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Saturday, February 18, 2012

SBA Business Loan – Criteria To Obtain SBA Loans

While you try to obtain an on SBA business loan there are certain requirements that need to be fulfilled. Let us have a look at them below: 

The first requirement is to provide a detailed profile of the business that you are currently running. This will include detailing of the business type that you are running. You will also need to provide the time limit from when you are running this business. Also, any information regarding the overall sales, profit and loss reports will also need to be discussed. Finally, the total number of people working under you needs to be mentioned along with the area of location of the venture. Apart from providing this information, you will also be asked to provide all the business operation related news. 

The next requirement is the process to select the correct SBA loan that will best meet your purpose. You will need to discuss the amount you feel is necessary for your venture and then specifying the detailed information about how you will use these funds for your business. One thing should be kept in mind: Always read carefully all the schemes and plans available before applying. You need to ensure that you are choosing the best scheme to meet your needs and requirements. Unless you undergo the correct selection and application procedure, you will find that you have achieved nothing as your application will be ruled out. 

The next step of the application process is extremely crucial. It is related with all the financial statements regarding your business venture status. However, this scenario is common to every loan package that you will obtain from anywhere. All the financial statements are required to be submitted pertaining to the last three years and also of the present year. 

Not only the financial statements but also certain other financial calculative sheets need to be included. The account payables, receivables and the transactions related to cash flow are also required to be shown. The major advantage in this criterion is that suitable proof can be provided through some statements of cash flow on monthly basis to highlight the fact that you can repay the loan amount without any sort of trouble or difficulty.

Sunday, February 12, 2012

AdSense Displays Ads Associated With Keywords On The Page

Many websites include a section or two with the "Ads by Google" advertisements. These are ads displayed via Google's AdSense. When you do a search on Google and see ads in the search results pages, they are generally AdSense ads.

AdSense - The Yin

Google's AdSense is programming that "senses" the content of a page or search. It finds keywords on a web page or in a search phrase to determine the subject of the content. It does this by either "reading" the page, or taking a look at the search term that was typed into Google Search. It can "Sense" which ads in the system are relevant to the content or search and display them - thus: "AdSense."

Before ads on a page are displayed, AdSense searches its database of advertisers and finds ads that are associated with keywords on the page or in the search. Now AdSense needs to decide which of the thousands of ads vying for position are actually displayed. To make this decision, AdSense looks at the advertiser's bids for the relevant keywords. The advertisers that have a combination of the highest bid, keyword relevance and best click through get displayed first.

Google tracks clicks on ads and advertisers pay Google the bid price for each click. When the AdSense ad is on someone's web page, Google pays the website owner a portion of the payment for each click. The term "monetizing" your site refers to taking your existing site and placing ads like AdSense on it to make money (or finding other way to make money with websites). If you get 10,000 visitors and 10% of them click an ad that pays you, theoretically, $0.75 per click, you just made $750! Not bad for just copying some AdSense code (which Google provides) into your popular website's HTML.

AdWords - The Yang

The other side to AdSense is AdWords. AdSense ads have lists of relevant keywords associated with them. Each keyword is bid on by the advertisers for placement in the results pages and on web sites around the world. The words that will prompt a display of an advertiser's ad are bid on by the advertiser. When an ad matches the words on a page, the ads are displayed; thus: AdWords. AdWords is the system in Google that is used to place ads that display in AdSense.

You can enroll in AdWords to pay for AdSense ads to drive traffic to your site. The first step is to sign up with Google. The next step is to associate keywords to associate with your site.

The idea is to drive traffic to your site through the use of relevant ads. The more relevant the ad to your content, the more targeted your traffic will be. Compose your articles around your list of keywords. Next, write an ad based on the keywords and assign keywords to the ad. You will bid on the keywords at the time you associate keywords with the ad. If one of your keywords is searched for or relevant to a site, and you have a good bid and relevant ad, your AdWords ad will be displayed. Only when someone clicks your ad are you charged by Google.

The more popular keywords are wanted by many competitors, so the prices per click can get pretty high. It is not uncommon for a click to cost $5 or even $10. If you have 10,000 ad clicks, after you account for your conversion rate (the rate that you convert visitors into buyers) you better be sure you are making more than the ad click costs! But it should never break your bank because you can set the bid limits and the monthly budget.

What if you can't afford $5.00 per click? Since the more popular keywords are so expensive, it is best to bid on less popular keywords because the cost per click is lower. Google presently has a minimum bid of $0.05 per click. If you can get those, you can reduce your advertising budget.

A popular site can make a lot of money, however, a lot of money and time can be wasted. To avoid waste, you have to learn as much as possible and get the right tools to do the research

Pheedo- A Blogging Tool

Pheedo started to help thousands of bloggers, micro-publishers and large media outlets which are in need of a flexible advertising solution. Its aim is to provide publishers and advertisers the tools needed capitalize on the business opportunities surrounding weblogs and syndicated content feeds. Pheedo creates tools that help individuals, organizations and corporations to promote, analyze, and optimize their weblogs and content feeds with simple, but still robust software and services. Pheedo provides solutions to the publishers and advertisers.

