When was the last time you received a handwritten note from a business associate? It may be that it was too long ago for you to remember. On the other hand, if you have gotten one lately, you know exactly who sent it and when. Handwritten notes have become almost extinct in the business world. So if you are looking for ways to stand from the crowd, to be noticed by your colleagues and clients, try putting pen to paper whenever you have the slightest excuse.There are few acts more impressive than handwriting a letter or a note to someone with whom you do business or would like to. Most people think that writing notes by hand requires extra time and effort. Ironically, it can be quick and painless if you do it frequently and follow these tips:1. Have writing supplies close at hand. Store stationery and stamps in the most convenient place in your desk. When you need to send a note, all you have to do is reach for your stationary, dash off a few lines, address the envelope, put the stamp in place and mail it.2. Keep your message brief. These are notes so you only have to come up with three or four sentences. If you attempt to compose more than a few lines, writer's block is liable to set in and you will never get past "start." 3. Develop a system. Before you head out of the office to a business meal or function that someone else is hosting, address an envelop to your host. It will be a breeze to jot down your short message when you return.4. Use the appropriate professional stationary. Both single-sided correspondence cards and fold-over notes with the company name or logo imprinted on them are business-like and will represent you and your organization well.5. Poor penmanship is no excuse unless your handwriting is totally illegible. The person who receives your note will appreciate your thoughtfulness and will not be grading your handwriting. If your penmanship does not meet your standards, it is never too late to improve. There are numerous resources at your library or on the Internet to teach you to write legibly.6. Use any occasion to get noticed with a note. A few of those instances are when...You have received a giftYou were a guest in someone's homeYou were hosted to a mealYou received a business favorYou are replying to an invitationYou are sending condolencesYou want to offer congratulationsYou need to apologize7. Make your message timely. Whether you are sending a note of appreciation, congratulation or condolence, do it as quickly as possible. A thank you should go out within 24 to 48 hours. However, don't forgo sending a note because you think too much time has elapsed. There is no definite statute of limitations on appreciation.8. Understand that e-mail is not a substitute for the personal handwritten message. The Internet is fast, efficient and remote. If you are corresponding by e-mail immediately following a meeting with a business associate, include your expression of gratitude, but don't let that stop you from sending a second message by ground.Successful people pay attention to the details and look for ways to build better business relationships. When you take the time to send handwritten notes, you will stand out from the crowd for all the right reasons. Your next big sale or job promotion may came about as a result of your doing business just a little differently.(c) 2005, Lydia Ramsey. All rights in all media reserved.
Crime can hardly be predicted. It can happen anytime, anywhere. And we can never be sure that we are out of harm's way - not even in our own homes.Alarm systems are one of the protective mechanisms being used against crime, particularly burglary. Today, safety alarms are manufactured in electronic forms. Samples of these include easy-to-install door sensors, portable vehicle protection devices, and sophisticated wireless home security systems.If you want to avail of professional services with your home alarm system, you can hire a burglar alarm company. Using special computers and phone lines, as well as competent staff, alarm system companies look after the security system of homes and commercial businesses. They also coordinate with the appropriate authorities in case of security emergencies. Of course, their service comes with a monthly charge. The experience and quality of service should also be measured if hiring a "burglar alarm" company is being considered. That is why, it is important that you should make some research before selecting one.Choosing the most fitting burglar alarm company should not be a tedious job if you know the proper procedures. Below are some useful guidelines you can tag on while considering hiring such companies.Running an Initial Examination* Call the National Burglar and Fire Alarm Association. Request for a copy of the registered member companies in your locality.* You can also ask from them copies of brochures or magazines that provide information about home security. Read them so you can get acquainted with the basics of home protection and the terminologies employed by the industry.* Solicit referrals from your neighbors, relatives, friends, and insurance agents.* Call the companies suggested by your neighbors, relatives, and insurance agents, as well as those listed by the National Burglar and Fire Alarm Association. Make sure that they are duly licensed and recognized by the National Burglar and Fire Alarm Association. Moreover, inquire if they take part in the Installation Quality Certification Program.* Reduce your selections to approximately five companies or less.* Arrange for a meeting with the representative of the companies. Schedule the appointment in an occasion when all the members of the family can attend. This is to be sure that all of them will know what the representatives have to offer about their systems.What to inquire to the representative* During the appointment, ask the agent the following questions:o For how long has the company been running? This will give you an idea of the experience of the company in the industry.o Is the monitoring station operating 24 hours in a day? Is the customer service line accessible 24 hours a day, as well?o Is the monitoring centers' power supply well backed-up? You should be assured that in cases of power interruptions, your home must still be under continuous monitoring.o Has the company undergone proper training programs? Are the staffs of the company equipped with the required skills needed for the installation or operation of employed equipment? Are they trained in troubleshooting or repairing the system, as well?o Ask the representative to make an inspection of your area. In addition, you can also insist that he write recommendations with supportive explanations.You can make your personal assessment of the company through your interview with its representative. If he has provided you with honest and appropriate answers, it is a sign that you can have a good deal.
