Cash Advances – Are They More Seamless Than Ever?

We are all fallible and subject to imperfections that we usually have little control of altogether! One minute we think we’re doing alright and the next, we are strapped for cash like never before. Sure you’ve been there, right?

What is coming in in terms of money is simply not enough to suffice when all the expenditures ‘come a knocking’! Cash advances are sometimes referred to as a short term ‘safety net’ whereby utilizing your next payday the leverage or basis for the transaction.

It can allow you to catch your breath long enough to ‘put out any fires’ that tend to smolder in the distance. This concept is far from new and until just recently, has been fully perfected in the online financial environments. The internet lenders are more seamless than ever and much less ‘choppy’ than your local pawnshop or cash advance store down the road.

You major benefits are savings! What do you save? Time is one of the primary goals people look to achieve in terms of savings. This is done with many 1 hour advance lenders who have practically the quickest turn around times lending cash on earth!

In addition, you don’t have to spend any money on gas getting there or risking you physical health in route. This can be huge if you don’t live near a payday loan store anywhere. Cash advanced in an online capacity shields your privacy more readily than any physical lender could do for you; because at that point, your identity and what your there for, is exposed.

Turn around times are fabulous and only getting better as well as overall costs associated. Therefore, it is an excellent time now(if your inclined) to obtain a fast cash advance via a highly reputable lender on the web!

Want a Sweet Deal? Favorite Websites For Fashion Bargains

A lot of people ask me where I get the clothes I’m wearing and they’re always surprised when I say where I got them and how much the item cost. Typical reactions include disbelief and jealousy, especially when I’ve spent less than $20 on a pair of shoes identical to an $80 pair someone else owns.

when I say where I got them and how much the item cost. Typical reactions include disbelief and jealousy, especially when I’ve spent less than $20 on a pair of shoes identical to an $80 pair someone else owns.

How do you find your own sweet deals and which online shopping destinations will give you the most bang for your buck?

Here are a few of my favorite sites:

Forever 21 has incredible selection and style and the prices are outrageous, especially if you do a bit of digging. I’ve unearthed fabulous dresses for less than $20 and great costume jewelry pieces for around $5. The shipping from the site is painless and quick and they have easy return policies should something not fit.

Here are my tips for shopping online at Forever 21:

Visit the store before you shop the website so you know what fits you and what you’re looking for. Often, the actual clothing looks different in person than it does on their website, especially in the dress length area. Some “dresses” Forever 21 sells are more tunic-lengthed, meaning you’d have to wear them as shirts or with leggings in order to make them street-appropriate.

Don’t expect pristine quality. Forever 21 keeps their prices low by mass-producing huge quantities of clothing that aren’t meticulously made. Don’t expect your clothing to hold up for years-or sometimes weeks-on end.

Beware of dresses or shirts you need to zip. Forever 21 has fairly cheap zippers that often break.

If in doubt, go up a size. Their clothing runs tiny-truly tiny. If you have a wide rib-cage, like I do, you may need to go up two sizes if something is really fitted around that area.

Urban Outfitters is a true fashionista’s paradise. Chock full of interesting bohemian pieces, you can find some great clothing for less than $50. Often Urban also carries more expensive lines (upwards of $200), so make sure you don’t fall in love with something before checking the price.

Some things to buy from Urban:

Accessories are always a great bet. They have tons of belts, handbags, scarves, etc. Their shoe selection is also enviable. Check out their flats and sandals, especially now. They have lots of cute new things.

When cold weather is once again upon us, Urban carries a wide-range of outerwear which is all pretty affordable and cute, without being cutesy.

Urban always carries Converse All-Star sneakers in hard-to-find colors and patterns. Check the men’s shoe section for more.

Cutesygirl.com has shoes for unbelievable prices. Truly unbelievable. I tell people I got boots or heels for $12 and they don’t believe me until I show them the webpage.

The thing about Cutesygirl.com is that they mix some really awful, ugly shoes in with adorable and stylish ones. You’re going to have to be willing to put in some search time.

The quality is fairly good, about what you’d expect from Target or Payless shoes. Not great, but they’ll do. Some of the brands (like Steve Madden) that Cutesygirl.com has are obviously better quality than others. Just be choosy and you’ll be okay.

Watch for these styles from Cutesygirl.com:

Flats or pumps are always a good pick. Search by “Price- Low to High” to find the best deals. If you see something you like and they have your size, snatch it up quick. The cheaper shoes go fast, and they often run out of the most popular sizes quickly, leaving only 6′s to be had.

There are some great boot offerings from Cutesygirl.com, but once again, search carefully. Avoid stiletto, pointy-toed boots at all cost. You can get those almost anywhere now, but they really aren’t tremendously popular anyway. Don’t fall into the trap of buying something just because it’s cheap: there are lots of inexpensive shoes on Cutesygirl, but don’t sacrifice style just because something is $10.

The Benefits of Advertising – Business Internet Marketing

Marketing online has become a very profitable way of marketing products and services of the company. Online advertising is one method of advertising that uses the Internet to deliver the marketing message that can attract customers. World Wide Web is the main medium that can be used as part of online advertising to attract customers and spread the name of the company. There are also several examples of online advertising such as email marketing, banner ads or contextual ads on various search engines.

The benefits of advertising business internet marketing are:

1. Ad beneficial for sellers and buyers. This is mutually beneficial. Sellers use advertising to promote products on the internet by providing an explanation of the details of products both in price, usability, and benefits of these products. Buyers who come to the site, they know about the various products from these ads and can choose according to their wishes.
2. Before the Internet, advertising is limited to newspapers, television and so on. Along with the development of the Internet, we can use a variety of ways to advertise our businesses either through email or posting through various websites. Through advertising on the internet allows you to expand the business globally, not limited to time and place.
3. Internet is becoming increasingly popular in line with the number of people who use these systems and tools. Almost all people use online facilities to perform the work as they use email to send and receive the official letter to the company or using social media such as twitter, Facebook, and others. By using advertising on the internet the more people will see and some of them will make a purchase.
4. Advertise your business with the internet; you will be able to reach very specific target audience through this online facility. This is often referred to as SEO Optimize system where you use specific keywords for specific markets. There is also the term PPC or pay per click where you need to pay for keywords that you are advertising on the internet.
5. Online ads can reach every person in the whole world in a small time period. Some tools or software is provided either free or paid; where you can choose which best suit your business. On average a good website can be optimized in a few months and with time running it will be increasing visitors and buyers so that we get a return on investment.
6. Cheap online advertising as a source of advertising would cost so much while placing an ad in the newspaper or television will be more expensive than online advertising. You can also get a clear picture of how much money he would spend and how much profit from your investment.

If you have not done in the advertising business internet marketing, it is good you start to learn the details and start running. This not only shortens your time in business, but you can increase your profits away from what you get. Of course, learning from the right sources and correct.

The Advantages To Becoming A Travel Nurse

To all the nurses out there who love nursing and traveling: did you know that you can combine both of your loves in a career as a traveling nurse? The field of travel nursing has several benefits over other areas of nursing. Let’s look at some of the outstanding benefits you’ll enjoy in a career as a traveling nurse.

One of these benefits includes travel around the country working at jobs that can last anywhere from just a few weeks to as long as a year. Although many would not necessarily consider it a benefit because it is a part of the job, to many others it is a major benefit. A job as a traveling nurse allows you to work in many new areas. Often times these are areas that you might not normally consider for a vacation, but they are often in some of the most beautiful parts of the country. You can see many places across the United States as you work and you’ll have plenty of time to take in all the sites.

Most travel nurse agencies offer a wide variety of benefits to nurses. Traveling nurses are some of the best-paid nurses in the country. Usually, the pay ranges from $21 to $48 an hour. This will vary based on your level of experience in your field as well as the location of the assignment. Some areas of the country will pay much better than others. Some agencies offer a number of bonuses, including sign on and completion bonuses. Some even offer bonuses when you renew your contract for at least 13 weeks. Loyalty bonuses sometimes offered include monetary rewards, upgrades in housing and paid vacations. Most agencies will also provide referral bonuses for any nurse completing a full assignment that you have referred.

