Dairy-Free Baba Ghanouj

Prepare this naturally dairy-free Middle Eastern eggplant dip and serve with toasted pita bread or crackers. Don’t limit this dairy-free delight to just a dip, it’s also thick enough to be used as a spread on whole-wheat toast or sandwiches.


Preparation time: 30 minutes (including time for the eggplant to cool after baking)


Cooking time: 1 hour


Chilling time: 1 hour


Yield: Six 1/4-cup servings


1 pound of eggplant (about 2 medium)


3 tablespoons tahini


2 teaspoons minced garlic


3 tablespoons lemon juice


1/4 cup finely chopped flat-leaf parsley



  1. Preheat the oven to 350 degrees. Lightly grease a 9-x-13-inch baking pan.



  2. Slice the eggplant in half lengthwise and place the halves in the baking pan, insides facing down. Cover the pan with foil.



  3. Bake the eggplant for about 1 hour, or until soft. Remove it from the oven, take off the foil, and allow the eggplant to cool enough to handle, about 15 minutes.



  4. Scoop out the eggplant seeds with a spoon and discard, and then use a paring knife to gently peel off the outer dark skin. (It will be easy to remove. The eggplant flattens, so it’s easy to remove the innards, too.) Discard seeds and skin.



  5. Chop eggplant and place it in a blender or food processor. Add the remaining ingredients and blend until smooth. Use a spatula and transfer the mixture into a serving bowl. Chill for 1 hour before serving.




Tahini is a mild-tasting paste made from ground sesame seeds and used as an ingredient in many dips, glazes, and salad dressings. You can find tahini in the Middle Eastern section of your grocery store. Be sure to stir in the layer of natural oil floating on top before scooping out the tahini.


Per serving: Calories 67 (37 from Fat); Fat 4g (Saturated 1g); Cholesterol 0mg; Sodium 6mg; Carbohydrate 7g (Dietary Fiber 2g); Protein 2g.




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Source:http://www.dummies.com/how-to/content/dairyfree-baba-ghanouj.html

Galaxy Tab Tricks to Remember

You can get more done quickly on your Galaxy Tab if you know a few tricks. Here’s an assortment of handy time-saving tricks for you to keep in mind while you use, abuse, or excuse the Galaxy Tab:



  • Dictation! You can speak into the Galaxy Tab as an effective and quick alternative to using the onscreen keyboard.



  • Quickly switch between two or more programs by using the Recent Apps button found at the bottom left of the Home screen.



  • It’s often easier to read long web pages or eBooks by turning the Tab to a portrait (vertical) orientation.



  • Remember that you can add icons and widgets to the Home screen panels.



  • The Galaxy Tab can make phone calls, but you must install the proper app. For traditional phone calls, Skype is a good idea. You can use the Talk app for video chat.



  • Whenever possible, try to use the Galaxy Tab's Wi-Fi Internet connection to avoid incurring data usage charges.



  • Use the various Search commands to look for things on the Galaxy Tab, on the Internet, or in a specific app.











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Source:http://www.dummies.com/how-to/content/galaxy-tab-tricks-to-remember.html

Mutual Funds as Cheap as ETFs: Vanguard Admiral Shares

If you can meet the minimums and would rather invest in any of Vanguard’s mutual funds instead of ETFs, your average expense ratio would be 0.18 percent for the Admiral shares versus 0.17 percent for the ETFs.


Indexing leader Vanguard, as low as its fund costs are, has always charged larger investors even less. With a certain amount to invest, which was $100,000 until not long ago, you could qualify for Vanguard’s ultra-low-cost Admiral shares.


In October 2010, largely due to competition from ETFs (including Vanguard’s own ETFs), Vanguard lowered the minimum investment in its Admiral shares to a much smaller amount: $10,000 for most Vanguard index funds, and $50,000 for most actively managed funds.


In many cases, you can choose the very same fund in either the mutual fund or ETF class. For example, you can purchase the Vanguard Extended Market Index Admiral Shares mutual fund (VEXAX) or the Vanguard Extended Market Index ETF (VXF). Same fund.


The mutual fund will cost you 0.16 percent a year in management fees; the ETF will cost you 0.16 percent. (If you were to purchase the Investor class of the mutual fund, however, you’d pay 0.30 percent.)


In some cases, the ETF may be a sliver cheaper than the Admiral class mutual fund; in other cases, it’s the other way around. But we’re talking pennies here.


Keep in mind the basic differences between ETFs and mutual funds:



  • ETFs allow you to trade throughout the day, which can be a good thing or a bad thing, depending on whether you use or abuse that privilege. (Vanguard founder John Bogle has numerous times expressed dismay that ETFs encourage investors to trade frequently.)



  • ETFs typically involve trading fees and small spreads, and they may be subject to some small tracking error (nothing to worry much about unless you are trading frequently).



  • Also, Vanguard Admiral shares are not available at all brokerage houses. You can’t get them at Fidelity, for example.




On balance, whether you go with a Vanguard ETF or Vanguard Admiral share mutual fund, assuming we’re talking about two classes of the same fund, is a decision of no great consequence.


Keep in mind that a few favorite Vanguard funds — all in the municipal bond category — have not been issued as ETFs . . . yet. These include the Vanguard Intermediate-Term Tax Exempt Admiral fund (VWIUX), and a number of state-specific municipal funds, such as the Vanguard Pennsylvania Long-Term Tax-Exempt Admiral fund (VPALX) and its New York and Ohio equivalents.


In early 2011, Vanguard was all set to issue a lineup of muni ETFs that may have included versions of the funds listed here, but the firm decided to pull the plug given recent turbulence in the municipal markets. Stay tuned.




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Source:http://www.dummies.com/how-to/content/mutual-funds-as-cheap-as-etfs-vanguard-admiral-sha.html

Nondairy Tofu Sour Cream

To make this dairy-free substitute for sour cream, use a combination of lemon juice and tofu. This recipe can be used as a base in all your favorite dip recipes that call for sour cream, or add a dollop on a baked potato.


Preparation time: 10 minutes


Chilling time: At least 2 hours


Yield: 12 servings (1-1/2 cups)


One 10.5-ounce package of silken tofu, any variety of firmness


3 tablespoons vegetable oil


3 tablespoons lemon juice


1 teaspoon clover honey (optional for taste)



  1. Combine all the ingredients in a blender or food processor. Blend on high speed until smooth, about 2 to 3 minutes.



  2. Transfer the mixture to a glass container, cover, and chill at least.




Store foods with acidic ingredients, such as lemon juice, in nonreactive containers like glass, plastic, or stainless-steel. Aluminum and copper bowls may react with acidic ingredients and cause an off flavor.


Per serving: Calories 47 (38 from Fat); Fat 4g (Saturated 0g); Cholesterol 0mg; Sodium 9mg; Carbohydrate 1g (Dietary Fiber 0g); Protein 2g




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Source:http://www.dummies.com/how-to/content/nondairy-tofu-sour-cream.html

Strange-Looking Keys on the Mac

If you’re new to the Macintosh world, you might find the look of the Mac keyboard a bit mystifying. However, the modifier keys on a Mac keyboard allow you the same range of possible commands that you find on a PC keyboard, leading to greater efficiency within your applications. To become a Mac power user, you need to know these keys at a glance. The following chart illustrates the modifier keys on both Mac laptop and desktop keyboards.


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Source:http://www.dummies.com/how-to/content/strangelooking-keys-on-the-mac.html

How to Avoid Becoming a Personal Investing Victim

The Bernie Madoff scandal was a devastating experience for thousands of investors who had placed their trust and money with his firm and lost it all. Madoff's Ponzi scheme also created a crisis of confidence for investment markets and regulators. However, lessons can be learned from the misfortunes of others.


