Ways To Declutter London

Professional Organisers in London
22 Poplar Walk
SE24 0BU
Phone: 07811 529328



There are many reasons for clutter to begin to become an issue. Perhaps it is due to having a busy lifestyle, work life or social life. Or maybe it is down to taking on too many things at once, leading to the struggle of juggling your priorities. It could even be because of certain circumstances such as moving house and having to get rid of old things and storing your more valuable possessions.

Some cases, although more rare, can be because of hording problems or problems with letting go of things that add no value to you or your home. In those cases where there is emotional attachment, it will be a lot harder to accept the fact that you are living in clutter and even harder to establish a plan to get rid of all the excess, unnecessary clutter.

Whatever the cause, there is always the next question of where to begin. Many people will put off the task of decluttering simply because it seems like a frustrating and arduous activity. Furthermore, depending on the amount of clutter you have to deal with, it may appear overwhelming. Have no fear! Here are some quick tips on decluttering methods you can use to organise your home, office or garage.


Decluttering Tips and Tricks

The Box Method –

This involves having four piles. At the end of declutter londonthe session, each pile will be filled with clutter to be dealt with in different ways. The structure will go as follows:

Box 1 – Put away or keep

Box 2 – Give away or sell

Box 3 – For storage

Box 4 – Throw away

Start off with small sections of your home or workplace. You can start off with one room or even just a small section of a room. The smaller the sections, the easier it will be to handle, which will lessen the frustration and stress you may feel.

Once you have established which area you are going to work on, go through all of your belonging and clutter and begin sorting them into the piles. You can use storage boxes, bin bags or just throw them into a heap, as long as you know which items belong in which category.

The 12 Rule –

This is another method to gradually declutter your space. The 12:12:12 challenge requires you to get rid of 12 items, keep 12 items and give away 12 items. This can be done over the space of a couple hours or an entire day depending on the amount of clutter you have.

The 12 rule also puts into perspective how many items you are keeping for no reason, which may make you even more motivated to declutter your home or office. It also gives you the opportunity to give back to the people you love or those in need as you can give 12 items away to a friend, family member or college that may need it. You could also give the items to a charity shop if you don’t feel like giving them away as gifts.

If you want more ways to declutter london, contact a Professional Declutterer and Organiser in London.

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Why Businesses Need The Help Of Bookkeeping Services

Accountants in Essex
88 North Street,
RM11 1SR
Phone: 01708 471442



Do you really need bookkeeping services?


Most people view book keeping like a grudge purchase. An unnecessary evil that just eats at our profits.

But there are more than a few good reasons to hire a bookkeeper or outsource your bookkeeping. Even when you are a small entrepreneur struggling to set up operations, the bookkeeper is absolutely the one resource you should never scrimp on.

The bookkeeper could literally keep you out of jail! When I put it as simply as that, then the bookkeeper takes on a whole new lustre.

Paperwork is necessary to keep track of operations. For example, how will you know how much tax to pay the taxman? Nobody likes paperwork, more especially entrepreneurs, but bookkeepers do. They are the ones who keep you out of jail.

A second and much under anticipated aspect is: who deals with the lawyers, bankers and procurement departments? These people are professionals who expect a certain level of informed communication. The accountant/bookkeeping services can provide that.

bookkeeping services

Let’s go through how your bookkeeper can and should assist you:

· He should be able to help you by working with your lawyer on matters such as ownership structure, and type of entity you should set up.

· He should design and set up your accounting system so that you are not scrambling at financial year end

· Ensure that your types of tax are correctly classified and right amounts paid at financial year end

· Ensure that all employee related payroll tax forms are posted correctly online

· Assist you on how to separate your personal from business expenses

· Prepare your interim and year end financials and submit to auditors if required

The not so obvious things that the bookkeeper can assist you with is things like informing you about what items are deductible and applicable to you. This can make a big difference to the bottom line of a small business.

If you are not a professional accountant, then it is anticipated that you will make errors in the book keeping if you are trying to manage it yourself. This could affect your decision making regarding the business. To get high quality, accurate accounts, one should outsource the bookkeeping. This will also negate any related party transactions and bias.

As a business person and/or entrepreneur, you should spend your time doing what you are good at, because trying to do accounts that you are not proficient at, is just a waste of your time and will ultimately reflect in your business performance.