Another major benefit often included when you sign on to travel with an agency is wonderful health benefits. Most agencies furnish fully paid medical insurance for you with the option to add your family at a reasonable expense. Also, often included with your benefits package, are vision and dental insurance, life insurance, long- and short-term disability and accident coverage. Exact benefits will vary from agency to agency, so it is important to investigate what is offered by each company that you speak with.

Many companies will furnish retirement plans, such as a 401K plan usually available after just one month of service. Roadside assistance packages, such as AAA, are frequently provided. Continuing education is often provided at no cost to you and some agencies will reimburse continuing education.

Travel nursing is not the perfect opportunity for everyone, so you must consider the pros and cons carefully. It is also important to investigate any agency that you are considering signing up with. Ask the agency you are considering to speak with some of the traveling nurses who are already a part of their company. A thorough search of the internet to see what others say about the agency can also turn up some interesting information.

There is such a high demand for nurses who are able, and willing, to travel for their jobs today. The benefits, rewards and bonuses available to those who decide to become a traveling nurse seem endless. Travel nursing could be just the shot in the arm your career needs if you are becoming tired of the same thing day after day, year after year. It could just be the change you are looking for.

Vacation Rentals and Holiday Home Rentals – "Tips For Renting"

So you’re planning the holidays, you fancy something in the sun, but where to go? Who is coming? How many?
Will we rent a luxury condo or house instead of staying in a hotel? Well you can make big savings by taking a Villa. Plus, you’ll have more space and privacy to relax and enjoy your home away from home. Renting a vacation home is an especially smart choice if you’re traveling with a group of friend or with kids.

Here are some tips to help you get the biggest bang for your buck.

1. Once you choose a destination.
If you’re looking for sensational savings your best bet is to choose a destination where there are a lot of holiday rentals on the market, keeping prices competitive. You can find some of the best bargains on vacation home rentals online if you know what to ask about and how to protect yourself as a renter. Don’t be shy contact the owner and ask for a deal.

2. Comparison sites- way to go!
Now it’s easier than ever to comparison shop when you’re looking to save on a vacation home rental. You can find some of the best rental home listings the net has to offer on sites like holiday121 and other consolidator sites like these. These are referral sites not booking site and you can check out many homes at the same time to get the best prices and most suitable dates and keep a record of sites visited.

3. Don’t send money.
When renting a vacation home, never send anyone money it’s a bad idea. Pay by credit card or PayPal where you have some come back.
Ask for references, and check out their Web site and their track record. Read their reviews! Read the fine print. Is there a cancellation policy? What if you have to leave early? Does it stipulate when you will get your breakage deposit back? Spend the time up front checking things out so you won’t have any hassles later.

4. Know exactly what’s included.
When you book a rental home for your holidays it’s a short term rental and everything should be included, if there are extras like pool heat, these will be stipulated on the invoice.
Most rental homes will say “everything’s included,” but you want to double-check to be sure that there are no hidden surcharges there should not be any.
If utilities, Internet and cable are included, does this mean the property has Wi-Fi and high-speed Internet? Is it basic cable or premium? If electricity is paid is there a cap? Many properties will say they include utilities, electricity and gas and then the fine print says it’s included, up to the first $200.
Recommendation; don’t touch a short term rental that is not all inclusive.

5. Who is the local management company?
Ask who has the local management of the property these are a very important part of the service and backup. Your rental contract should include who to call if your dishwasher breaks or there’s some other problem with the property. It should also state a time frame for fixing any major problems. You don’t want to rent a home and have the hot water heater conk out and end up with cold showers for two week. The information should also be posted in a contact book inside the property. Make sure you have a phone number and email address of the contact and if possible get a second person as a backup.

6. Is the home family friendly?
If you’re traveling with kids, make sure the property you rental is family friendly. Check the bed configurations. If you have three kids and the guest room only has a king-sized bed you could be in trouble. Does the pool have an alarm? (Toddler safety)
Also make sure you see lots pictures of the home. Do you really want to rent a place with a white couch and fancy décor if your 3-year-old still thinks it is fun to color on everything in sight? Make sure the home you’re renting fits your family’s needs so you’re all comfortable. What about the location? Where is the house what are the local amenities? Is it close to the attractions?

7. Can you bring a pet?
Some vacation rentals accept pets, but they may have a size limit. Some folks would not like to rent a property for their family that had the possibility of a pet staying in with previous guests in the home, unhygienic, so if that may be a problem eliminate pet friendly from your search.

8. Is a refund available if you leave early?
If you think you may want or need to leave early, check your contract to see if you’re eligible for a partial refund. Most vacation rentals are for a specific time period and don’t offer refunds because that leaves the homeowner in a lurch with no time to rent to someone else. Know going in what the rules are so there are no unpleasant surprises.

9. Pick a house that most suits your needs.
Keep in mind when you’re renting a vacation home you’re renting a property that’s individually owned. This isn’t a hotel where if you don’t like what you have you can get something else. Once you book and pay your deposit for a specific property, that’s the property you’re getting, so make sure it’s exactly what you want. Ask if reviews from other renters are available; also remember you get what you pay for so contact the owner. While scoring a good deal is the goal, if it’s too cheap there’s probably a reason check it out. Sometimes the cheapest price is not the best value.

10. Book early.
Avoid disappointment; there are certain times of the year when the villa rentals are on fire, so book early. Also you might look at the availability on the owners web site and pick a slightly out of season time, which brings me back to point one, don’t be shy contact the owner and ask for a deal. A last point to help is a lot of vacation rental owners have links to car rental and cheap flights sites or attraction ticket sites. Try and do a package deal for all three or four services. Good luck!!

Online Shopping for Clothes: Tips and Facts

Nowadays online shopping for fashionable clothes has become very popular all over the world. It seems that online shopping for apparel is much more convenient. Consumers have this great opportunity to browse an international clothing market at the simple click of a button.

Undoubtedly, online stores for clothes have become the new hit. Today you can buy everything from an e-store – from the socks and the underwear, through women and men tops to the sportswear and the coats, including fashion accessories such as hats, bags, you name it. You can shop while drinking your coffee at home, during your break at the office, at any time, at any place. You had a busy day at work and it’s already late in the day, and you have a party approaching – the perfect solution is to lounge on your couch and start browsing for online shop offering clothes that match your style. Also, many e-shops make big season sales and discounts for holidays.

Yet with all the advantages of the online shopping for clothes, there are some flaws. You are not able to try out your clothes to see if they fit you, you can’t feel the fabric either. I am offering you some easy-to-follow tips for a successful online shopping inspired by the many online shopping woes of customers around the world.

  1. Look at the return policy
  2. Before you buy your clothes online, read the return policy. Loyal clothing e-shops offer returns. Mistakes happen and it is always good idea to have a backup plan. Make sure that if it turns out that you need a different size, or you have changed your opinion and you want to buy something else, you can return your purchase to change it.

  3. Chart sizes
  4. Take into consideration that different countries have different sizes. Many customers underestimate this fact. When you are choosing your size, make sure you choose the right one. Most online shops for clothes offer chart size legend where you can see in detail what measures stand for each size number.

  5. Fabric content
  6. Since you cannot feel the materials of the clothes, read the fabric content. All good online clothing shops note the fabric content of each item in detail. Do not rely on an image to buy your clothing online. You are more likely to be unfortunate surprised with your choice.

  7. Research your online clothing store before buying from it
  8. There are clothing e-retailers that are quite disloyal. Often you pay for something that turns out to be different from what you have expected. Sometimes purchases take a lot longer time to arrive etc. You can find a lot of fashion forums, blogs about apparel and social networks where you can search for a loyal clothing e-store like SpiralFashion.com that offers trendy apparel.