Here are a few red flags that will help you avoid becoming a victim of investment fraud.



  • Transparency: When working with any financial professional, transparency is vital. The ability to check your investment at any time via any independent source, such as the Internet or a newspaper, can help avoid shady dealings.


    In the Madoff scandal, Bernie’s firm kept a tight lid on asset values and investments. Clients would receive a statement once a year with only a dollar value. There was no mention on these statements indicating where the money was invested and, therefore, the clients had no ability to independently verify the value of their investments.



  • Independence: A way to practically ensure that your money is exactly where you expect it to be is by separating the custodian from the advisor. This means that the institution that is holding your money is independent from the firm or advisor that is managing the money.


    Bernie Madoff's investment firm maintained complete control of assets entrusted to them. The statements that clients received were created by his firm and reflected whatever Madoff wanted them to say. There were no checks and balances.


    By separating the advice from the custodian, you create a scenario where two entities are sending statements and are accountable to each other. It is extremely difficult, if not impossible, to create a Madoff-type scam if the assets are handled this way.



  • Returns that are too good to be true: Even the best financial advisors and money managers experience difficult times. The path to profitable returns is rarely a straight line. Although advisors or the market could produce a series of large returns, an investment professional with a 20-year streak of well-above-average returns each year raises a red flag.


    Many talented financial professionals have a long-term history of performing better than average. However, even the best money managers go through slumps. Warren Buffet has had numerous years when his performance fell short of the market. However, it is his overall return that makes him so talented, not a perfect record.



  • Use common sense: We should all be a little wiser after the experiences in the market, economy, and scandals of the past several years. Let common sense be your guide. If the way your money is being handled doesn’t sit well with you, don’t be afraid to investigate or make changes.



  • Giving one person the keys to your kingdom may seem easy, but it can lead to problems later. Using your head and focusing on independence will be very difficult for someone to take advantage of you and your money.






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Source:http://www.dummies.com/how-to/content/how-to-avoid-becoming-a-personal-investing-victim.html

How to Store Cheese

The best way to keep cheese fresh is to purchase it cut to order rather than pre-cut, wrapped, and ready to go. Freshly sliced cheese tastes better and lasts longer, and you can rewrap it in the paper it’s sold in. But if you’re buying cheese for future rather than immediate use or if you have leftovers, you need to know how to store it in a way that preserves its freshness and flavor.


The main thing to remember is that cheeses need to be appropriately wrapped for storage. You can buy the special cheese paper cheesemongers use (Formaticum is the most popular brand), which has two layers: One is a permeable cellophane that allows the cheese to breathe, and the other is similar to butcher paper and retains moisture.


You can purchase cheese paper at many cheese shops or specialty food stores or online. Or you can create your own version of this handy wrap: First wrap the cheese in wax or parchment paper and then cover it in a layer of plastic wrap.


Here are some tips on how to preserve different styles of cheese:



  • Fresh cheeses: Keep them sealed in their original container (which may or may not contain brine) or tightly encased in plastic wrap.



  • Semi-soft, surface-ripened, semi-hard, and washed-rind cheeses: Wrap these cheeses loosely in parchment paper, place in a plastic container with a tight-fitting lid, and store them in the vegetable crisper drawer of your refrigerator. Because cheese continues to ripen as it ages, air out the cheese every day or so by unwrapping it and letting it sit at room temperature for approximately half an hour.



  • Blue cheeses: Wrap blue cheese in waxed or butcher paper and store it in a plastic container with a tight-fitting lid. Place it in the vegetable crisper drawer of your refrigerator and allow it to air out every other day or so, as described above.




Letting any cheese come up to room temperature and then re-refrigerating what you don’t eat increases the aging process, expediting its demise. The best way to keep cheese fresh is to cut off a hunk (or three) and enjoy some every day!









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Source:http://www.dummies.com/how-to/content/how-to-store-cheese.html

How to Dispel Myths about American Businesspeople

People who don’t get to meet many U.S. citizens sometimes have a distorted view of Americans. By becoming aware of how people from other countries and cultures may perceive you, you have a better chance of breaking through those misconceptions to develop stronger and more meaningful relationships with your business contacts:



  • Americans are ethnocentric. It's true — U.S. citizens, for the most part, tend to be a bit ethnocentric. Patriotism is certainly understandable and even admirable, but cultural elitism is counterproductive in building relationships. Strive to be open-minded and genuinely curious about the rest of the world.



  • Americans are clueless about other countries and cultures. To dispel this myth, demonstrate a genuine interest in your business contact's country, language, and beliefs.



  • Americans are too casual. Baby boomers ushered in a more casual lifestyle; this is true. But what constitutes too casual is a cultural preference, and many people outside the U.S. believe Americans have crossed the line. Let your business contact take the lead in formality.



  • Americans are loud and boisterous. Compared to Asians and people from more demure cultures, Americans tend to be way over the top. The key to appealing to people from other cultures is to err on the side of being more reserved — at least until you have a chance to observe the level of exuberance your customers or business contacts exhibit.



  • Americans focus only on short-term gains. In countries that have been in existence for thousands of years, people often develop business and personal relationships that last for generations. These same folks often think that Americans tend to be rather shortsighted, looking to score a quick transaction and move on to the next deal.


    When working with clients from other cultures, look at time spent socializing as time well spent. Although the initial process may take longer than you’re used to, keep in mind that this could save time and boost sales in the long run — when your clients and the people they refer begin the next transaction by trusting you.



  • Americans are somewhat brusque in business dealings. Outside the United States, salespeople and clients usually engage in a lot more small talk and relationship building before they get down to business. So, to work well in other countries, take this advice — chill out.



  • Americans are overly materialistic. The U.S. media do an outstanding job of stereotyping Americans as celebrity-hungry material girls (and guys). To make it clear this stereotype doesn't apply to you, ask fewer questions about people’s job, the cars they drive, and the houses they live in and more questions about the people's families, interests, and activities.



  • All Americans are rich. Thanks to television shows and movies shown around the world, many people have the mistaken impression that all Americans live in ten-bedroom mansions with solid gold water bowls for their dogs. The only way to dispel this common myth is to answer questions about what's important to you honestly.



  • Americans are extravagant and wasteful. Consider establishing green policies for your business. Starting a recycling program, reducing your paper use, and cutting fuel consumption demonstrates your commitment to being a responsible citizen of the world.






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Source:http://www.dummies.com/how-to/content/how-to-dispel-myths-about-american-businesspeople.html

Primary Reasons for Budgeting in a Business

Budgeting demands a fair amount of managers’ time and energy. So why should a business go through the time and effort of budgeting? Business managers budget and prepare budgeted financial statements for three main reasons: modeling, planning, and control.


Many budgeting computer programs are on the market today; ask your CPA or other financial consultant which one he or she thinks is best for your business.


Modeling reasons for budgeting


Business managers should make detailed analyses to determine how to improve the financial performance and condition of their business. The status quo is usually not good enough; business managers are paid to improve things — not to simply rest on their past accomplishments.


For this reason, managers should develop good models of profit, cash flow, and financial condition for their business. Models are blueprints or schematics of how things work. A financial model is like a roadmap that clearly marks the pathways to profit, cash flow, and financial condition.


Business managers need a model for planning cash flow from operating activities. Managers should definitely forecast the amount of cash they will generate during the coming year from making profit. The best advice is to prepare all three budgeted financial statements:



  • Budgeted income statement (profit report): A Profit & Loss report separates variable and fixed expenses and includes sales volume, margin per unit, and other factors that determine profit performance. The P&L report reveals the factors that must be improved in order to improve profit performance in the coming period.



