare field. The school’s career services include resume building, writing cover letters, employment interview simulations, career counseling, assistance with licensure exam applications, job fairs and others.

Milos Pesic is a successful webmaster and owner of popular and comprehensive Nursing Education web site. For more articles and resources on Nursing related topics, Nursing Jobs, Nursing Schools, Nursing Education and much more visit his site at:

=>http://nursing.need-to-know.net/

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Extensive Education in the University Of Maryland School Of Nursing

Saturday, June 21st, 2003

The University Of Maryland School Of Nursing has been in existence since 1889, making it one of the oldest nursing schools in America. Not only does it boast of a rich and long history spanning more than a hundred years, but also a consistent recognition as one of America’s top ten nursing schools.

The University Of Maryland School Of Nursing is located in a campus in Baltimore together with other professional schools of the University. It is the largest nursing school in the state of Maryland with a current enrollment of about 1,300 students and over 100 faculty members.

It offers extensive nursing education programs from the traditional two-year undergraduate nursing program to an online bachelor’s degree program for registered nurses. The school also offers graduate programs such as Master’s Studies with over 20 specialty studies to include critical care, psychiatric health nursing and nursing administration as well and Doctoral degrees.

The University Of Maryland School Of Nursing initiated several education programs in nursing such as nursing informatics and nursing health policy including a program for midwifery. In addition, The University of Maryland School Of Nursing offers distance-learning programs enabling both undergraduate and graduate students to complete their studies off-campus from outreach locations all over Maryland.

The University Of Maryland School Of Nursing provides its students wide-ranging clinical education and hands-on training through its partnerships with various hospital and health care providers in Maryland as well as by utilizing its own state-of-the-art facilities and laboratories. Some of its practicum sites are the University of Maryland Medical System, the Shady Grove Hospital and the Johns Hopkins Hospital and many others.

Each program of The University of Maryland School Of Nursing has its own set of criteria for admissions, which you can find on their website. You may also apply online or download application forms from the site. The school’s admission staff regularly offers information sessions for those seeking advice and more information about the school’s curriculum and other admission-related concerns.

In addition to state funding, The University Of Maryland School Of Nursing also receives support from its philanthropic partners from businesses, foundations and alumni who have invested in the school to help it continue its mission of providing excellent quality nursing education. There are several ways to invest in the school from cash donations to investment funds and bequests. Contact the Development Staff of The University of Maryland School Of Nursing for more information on how to give to the school.

Milos Pesic is a successful webmaster and owner of popular and comprehensive Nursing Education web site. For more articles and resources on Nursing related topics, Nursing Jobs, Nursing Schools, Nursing Education and much more visit his site at:

=>http://nursing.need-to-know.net/

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An Overview of the Prestigious Yale School of Nursing

Saturday, June 21st, 2003

Widely recognized as institution of nursing education, research and practice, Yale School of Nursing ranks among the top ten Best Graduate Schools of Nursing in America. The prestigious Yale School of Nursing was established in 1923 at Yale University in New Haven, Connecticut.

Yale School of Nursing has a Master of Science in Nursing program with several specialties including nurse practitioner, nurse midwifery and clinical nurse specialist.
This program can be completed on part-time enrollment, which is typically three to four years of study or a two-year full time enrollment.

In addition, the school also offers a Doctor of Nursing Science program. Yale School of Nursing has an outstanding research program in the area of Management of Health and Illness as well as Health Services Delivery and Policy.

Students with previous bachelor’s degree not in the field of nursing may enroll in the program called Graduate Entry Prespecialty in Nursing or GEPN, which is a three-year program on a full-time basis. Yale School of Nursing does not offer undergraduate nursing studies.

If you are interested in attending the Yale School of Nursing, but you are not sure which particular course of study to take, the school’s Student Recruitment and Placement staff will be willing to meet with you personally or speak with you over the phone to advise you about the varied programs offered by the school.

If you are ready to make an application, you can do so online through the Yale School of Nursing website where, alternatively, you can download and print an application form. The site also lists the specific admission requirements and deadlines for each nursing program.

Some of the documents that you may have to present with your application are transcripts from each college or university that you have attended, three letters of recommendation or reference, test scores, and admissions essays. Applicants who are non-native English speakers must take the Test of English as a Foreign Language or TOEFL.

Yale School of Nursing accepts students from abroad. International students go through the same admission procedures as students in the United States. As a requirement, all applicants must take the General Test of the Graduate Record Examinations and submit their scores with their completed applications. Applicants must take a series of exams and complete all necessary document requirements in order to gain admission. Prompt action is necessary to ensure you application deadlines.
Yale School of Nursing is open to any qualified student regardless of his or her financial status. The school extends financial aid both to its US and International students through scholarships, grants and loans.