Online shopping for clothes saves time and money, but do it the right way. Shop reasonably.

Use of Social Media in Small Business Internet Marketing

Social media participation is helpful in small business internet marketing when you apply the technique with a Uncategorized flavor. You should fix the goal before you start the activity by applying various tactics. You must have a clear idea about the nature of social media that you are going to employ in the tactic.

a) Estimation of the target market. You should go through various reports and facts to know competitors’ activities. It provides the inclination of customers in your trade so that you are able to identify the correct section of visitors. Find out blogs that are relevant to your trade and the relative influence that they enjoy on customers.

Guest blogging is a wonderful activity through which you can involve customers in direct conversation on the related niche. Learn about the influence of social media through reports and find success stories of many online businesses. For example, start conversing with clients on subjects that are truly contemporary and also relates to your topic. You will be able to find all the data in different social media sites and there are thousands of them, but you must pick up the right ones for the campaign. When you start putting helpful materials in blogs, you will begin receiving responses. If you contribute efficient content, you start getting fresh traffic to the targeted website.

b) Estimation of the competitor activities is a vital point to steer your way to fruitful results. Find out about what your competitors are involved in through checking their sites and various social media sites. Spend a reasonable time to understand the background and collect valid information about the trade from time to time. Maintain a gentle patience to recognize the competition in the particular segment.

c) Self-Estimation. You should check the responses of readers that respond in blogs. Valid comments on posts help create a relationship with the reader. Blog commenting is a great way to achieve volume of traffic to your website. If you admire a blog, do not hesitate to praise the blogger for it. It creates bondage and you are also recognized in return.

d) Communication is the main food of the technique for social medial participation. When you are communicating with customers, you should talk about their interest to draw attention from them. You are able to build business relationship with customers. Guest blogging and blog commenting help gain admiration from customers when practiced in a regular manner. Talk in the general term and not on the particular product. Try to cover the entire area of the product to cover the overall space. Use the platform of Twitter for creating a positive reflection of the company, but do not overdo it. Create video and use Utube for the marketing purpose through strong, but a short content. Expand the social media coverage as you can without any prejudice, but within the relevancy norm.

Maintain the quality of the content in blogs or guest posts so that the impression on the customer is of a highly intelligent individual behind the website. These are some practices for positive social media participation to increase the traffic to your site. Ensure that the website is customer-friendly and is helpful in spreading the news to thousands of people to look for the identical product or information on the topic. There are many more ways to advertise the website and procure business using social media. Begin with the simple ones and find the difference in your traffic volume and in the small business internet marketing experience.

Satellite TV Programming For Children

If you have children, satellite TV is an excellent way to keep them entertained for hours on end with educational programming. There are hundreds of shows on many different channels that are not only enjoyable for your kids, but for adults as well. Children, especially young children, are like sponges and soak up every word that they hear in the world around them. Because of this, parents need to be really careful to ensure that the programming their child is exposed to is age appropriate.

Satellite TV has various settings that can be pre-set to ensure that your child isn’t exposed to shows that would not be suitable for them to watch. Parents also have the option to block channels, in addition to certain shows. Of the programming that is good for children, some of the best channels include Nickelodeon and Nickelodeon Jr., the Discovery Channel and the National Geographic Channel. Nickelodeon Jr. has programming exclusively aimed for children and the type of shows very greatly to keep kids entertained. One of the most popular shows on Nick Jr is Dora the Explorer. In Dora the Explorer, Dora Marquez goes on a trip every episode and asks the viewers to come along with her and help her find something or somebody. She also teaches kids short phrases in Spanish every episode. Dora’s best friend is a monkey named Boots, after his red boots that he wears all the time. Dora is a very positive little girl and never gets in fights or gets angry, even when she encounters a villain in one of her adventures. Dora the Explorer is an animated series and has only become more popular since its original pilot aired in 1999. One of the best shows for children on satellite TV these days.

Another show that’s popular on Nick Jr. is the Backyardigans. The Backyardigans is another animated series, like Dora the Explorer, which follows a group of pre-school friends named Uniqua, Pablo, Tyrone, Tasha and Austin as they go on adventures in their backyard. They have great imaginations and transform their backyard into all sorts of things and places. For example, one episode they could be climbing a mountain and singing along with chirping birds and the next swimming in a tropical ocean playing with the dolphins. The Backyardigans is deigned and written for children a little bit younger than Dora the Explorer and is probably best suited for children ages two to five. Kids really enjoy the characters and are encouraged to play and sing along with them during the episodes. The producers and creators of the show incorporate many different types of music into the show, such as big band; reggae and hip hop in order to expose children to a variety of musical forms. Obviously all content and lyrics are age appropriate and engaging with the young audience. Make sure to check listings to find out when thee shows are on your satellite TV programming; and remember these aren’t the only great shows that kids will love.

Do You Fear a Bathroom Remodel?

So You Want to Remodel Your Bathroom

An increasing number of people find that they can remodel their bathrooms to create the perfect place in which they can relax, refresh, rejuvenate and/or have a romantic time. A bathroom redo can be an inexpensive and fun way to spruce up your entire house. So, what you need are some tips for remodeling your bathroom.

When you decide to begin a bathroom remodeling project, it is quickest to organize your goals before shopping for materials. Choose what items you want to replace, add, or take away from the bath area. Consider refinishing existing items such as bathtub, shower, sinks and toilet, or renewing the tiles or tub and shower enclosure to give a new look to your bathroom even with just a little investment. The bathroom is one of the most used areas of the house, so you want to be sure that you have it remodeled in such a way that it will last for a long time. Remodeling is extremely exciting because it means you are getting to create the ambiance you have always wanted in one of your favorite places: the bathroom.

Why Remodel If You Can Decorate?

Perhaps you would like to redo the bathroom, but at the same time you would like to keep things uncomplicated. If it is time for a bathroom makeover, count yourself lucky when you see the number of wonderful current decorating ideas for the bathroom today. There is a huge amount you can do with simple decorative treatments that avoid a full remodel.

If you have a small bathroom, remodeling ideas should mostly revolve around freeing the space of clutter and making better use of the available space. Using shelves, taller cabinets, and other organizational items will help the room seem larger because everything has a place and there is nothing left to crowd the space. There are any number of cabinets available to fit over the toilet or along empty walls to maximize the available area, or cabinets can be hung on the wall to free up floor space.

Regardless of the size of your bathroom, it is important that you sort out the existing items in the bathroom and choose which items you want to keep and which items can now retire. Clearing out unimportant clutter from the bathroom can help you decorate the room easily and match items for your fresh theme. Don’t be afraid to be bold and exciting – make your bathroom a fun place to visit!

Another decorating idea for a bathroom is to redo the porcelain sink and the tub. These tend to take a lot of abuse through the years, and with a fresh treatment, they will look brand-new. It’s a lot cheaper than putting in all new fixtures, and it really does make your bathroom look good.

A common bathroom decorating idea for people on a budget is adding or replacing light fixtures. While choosing a light may seem like a daunting task, be aware that once you have chosen the perfect lighting to enhance your bathroom’s theme, it can make a dramatic change to the overall feel of the room. Of course, also consider new paint, tile or wall paper to freshen up the space.

Following the new bathroom decorating trends while maintaining individual taste and style can be achieved with a little research and great imagination. Building on these ideas is sure to help anyone create the bathroom of their dreams. Home decorating magazines can be quite helpful, because if you see decorating materials that you like, there is often a section that shows how you can get them. They are also good at allowing you to see how the materials you’re interested in fit with other colors in the room.