  • Budgeted balance sheet: The key connections and ratios between sales revenue and expenses and their corresponding assets and liabilities are the elements in the model for the budgeted balance sheet. The budgeted changes in operating assets and liabilities provide the information needed for budgeting cash flows during the coming year.



  • Budgeted statement of cash flows: The budgeted changes during the coming year in the assets and liabilities used in making profit (conducting operating activities) determine cash flow from operating activities for the coming year.


    In contrast, the cash flows of investing and financing activities depend on the managers’ strategic decisions regarding capital expenditures that will be made during the coming year, how much new capital will be raised from debt and owners’ sources of capital, and the business’s policy regarding cash distributions from profit.




Budgeting requires good working models of making profit, financial condition (assets and liabilities), and cash flow. Budgeting provides a strong incentive for business managers to develop financial models that help them make strategic decisions, exercise control, and do better planning.


Planning reasons for budgeting


Budgeting forces managers to create a definite and detailed financial plan for the coming year. To construct a budget, managers have to establish financial objectives for the coming year and identify exactly what has to be done to accomplish these objectives. Budgeted financial statements and their supporting schedules provide clear destination points — the financial flight plan for a business.


The process of putting together a budget directs attention to the specific things that you must do to achieve your profit objectives and optimize your assets and capital. Basically, budgets are a form of planning that push managers to answer the question “How are we going to get there from here?”


Budgeting can also yield other important planning-related benefits:



  • Budgeting encourages a business to articulate its vision, strategy, and goals.



  • Budgeting imposes discipline and deadlines on the planning process.




Management control reasons for budgeting


Budgets serve a management-control function. Management control, first and foremost, means achieving the financial goals and objectives of the business, which requires comparing actual performance against benchmarks and holding individual managers responsible for keeping the business on schedule in reaching its financial objectives.


By using budget targets as benchmarks, managers can closely monitor progress toward (or deviations from) the budget goals and timetable. Significant variations from the budget raise red flags, in which case you can determine that performance is off course or that the budget needs to be revised because of unexpected developments.


For management control, a budgeted profit report is divided into months or quarters for the coming year. The budgeted balance sheet and budgeted cash flow statement may also be put on a monthly or quarterly basis. The business should not wait too long to compare budgeted sales revenue and expenses against actual performance.


Profit is the main thing to pay attention to, but accounts receivable and inventory can also get out of control (become too high relative to actual sales revenue and cost of goods sold expense), causing cash flow problems. A business cannot afford to ignore its balance sheet and cash flow numbers until the end of the year.




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Source:http://www.dummies.com/how-to/content/primary-reasons-for-budgeting-in-a-business.html

Assessing Risks and Returns from Short Selling and Leverage

Leverage introduces risk to your day trading, and that can give you greatly increased returns. Most day traders use leverage, at least part of the time, in order to make their trading activities pay off in cold, hard cash. The challenge is to use leverage responsibly. The two issues most related to leverage are losing your money and losing your nerve. Understanding those risks can help you determine how much leverage you should take, and how often you can take it.



Losing your money


Losing money is obvious. Leverage magnifies your returns, but it also magnifies your risks. Any borrowings have to be repaid regardless. If you buy or sell a futures or options contract, you are legally obligated to perform, even if you have lost money. That can be really hard. Day trading is risky in large part because of the amount of leverage used. If you don't feel comfortable with that, you may want to use little or no leverage, especially when you are new to day trading or when you are starting to work a new trading strategy.



Losing your nerve


The basic risk and return of your underlying strategy isn't affected by leverage. If you expect that your system will work about 60 percent of the time, then that should hold no matter how much money is at stake or where that money came from. However, it's likely that it does make a difference to you on some subconscious level if you have borrowed the money.



Trading is very much a game of nerves. If you hesitate to make a trade, cut a loss, or otherwise follow your strategy, you're going to run into trouble.



Say you're trading futures and decide to accept three downticks before selling, and that you will look for five upticks before selling. This means you are willing to accept some loss, cut it if it gets out of hand, and then be disciplined about taking gains when you get them. This strategy keeps a lid on your losses while forcing some discipline on your gains.



Now, suppose you are dealing with lots and lots of leverage. Suddenly, those downticks become too real to you — it's money you don't have. Next thing you know, you only accept two downticks before closing out. But this keeps you from getting winners. Then you decide to ride with your winners, and suddenly you aren't taking profits fast enough, and your positions move against you. Your fear of loss is making you sloppy. That's why many traders find it better to borrow less money and stick to their system rather than borrow the maximum allowed and let that knowledge cloud their judgment.



Lenders can lose their nerve, too. Your brokerage firm might close your account because of losses, even though waiting just a little longer might turn a losing position into a profit.



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Source:http://www.dummies.com/how-to/content/assessing-risks-and-returns-from-short-selling-and.html

Move a Layer's Content in Photoshop Elements 10

Moving the content of a layer is easy: Grab the Move tool from the Tools panel, select your layer on the Layers panel, and drag the element on the canvas to your desired location. You can also move the layer in 1-pixel increments by using the keyboard arrow keys. Press Shift with the arrows to move in 10-pixel increments.


The Auto-Select Layer option on the Options bar enables you to switch to a layer when you click any part of that layer’s content with the Move tool. But be careful if you have a lot of overlapping layers because this technique can sometimes be more trouble than it’s worth.


The Move tool has additional options. Here’s the lowdown:



  • Show Bounding Box. This option surrounds the contents of your layer with a dotted box that has handles, enabling you to easily transform your layer.



  • Show Highlight on Rollover. Hover your mouse anywhere over the canvas to make an outline appear around the element on your layer. Click the highlighted layer to select it and then move it.



  • Arrange submenu. This menu enables you to change your selected layer’s position in the stacking order.



  • Link Layers. This option, which resides not on the Options bar, but in the Layers panel, connects the layers to make it easier to move (or transform) multiple layers simultaneously. Select a layer and then Ctrl-click (Command-click on the Macintosh) to select more layers. Click the Link Layers option.



  • Align submenu. Align your selected layers on the left, center, right, top, middle, and bottom. As with linking, select your first layer and then Shift-click to select more layers. Ctrl-click (Command-click on the Macintosh) to select non-consecutive layers. Choose an alignment option.



  • Distribute submenu. Use this menu to evenly space your selected layers on the left, center, right, top, middle, and bottom. As with aligning, select your first layer and then Shift-click to select more layers. Ctrl-click (Command-click on the Macintosh) to select non-consecutive layers. Choose your desired distribution option.






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Source:http://www.dummies.com/how-to/content/move-a-layers-content-in-photoshop-elements-10.html

Silica: Mineral Nutrition for Healing Fractures

According to some sources, silicon (commonly referred to as silica) is an essential macromineral nutrient — meaning you need to include sources in your diet. Others claim that although it is important for tissue strength, this nutrient, usually referred to as silica, is helpful but not essential to humans.


Silica is the most commonly found element in the earth’s soil and in foods. It gives strength and firmness to the body tissues — the bones, cartilage, connective tissues, arteries, and skin. This mineral is well worth a try if you’re trying to help heal fractures.


Here are the key functions of silica:



  • It supports and strengthens your skin, hair, and nails, as well as the joints and connective tissues.



  • It helps your arteries maintain flexibility and may, therefore, be helpful in the prevention of cardiovascular disease.




Silica occurs in plant fibers, so some is available from whole grains, particularly the hulls of wheat, oats, and rice. You can also find silica in vegetables (such as beets, lettuce, cucumbers, and onions) and in herbs (such as horsetail and oatstraw).