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Adjusting To Pension Auto-Enrolment Help

Accountants in Eltham
43 Lovelace Green,
Phone: 020 3488 0529


Royds Auto Enrolment Accountant

There are various ways to put money aside for your twilight years as there are many different types of the pension scheme. Any saving for retirement that is arranged by an employer is called a workplace pension, which can fall into some categories: occupational, works, company or work based, for example. Workplace pensions work by automatically deducting your pay by a small percentage which goes into the pension scheme for you to be paid an income when you retire. Often, an employer and the government add money into the pension plan too. Workplace pensions are designed to provide security later in life during retirement, which is why for the most part; money can’t be taken from the fund until the employee is at least 55.

According to the government, many workers have been missing out on pension benefits because they failed to apply to join their employer’s scheme or they were not offered access to a workplace plan. It is because of this that the government decided to make automatic enrolment compulsory.

Automatic registration requires employers to automatically enroll any eligible jobholders into a workplace pension scheme. This system must meet certain requirements and companies will also have to provide a minimum employer contribution. All arrangements are entirely the company’s responsibility.

The scheme is being phased in, with larger companies having earlier ‘staging dates’ (the date it becomes effective for them) and smaller companies later ones. Staging dates for all businesses are being staggered over six years with more and more employers being included with each month. Eventually, it will extend to employers with just one worker.

The ‘earnings trigger’ or level of earnings to qualify an employee for automatic enrolment is £8,105 or higher a year. Other eligibility conditions include age; the employee must be aged from 22 to state pension age. People who do not earn the required amount to qualify for auto-enrolment can choose to opt into the scheme, but their employer is not obligated to make a contribution.

For all workplace pension plans, the minimum contribution level is 8% of all qualifying earnings, 3% of which the employer must pay as a minimum. The company can pay more, in which case the individual will make up the difference, and they will receive tax relief on all their contributions. This contribution level is being phased in with a gradual increase so as to help employers adjust to the costs.

auto enrolment help

For some companies, preparing for the new plans has meant a lot of work. Those without pension schemes had to create one, and many companies have chosen to keep existing schemes and set up a separate auto-enrolment pension in addition. Usually, staff will be able to move to the main system after a specified amount of time has passed.

For employees, there is the possibility of opting out of the plan; they will be allowed to leave it at any time. To get their contributions back, however, an employee has to leave the system within one month. Otherwise, contributions made from their wages and any made by their employer will stay in their pension pot. It is also noteworthy that employees will be auto-enrolled every three years and every time they change employers.

You can see where you stand with professional auto enrolment help with Royds Accountancy.

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What Is A Lasting Power Of Attorney?

Estate Planning Attorneys
16 Sheppard Drive
Phone: 01245 460383



Lasting Power Of Attorney.’ Sounds daunting doesn’t it. However, it is just a complex phrase for a simple legal right. If an individual is going to become incapable of making their own decisions any more they have a right to nominate a person (or people) to make their decisions for them. These could be decisions organisation of their estate, finances, welfare or care and housing.

Who can be granted a Lasting Power Of Attorney?

Whoever the individual in question nominates and trusts can be granted a Lasting Power Of Attorney (POA) as long as they are happy to take on the responsibility. There are two types of POA a health and welfare POA or a property and financial affairs POA. There are different application forms for both. A Lasting Power Of Attorney can also be cancelled should your circumstances change.

Why would you require a Lasting Power Of Attorney?

A person could require a power of attorney of a couple of reasons. Firstly, they may purely not wish to have the stress of making such decisions anymore or it may be a precautionary measure should they ever be in a position that they could not make their own decisions. Secondly, they may be mentally incapable of doing so.

How do you apply for a Lasting Power Of Attorney?

power of attorneyIn the UK application forms for Lasting Power Of Attorney can be obtained on the government’s website. A POA is intended to be applied for prior to mental decline to put in place measures that the individual is happy with in advance of no longer being in a sound state of mind to specify their desires. The individual requiring the decisions to be made on their behalf may fill out a form applying for a lasting power of attorney, or they may let someone do this on their behalf then consent to the criteria outlined in the agreement. This often occurs in cases of degenerative disorders such as Alzheimer’s and senile dementia. The POA will then come into play once the individual no longer has the mental capacity to make decisions alone. However, the POA can be used in advance of this mental incapacity should the individual provide consent to its use. One may also apply for POA for alternative reasons, such as simply feeling too old to be capable of making stressful decisions any more, or a precautionary measure, amongst other reasons. Anyone over the age of 18 can apply for a POA.