But I Need to Remodel

If you find that redecorating just won’t do, and you really need to remodel, as part of your planning process create a bathroom remodeling check list to help you determine how much of an upgrade you can afford. Make sure you know exactly where your fixtures will go when designing your remodeling project, since you need the plumbing there to accommodate them. Unless you can somehow move the location of your fixtures, your sink, tub, and toilet are going to be exactly where you have them right now. In most cases, the location of your fixtures is going to be a hard limit, so plan accordingly.

Depending on the size of your bathroom and your budget, there are a few bathroom remodeling tips that can the project go smoother, as well as make life after the project easier. For large-budgeted bathroom remodeling projects, you can go beyond your dream bathroom by expanding the area and separating the toilet from the bath area. You can even add spa treatments, bathtubs, water jets and other more expensive bathroom add-ons.

If you have a more modest budget, one of the most important things is to make sure that the shower area is easily accessible. For example, some showers require a person to step up in order to enter the shower, while others are just walk-in showers. Whichever kind of shower you choose, it is important to note that it will have to be well installed in order to prevent leaks. Another method of controlling bathroom remodeling costs could be instead of replacing your tub and all the wall tiles, you could look into a tub and wall unit that fits right over an existing tub and wall. By using this technique and for a few hundred dollars the area can look as if it is brand-new. The alternative is replacing everything, which could run into the thousands.

When you choose where smaller fixtures go in the bathroom remodeling design, think function over form. For items such as the towel rack or even the toilet paper roll, keep in mind that they should go in places that are sensible, The towel rack might look nice by the door, but if it’s out of arm’s reach of the bathtub, then you won’t be happy whenever you get out of the shower, for example. With all things in bathroom remodeling design, if you design with an eye for common sense and space, you will be successful in your attempt to create a room that’s both stylish and functional.

There is no greater joy to a homeowner then to remodel a favorite room such as the bathroom. So, enjoy every minute of it, and, more importantly, enjoy the outcome of your work and labor. Once you are satisfied with the project, you can take your first relaxing shower and enjoy the long-term benefit from the investment you made.

Unintended Consequences of DMEPOS Competitive Bidding

Medicare’s DMEPOS Competitive Bidding Program has been in the public eye before its implementation in January 1, 2011 with lots of clamor on its possible negative impact on the Medicare population. DMEPOS or durable medical equipment, prosthetics, orthotics, and supplies include wheelchairs, oxygen concentrators, pacemakers, hospital beds, prosthetic limbs and other medical equipment intended for typical elderly and/or disabled.

The Centers for Medicare and Medicaid Services (CMS) competitive bidding program for durable medical equipment give emphasis on price competition among suppliers and providers. The innovation made on DMEPOS competitive bidding program greatly affects vulnerable medical beneficiaries of Medicare specifically on their freedom of choice, access and avail quality DME supplies. During the testing phase of the competitive bidding program, major problems were encountered by patients and beneficiaries that include additional costs to Medicare for numerous emergency room visits and longer hospital confinement, unfamiliar DME providers, and inaccessibility to vital equipment and services.

The CMS Medicare program will also take its toll on the marketplace with DME suppliers and providers engage in cutthroat economic competition to get their bid approved. Reduction in the cost of durable medical supplies will lead to inferior product quality and service for Medicare beneficiaries. Most DME bidders will resort to “predatory” and “suicide” bidding that result to unrealistically low bid prices. Small players in the bidding market such as Dallas medical supplies companies will have a hard time competing with large firms. The DMEPOS Competitive Bidding Program could take out most trusted and preferred DME suppliers of Medicare beneficiaries.

Various Home Medical Equipment (HME) organizations and advocacy groups are lobbying for the repeal of the competitive bidding program from influential members of the House of Representative. Certain bills for its repeal or modification are already sponsored for deliberation in the US Congress. Toll-free numbers are set up by HME groups for queries, feedbacks and updates of the program. The competitive bidding will affect nine major metropolitan areas of Charlotte, N.C.; Cleveleand, Dallas-Fort Worth, Cincinnati, Kansas City, Orlando, Miami, Pittsburgh and Riverside, CA. The unintended consequences of DMEPOS Competitive Bidding have yet to come and change the culture of the United States Medicare program.

Smokeless Cigarettes And Vaporized Nicotine

E-Cigarettes are known for containing not a single trace of tar. Smokeless cigarettes emit zero second hand smoke, and they never burn any kind of substance or use any forms of combustion. There are actually quite a few models of E-cigarettes that have built in safety features that are used to prevent a person from consuming too much nicotine. The device that is inside smokeless cigarettes is known as a smart chip, and it actually turns off the electric cigarette if there has been too much nicotine that has been delivered in a period of time that is unhealthy for users. When it comes to E-cigarettes there are refill cartridges that can be used for people who are trying to cut down their total consumption of nicotine.

These cartridges contain zero amounts of nicotine and produce only the harmless vapor. Many people require different dosing levels of nicotine, and that is ok. There are cartridges used with electronic cigarettes that range from zero, medium, and high amounts of nicotine content in them for those people that want lots of nicotine or none at all. Another added benefit for those people wanting to try out smokeless cigarettes, is the price of the refill cartridges. The price for the cartridges that E-cigarettes use is much less than what a person smoking tobacco cigarettes would pay.

Starter kits containing electric cigarettes are much less expensive overall than the price of tobacco cigarettes. Smart chips built right into the e-cigarettes shut down the device before a person smokes too much allowing for even more savings. One of the most beneficial reasons people choose to smoke smokeless cigarettes is simply because of the flexibility allowed with them. This flexibility allows an individual to smoke virtually anywhere they want because the smokeless cigarettes do not emit any kind of second hand smoke. This allows individuals to smoke indoors so they don’t have to abide by various smoking bans put into place for tobacco cigarettes.

Anyone who works at a job around people who smoke tobacco cigarettes know how obnoxious it can be. Smoking with smoke-free cigarettes improves the overall working environment. Getting a nicotine fix is economical now in places like airports, bars, clubs, and restaurants. Smoking alongside a person who is smoking tobacco cigarettes is also possible without worrying about emitting second hand smoke to other people. The main reason electric cigarettes do not bother anyone when smoking indoors is because they do not burn tobacco, so this makes them safe to smoke around other people.

E-cigarette510.com is an online e-cigarette store that combines quality hot selling smokeless cigarettes and low prices so everyone can join the new smokeless era. Now everyone can afford E-cigarettes and save money doing it. A typical smoker spends $5 a day on a pack of smokes which adds up to $150 each and every month with no end in sight. But with smokeless cigarettes you spend $29 to $69 once then maybe another $15 on some e-juice to refill your cartridges. Even if you continue to use e-cigarettes for the nicotine a typical smoker spends only $15 a month on e-juice refills. Huge savings no? It’s smart to check into it…

Quick Finance – Caveat Loans And Bridging Finance

Short term loans help people lessen their immediate money troubles, because of increasing everyday expenses and no sufficient income to meet the requirements. These loans by and large come in a shape of payday loans, in that you can obtain immediate cash with the settlement time between two and three weeks. Lots of lenders in Australia offer their service online that let you submit an application for the finance, 24 hours a day and 7 days a week.

If you need fast money, then a caveat loan, short term loan or bridging finance from any Australian finance Centre can help.

Caveat loans

Fundamentally, caveat loans are all about when lenders offer the borrower fast money, in return for their property as defense for the finance.

The submission of applications for these loans is extremely quick, and it is likely to be short term from approximately one month to four months. Usually the borrower can get the money inside 24 hours after the request has been launched, and in the majority of cases, having a bad credit documentation does not have an effect on your possibility of successfully achieving it. In other words, these loans are finance for property.

The reason caveat loans are provided for assets is since the borrower have to secure an asset against it, and the majority of the time, the assets consists of realty properties or vehicles, as other kinds of assets are usually not acknowledged to be a defense for such loans.

Bridging Finance

By explanation, Bridging Finance is a short-term loan used to buy business property.