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Source:http://www.dummies.com/how-to/content/silica-mineral-nutrition-for-healing-fractures.html

Brokerage Firms Offer Accounts According to Creditworthiness

Most brokerage firms offer investors several different types of accounts, each serving a different purpose. The three most common are cash accounts, margin accounts, and option accounts.


The basic difference among accounts boils down to how particular brokers view your “creditworthiness” when it comes to buying and selling securities. If your credit isn’t great, your only choice is a cash account. If your credit is good, you can open either a cash account or a margin account.


Cash accounts


A cash account (also referred to as a Type 1 account) is just what you think it is: You deposit a sum of money with the new account application to begin trading. The amount of your initial deposit varies from broker to broker. Some brokers have a minimum of $10,000, while others let you open an account for as little as $500.


With a cash account, your money has to be deposited in the account before the closing (or settlement) date for any trade you make. The closing occurs three business days after the date you make the trade (the date of execution).


Margin accounts


A margin account (also called a Type 2 account) gives you the ability to borrow money against the securities in the account to buy more stock. After you’re approved, your brokerage firm gives you credit. A margin account has all the benefits of a cash account plus this ability of buying on margin. A margin account is also necessary if you plan on doing short-selling.


The interest rate that you pay varies depending on the broker, but most brokers generally charge a rate that is several points higher than their own borrowing rate.


Option accounts


An option account (also referred to as a Type 3 account) gives you all the capabilities of a margin account (which in turn also gives you the capabilities of a cash account) plus the ability to trade stock and index options. To open an options account, the broker usually asks you to sign a statement that you are knowledgeable about options and are familiar with the risks associated with them.




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Source:http://www.dummies.com/how-to/content/brokerage-firms-offer-accounts-according-to-credit.html

How to Burn CDs with iTunes

Besides being a great audio player, iTunes is adept at creating CDs, too, which you can play on your MacBook. iTunes makes the process of recording songs to a CD as simple as a few clicks. Making the modern version of a compilation (or mix) tape is easier than getting a kid to eat ice cream. iTunes lets you burn CDs in one of three formats:



  • Audio CD: This is the typical kind of commercial music CD that you buy at a store. Most typical music audio CDs store 700MB of data, which translates into about 80 minutes of music.



  • Data CD or DVD: A standard CD-ROM or DVD-ROM is recorded with the audio files. This disc can’t be played in any standard audio CD player. Therefore, you can listen to these songs only by using your MacBook and an audio player, such as iTunes on a PC running Windows.



  • MP3 CD: As does the ordinary computer CD-ROM, an MP3 CD holds MP3 files in data format. However, the files are arranged in such a way that they can be recognized by audio CD players that support the MP3 CD format (especially boomboxes, DVD players, personal CD players, and car stereos).


    Because MP3 files are so much smaller than the digital audio tracks found on traditional audio CDs, you can fit as many as 160 typical 4-minute songs on one disc. These discs can also be played on your MacBook via iTunes.




Keep in mind that MP3 CDs aren’t the same as the standard audio CDs that you buy at the store, and you can’t play them in older audio CD players that don’t support the MP3 CD format. Rather, this is the kind of archival disc that you burn at home for your own collection.


To begin the process, build a playlist (or select an existing playlist that you want to record). If necessary, create a new Playlist and add to it whatever songs you would like to have on the CD. With the songs in the correct order, right-click the playlist and choose Burn Playlist to Disc to commence the disc burning process. Click the desired recording format (again, usually Audio CD) in the Burn Settings dialog that appears.


To save yourself from sonic shock, enable the Sound Check check box before you burn. iTunes will adjust the volume on all the songs on your audio CD so that they’ll play at the same volume level.


Ready to go? Click Burn and load the blank disc. iTunes lets you know when the recording is complete.











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Source:http://www.dummies.com/how-to/content/how-to-burn-cds-with-itunes.navId-323207.html

For Seniors: Access an Online Program Through Your Laptop

Online programs are complete applications that you can access with your laptop, from anywhere you have Internet access. The benefits of online programs are obvious — you save hard drive space on your laptop (because you don't have to install the program there, or the files you create with that program) and you can easily share files.


Today, many programs are being made available online so you never have to install them on your laptop hard drive to use them. This makes it easy to access them from any computer (and not just your particular laptop). In addition, online programs allow you to store your files online as well — which means you can work on your files from anywhere.


A couple of online software sources that are popular today are Google Docs and Office Live. Both allow you to upload and share documents, as well as edit the documents online. Both these services allow you to create word-processed documents, spreadsheets, and presentations.


Google Docs also lets you create forms and drawings, while Office Live lets you also create One Note notebooks. One Note is a great tool for researching as you can cut and paste text into it, along with links that show the online source of the information.


Most online applications have a bit more limited functionality than their offline counterparts, (if any). However, online applications easily work with documents created in most other programs and they’re free!











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Source:http://www.dummies.com/how-to/content/for-seniors-access-an-online-program-through-your-.html

How to Make Your Will a Reflection of Your Wishes

Even the simplest wills are filled with confusing legal terminology. Discuss your will requirements with an attorney: Cover the value of your estate and your tax situation, the individuals and institutions you want to leave your estate to, and nursing home concerns — so that your attorney can help you prepare a will that accurately reflects your situation and preferences.


You need to specifically discuss the following items:



  • What your tax exposure situation is based on your estate’s value. Your estate may have to pay federal estate tax and any state estate or inheritance tax if your estate is worth more than the allowance at which taxes are owed. Your will needs to reflect your overall estate planning, including your tax planning, so both you and your attorney need to clearly understand all tax implications to your estate.



  • Who you want to take care of. You can write your will in many different ways to reflect who you want to give what portions of your estate. However, you need to have a general idea of which family members you want to take care of, such as:



    • Your spouse and your children



    • All your children (including adopted children and step-children), but only your children



    • Only some of your children



    • All your children and all your grandchildren



    • All your children and your brothers and sisters



    • Your parents and your brothers and sisters



    • Only two of your four children and all except one of your sisters





  • You also need to decide if you want some part of your estate (or even all your estate) to go to one or more charities, foundations, or other institutions.













dummies

Source:http://www.dummies.com/how-to/content/how-to-make-your-will-a-reflection-of-your-wishes.html

Network Administration: The Hosts File

The entire Internet was small enough that network administrators could keep track of it all in a simple text file called the Hosts file. It simply listed the name and IP address of every host on the network. Each computer had its own copy of the Hosts file.


The trick was keeping all those Hosts files up to date. Whenever a new host was added to the Internet, each network administrator would manually update his copy of the Hosts file to add the new host’s name and IP address.


As the Internet grew, so did the Hosts file. In the mid-1980s, it became obvious that a better solution was needed. Domain Naming Service (DNS) was invented to solve this problem.


Understanding the Hosts file is important for two reasons:



  • The Hosts file is not dead. For small networks, a Hosts file may still be the easiest way to provide name resolution for the network’s computers. In addition, a Hosts file can coexist with DNS. The Hosts file is always checked before DNS is used, so you can even use a Hosts file to override DNS if you want.



  • The Hosts file is the precursor to DNS. DNS was devised to circumvent the limitations of the Hosts file. You’ll be in a better position to appreciate the benefits of DNS when you understand how the Hosts file works.




The Hosts file is a simple text file that contains lines that match IP addresses with host names. You can edit the Hosts file with any text editor, including Notepad or by using the MS-DOS EDIT command. The exact location of the Hosts file depends on the client operating system.

