Importantly there is a preventive measure in place to make sure that no one can be forced into signing a Lasting Power of Attorney against their will. This presents itself in the format of a ‘certificate provider.’ The certificate provider is an independent third party who talks privately with the donor to ascertain whether they fully understand the rights they are giving their attorney (s). They will also sign part B of the Lasting Power of Attorney forms to validate them. A POA cannot be used immediately. If there are no problems with your application for a POA it should take up 9 weeks to be registered and validated. The POA must be registered with The Office of Public Guardian before use.

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Why You Need Truck Accident Lawyers


If you have ever been involved in a traffic accident, then you know how complicated, stressful and frustrating dealing with the aftermath can be.


One in eight automotive accident fatalities involves large trucks, trailers or commercial vehicles, and four percent of injuries sustained in motor vehicles involve a large truck in some way. This is why truck accident lawyers are in such great demand.


truck accident lawyersSince 1992, the number of accidents on the roads has increased by ten percent. This is actually a fairly comforting statistic when you consider how much more the roads are used today than they were two decades ago. However, for anyone who drives a commercial truck for work, the likelihood of being involved in an accident – and the resulting court case – is something that is too much to ignore.


If you are concerned that you might one day be involved in an accident, then it is a good idea to have the details of some competent – and suitably motivated and driven – truck accident lawyers on hand at all times. Should the worst happen, these lawyers would be the ones who would be on hand to bail you out, and who would be able to help you in the event of a disaster.


Truck accident attorneys are well versed in the rules of the road, and can flag up issues such as mechanical failure, errors made by the other drivers, road issues, and anything else which shows how you were not at fault for the accident. It is worth considering purchasing a dash mounted camera for this purpose too, so that you can have proof that you were driving properly, and that you are not the person who was at fault, should you ever be involved in a crash.


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Tips for Finding the Right Civil Engineering Company London



Things To Look For When Hiring A Civil Engineering Company London


The primary role of a civil engineer company is to plan, manage and develop construction projects for their clients. These companies offer a variety of services for both private as well as public development projects. The services provided by a construction company usually include planning and designing, consultation, construction management as well as servicing among others.


They are a number of companies in the civil engineering sector but it is important to choose the right civil engineering company London to ensure that the construction project is completed on time and within the budget. Here is a list of some of the factors that you need to consider while choosing the right civil engineering company.


One of the most important things that you need to look at is the accreditation of the company. The company needs to have all the appropriate licenses and permits issued by the relevant authorities to ensure that they are able to complete the work on time and without any issues.


Another important factor that you need to consider while choosing a company is to take a close look at the experience of the company with regards to the kind of project that you are going to develop. For instance, if you are planning to hire a company for constructing a new warehouse for your business, you should look for a company that has experience in developing similar projects in that particular area. Keep in mind that engineering companies specialize in different kinds of works and therefore, you need to hire a company with experience in that particular type of project.


Cost is always a factor when you are choosing a company for your development projects. While every company has civil engineering company londondifferent fees and charges, you should not hire a company solely on the basis of cost. You need to create a balance between the cost of hiring the company and the quality of service offered by the firm. Do not forget that ultimately you are going to get what you pay for. So, take into consideration quality of the work done by the company in addition to the cost.


A civil engineering company London needs appropriate equipment and personnel to complete the projects on time. Therefore, you need to choose a company that has the ability to deliver required personnel and equipment to complete the project on time. The best way to find out whether they have the required personnel and equipment is to talk to their previous clients and get an idea about the past client’s experience in working with the company.


Overall, these are some of the factors that you need to consider while choosing a civil engineering firm for developing your project. Keep in mind that many companies may quote a lower price just to win the contract but more often than not, such companies cut corners on quality of the building material and workmanship. Therefore, you should ask for estimates from multiple companies to ensure that you are getting quality construction work at a reasonable price.

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The Benefits Of Online Bookkeeping


Office Admin and Accountancy Services
Unit A, The Laindon Barn
Dunton Road
SS15 4DB
Phone: 01268 411269




An important part of running a business is keeping accurate financial records. Tracking sales, inventory, payroll, and other financial transactions is essential — not only so you know how your business is doing, but also so you can file your taxes correctly at tax time.