This is something that can come in very helpful, conditional on your particular circumstances. There are two major points that you need to think about before you choose a Bridging Finance package, your wants and the condition of the property market.

One of the main benefits of Bridging Finance is that it will let you close on a property and buy a new property before you get rid of your existing one. You will need to assess your present situation to decide if your wants give good reason for taking on this sort of finance.

Paying off your Bridging Loan at the ending of the term usually depends on your capacity to sell your existing property. If it is not sold in the obligatory time, then you will have to pay the existing loan on your present property, your new property and the newly transformed Bridge Finance, too. If you think that this might be the likelihood then be sure to take a package that can be changed to business Loans if the need comes up. Or else, you might have to come up with the complete finance amount at the conclusion of the funding time.

Home ElectronicsCigarette (cigarrillo electronico) Automated Protection You Need To Know

Electronic cigarette(cigarette electronique) is a safe thing to consider when the(sigaretta elettronica).(cigarros electronicos) are a new and unknown computer, that should be reviewed and understand the use of the(elektronisk cigaret) for personal use. Security (cigarrillos electronicos) to be taken seriously and understood the use of the(elektronischen zigaretten).Safety begins with the spray (cigarrillo electronico). The spray is the small part that screws into the pile of (sigaretta elettronica) and connect the spray cartridge (elektroniske cigaretter).

This sprayer is heated to convert the liquid electronic cigarette nicotine cartridge into the water vapor that is inhaled. The electronic cigarette is safe in the knowledge that this warming and can be hot. Never drag a permanent or inhaling the electronic cigarette, because this will make(cigarros electronicos) spray to keep warm and eventually melt the toner. You must be a burden when you feel the urge to smoke. The use of the is moderately good security and cartridges will actually last longer.Another important safety does not hinder the electronic cigarette too hard. When you take a drag of you should take a slow, deep pull in about 3-5 seconds. If you pull too hard on the cartridge, you can potentially suck some of the nicotine in the mouth. If this happens, the security of (cigarro) correct too quickly, rinse your mouth with water.

When the ecigarette(sigaretta elettronica) company shows their cheap electric cigarette online, determine should they have had their logo design placed on it. Whether it just states ecigarette(elektronines cigarettes) or something like that cheap searching, this means they bought the in low amounts at affordable prices because they didn’t wish to spend the additional money possess a brand.

Always determine if there’s a person service or telephone number to call. Cheap ecigarette(cigarros electronicos) companies don’t want you to speak to them when their cheap ecigarette break in it plus they want spares. Whether it breaks you….you’re at a complete loss.

search for a warranty program. cheap companies know their are cheap and can break, they don’t want to spend out for spares.Take each one of these factors into account when selecting a top quality and never some cheap Sometimes may possibly not be worthwhile to purchase cheap electric cigarettes when they will break you. The word, you receive that which you purchaseis actually true. Opt for a reliable brand with a decent customer support and warranty program. Choose Electric DeleteCompany.Remember these important points of electronic security e-cigarette. If you want to know more about the safety of electronic cigarettes, go and read some of their blogs passing through security and electronic cigarette important things to know how you can safely use your cigarette.

Shopping For Used Clothing Accessories

We all know that accessories can make or break an outfit. Handbags, belts, shoes, scarves and more help to create a unique fashion statement for their wearers. Keeping up with the latest fashion trend can be expensive for shoppers. Accessories are a great option to create a fashion trend without changing your entire wardrobe each season. For affordable accessories, consider shopping in used clothing stores.

Millions of people donate and sell their unwanted accessories every year to charities, resale shops, consignment shops, flea markets and to online auction sites. A large quantity of used clothing and accessories that are available are barely used and some even have the original price tags on them. When you shop for used clothing accessories you will find quality pieces at affordable prices.

To start, browse your local physical stores by looking in the YellowPages, using your online search engine and asking your friends and family. Make a list of places that you would like to consider and then map out a plan to visit them. If you are looking for newer clothing accessories, consider visiting consignment shops first. Most items that you will find at a consignment shop are between 1-3 years old and you can expect up to a 50%-60% discount off of the retail price. If you are looking for a super bargain, start by searching thrift stores and flea markets. You may need to be willing to dig, but you will be sure to find some very nice, inexpensive items. Next, search your local resale shops as they offer a mix of old and new used clothing accessories and are generally a bit more organized than a flea market or a thrift store.

As you are shopping, be sure to also take an inventory of your current accessories and the items that you are looking to replace. As you are going through your closet, you will probably find unwanted clothes and accessories that you can even sell to generate funds to make some new accessories purchases. Be sure to take those items with you on your shopping trips.

When you are shopping on an online auction or consignment site, accessories are often sold in “Lots”. Lots are groupings of like items that are sold as a single unit. The advantages of lots are that you get a large selection in a single purchase, but the disadvantage is that you may not always know what you are getting. Single items that are more expensive are typically sold individually. Be sure to read the item descriptions carefully so that you know what you are getting and take into consideration what the shipping costs are going to be in your overall sales price. When you are making your online purchases, be sure to use a secure site and a reputable company to ensure your security and your privacy.

Shopping for used accessories online and in physical used clothing stores is a great way to build your wardrobe, to keep up with the trends and to find affordable items.

Comparison Car Rental Websites

The World Wide Web, or internet, is by far the most revolutionary invention mankind has come up with. There is an unlimited amount of information available to us with just a few key strokes. Car hire is included in this. We can now compare rates from the major car hire companies instantly. The good thing about this is that the companies are aware that clients can check. This keeps them more competitive and we reap the benefits with cheaper car hire.

With the internet however it does reduce our power to bargain with the companies as they already have the cheaper rates on the website. So the bargaining is already done and it doesn’t matter if you have a provider you prefer. You can still use the internet to get the best price from that branch, if it is more convenient. Whatever the reason, this extra information is good for us.

You can now find the best deals on car hire where ever you are in the world by using a comparison site. No need to spend your valuable time looking for local car operators numbers and spending hours on the phone talking sometimes to someone who may not speak your language. A comparison site will use software that taps into the National Companies live systems and will display the available cars and prices for you to choose from. Bottom line is that you will save money and time.

These comparison sites are ever evolving, working to make the process of booking car hire as streamlined as possible. The site will be easy to navigate providing all the information you need to complete the booking as well as offer you the ability to select any optional extras that may be required during your car rental. These may include Satellite Navigation (GPS), baby seats, additional driver and excess reduction, reducing your liability in the event of any accident. All the information is available at your fingertips, so be sure to read the Terms and Conditions applicable to the car you are planning to hire.

The global economic climate has not stopped travelers from taking their scheduled holidays. Some travelers are shortening the holiday, but overall with the airlines competing with cheap airfares people are still moving around and enjoying travel. You may find car hire rates a little cheaper due to competition and by far the best place to shop is on line for the best deals. Book early for car hire. Don’t expect to show up at a popular airport and get a bargain. You’re there, you need a car, they have the car and you will need to have the money and drivers license. So it will not be cheap. Book well before leaving home and have your confirmation with you on arrival. Remember if you are traveling during peak seasons, you will pay more for car hire, and everything else for that matter. See you somewhere in the great outdoors. Save travels everyone!

Best Electronic Cigarettes Vs Electronic Cigarettes

People do have bad habits, but what matters is getting rid of them for one’s good. Smoking is one of them. Smoking is an addiction for many people. You can get addicted to smoking without taking much time, but quitting this activity can be a little difficult for you. Generally you would find it very difficult to find an alternative to harmful smoking.

But what if you find one? That would be the best gift for you.

Electronic cigaret give you the privilege to smoke without harming your health. They do not contain tobacco. Electronic cigarettes give you the same feeling of smoking an actual cigarette without harming you. You can use electronic cigarett in a non-smoking arena as well. Generally, passive smoking is considered more harmful than active smoking, so you can get yourself the best electronic cigaret in the market and not only avoid falling ill yourself and also allow people around your vicinity take in fresh air.