Location of the Hosts File
Operating SystemLocation of Hosts File
Windows 9x/Mec:\windows\hosts
Windows NT/2000c:\winnt\system32\drivers\etc\hosts
Windows XP and Vistac:\windows\system32\drivers\etc\hosts
Unix/Linux/etc/hosts

All TCP/IP implementations are installed with a starter Hosts file. For example, the listing below shows a sample Windows 7 TCP/IP Hosts file. As you can see, the starter file begins with some comments that explain the purpose of the file.


The Windows 7 Hosts file ends with comments which show the host mapping commands used to map for the host name localhost, mapped to the IP address 127.0.0.1. The IP address 127.0.0.1 is the standard loopback address. As a result, this entry allows a computer to refer to itself by using the name localhost.


Note that after the 127.0.0.1 localhost entry, another localhost entry defines the standard IPv6 loopback address (::2). This is required because unlike previous versions of Windows, Vista provides built-in support for IPv6.


Prior to Windows 7, these lines were not commented out in the Hosts file. But beginning with Windows 7, the name resolution for localhost is handled by DNS itself, so its definition isn’t required in the Hosts file.


A Sample Hosts File


# Copyright (c) 1993-2009 Microsoft Corp.
#
# This is a sample HOSTS file used by Microsoft TCP/IP for Windows.
#
# This file contains the mappings of IP addresses to host names. Each
# entry should be kept on an individual line. The IP address should
# be placed in the first column followed by the corresponding host name.
# The IP address and the host name should be separated by at least one
# space.
#
# Additionally, comments (such as these) may be inserted on individual
# lines or following the machine name denoted by a '#' symbol.
#
# For example:
#
# 102.54.94.97 rhino.acme.com # source server
# 38.25.63.10 x.acme.com # x client host
# localhost name resolution is handled within DNS itself.
#127.0.0.1 localhost
#::1 localhost


To add an entry to the Hosts file, simply edit the file in any text editor. Then, add a line at the bottom of the file, after the localhost entry. Each line that you add should list the IP address and the host name that you want to use for the address. For example, to associate the host name server1.LoweWriter.com with the IP address 192.168.168.201, you add this line to the Hosts file:


192.168.168.201 server1.LoweWriter.com

Then, whenever an application requests the IP address of the host name server1, the IP address 192.168.168.201 is returned.


You can also add an alias to a host mapping. This enables users to access a host by using the alias as an alternative name. For example, consider the following line:


192.168.168.201 server1.LoweWriter.com s1

Here, the device at address 192.168.168.201 can be accessed as server1.LoweWriter.com or just s1.


A Hosts File with Several Hosts Defined:


# Copyright (c) 1993-2009 Microsoft Corp.
#
# This is a sample HOSTS file used by Microsoft TCP/IP for Windows.
#
# This file contains the mappings of IP addresses to host names. Each
# entry should be kept on an individual line. The IP address should
# be placed in the first column followed by the corresponding host name.
# The IP address and the host name should be separated by at least one
# space.
#
# Additionally, comments (such as these) may be inserted on individual
# lines or following the machine name denoted by a '#' symbol.
#
# For example:
#
# 102.54.94.97 rhino.acme.com # source server
# 38.25.63.10 x.acme.com # x client host
# localhost name resolution is handled within DNS itself.
# 127.0.0.1 localhost
# ::1 localhost
192.168.168.200 doug.LoweWriter.com #Doug’s computer
192.168.168.201 server1.LoweWriter.com s1 #Main server
192.168.168.202 debbie.LoweWriter.com #Debbie’s computer
192.168.168.203 printer1.LoweWriter.com p1 #HP Laser Printer


Even if your network uses DNS, every client still has a Hosts file that defines at least localhost.




dummies

Source:http://www.dummies.com/how-to/content/network-administration-the-hosts-file.html

How to Get to School the Green Way


8 of 10 in Series:
The Essentials of Living Green with Children





Green education starts before children even arrive at school when you choose eco-friendly transportation to get to and from the classroom. In some cases, of course, it’s necessary for children to take big yellow school buses to school; that’s actually a very green way to go, too, despite the bus color. If you can’t ride the bus, choose a different yet still eco-friendly way to get kids to school.



  • Walking to school: If your children’s schools are close enough to walk to, leave the car in the garage. Walking is the greenest way to travel and does the least damage to the environment.


    Children love to hang out with their friends, so consider joining forces with other families who travel the same path to school as you and your children. This arrangement can give you adult company to chat with, or you can split the task of walking with the children to school. If enough children in your area head in the same direction to school, consider setting up a walking bus in which the children all walk together with a parent at the front as the “driver” and another parent at the back.



  • Setting up a carpool: Organize a group of parents to pick up the number of children that can safely be transported in the smallest car, and then take it in turns to drive them to and from school each day.


    Carpools are easiest to manage if they involve just two or three families. Find out which days work best (or worst) for the carpool drivers, and create a schedule that works for everyone and a system for notifying other members of the pool if someone isn’t riding on a particular day.


    For safety reasons, it’s essential that everyone involved in the carpool have full contact information for all the children’s parents, along with the children’s addresses, allergy notes, and any important health information. Parents should introduce their own children to the parents who are driving so that “stranger danger” strategies can be maintained.






dummies

Source:http://www.dummies.com/how-to/content/how-to-get-to-school-the-green-way.html

Image-Editing Software for WordPress Web Design

When you work with graphics (including digital photographs) for Web design, you work with two file types: raster and vector. When you create, edit, or manipulate those files, you use graphic- or photo-editing software to accomplish the job. Here's a list of some software that you may want to consider.























Software ProgramFile Types
href="http://www.adobe.com/products/photoshop/photoshop/">Adobe
Photoshop
Raster-based image-editing program used to create PSD layout
files and to work with raster image file types and photography
Adobe
Illustrator
Vector-based image creation and editing used to edit vector
image files, such as AI and EPS files
Corel PaintShop Photo ProRaster image and photography editing program
CorelDRAWVector image creation and editing for AI, EPS, and CDR file
types








dummies

Source:http://www.dummies.com/how-to/content/imageediting-software-for-wordpress-web-design.navId-323197.html

Business Plan Balance Sheet: Fixed Assets

On your business plan’s balance sheet, fixed assets are usually big, expensive, and meant to last a long time, so they’re not very liquid. Fixed assets include




  • Land: If your company owns land — the ground under your office building, for example — you list it separately from your office building on the balance sheet. Unlike other fixed assets, land doesn’t depreciate on your balance sheet because it’s considered an asset that doesn’t wear out over time. For that reason, you leave the same land value on the books year after year.




  • Buildings: As far as your balance sheet is concerned, the value of buildings is equal to the original price you paid for them plus the amounts you’ve spent on improvements over the years.




  • Equipment: Equipment includes anything and everything you acquire for your business that’s meant to last more than a year. Machinery, cars, office equipment, computers, telephones, and furniture all fall into this category. When you enter the value of each asset on your balance sheet, use the actual price you paid for it. If you didn’t pay cash, assign a reasonable value to include on your balance sheet.




  • Accumulated depreciation: Each big-ticket item that you acquire for your business has a useful life span. Depreciation measures the decline in useful value of each fixed asset over time. Don’t worry, you don’t have to come up with the numbers; the IRS provides standard depreciation schedules, depending on the kind of assets you own. Accumulated depreciation sums up the value loss of all your assets over your years of ownership and reduces the total value of your fixed assets accordingly.