Traditionally, most businesses hired an in-house bookkeeper or purchased software to use on their own. These days, however, more and more people are managing their accounting services online. Here are just a few of the benefits of online bookkeeping:



1. Intuitive and Easy to Use. Most Internet-based bookkeeping programs are designed to be extremely user-friendly. You don’t need to know a lot about accounting in order to use them. Instead, the program automatically puts information where it needs to go when you update it. That means that you don’t have to spend a lot of time learning a complicated software program.



2. Convenient. Keeping your accounting records online means that you can access them whenever you need them. You don’t have to be at the office in order to see how your business is doing financially, or to enter records into your accounts. Instead, as long as you know the secure password, you can log in from anywhere and have instant access to the information that you need.



3. Paperless Record Keeping. Anyone who has owned or worked at a business that keeps paper records knows just how tedious and time-consuming dealing with paperwork can be. Not only does it take a lot of time to file and sort papers, but it also takes a lot of space. Many businesses have filing cabinet after filing cabinet filled with old documents, most of which will never be looked at again until it is time to shred them in a few years. With online accounting services, on the other hand, your records are stored in the cloud. This type of paperless storage is a smart way to keep the information you need without getting overwhelmed by papers.



4. Secure. One thing many business Online Bookkeepingowners balk at when considering taking their accounts online is security. They are worried that their information won’t be safe if it is stored on the Internet. However, nothing could be further from the truth. Companies that deal with online bookkeeping employ some of the highest security measures in the world. Think of it this way: you trust your bank to store your information online. Why would an online accounting firm be any different?


As you can see, online accounting services offer a number of unique benefits to businesses of all sizes. Not only are they easy to use, but they also make it convenient to access your records. Your data is stored securely, well-protected from prying eyes. Keeping your financial records online also eliminates the need for paper storage, which can save both time and space at your place of business. It is easy to see why more and more businesses are turning to online solutions to handle their company’s accounting needs.

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Hiring Advice To Help You Select The Best Accountants Essex


Accountants in Essex
Unit B, The Laindon Barn
Dunton Road
SS15 4DB
Phone: 01268 330162




As a business owner in Essex, you should be aware of the fact that your choice of an accountant can make or break your business. An accountant is privy to a great deal of extremely sensitive information, not to mention having access to your assets. If you hire the wrong accountant, you stand to lose a great deal. Even if the accountant you hire is honest, but not competent you risk a lot. Additionally, it can be very hard to get rid of a bad accountant and the hiring process for a new one can be lengthy and costly. It’s easy to see that your choice of accountants Essex has a tremendous impact on your bottom line. In this article, we will provide some sound advice to help you make a wise choice when selecting just the right accountant to provide for the money management needs of your business. Read on to learn more.



Naturally, when selecting an accountant to entrust with your company’s private information, you will want to find one who has a solid showing of impeccable references. Be sure to require at least three written, verifiable references. Take the time to check them all, and eliminate any candidates whose references leave you even the least bit uncomfortable.



Once you have narrowed the field to people who have good, verifiable references you should check qualifications. Be certain that the candidates you are considering are properly educated by an accredited program. Check to be sure they have all required licensing and certification in place and up to date. Eliminate those who do not.



At this point, you should check employment history. Get in touch with former employers regarding your potential candidates’ job performance, work ethic, honesty and ability to work with others. Again, if anything leaves you feeling uncomfortable about a candidate you should eliminate that person from the running.

accountants essex

Having thoroughly vetted your accounting hopefuls, you are now ready to perform interviews. By sorting your candidates based on the ostensibly factual information presented on their applications and resumes, you will have made dispassionate choices and eliminated the possibility of being dazzled by a winning personality or bamboozled by a flim flam artist.



As you interview your candidates, look for those with whom you feel very comfortable. Communication should be clear and open. Your ideal candidate should be knowledgeable and confident in his or her answers to your inquiries. As with all other stages of the hiring process, you should eliminate any candidates who leave you feeling even the least bit uncomfortable. Your goal is to hire a team member with whom you can build a successful, long-term, working relationship.



While the advice presented here is mostly geared toward hiring an on-staff accountant, it can also be applied to selection of free-lance accountants Essex. Sometimes independent contractors who offer a service take a position of being in charge. It is very important for you to remember that you are the one providing employment; therefore, you are in charge. If an independent contractor does not want to provide you with a resume and references and go through a vetting and interviewing process, it is clear that this person is not the right choice!