Monotony creeps in when you smoke cigarettes of the same taste and brand every time. If you smoke one of the best electronic cigarete available in the market, you get ample flavors of your choice and along with that you can also vary the amount of nicotine per cigarette from high to low. So that?s where the difference is. When are you opting for the best ele cigarettes available at the stores?

Generally cigarettes emit a smell which is not welcomed by the non-smokers. For that particular reason electronic cigars are welcomed by most of the smokers as these ensure a healthy and a smokeless atmosphere without any offence to anyone.

The cheapest cigarettes come with low quality batteries. Therefore, you have to be tactful while choosing one for yourself. The best electronic cigarette in the market have high-density lithium ion batteries which would easily last for a long time without failure. The best ones in the market also give you an extra battery just in case the first battery gets exhausted.

Please remember! While purchasing these devices be careful of the Chinese imports which are not of the best quality. To get the best of the electronic cigarete you need to be aware of the good brands that are available in the market. So be wise and choose the best of the lot available and happy smoking!

Safer Smoke Supply is a company that produces affordable and high-quality e-cigs that last for quite long.

The Life Cycle of Acquisition-Based Companies

A few years ago, I was discussing this phenomenon with the CEO of one of our clients. His company had grown almost entirely through acquisition, and for several years the company had experienced revenue growth rates exceeding 20%. However, the company had plateaued with respect to earnings, and looking at their overall performance it became clear to him (and to the Wall Street analysts that watched his company) that a great deal of money had been left on the table. Working with that CEO, I developed a model called the ACL Life Cycle. Understanding and using the ACL Life Cycle has proven enormously beneficial to clients depending on an M&A strategy for continued growth.

The ACL Life Cycle

The ACL Life Cycle describes the maturation process of companies who grow substantially through acquisitions and mergers. Using the ACL model, we can clearly identify the company’s current position. Knowing that position, and then looking forward at the company’s financial objectives through the lens of their business strategies, the specific actions that are needed become clear. Those actions can then be formed into an executable plan with associated performance measures, and managed through completion to bring the overall enterprise to heightened levels of financial performance. It is important for acquisition-oriented executives to understand the major phases and characteristics of the ACL Life Cycle.

Businesses who have survived one or more acquisitions and/or mergers are usually left with some degree of disintegration among their processes and systems. A company’s success in reaching the financial objectives of the merger or acquisition is directly correlated with the degree to which that disintegration has been replaced by a set of business processes and information systems that are common enough to generate enterprise-wide leverage. Implicit in that commonality is enterprise-level direction and guidance, manifested in company-wide business strategies and performance measures that align all of the combined business units. These businesses move, in this post-acquisition or post-merger environment, from an acquisition-based operating model to one characterized by shared services and a general commonization, to a stage where the enterprise “whole” really is able to become something greater than the sum of its business unit “parts”. It is more than the typical cost-reduction synergy anticipated in most of these transactions; it is a new platform for innovation, and an even higher level of innovation-based leverage.

Companies who experience substantive growth as a result of business acquisitions typically follow the ACL life cycle. ACL in this context stands for: Acquisition, Commonization, and Leverage. Many companies never leave the first stage of this maturity scale, and still more remain at the second stage. The most successful companies are usually those who recognize the importance of moving through all three stages, and consistently implement a structured process for doing so.
All companies experience pressures that push them toward decentralized operations, including idiosyncrasies of specific market niches served, the uniquenesses of isolated business processes, unusual needs of specific customer populations, and Uncategorized organizational entropy. At the same time, most of the companies that are successful in achieving the financial performance objectives established for the newly merged enterprise manage to overcome those challenges, electing to pursue the advantages of leverage, including:

  • broad synergistic brand recognition, enabling cross-selling, bundling of products and services, and improving revenue
  • interchangeability of business process resources, enabling the company to reduce its asset base
  • commonality and scalability in equipment / skills / facilities, facilitating innovation and growth into additional markets
  • higher utilization of business assets, reducing unit cost
  • lower levels of redundancy, resulting in reduced operating costs

These companies also typically find that maintaining compliance with financial reporting standards such as Sarbanes-Oxley requirements are enhanced as a result of strengthened internal controls.
Some companies make a deliberate decision to remain “holding companies”, which simply buy and sell diverse businesses that have only marginal relationships with one another. These conglomerates prefer to manage the portfolio through buying and selling components, and allowing the leadership teams at the individual companies to manage ongoing operations from strategy through execution. A few of them have been quite successful, and this article is sometimes not as directly applicable to those at a corporate level. It works very well, however, for their major divisions. Companies that benefit most from understanding the three stages of the ACL Life Cycle are those companies who have decided to focus on a single core industry – Aerospace & Defense, Automotive, Chemicals and Polymers, Textiles, Electronics, Telecommunications, Consumer Products, Medical Equipment producers, Healthcare providers, and Financial Services providers are all good candidates. 

The Acquisition Stage of the ACL Life Cycle

Companies in the Acquisition Stageof their life cycles are usually focused on revenue growth, and capturing market share. They are characterized by high levels of autonomy in management, in the reporting of site-level data to the corporate parent, and in the design of their business processes and systems. Companies who remain in this stage for long periods of time following acquisitions usually act as holding companies, with the corporation allowing individual divisions or sites to operate almost as independent companies with their own P&L, strategic plans, and market-facing branding. Often, companies in the Acquisition stage lack a common vision of the future of the overall business, and tend to operate at cross-purposes among the operating units. They sometimes even compete against one another for the same customers. They share little operating information, making it nearly impossible to coordinate and deploy “best practices”, effectively distribute work load, utilize general market intelligence, and grasp other elements that could provide corporate-wide leverage of the businesses’ assets and resources. A few industry-specific examples here should help to illustrate the situation:

Manufacturing companies in the acquisition stage are usually characterized by redundancies in raw materials, equipment, staffing, and other business resources. Because manufacturing companies are relatively material-intense, a great deal of cost can be tied up in raw materials, work-in-process, and finished goods. Since acquisition stage companies have so little visibility between business units, there is little opportunity for them to reallocate these assets in order to use them effectively. As a result, the most costly resources remain the most underutilized. In addition, acquisition-stage companies have not centralized the management of even commodity-level business processes, such as finance, human resources, and information technology. This lack of centralization leaves additional inefficiencies in place around accounting staff, employee benefits provider subscriptions, business software applications, data centers, and computing equipment. 

Telecommunications companies in the acquisition stage also have unrealized opportunities for greater leverage from their business assets, but these more often take the form of redundancies in network equipment, network coverage, retail outlets, partner agreements related to the sale of their products, and interconnection agreements with other carriers. In addition, acquisition stage telecom companies often have a substantial amount of unrealized leverage in the lack of integration among the data bases and information of their various divisions that could enable shared service operations for commodity-type processes such as billing and cross-selling of products and services. Like manufacturing companies, telecom companies in the acquisition stage also typically have unexploited opportunities around the consolidation of data centers and related equipment and staffing.

Healthcare providers in the acquisition stage usually find opportunities in different areas of their businesses, because of the differing cost structure of their operations. The bulk of their costs and their opportunities while in the acquisition stage of maturity in the ACL Life Cycle are related to employee salaries & benefits, and to medical supplies and drugs. It is less common for these businesses to be able to effectively share inventories and equipment, since the nature of their business is rooted in community health care that requires local service provision. The opportunities that do exist, which are typically not exploited well in acquisition stage health care companies, are related to centralizing commodity type business processes such as finance, human resources, and information systems, and leveraging required service and supply procurement across the enterprise. 