On your balance sheet, the value of a fixed asset is based on the original price paid minus any accumulated depreciation according to the IRS’s general depreciation schedule. The resulting number may have very little to do with the price you would receive if you sold the asset or the price you would pay if you replaced it.



dummies

Source:http://www.dummies.com/how-to/content/business-plan-balance-sheet-fixed-assets.html

Import and Export Flash CS5 Files

In Flash Creative Suite 5, you can import files or assets—such as artwork or photo files created in Adobe Photoshop or Illustrator, MP3 sound files, and even video files—that weren’t created in Flash. You can export your Flash projects to many of these same formats for use in other applications.


Import files into Flash CS5


Here are some of the file formats you can import into your Adobe Flash Creative Suite 5 movie:



  • Images: EPS, GIF, JPEG, PNG, TIFF



  • Flash SWF



  • Layered artwork files: AI (Adobe Illustrator) and PSD (Photoshop)



  • Audio files: AIFF, MP3, and WAV



  • Video files: DV, F4V, FLV, MOV, MPEG, QuickTime




You can import these types of files directly to the stage for immediate use or put them in your document’s library for storage until you’re ready to place them on the stage.


Follow these steps to import files to the stage:



  1. Choose File→Import→Import to Stage.



  2. Select from your hard drive the file or files you want to import.


    Imported items are placed on the stage on the selected layer and frame.




Follow these steps to import files directly to the library:



  1. Choose File→Import→Import to Library.



  2. Select the files from your hard drive that you want to import and click the Open button.


    Imported files don’t appear on the stage but are available in the Library panel for later use.




FLA and SWF files


The life of a Flash project involves at least two different types of files: your authoring (FLA or XFL) file, in which all your work is created, and the final product, your compressed movie or SWF file.


FLA and XFL are used only during the authoring process. When you’re ready to distribute your finished movie, publish a SWF file that can be displayed by Flash Player.


These SWF files can be created from either the Publish or Export menu options and are compressed movie files (typically smaller than their FLA and XFL counterparts) that contain all the graphics and information necessary to display your movie.


Flash Player can’t read FLA or XFL files, and SWF files can’t be deconstructed into usable FLA files. Changes to your Flash movie are always made in the original FLA or XFL file and must be exported to a new SWF file again if you want to view them in Flash Player.


To select multiple files for import, hold down the Shift key when prompted to select files from your hard drive. You can bring several files to the stage or library in one step.


Export files from Flash CS5


In contrast to the Import menu, the Export menu is used to generate files from your current document out of Flash, most often to create a compressed SWF file (movie) for final delivery. Additionally, the menu can be used to generate static (such as JPEG or GIF) images from specific frames in your movie.











dummies

Source:http://www.dummies.com/how-to/content/import-and-export-flash-cs5-files.html

Appreciating HTML Frames

Frames add innovative navigation control because they enable you to display multiple HTML pages in one browser window and control the contents of each framed area individually. Designers commonly use frames to create a page with two or more sections and then place links in one section that, when selected, display information in another section of the same browser window.



Web pages that use frames are split into separate sections -- or individual frames. All the frames together make up a frameset. Behind the scenes, each frame of the frameset is a separate HTML file, which makes a page with frames a little complicated to create, even with Dreamweaver. If you choose to create your frame files in a text editor, you have to juggle multiple pages, working on each frame one at a time, and you can see what you're creating only when you preview your work in a browser. The visual editor in Dreamweaver makes creating frames a lot easier because you can view all the HTML files that make up the frameset at the same time and can edit them while they are displayed in the way in which they appear in a browser.



As a navigational feature, frames enable you to keep some information constant, while changing other information on the same page. For example, you can keep a list of links visible in one frame and display the information each link brings up in another frame.



Frames look great to many designers, but they're also very controversial. Although frames give you some great navigational features, they also open up a range of design problems and aren't always the best way to organize your site.



For example, you can create as many frames as you want within a browser window. Unfortunately, some people overuse them and create designs that are so complex and broken up that they're neither aesthetically appealing nor easily navigable. Putting too many frames on one page can also make a site hard to read because the individual windows are too small. This has led many Web surfers to passionately hate frames. Moreover, some sites that rushed to implement frames when they were first introduced have either abandoned them or minimized their use.



A more problematic aspect of frames is that they're not backward-compatible for very old or purely text-based browsers, which means that if a visitor uses an older browser that doesn't support frames, they won't see anything — that's right, they get a blank page — unless you use a special tag called the <NOFRAMES> tag to create an alternative page to supplement your framed page. Fortunately, Dreamweaver automatically inserts a <NOFRAMES> tag in all frameset pages and makes it very easy to add the alternative content for viewers with browsers that don't support frames.



Goin' for guidelines


Here's a list of guidelines to follow when using frames:



  • Don't use frames just for the sake of using frames. If you have a compelling reason to use frames, then create an elegant and easy-to-follow frameset. But don't do it just because Dreamweaver makes it easy to do.

  • Limit the use of frames and keep files small. Remember that each frame you create represents another HTML file. Thus, a frameset with three frames requires a browser to display three Web pages, and that can dramatically increase download time.

  • Turn off frame borders. Newer browsers support the capability to turn off the border that divides frames in a frameset. If the section has to be scrollable, the border is visible no matter what. But if you can turn the borders off, your pages look cleaner. Frame borders are thick and an ugly gray in color, and they can break up a nice design. Use them only when you feel that they're really necessary.

  • Don't use frames when tables are better. Tables are often easier to create than frames and can provide a more elegant solution to your design needs because they're less intrusive to the design

  • Don't place frames within frames. The windows get too darned small to be useful for much of anything, and the screen looks horribly complicated. You can also run into problems when your framed site links to another site that's displayed in your frameset.

  • Put in alternate <NOFRAMES> content. The number of users surfing the Web with browsers that don't support frames becomes smaller every day. Still, it's a good idea to show them something other than a blank page.

Trying out the Split Frame command


When you create a frame page in Dreamweaver, it's important to realize that the file you are starting with is the frameset file — the file that doesn't show up in the browser but merely instructs the browser how to display the rest of the frames and which pages to use as content for each frame. When you edit the content of any of the frames in the frameset, you're not actually editing the frameset file, but the files that populate the framed regions within the frameset. Normally you'd have to edit the files separately, but Dreamweaver makes it a lot easier to design with frames by letting you edit the content of each frame in the context of the frameset as it looks in a browser.



You can create frames in two ways in Dreamweaver. The first way is achieved by splitting a single HTML file into two sections, which then become individual frames. When you do that, Dreamweaver automatically generates an untitled page with the <FRAMESET> tag and then additional untitled pages that are displayed in each of the frames within the frameset. Suddenly you're managing several pages, not just one. This is important to understand, because you have to save and name each of these pages as a separate file, even though Dreamweaver makes it look like you're working on only one page that's broken into sections.



You should always save your HTML files first before inserting anything into them; however, the opposite is true when you are working with frame files in Dreamweaver. Wait until after you've created all the frames in your frameset and then save them; otherwise, it gets a bit too complicated and confusing to track your files.



To create a simple frameset in Dreamweaver, follow these steps:



1. Choose File --> New.


A new page opens.


2. Choose Modify --> Frameset --> Split Frame Left.


The page splits into two sections. You can also choose Split Frame Right, Up, or Down. Split Frame Left or Right divides the page vertically. Split Frame Up or Down divides the page horizontally.


3. Click inside the right frame area to make it active.


4. Choose Modify --> Frameset --> Split Frame Up, Down, Left, or Right to divide the page again.


5. Click on any of the bars dividing the frames to select the bar and drag it until the page is divided the way you want.


6. To edit each section of the frameset, click inside the frame that you want to work on.


You can type, insert images, create tables, and add any other features just as you would to any other page.