When hiring an independent contractor to take care of your accounting needs for your Essex business, you should follow the guidance presented here and ask a few more questions to determine how the contractor runs his or her business. Ask about price structure, find out about hidden fees and determine that the accountant provides prompt and courteous customer service. For example, he or she should return phone calls and answer emails promptly. The accountant should have a solid history of always showing up on time for meetings and appointments and always meeting deadlines.



Hiring an accountant is an important task. Ideally, you want to make the right choice once and not have to go through the process again and again. When you follow the advice presented here, you can be sure of finding just the right accountant to take care of the money management needs of your Essex business.

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The Difference Between Conveyancing Solicitors And Conveyancers


Solicitors in Romford
8, Holgate Court
4-10 Western Rd
Phone: 01708 727269




If you have a company that purchases property regularly, which is subsequently sold to buyers in the your immediate area, you are probably doing hundreds of transactions every year. In order to keep track of all of the paperwork, and the legalities involved, you will need to retain a conveyancing solicitor. These are individuals that understand real estate law, and can easily draft of documents that you will need to do each transaction. However, an option that many people have considered is using a licensed conveyancer instead, thinking that the lower price for their services will actually be the better choice. Let’s take a look at what each of these professionals actually does, and then why you should use conveyancing solicitors instead.


What Does A Conveyancing Solicitor Do?


These are qualified lawyers that are able to act on your behalf when you are doing any type of real estate transaction. They have extensive training, capable of comprehending any and all legal ramifications that may occur as a result of the acquisition of, or the selling of, any type of property. They can also offer you full legal services if you ever need to go to court, which can be very useful with larger transactions. If you stand to lose a substantial amount of money on your next transaction, it’s good to have one of these solicitors on your payroll. However, wouldn’t it just be as useful to have a conveyancer on staff instead of a qualified lawyer that will cost you substantially more? Let’s look at what a conveyancer does, and how their area of speciality might be exactly what you need.


What Does A Conveyancer Do?


These professionals are fully licensed to deal with property transactions, and are well aware of the laws involved. They will have extensive training, but perhaps not as much as a qualified lawyer, nor will they be members of the Law Society. They must be part of the Council for Licensed Conveyancers in order to legally provide their services. In fact, most of the conveyancers actually work for solicitors as they can complete all of the necessary mundane tasks involved with real estate transactions. So is it better to have a solicitor or a conveyancer on your staff if you are doing many real estate transactions every year? The answer is actually very simple, and it depends upon the size of your company when making this very important decision.


Choose A Solicitor Possible


If you are a very large company, one that does transactions every single day, you need to have a qualified conveyancing solicitor on your team. They will know exactly what to do, not only with the property, but will have inside information that you will need from a legal perspective. This is important when doing large transactions that can yield a substantial amount of money. You could actually make more money because they will avoid unnecessary mistakes that a new conveyancer might make straight away. This is not to say that a conveyancer is not a professional, but if they do not have years of experience in this field, nor are they aware of legal problems that may arise, it will help your company become more profitable as you avoid potential lawsuits doing the many transactions that your business will handle throughout the years.
conveyancing solicitors
Now that you know the difference between a conveyancing solicitor, and a licensed conveyancer, you should see that each one plays a specific role. If you are a small company, or an individual, that is doing a real estate transaction, then a conveyancer might be all that you need. Yet to be as safe as possible, if you are doing real estate deals all the time, you need to have in-house conveyancing solicitors. They will make sure that every angle is covered, making sure that you will have no problems at all with your transactions, and if there are problems, can easily represent you in court.


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Why Commercial Waste Removal Is Important


In the recent years, humanity has become increasingly aware that the huge amounts of waste come from different sources and it is not always disposed or re-processed in the proper, environmentally friendly way. In the end, it leads to water and land pollution that harms the environment.


The accumulation of waste, whether commercial or residential is a growing problem every year. This waste needs to be re-processed to protect the environment, and must work towards sustainability. The best method of handling this problem is recycling waste materials and using it again.


Recycling & Commercial Waste Disposal

Recycling is the process of transforming used old materials into raw materials and using them to make new products. Recycling is aimed to reduce use of raw materials that will lead to a reduction in energy consumption as well as water and air pollution.


Industries and businesses create a lot of waste that they need to dispose. Today’s world, based on the law of consumption requires the manufacture of additional new products to meet people’s needs. However, this inevitably leads to the generation of additional waste and this is the reason why proper commercial waste removal is important for environmental conservation.


It is important for commercial entities to ensure proper disposal of the waste they generate or they otherwise risk fines from the local and national authorities as well as destruction of the environment.