Financial Services providers, such as banks, brokerages, credit unions, financial planning companies and tax & audit services exhibit yet another cost profile, with the largest elements typically including personnel and occupancy costs. In these businesses, like health care provision, being where the customers are is critical. The companies’ ability to understand the changing demographics and match up their branches as well as their skills to the targeted customer base is often a differentiator between the companies that succeed and those that fail. Financial services providers who are still in the acquisition stage of maturity in the ACL Life Cycle often do not have the commonality in fundamental business processes and systems to readily reconfigure their operations to meet the changing needs of their marketplace. Their acquisitions or mergers have enabled them to grow horizontally, typically into adjacent markets. However, lacking an adequate foundation of commonality in processes and systems, there is substantial money left on the proverbial table as a result of ineffective resource deployment, and delays in the reporting of operational performance data that would enable the company to be more responsive. These companies also fail, in their acquisition stage, to take advantage of their larger purchasing power to gain leverage around purchased services spanning items as diverse as employee health care and branch-level office supplies.   

The Commonization Stage of the ACL Life Cycle

Companies in the Commonization Stage of their life cycles have usually awakened to the value of focusing on Return on Net Assets (RONA) and Return on Invested Capital (ROIC). In order to begin to capture improvements in these areas, companies in the Commonization Stage often turn to shared service models of operations for selected business processes and systems. Strategies and performance measures begin to crystallize around common themes that span multiple operating units or divisions. Among the areas of focus for a shared service model in this stage are Finance (A/R, A/P, General Ledger, and Financial Reporting), Human Resources (Payroll, Benefits, and Employment Records), and Information Technology (Computer Hardware, Network Administration, and selected Software Applications Management). Some companies in the Commonization Stage also move Procurement and other aspects of Materials Management to a shared service model, enabling the corporation to more effectively leverage its broadest possible purchasing power.

Manufacturing companies in the commonization stage of maturity typically have shared services in place for commodity types of business processes such as finance, human resources, and information systems management. As they advance through the commonization phase, some of them also begin to pull together a common platform for procurement, encompassing at least their most costly and common raw materials. A few in this stage reach a point where their data center
operations are completely centralized, and may even be outsourced to a third party like CSC. Toward the end of the commonization phase, centralization of work deployment and capacity utilization as well as process quality emerge as companies begin to deploy common processes and systems in customer requirements management, enterprise requirements planning, manufacturing execution systems, and distribution management systems. 

Telecommunications companies in the commonization stage of maturity also typically have shared services in place for commodity types of business processes such as finance, human resources, and information systems management. As they advance in maturity through this stage, telecoms also become aware of the available leverage in centralizing the management of some of their most valuable assets. However, unlike the manufacturer’s raw material focus, for telecommunications operations those elements are things like spectrum licenses, network equipment, connection agreements, partner agreements, distribution centers, and retail outlets. Centralizing the management of those assets to identify overlaps and redundancies enables telecoms to emerge from the commonization stage with much more effectively leveraged business assets, providing broader market coverage with a lower total asset base and generating much higher earnings on that consolidated foundation.

Healthcare companies in the commonization phase of maturity find substantial benefit in the commonization and centralization of their commodity type processes and systems.  This is primarily because of the impact on cash flow and earnings when the employee base is reduced through shared services, and employee benefits and supplies are both leveraged in terms of the broader purchasing power of the company following a business acquisition of significant size. However, there is also an especially rich opportunity available to healthcare companies in the commonization stage that stems form the leverage available related to insurance coverage – not for the employees directly, but covering the potential liability of the company itself. This category of cost is typically about the third largest slice of the pie, and significant reductions there can translate quickly to a meaningful earnings impact. 

 Financial services providers in the commonization stage of the ACL Life Cycle, like healthcare providers, often find substantial benefit in the commonization and centralization of their commodity type processes and systems. With roughly half of their cost of operations wrapped up in employee salaries and benefits, there is an opportunity for meaningful impact on cash flow and earnings when the employee base is reduced through shared services, and employee benefits and supplies are both leveraged in terms of the broader purchasing power of the company following a business acquisition or merger. The next significant area for financial service providers in the commonization stage is the capability for rapid reconfiguration of the business based on enterprise-wide visibility of operational data and market intelligence.

The Leverage Stage of the ACL Life Cycle

Companies in the Leverage Stage of their life cycles are usually embarked on a fierce drive toward adding real value. They are relentless in their efforts to fully utilize the assets of the entire corporation, driving out redundancy and its associated costs. They are then able to pivot on the fulcrum of those more agile processes and systems to implement innovations that foster organic growth resulting in greater market share, greater revenue, and improved earnings for their shareholders. Leverage Stage companies also establish a structured and repetitive process of assimilating new businesses, gathering and incorporating market intelligence into company-wide strategies, and innovating on the basis of these new combinations to capture additional market segments. These companies are characterized by coordination and centralization of major business functions such as the planning and allocation of R&D, production work, inventories, raw material purchases, personnel, and factories & equipment. They centrally manage a broad spectrum of common business processes and systems, including customer requirements management, product data management, enterprise requirements planning, manufacturing execution systems, and logistics management. They are constantly changing, evaluating and configuring business assets to meet future market needs, acquiring and developing new businesses, and shedding assets that no longer fit their evolving model.

Manufacturing companies in the leverage stage of maturity typically have shared services in place for most of the critical business processes of their company, having reached beyond the commodity level processes and into those which deliver the most value to their customers. Examples include sales & marketing, order entry & customer service, capacity planning and management, production scheduling and shop floor control, and distribution requirements planning. As they move through the leverage stage of the ACL Life Cycle, some of these companies leverage the commonality of their processes and systems to produce innovative new products and services, identify additional market opportunities, and develop industry-changing relationships that reach through their supply chains. 

Telecommunications companies in the leverage stage of maturity also have shared services in place for most of the critical business processes of their company, including the seamless provisioning (often called “flow-through provisioning” by industry insiders) of all telephonic services to customers stemming from a single telephone conversation responding to an individual inquiry about a service. This type of capability is only enabled when all of the information from what have historically been disparate data bases is available in an intelligent form through excellent systems integration, based on exceptional levels of commonality and strength in enterprise-wide business processes.

Healthcare companies in the leverage stage of maturity have typically discovered and implemented leverage-based improvements in their major cost structure elements as a result of enterprise-wide information visibility flowing from systems integration and centralized management of critical business processes. Health care companies generally also have uniquely challenging business conditions related to three other areas where leverage level operations can be a powerful tool. 

The first of these areas is employee safety. Most health care organizations are spending a substantial amount of money in this regard, with training and documentation of company polices and safety-related practices requiring an increasing amount of company attention. The integration of systems and commonization of processes in a leverage stage health care company offers opportunities to more quickly incorporate internal best practices, externally imposed business requirements, and feedback about lessons learned across the entire health care organization regardless of geographic dispersion. Commonization and centralized management here can result in substantially lower cost, and more importantly, substantially higher and more uniform levels of employee safety. 

The second area is bad debt. The integration of customer data, and effectively interfacing a common set of enterprise-wide processes and systems with outside service providers such health maintenance organizations and insurance carriers, substantially reduces the amount of bad debt in leverage level health care companies. 

The third area, and perhaps the area of richest opportunity, is the area of patient medical information. This area is tricky because of legislation related to patient privacy and guidelines recently established for the maintenance and communication of patient medic
al information. However, one of the fundamental challenges faced by health care providers is the absence of available medical history, particularly when a patient is admitted to an emergency room or urgent care facility. Particularly when a patient is unable to respond to questions directly due to an incapacitation illness or injury, time can literally mean life or death. Making all necessary information available to the physicians and other health care professionals involved as quickly as possible is extremely important. When critical business processes and information systems for the management of this information are brought to an effective level of commonality, the rapid dissemination of the needed information can be greatly improved, while patients’ expectations around the privacy of their information are still met. 