7. If you were following along with these steps for practice and don't want to save your frameset at this point, choose File --> Close to close the file. When asked if you want to save the changes, choose No.










dummies

Source:http://www.dummies.com/how-to/content/appreciating-html-frames.html

How to Install a WordPress Plugin

Many plugins are available to mom bloggers who use WordPress. Plugins can add so many features to your blog that it may be hard to figure out which ones to use. Mostly, you won’t know what you need until you need it.


Here are a few WordPress plugins that everyone will find useful:



  • Google Analyticator: This plugin makes it easy to install Google Analytics scripts so that you can track your visitors to know how they find your site and what they read the most.



  • Fast Secure Contact Form or cForms: WordPress doesn’t come with a built-in contact form, so you can choose any of several plugins to add one. The Fast Secure Contact Form plugin is quick and easy. cForms is much more robust and for experienced users, but it’s one of the absolute best plugins available.


    It’s very important to have a contact form on your blog so that your readers and potential advertisers can get in touch with you!



  • Google XML Sitemaps: This plugin creates a sitemap of your blog and automatically sends it to all the major search engines. A sitemap is like a directory of all the posts and pages on your blog, which helps the search engines find your content faster and easier.



  • TinyMCE Advanced: WordPress already has a lot of editing features already built into its text editor. But TinyMCE Advanced gives you some features that make it more like a word processor, such as adding tables and a find/replace function. If you do a lot of writing, these tools make your job ten times easier.



  • WP Super Cache: Because WordPress works by pulling information from a database, the more features and content you add, the slower it may run. This can get frustrating for readers, and if your site is too slow, it may even get demoted by the search engines. WP Super Cache speeds up WordPress blogs considerably by limiting the number of times WordPress needs to pull information from your database.




You can also browse for plugins on the WordPress.org site or from your own WordPress blog at www.YourBlogDomainName.com/wp-admin/plugin-install.php.


When you know what plugin you want to install, here’s how to do it:



  1. From your WordPress Dashboard, choose Plugins→Add New.



  2. Search for the name of the plugin you want to install by typing it into the text field and clicking the Search Plugins button.



  3. Review the plugin for usefulness and compatibility.


    If you want to learn more about the plugins that are available from your search, you can click the Details link to get the plugin description. Some plugins also have additional installation instructions and screenshots of the plugin in action to help you determine whether it does what you want it to do.


    This plugin details page will also contain instructions on how to configure your plugin after you install it. So make a mental note of how you found your plugin in case you need to refer to this information later.



  4. The Install Now link appears in two places:



    • On the plugin detail page, you see the red Install Now button in the top-right corner. When you click the Install Now button, the plugin is automatically installed on your site.



    • On the plugin search results page, you see the Install Now link directly under the plugin name. When you click the Install Now link, a pop-up window appears confirming you want to install this plugin. Click Yes.





  5. Activate the plugin by clicking the Activate Plugin link.


    When the plugin is done installing, the screen changes and the Activate Plugin link appears.



  6. Configure your plugin.


    Every plugin setup is unique, so there is no one way to configure the new plugin. Most of them have instructions or an options page that enable you to make the plugin work the way you want it to. Usually, the options page can be found in the Settings or Plugin menu to the left of your WordPress Dashboard. You can also find this information on the plugin Details page.






dummies

Source:http://www.dummies.com/how-to/content/how-to-install-a-wordpress-plugin.html

Strategic Planning: How are Your Profit Margins?

Even if you’re running a nonprofit or government agency, you’re always looking at improving your profit margins. Your margins tell you how much is left after you’ve paid your direct expenses. In the analogy of an SUV, your profit margins tell you how much gas is left in the tank when you arrive at your destination.


So what’s the secret to making more money? Stop doing things that lose money. Now, before you roll your eyes, don’t overlook the simplicity of this statement.


Here’s a classic example of losing money: A mid-sized, business-to-business software company realized that every dollar of revenue generated from its marketing campaigns cost the business about $1.20. Result: The marketing campaign is costing more than it’s worth ($1.00 – $1.20). Attributing marketing dollars directly to the sales generated can be a rude awakening.


Ready for some ideas on how to improve your margins? As you read through the lists of ideas, keep adding to your list of strengths and weaknesses.


As most organizations seek long-term sustainable operating models, cash creators aren’t focused on the bottom line; rather they’re about moving cash more quickly into and through the organization. Think about how the Great Recession helped people get lean and put some of these practices in place to stay that way.


Here are some ways to identify quick cash creators that yield lasting results in a short time:



  • Do an expense shakedown. Take time at least once a year to scrutinize each and every company expense. Remember that old habits die hard. Evaluate your travel expenses, telecommunication expenses, insurance costs, subscriptions, and so on. If the expense doesn’t contribute to your company’s profitability, eliminate it. You’re just about guaranteed to find areas in which costs can be reduced or cut out entirely.



  • Clip coupons. Okay, not exactly coupons, but find good deals on business services. Everyone from Costco to Microsoft is catering to the small- to mid-sized business market. Make those companies win your business by comparison shopping. This idea is great when you’re talking telephone or cellphone plans, suppliers, or even interest rates on company credit cards.



  • Increase your prices. Not everyone can increase prices. But if you can back up your price increase with better products, service, and quality, you’re likely to keep all your customers. Most people are accustomed to the idea of getting what they pay for.


    Some advise you to increase your prices 10 percent per month until you lose 10 percent of your business. Then stop. You may try it again when you improve your products and services. The concept is interesting, and it may have some value for your business.



  • Be clear about your payment terms. From the get-go, institute a consistent and firm payment process. Most customers appreciate your professional approach if the way you do business is clear.


    You may consider letting your clients make payments over time, but the costs of having customers who pay late is significant, not only on the cash side but also on time spent on collections.



  • Ask for more business. Do your current and past clients know about all the services you offer? Not only should you educate your customers annually about what you offer, but you should also ask for more business. Chances are you’ll get it.






dummies

Source:http://www.dummies.com/how-to/content/strategic-planning-how-are-your-profit-margins.html

How to Stay Off E-Mail Marketing Blacklists


1 of 8 in Series:
The Essentials of Spam and Blacklists as Applied to E-Mail Marketing





Getting added to an e-mail blacklist can really wreck your e-mail marketing strategy. Having your business’s IP address reported as a possible spammer is not the way to build your client mailing list.


To keep your server off of blacklists, you need keep the number of spam complaints you receive to less than 1 in 1,000 e-mails. To help do that, follow these practices:



  • Use confirmed opt-in and opt-out features. In every initial message to a new recipient, add an opt-in feature to make sure that the recipient actually wants to get mail from you. Equally important is including an easy — preferably one-click — way to let recipients unsubscribe from your mailings.


    Don’t abuse the permissions you get. If you solicit e-mail addresses for product updates, don’t send marketing e-mails to that list.



  • Don’t buy e-mail lists. If you’re buying a list of e-mail addresses, you can be fairly confident that the addressees haven’t heard of your company, much less given their consent to receiving e-mails from you. Purchased addresses usually buy you a free ride to a blacklist.


    You may be able to find lists of addresses belonging to people who have expressed interest in getting information on products or services similar to yours, but check the reputation and track record of the list broker before you buy.



  • Keep your technical standards high:



    • Check out how often a potential ISP or web-hosting service was blacklisted in the past year, and know that if you share an IP with a spammer, you may get blacklisted by association.



    • Set standards and IP checks to regulate how articles are e-mailed from your domain.



    • Keep your e-mail server functioning efficiently. A recipient’s infected device can make you responsible for spreading a virus.



    • Make sure that comments to a blog post about one of your articles doesn’t reflect back to your server.