Finding A Reliable Commercial Waste Disposal Company

If you are looking for a good commercial waste disposal company to handle your waste, understand that there are ways of ensuring that the company disposes and reprocesses the waste properly.
Some of the best ways of ensuring this are:

– Employing a trusted commercial waste management company


– Checking whether the company has the proper authorization to do the job



Using a properly licensed commercial waste disposal company has some benefits that include:


Commercial Waste Removal

– Reputable commercial waste disposal companies offer reasonable rates for waste disposal


– A work schedule that fits your schedule saving you a lot of hassle


– If you become a regular client, there is possibility of getting discounts


In conclusion, you need to have all the above in mind when hiring a commercial waste disposal company to handle your waste. When you have done your research and have settled on one, you can be sure that your waste will be disposed in the proper manner without destruction to the environment and without fines from the authorities.

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Unoccupied Commercial Building Insurance Details

Finding unoccupied commercial building insurance is difficult especially if the building has remained unoccupied for a period of over 90 days. If you manage to get one, the cover offered may be very limited. Most of the insurance firms will limit their cover to fire, aircraft and earthquake.


When quoting for unoccupied commercial building insurance cover, you may be required to answer a few questions concerning the age of the property, the location, any claims on the property and many more. The nature of the business that the property is to be put to is an important consideration that underwriter will want to know before covering the building.


It is worth mentioning that the unoccupied commercial buildings are susceptible to risks such as theft and damage. Thus, most of the underwriters find such buildings unattractive and may not want to insure. If you manage to get one, it will come with additional terms and conditions on the heating systems and water systems. The insurer may require that the heating and the water be turned on to prevent freezing.

unoccupied commercial building insurance

Unoccupied commercial buildings fall in three categories; there are those that are waiting for sale which may require an insurance cover for a short period of time, those that are vacant and waiting to be rented out and those that are still under construction. The first two categories may require a short term insurance cover that is essentially not attractive to the underwriters because of the small premium ratio compared to the cover offered.


Either way, it is important that you seek for unoccupied commercial building insurance in order to cover your interest in the building. When you request for a quote, it may be necessary that you disclose to the best of your knowledge some information that the underwriter may request. It is recommended that you give correct answers to the questions including telling them the exact reason why the building is unoccupied to avoid the cancellation of the policy or its rejection. In some cases, if the peril occurs, you may be denied full payment if it is found out that you did not answer the questions correctly and honestly. Thus, it is advisable that you consult a surveyor to obtain an up to date reinstatement value. Ensure that you avoid instances of under-insuring the unoccupied commercial building since it can result in the reduction of the claim you can make when the peril occurs.

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Where Can I Sell My Van Online?


Do you have a vehicle that you are looking to sale? If so, you may be asking yourself, “Where can I sell my van online?” Luckily, you have many options to list a car, truck, SUV, van or other vehicle where many potential buyers will see what you have for sale, which means you can quickly get money for your van. Before you begin, though, there are a few things that you should do.


First of all, make sure your van is in good condition. Look over it, possibly bring it to a mechanic, or look at the condition of your van yourself. This is best before finding the best place to sell my van online. Knowing the exact condition of the vehicle will allow you to list it as accurately as possible and answer questions as they arise.


Next, thoroughly clean the inside of your van. Cleaning out the van will allow you to find any items you may have forgot about that are in the vehicle. It will also allow you to take the best pictures possible as you list your van online. Make sure to clean all floors, the ceiling, the seats, the dash, and every inch of the van’s interior.


sell my van onlineAfter that, you can do some research on the van. It is best to find out if there are any recalls. If so, you should be able to get them taken care of. Also, you can find out how much the van is worth. You will need to know how many miles are on the vehicle, it’s condition, the features, and everything that the vehicle contains.


Now you are ready to list your van. It is important to share every single detail involved. You do not want a buyer upset because you failed to share something that was not important to you, but is quite important to them. You can also save some time answering questions by sharing any and all information about the van upfront in your listing instead of answering endless questions.


Selling your van online is a great way to get it viewed by many potential buyers. Not only that, but you can place all helpful information on the listing and sell it for more than other options. Use what you learned here and you will be glad to sell your van on the internet for more than you thought possible.