Milos Pesic is a successful webmaster and owner of popular and comprehensive Nursing Education web site. For more articles and resources on Nursing related topics, Nursing Jobs, Nursing Schools, Nursing Education and much more visit his site at:

=>http://nursing.need-to-know.net/

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Ten Tips For a New Director of Workplace Safety

Thursday, February 20th, 2003

The job of safety director can and should be one of the most rewarding jobs in industry. After all, you get paid to make sure people have a happy and safe day at work - or at least that they leave with the same number of fingers and toes that they come in with.

If you are taking over an existing program, you are gong to be expected to improve no matter how good the previous person was. If you are just starting a new safety program, you will be faced with the challenges of changing the way people think about safety.

Here are some important tips that will help guide you to having a successful experience as a safety director:

  1. Know your personal goals. In order to feel successful in any job, you have to know how that job fits into your own life goals. Know what your expectations are of your self. Make sure you have personal goals that are satisfied by this job.

  2. Know and understand your company’s stance on safety. While most major companies have a genuine interest in keeping their employees safe and highly motivated, some companies have safety programs because they have to. Again make sure the companies goals align with your personal goals.

  3. Get to know your workers. Spend time on the factory floor. Make the workers feel comfortable talking to you. You will get a lot more cooperation from them in times of change if they feel you really care about their safety.

  4. Really care about the safety of the employees. Remember that assembly line workers have a different attitude toward work than professionals. While you may never consider doing an unsafe act at work, many employees will do whatever it takes to keep a job or to look like a hero at work. Understand the motivation of the employees and take the precautions necessary to protect them.

  5. Focus on real problems. While the number of potential hazards in a facility are infinite, there will likely be a few major areas that cause real problems for employees. Start in these areas before moving on to far fetched potential problems. I once had a maintenance worker injured installing a guard over something that had been exposed for twenty years and never caused an injury.

  6. Network with other safety professionals. You will gain knowledge beyond value by talking with others who are faced with the same problems you are. Find out what works and what does not work in safety networking meetings. You can join a local group of safety professionals as well as communicate with others safety directors within your company.

  7. Always be loyal to your company. Resist the temptation to whine and complain because your company will not give you all the resources that you ask for. Never reveal any potential hazards or violations outside your own company. If you have a problem with the way things are done, discuss it with your boss or seek another job. Don’t set yourself up to be the scapegoat when things go wrong.

  8. Accept the responsibility for the safety of the workers. Don’t be afraid to stop a machine or a job that is being preformed in an unsafe manner. If you have taken the time to get to know the workers and the jobs that they perform, you decision will be respected.

  9. Keep accurate records. Even if you think your safety numbers will look better if you don’t record certain data, you will never be able to make good decisions without good data.

  10. Get a mentor or a coach to guide you. Handling safety issues can be very stressful when things go wrong. You need someone you can trust to share ideas
    and concerns. A mentor or coach can also help you maintain focus on your own
    goals so that your work fits into living a satisfying and successful life. Your
    mentor or coach can also be a big help at salary review time to assist you in
    wording your list of accomplishments so that your employer understands how
    valuable you are to the company’s bottom line.

Mike Strawbridge is the owner of Straw Solutions Performance Improvement Consulting. He is available to coach and assist managers and employees on any level to achieve their personal and corporate goals.

See http://www.mikestrawbridge.com for more information.

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Arcade Style Games Showing Up On Social Networking Sites

Thursday, February 13th, 2003

With the growing popularity of social networking sites like My Space, people are looking all over the place for ideas to make their individual site stand out among all the thousands of others. One of the ways people are accomplishing this is by finding cool sites that will help you post fun things like MySpace games and other stuff that is fun and interesting on your page. Most of these are free games where you basically just copy a bit of code and paste it on your My Space page and voilla, you have a game ready to go.

Some of these are cooler than others, and the ones I like best are the ones that offer arcade games . I have always been a big fan of arcades and this is a cool way to get to play some of your favorite games without actually getting in your car and driving to the arcade. On top of that, you can share the games with your friends so they can play too, so they can play a free online game, and on many of these arcades you can actually save high scores, etc., so that you can see who is the resident champion at a given game and how you yourself stand up to the competition.

The concept of putting a free online game on a website to get people to spend time there is not a new one. It has been around on many a forum site for literally years, but what is new is that you can now actually put them on your individual page at almost any of the major popular social networking websites and share them that way. Also, some of these new arcades offer really cool ones, like this maffia game I’ve been playing. This is a different concept because it is more personal and enables a larger number of people to actually host their own web based arcade without being a skilled web developer.

For more information log on to www.redpython.com or contact us at P.w.m.smeets@home.nl

Pascal Smeets is well known author who writes about free online games on www.redpython.com

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