    • Be alert to the range of Internet-connected devices that can be infiltrated by spambots. PCs aren’t the only virus-spreaders — phones, printers, and other connected devices can pass along poisoned messages that may come to haunt you.
















dummies

Source:http://www.dummies.com/how-to/content/how-to-stay-off-email-marketing-blacklists.html

How to Investigate a Business before Buying the Company

Research, observation, and common sense are powerful tools in the business valuation process. Here are some things to consider as you examine and analyze a company you want to buy:




  • Listen to customers. Assuming that you’re targeting a consumer business where you can legally do some creative loitering, spend some time listening to customers talk about what they think of the business.


    If the target business is a restaurant, strike up casual conversations in the waiting area about whether customers have come here before and, if so, why they’ve come back. Don’t be a stalker; just find the right approach. If you find several people on repeat visits who volunteer how great the business is, or what they like and don’t like about it, start recording those comments.




  • Watch the foot traffic. Pretend that you’re a plainclothes detective for a few weeks. At different times during your target company’s business hours, park the car or sit in a coffee shop across the street, and set up a chart that notes the time, date, and segment of time you’re watching. Note when the business gets busy; note when it’s dead. Note what kinds of customers are going in, and try to find out why.


    If the business is a clothing store, are shoppers showing up only when a sale or promotion is going on, or are their visits tied to crucial shipments of merchandise that they can’t wait to see? Professionals get paid a lot of money to do this kind of observational research; you can do it yourself for free.




  • Check out the neighborhood and competing businesses. What’s the character of the street and general area where the business is located? Does the street have a lot of other businesses similar to this one, and where is it on the trendiness and necessity curves?


    Does the neighborhood really need this business? Is the area gentrifying (people with money are moving in) or already gentrified (serving the clientele with the most disposable income that would go into your cash register), or could it be slipping, with dollars going elsewhere?




  • Diagnose the empty-storefront issue. Empty storefronts may not always be bad things. Storefronts may be emptying because the neighborhood has a growing crime problem and residents are fleeing (definitely bad for most businesses, even for non-consumer businesses that want to attract a workforce).


    Alternatively, storefronts may be emptying because a quiet real estate boom is going on in the area, and landlords feel that they can charge rents that more upscale tenants are willing to pay to attract a rising clientele.




  • Study the local power base. Identify the politicians who are lowest to the ground where your target business is. Study what they’re doing — and not doing — for their business constituents. See whether the area has any nonprofit groups that aid local businesses, and find out as quietly as you can what data and intelligence they can provide you in your research.




  • Do a news search. You know those boring columns in the business section with the dopey headshots, talking about how Joe Jones just got a big promotion? These columns can get pretty interesting when you’re thinking about buying a business.


    Search for any news story that features the name of your target company, and look for good news (expansion, new locations, talented new executives) or bad news (locations closing, top management quitting, lawsuits filed by customers or suppliers).





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Source:http://www.dummies.com/how-to/content/how-to-investigate-a-business-before-buying-the-co.html

Tips for Successful Employee Coaching and Mentoring

Coaching and mentoring your employees requires a continuous effort to make it a part of your management practices. Use the tips in the following list to help incorporate coaching and mentoring techniques into your management practices:



  • Delegate: Articulate the results you want to see, set parameters, determine what support the employee needs, and set times to conduct progress reviews along the way.



  • Give performance feedback. : State what you observe, be specific and direct, show sincerity, and communicate face-to-face for both positive and negative performance efforts.



  • Motivate employee performance: Give timely recognition for a job well done and provide favorable assignments that challenge your staff and meet business needs at the same time.



  • Mentor employee growth: Pass on words of wisdom that guide behavior for success and ask employees for ideas to make improvements and solve problems.



  • Focus employee performance: Collaboratively set goals with action plans that define the key steps for achieving the goals.



  • Set meaningful goals: Define the results that need to be achieved and how the goals will be measured.



  • Assess employee performance: Don’t wait for the annual review. Meet one-on-one with each staff person at least once per quarter to review performance; adjust plans accordingly to keep priorities current.



  • Aid career development: Collaboratively set plans that define how employees will prepare themselves — from training to work assignments — to grow in their skills and capabilities.



  • Deliver training: Give step-by-step instruction a that involves your employee doing the skills or procedures in a hands-on way.



  • Reinforce good performance: Catch employees doing quality work and demonstrating positive behaviors with the same effort that you catch them when performance doesn’t go as well as needed.











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Source:http://www.dummies.com/how-to/content/tips-for-successful-employee-coaching-and-mentorin.html

Understanding Leverage Ratios in Bookkeeping

Leverage ratios measure how much debt a firm carries and how easily a firm pays the interest expenses of carrying that debt. Leverage ratios are important for an obvious reason. Typically, a firm mostly financed with debt needs to continue to borrow in order to stay in business. What's more, a firm that carries a lot of debt typically also spends a lot of money on interest expense. The heavy interest expense means that it's especially important for such a firm to have adequate operating income. Operating income is the income available to pay interest and other profits. A firm with a lot of operating income, relative to its interest expense, doesn't really have much of a problem paying the interest, and this is true even if operating income declines or decreases.


Debt ratio


The debt ratio simply shows the firm's debt as a percentage of its capital structure. The term capital structure refers to the total liabilities and owner's equity amount. A firm funds its assets with its capital. Therefore, the total assets always equal the total capital structure.


The formula for calculating the debt ratio is a simple one:


total debt/total assets

No guideline exists for debt ratio. Appropriate debt ratios vary by industry and by the size of the firm in an industry. In general, small firms that use QuickBooks probably want to show lower debt ratios than larger firms.


Debt equity ratio


A debt equity ratio compares a firm's long-term debt with a stockholder's equity or owner's equity. Essentially, the debt equity ratio expresses a firm's long-term debt as a percentage of its owner's equity.


Stockholder's equity is synonymous with owner's equity and, in the case of a sole proprietorship, with a sole proprietor's capital account.


The following is the formula used to calculate a debt equity ratio:


long-term debt/stockholder's equity

There isn't really a guideline for a debt equity ratio. You simply compare your debt equity ratio with the debt equity ratios of other, similar-sized firms in your industry. As is the case with the debt ratio previously described, the less long-term debt you carry, the better.


Times interest earned ratio


The times interest earned ratio indicates how easily a firm pays interest expenses incurred on its debt. To calculate the times interest earned ratio, you need an income statement that shows both operating income and interest expense.


The following formula is used for calculating the times interest earned ratio:


operating income/interest expense

No standard guideline exists for the times interest earned ratio. Obviously, however, the times interest earned ratio should indicate that a firm can easily pay its interest expense. It would be sort of scary, if you think about it, for the operating income to only be a little bit greater than the firm's interest expense. Such a situation would indicate that a modest drop in operating income would make paying interest expense impossible.


Fixed-charges coverage ratio


The fixed-charges coverage ratio resembles the times interest earned ratio. The fixed-charges coverage ratio calculates how easily a firm pays not only its interest expenses but also any principal payments on loans and any other obligations for which a firm is legally obligated to pay.


The fixed-charges coverage ratio uses the following formula:


income available for fixed charges/fixed charges

The other input needed to calculate the fixed-charges coverage ratio is the income available for these fixed charges. You start with the operating income and add to the operating income any fixed charges included in the income statement.


No guideline exists to specify what your fixed-charges coverage ratio should be. In fact, it is particularly difficult to get the information necessary to think about fixed-charge coverage ratios because fixed charges don't clearly appear in the standard set of simple financial statements. One of the things that make financial statements so useful is that the fixed-charges information is usually disclosed in little footnotes that appear at the end of the financial statements.




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Source:http://www.dummies.com/how-to/content/understanding-leverage-ratios-in-bookkeeping.html