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Recent Business News

The US Treasury now has a plan to recapitalize Fannie Mae and Freddie Mac. The US government is taking over both entities, and plans to add $15 billion each. The entities also had $20 billion of negative equity, so the cost to US taxpayers is $50 billion. New executives will be named to run the entities. This will sooth investors who have bought 1.4 trillion of Fannie and Freddie mortgaged backed paper. Many central banks and foreign institutional investors own that paper, so this news is calming to the market. Every investor believed the US would back that paper. It is good that Paulson arranged the bailout of these entities: they guarantee $6 trillion worth of mortgages in the US. Many Americans would not have homes without these entities guarantees of mortgage loans. So this was important to give confidence to investors in US securities, and calming to large US brokers and investors. I hope these entities will be better managed going forward.


The jobless rate increased to 6.1% in August from 5.7% in July and 5% at the end of 2007. Total job losses for 2008 have been 605,000 jobs. In prior downturns, the average monthly job losses have averaged 150,000 per month. So, we can be thankful that we are averaging about 75,000 per month, or less than half of normal job losses. That means that outside of housing, real estate, construction, retail, and some financial firms, we are not doing too badly. 6.1% was the peak jobless rate in September 2003, just before the market started going up again. Our jobless rate could be much worse.business news


US GDP grew 3.3% in Q2, after .9% in Q1. Our exports are driving the GDP growth. Without the drag from financials and real estate, our GDP would have grown 4%. In the first six months of this year, US export growth was up 23%, more than China’s at 17%. We can be very proud of our exports. The downside to our growth is that as the world economy slows, and it is slowing everywhere, including China, that our export growth will slow due to our trading partners growing slower.


As for companies, Bank of America announced it was settling with state and federal regulators over its sale of auction rate securities. It will be writing down assets in the 3rd quarter, probably at least a billion or so, due to these securities. Merrill Lynch was downgraded by Goldman Sachs, who believes Merrill will have to write off more than its $5 billion projection in the 3rd quarter. Google released its new browser Chrome, a competitive move against Microsoft. Retail sales were strong at Wal-mart in August, with same store sales growing 3%, while same store sales fell 2.1% at Target. Lehman Brothers is in negotiations with the South Korea sovereign wealth fund. They are disagreeing about the valuation of Lehman-but Lehman needs the money, and I think a deal will get done.


The Markets
Economic worries pounded stocks. Last Thursday, the major indexes (S & P 500, Nasdaq Composite, and NYSE Composite, DJIA were all down 3%. The markets were recognizing most economies are growing very slowly, and weak retail sales were reported. The big four European economies have been showing weakness for some time. Germany reported that industrial production fell 1.8% in August, its fourth straight month of lower production.


Energy and Materials led the sell-off on Tuesday, falling 5% and 3% respectively. These sectors were the market leaders until June of this year. Now Medical and Consumer Staples (food, pharmacies, tobacco) are leading the market, but losing momentum. Financials and Consumer Discretionary (discretionary retail, homebuilding, high end retail) are starting to take over sector leadership. Technology was very weak last week. So what does this mean? It means that money is money out of energy, materials, medical, consumer staples, & technology, and moving into financials and consumer discretionary stocks. Sector leadership is very important, as the next bull market will be led by Financials, Consumer Discretionary, and small cap stocks. So this is a good start. We have more things to work through before we start a new bull market, but we are making progress.


YTD, the S & P is down 15.4%. Only the Dow Transports are up of the major US indexes, up 6.96%. So far in 2008, the NYSE Composite is down 17.5%, the NASDAQ Composite is down 14.9%.


In the past three months, medical and healthcare is up 5.2%, and an Investors Business Daily’s (IBDs) consumer
index is up 2.96%, and IBD?s bank index is up 4.01%.

The S & P 500 is down 8,7% in the past three months, the DJIA is down 8.1%. The Russell 2000, a small caps index, is down 2.91% in the past three months. So, on a relative performance basis, small caps are doing best.


Most international indexes are down. China?s two indexes are down 56.7% and 61.9% respectively, Hong Kong is down 26%, Brazil is down 16.2%. Morgan Stanley?s developed markets international index is down 17%, and their Emerging markets index is down 26.8%. In the past three months, international markets are falling faster than the US. Most people would benefit by decreasing their international allocations, as most markets have further to fall. (Economist)

Interesting facts:
Firms are rethinking US treasuryshipping costs and reducing those costs by redirecting freight from air to ship, and from truck to rail. Also, firms doing Just in Time inventory delivery are finding small shipments are expensive due to transportation costs, so they are now optimizing their inventories based on delivery (transportation costs). Some companies that have outsourced or off-shored manufacturing are rethinking their decisions. Dell is saying they see the global economy slowing down, as orders are slowing.