Many homeowners complain that, in these days of refinancing fever, customer service is sluggish, at best. Lenders don't return phone calls or reply to emails, leaving consumers in limbo. Here are five things you can do to help grease the wheels before interest rates have another chance to rise. 1. Have your ducks in a row: Documents are the name of the game when it's time to processing a mortgage loan. Call ahead and find out what you need to bring before you sign the application on the dotted line. These may include tax returns, legal papers, or your spouse (to sign paperwork). If you have everything ready when you show up at the bank, things move quickly. 2. Be ready for the race: It's great if you're "on the mark" and "set;" but if you're not ready to "go," you may be eliminated from the race. If fees are due for credit checks, appraisals, etc. before the closing can take place, make sure that you have the money in hand, and pay them promptly. If you aren't ready to lock in a rate, your home mortgage application process may not go forward. By the time you finally decide, more decisive customers may reach the finish line first. 3. Treat it like a doctor's appointment: When you go to the doctor with a specific complaint, the most important thing is to communicate your symptoms. This way, the doctor can prescribe the ideal remedy. Before you make an appointment with a mortgage loan officer, write down your top five reasons for refinancing. This way, you can get the exact mortgage package that's appropriate for you. 4. Narrow the field: Use the Internet to research various mortgage options, and narrow the field before you talk to your lender. Do you want an adjustable or fixed rate? Do you want to pay the same amount each month, but shorten the life of the loan? Are you trying to free up some needed cash, or just hoping to lock in a lower rate? Do you want to pay down principal, or just pay interest? Ask yourself these questions ahead of time. By knowing your priorities, it will be easier for your lender to suggest the home loan mortgage refinancing that best fits your specific needs. 5. Don't babysit the mortgage refinancing loan process: Once the loan is in progress, keep in touch with your lender, but don't become a backseat driver who looks over the loan officer's shoulder every mile of the way.By following these five simple protocols, you'll greatly assist your loan officer. And that translates into helping yourself to a smoother and faster mortgage loan refinance.
Here are seven excellent ways to earn income from international trade.1. Importing: Retail store owners can find additional products to sell from foreign manufacturers, distributors, and other suppliers. You may even decide to go exclusively into the import business and become a wholesale distributor.2. Exporting: Manufacturers can find new customers for their products in foreign countries. You could also become an Export Management Agent. Arrange for other domestic companies to sell their products to foreign corporations and earn a commission.3. Licensing: Consider becoming a licensing agent. Earn royalties by arranging for foreign corporations to manufacture and sell the products of domestic companies.4. Finder`s Fees: You can earn fees from domestic companies for finding foreign buyers (or for finding suitable imports from foreign suppliers). You can also earn fees from foreign companies for finding domestic corporations that will buy their products (or for finding suitable suppliers and products from domestic corporations).5. Drop Shipping: Visualize receiving an order from a customer based in a foreign country and not having to be bothered with shipping and handling the product. No customs declarations or brokers are required by you. This is because your drop ship supplier is handling those details.6. Mail Order: Add a mail order service to your existing business operation. Manufacturers, retail stores, and other businesses can increase their sales by using this additional method of selling that is very conducive to international trade.7. Internet Marketing: You can also extend your reach to worldwide customers by means of the Internet. Methods of obtaining foreign business include affiliate marketing, online auctions, online stores, and websites.
India's software industry has over the years grown in importance in the global market that we now have. The majority of revenue generated is from their export market (i.e. selling services to offshore companies), which is in heavy competition with the USA.After 9/11, many companies around the world realised the need for offshore back-up systems and this prompted a rash of investment by banks, airlines, telecommunications and IT companies.The Indian software industry is worth approximately $38billion, with $31billion of that being generated from exports.So who are the major players?Infosys (NASDAQ - INFY), which floated on the US stock market in 1999, is an Indian IT outsourcing with no Indian clients. It's purely a player on the global stage and one that's only growing. Its shares may not be on the rise right now, but once the dollar grows back in strength their value will show and it will be time to sell.If you're brave and enjoy a venture in to the foreign markets India's TCS (Tata Consultancy Services Ltd) is another of the major players in India's software and IT outsourcing industry. Tata may be a name familiar to many of you from Tata Holdings, which is one of India's biggest industrial groups, so you can feel very confident about this stock's value and future. Currently, TCS (TCS.NS) is listed on India's national stock exchange.Next up is Wipro Technologies (NYSE - WIT) a company that has over the past couple of years has snapped up various US and European companies, which is sure to have sent out a message to their Western competitors of their intent to continue moving forward. And its competitors in the West are companies which just cannot compete with India's lower wagers but higher skills level.What can major Western software companies do to fight back? Will home grown Indian companies be buying up the major Western players as they find that they cannot compete in the long-term?I cannot answer the second question, but a possible answer for the first is that some of the advantages established Western companies have over emerging Indian companies are the experience in managing projects efficiently and meeting deadlines and the basic infrastructure within their own company and society ensures there is less rough and more polish. It's not to say that some of India's IT companies are not on equal (or superior) footing in terms of infrastructure but the companies leading the way in terms of infrastructure are majors such as TCS, Wipro and Infosys. For smaller projects, investment in India is a gamble, as you may not know of the products doom until the eleventh hour. Western companies survival will depend up on them promoting the quality of development they have to offer and the solidity of project management from beginning to end.