Financial services companies in the leverage stage of maturity, like health care companies in some ways, must balance the needs of differing local customer geographies against the advantages of centralized management in critical business processes and systems. There is real value in allowing some latitude to local branch officers and customer-facing staff such as loan officers to accommodate the unique circumstances involved in specific cases. However, these companies often find that a significant advantage of the leverage provided by enterprise-wide commonization of processes and systems is the ability to see the nuances of differing markets at a corporate level, and recognize broader trends among those different markets more quickly and clearly than they could before. This improved visibility, in turn, enables management to reconfigure their service offerings, redeploy resources such as sales dollars, and organize sales campaigns for those specific markets more quickly than they could previously.  

The best of these companies, regardless of what industry they occupy, utilize their common platform of processes, systems, and information to understand the needs of their customers in unique ways, and fluidly translate those needs into the features of their products and services. A few, at the very top of the game, come to understand the customers’ needs even before the customer recognizes them, and when necessary they reconfigure their entire business to meet those needs, gaining unassailable competitive advantage. The enterprise-wide leverage they achieved as a result of carefully and skillfully handling the post-merger or post-acquisition integration of processes, systems, and data provided the platform from which innovation launched them to new levels of performance. Examples could as easily be provided for companies in pharmaceuticals, retail operations, or the food & beverage industry. The lessons learned and the techniques vary a little, but the principles are the same.

A Career As a Travel Nurse

Travel nurses are healthcare professionals such as registered nurses or therapists who travel to various locations to work for certain portions of the year. They usually work up to four travel jobs per year. A travel nurse can work in any region in the United States and many International regions. Most nurses secure a career through a reputable travel staffing agency.

A career as a travel nurse can be personally and financially rewarding. Most people who have this experienced in life say it is an exciting profession and a great way to earn a living. This professional will enjoy living in new and exciting locations, reside in wonderful accommodations, and work in excellent hospitals. Other benefits include:

Travel Assistance: Most reputable agencies will arrange such travel details as directions and maps. They should also have a 24-hour emergency hotline.

Great Pay: While on assignment, these nurses are offered comprehensive packages consisting of excellent pay with many benefits and bonuses. Annual earnings for an RN travel nursing jobs can be as high as $110,000.

Your Facility Choice: Most agencies have available jobs in all 50 states and at the highest ranking hospitals.

Free Private Housing: Housing accommodations are selected by agencies for their excellent services and amenities that may include spas, swimming pools, and fitness centers.

Flexible Work Schedule: Many nurses choose this career because the stress of a traditional hospital can be the result of long hours and increased physical demands. They have more flexible work schedules. It is often much easier to plan for special engagements and vacations

Free Health and Dental Insurance: Travel nursing agencies offer many free comprehensive health plans to meet all their client’s needs. Dependents can also be covered at a nominal cost. They can also receive supplemental insurance that provides income if they are unable to work as a result of a non-work-related illness. As well, professional liability insurance should be offered at no extra cost.

Work Protection Plan: A work protection program should be offered by a reputable agency because it ensures that if a shift is cancelled, you will still be paid.

Travel Expenses Reimbursement: Most agencies will provide travel allowance to nurses. Travel allowance may be given before you depart or as a reimbursement after you arrive.

Tax Advantage Plans: Tax laws allow full-time travel nurses to receive non-taxable credit for meals.

Licensure Reimbursement: Agencies will reimburse nurses for their State Nursing Licensure fees for every travel assignment. They will also help them acquire a State Nursing License.

Auto Club Membership: Agencies offer a discount or free membership to an auto club. They will have access to roadside assistance, hotel discounts, rental cars, free trip routing with detailed directions and maps, emergency check cashing, and no fee travelers checks.

401(k) Plan: Enrollment in a retirement 401(k) plan where a portion of their earnings will go into a retirement savings plan.

Free Course Upgrades: Many agencies will provide free education courses so nurses can keep up with new technology and education.

Referral Bonuses:Agencies will give bonuses to travel nurses who recruit other health professionals into their program.

While the pay and bonuses of a career in travel nursing are very rewarding, these positions are highly sought after. It is important that you keep up with modern education and experience. There are hundreds of agencies that specialize in placing travel nurses. Registering with several agencies will increase your assignment choices. With the right planning and knowledge, you will discover great joy with a career.

Some General Information On Car Rentals

If you are planning to take a vacation in the near future then you might want to consider driving down to the destination of your choice instead of having to spend a lot of money on air fare and other travel options. Driving down gives you a slight modicum of control over your travel plans. You can leave anytime you want to without having to keep to a specific schedule. You save money because the amount of money you spend on renting the car and on the fuel can be shared by all the people who are travelling with you. And, you don’t have to worry about ticket availability during peak season travel.

Renting a car can be a very simple process. All you need to really figure out is how many people will be travelling so that you can get a car that can seat everyone together and also accommodate the luggage that you will be carrying. Once you have this information and a certain budget thought out you can visit the local rental companies and ask around about the various vehicles they have as well as the fee that each charges. If you really want to enjoy you travel as much as your destination then you can opt for a large variety of RVs.

Comparing and contrasting the various quotes from different companies can allow you to make the most savings. If you decide to travel on weekdays and days that are not holiday dates then the prices can be desirably low. you can even get discount coupons and vouchers from printed media or off the internet to help you save a tidy sum that can be put towards activities when you reach your destination!

What Is the Big Deal About Shopping for Cheap Shoes and Women's Sandals?

Well, it’s because most all women love to shop for shoes; your outfit is not complete with out that perfect pair of shoes. But in today economy we don’t have a fortune to spend. So buying cheap shoes becomes a major factor but at the same time we are not willing to give up on the quality and style. Lucky for us we don’t have to there are many online shoe stores that cater to our needs, offering various styles of Women’s sandals, Fashion Boots, pumps, wedges, casual flats and many more giving women what they want without having to sacrifice quality to deliver low cost

The benefit of shopping on line:

Well that’s is an easy one, its cheaper, faster, and the online stores are open 24/7 to allow you to shop at your convince and when you have few minutes to yourself. Plus the online shoe stores have a much larger inventory then a department store. So the chance are you will find your dream shoes at one online store that will soon become your favorite, so remember to bookmark it.

Tips to keep in mind while shopping for shoes

You always what to consider Comfort, style, needs, occasion and outfits are the major tips that should always be at the forefront of your mind when you go shopping for shoes just like we make our lists to go the grocery store, same concept different item!

Successful shopping to enjoy the maximum benefits:

–keep your wardrobe update with the latest styles and trends like heeled sandals, flats, wedges, peep-toe sexy sandals, beautiful pump, stylish thongs, fabulous flip flops etc. but always choose the style that fits you and your personality

–Shopping for the occasion is also an important factor to consider. If it is for a night on the town, a pair of stylish stilettos or platform pumps will do to give you sexy appeal. But if you planning a trip to the beach or a stroll through the park you might want to consider a pair of cute and comfortable flat women’s sandals, a pair of flip flops or even a lovely pair of low wedges will fit the bill. What ever the occasion don’t just settle, find the perfect pair that shows off your personality, your outfit and matches the need for the shoes.

–Choose a pair of footwear that matches most of your outfits for everyday ware. But if it’s a special event then shop for shoes that will well match your selected outfit, giving you the stylish flair you are looking for, with an evening gown, a nice pair of any high heel sexy sandals will be the perfect cherry on the cake to keep you in the limelight. For any casual outfits like sundress or caprices, slip into a pair cute and sassy womens wedges that are all the rage right now.

–And of course comfort is the utmost important thing to consider while picking a pair of women’s sandals. Make sure they fit property, the shoes should fit you comfortably and easy to walk in, after all we are not all made for walking in 6′ stilettos, but hey then there are those ladies that are. Whatever your choice I am sure you will be able to find them at an online shoe retailer that stays on top of all the fashion trends at affordable prices,

Owning stylish beautiful shoes should be the right of every women, and stylish beautiful shoes can still be high quality cheap shoes

Have FUN!! And enjoy your shopping trip