Conclusion: September and October will likely be volatile months, as was July. August received the benefit of lower commodity costs, which reduced margin pressures, and we saw very low volatility, with a reading of about 20 on the VIX. The VIX closed today at 22.64. I expect that the VIX will hit 30 in either September or October, and we will hit new lows in the S & P, in the 1200 range or below. I think it is time to reduce international exposure, and overall decrease equity allocations across the board. Once we have penetrated old lows, we should be on firm ground to start a new bull market. We will have to see what September and October brings.


Best regards,
Brent Johnson, CFA, CFP
Wealth Design Group
Mobile 713-598-3202
Email: brent_johnson@glic.com

* Registered Representative and Financial Advisor of Park Avenue Securities LLC PAS.
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Tips For Effective Stress Relief

Millions of people around the world suffer from the silent killer, stress. It’s the root of so many health problems that people are paying more attention to it than ever before. Luckily you don’t really need medication or supplements to tackle stress. There are several, natural things you can do to find relief and here they are.

Start by doing some routine exercise. It doesn’t have to be anything major, but it should make you work up a sweat. The idea is to get your muscles as tense as possible, but in a healthy way. This will dramatically lower your stress levels in addition to helping you cope.

It’s also a good idea to rid your mind of stress. You have many choices here and many of them come with several benefits. Meditation is probably the most popular form of stress relief and with good reason. People who practice it are usually very relaxed throughout the day.

stress reliefAnother option is yoga. It’s a type of exercise that actually focuses on the mind as well. This means you will physically and mentally get rid of stress.

But if you don’t have the time to meditate or work out an exercise regime, then simply do something that you love. Whether it’s drawing or playing with the kids outside, it has to make you smile and feel good.

Remember that stress is usually stronger when you are physically drained and depressed. This is a natural result of an imbalance. Build up your energy with exercise, find some mental peace with yoga and take some time to just enjoy yourself.

These are the best ways you can get stress relief naturally. Don’t fall victim to the silent killer when all you have to do is to make a little change in routine and visit Robert Ginsburg’s The New Knowledge.

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The Benefits Of Business Mentoring That Can Make You Successful


Managing a business and leading it to success isn’t easy. It requires skills and experience, so beginners don’t stand a chance. They can learn by reading books about business management or by trial and error, but may may run out of money before managing to make their business profitable. This is why you shouldn’t ignore the benefits of business mentoring, as this kind of assistance can provide you all the tools you need to succeed without having to make big mistakes that may cost you the entire business, if not more.


This is Where a Business Mentor Can Come in Handy

Having a business mentor can provide you support in making important decisions. A good mentor can assist you in developing your own set of business skills which are going to serve you for the rest of your life. Additionally, he or she may be able to put you in touch with important business contacts. As mentors love to share their knowledge and experience with others, they are open to teaching their students and followers everything they know. They are proud of each and every success of their disciples, no matter how small. Besides, they can analyze your business decisions and provide you useful feedback.

Big businessmen of all times had mentors when they first started their entrepreneurial journey. They developed solid and lucrative business mentoring relationships. Some of them decided to pass on this knowledge and became mentors at their turn, teaching young business owners the basic principles of managing and growing a company in a healthy and profitable way.

If you seek for performance, you need guidance and coaching, no matter which field or activity or industry you are in. Top sportsmen need coaches, top business owners and managers need strong and savvy mentors. This is the fastest way to understand all nuts and bolts of business development, so there’s no wonder it has become a real trend over the past few decades.The benefits of business mentoring

Mentors in Business

You can have a real life mentor to guide you and give you real time feedback on your actions or decisions. However, you can also choose a spiritual mentor and follow his business principles. It’s possible that your virtual mentor is not longer alive, yet you’d try to figure out what he’d think about your most important business decisions.

This is only a glimpse into the benefits of business mentoring. If you want to know more about the multiple ways a mentor can help you, you can get in touch with a few of them and ask them to tell you more about their vision and about the way they see an eventual cooperation between you. Always try to determine whether there’s a certain degree of compatibility between you and the potential mentor. This is extremely important and it can be the key for the entire process to work. You may need to listen to some harsh feedback, so you have to be able to see it rather as constructive criticism and not take it personally. This is hard if you aren’t on the same wavelength with the other person.

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