Solutions for Publishers

Solutions for Advertisers

Solutions for Publishers

Pheedo provides tools to publishers which help them in increasing the traffic and monetize their content. It focuses on RSS and weblog publishers, understands their business and develops tools according to their needs. This software has three parts Pheedo feed manager, Pheedo blog network and Blogsnob traffic exchange.

Pheedo Feed Manager

It helps web publishers of all sizes efficiently manage, serve and report on ads in RSS/Atom feeds. Create an instant revenue stream by inserting ads from partners or sell ads directly from the site. Its intelligent system specifically built to understand how each aggregator thinks. It serves the appropriate ad based on the unique characteristics of the feed reader. 

Features

1. This software provides different kinds of reports like revenue reports, real time campaign optimization reports, and campaign performance reports for advertisers and agencies and feed statistics like unique users, click through stats, etc.

2. This tool delivers target advertisements to specific Audience segments based on category and performance and delivers targeted ad by aggregator type.

3. This tool helps in smooth and continuous ad delivery through spikes in traffic or natural business growth.

4. It allows for creative adjustments to be made immediately and parameters can be defined by time, date and click-throughs.

Merits

1. No bandwidth costs incurred by feed traffic spikes reduce infrastructure costs and increases revenues.

2. This tool is easy-to-use, flexible and turnkey service to get you up and running in a matter of minutes.

3. This tool has complete control over placement of ads in feed and advertisers.

4. No need to build costly infrastructure. Provide anytime, anywhere access through the Internet. Enterprise version is also available.

Pheedo Blog Network

This software provides the tools and control which helps in creating an instant revenue stream from your weblog by leveraging our advertising partners or selling ads directly from your blog. Its focus is on helping weblog publishers monetize their content. Its cost-per-click solution and category targeting helps in tapping into new revenue streams.

Features

1. This software is flexible and matches the look and feel of the ads with the website.

2. This software provides real-time tracking and reporting which helps in knowing exactly the revenue generated from your content. 

3. It provides ad management means controls which advertisers appear on your blog or feed.

Merits

1. Monetize the content- Weblog publishers now have robust software and advertising partner that can help leverage their quality Audience and content. 

2. Maximize the revenue- To improve the performance and increase your revenue, the ads are targeted by category. This is a more efficient method of buying ad inventory compared to purchasing keywords 

Saturday, February 11, 2012

The Secret of Rooting Cuttings


The secret of rooting cuttings can be summed up in two words.
 “Timing and technique”. 
When you do your cuttings is every bit as important as how you do them. So if you do the right thing, at the right time of the year, your efforts are sure to bring success. Through this article you will learn both. 
"Rooting Hardwood Cuttings of Deciduous Plants" 
Hardwood cuttings are much more durable than softwood cuttings which is why hardwoods are the best technique for the home gardener. A deciduous plant is a plant that loses it’s leaves during the winter. All plants go dormant during the winter, but evergreens keep their foliage. Many people don’t consider Rhododendrons, Azaleas, and and Mountain Laurel evergreens, but they are. They are known as broad leaf evergreens. Any plant that completely loses it’s leaves is a deciduous plant. 
There are three different techniques for rooting cuttings of deciduous plants. Two methods for hardwood cuttings, and one for softwood cuttings.   In this article we are only going to discuss rooting cuttings using the hardwood methods.  If you are interested in softwood cuttings, you'll find a very informative article at http://www.freeplants.com
Of the two hardwood techniques is one better than the other? It depends on exactly what you are rooting, what the soil conditions are at your house, and what Mother Nature has up her sleeve for the coming winter.

I have experienced both success and failure using each method. Only experimentation will determine what works best for you. Try some cuttings using each method. 
When doing hardwood cuttings of deciduous plants, you should wait until the parent plants are completely dormant. This does not happen until you’ve experienced a good hard freeze where the temperature dips down below 32 degrees F. for a period of several hours. Here in northeastern Ohio this usually occurs around mid November. 
Unlike softwood cuttings of deciduous plants, where you only take tip cuttings from the ends of the branches, that rule does not apply to hardwood cuttings of deciduous plants. For instance, a plant such as Forsythia can grow as much as four feet in one season. In that case, you can use all of the current year's growth to make hardwood cuttings. 
You might be able to get six or eight cuttings from one branch. Grapes are extremely vigorous. A grape vine can grow up to ten feet or more in one season. That entire vine can be used for hardwood cuttings. Of course with grape vines, there is considerable space between the buds, so the cuttings have to be much longer than most other deciduous plants. The average length of a hardwood grape vine cutting is about 12” and still only has 3 or 4 buds. The bud spacing on most other deciduous plants is much closer, so the cuttings only need to be about 6- 8” in length. 
Making a deciduous hardwood cutting is quite easy. Just collect some branches (known as canes) from the parent plants. Clip these canes into cuttings about 6” long. Of course these canes will not have any leaves on them because the plant is dormant, but if you examine the canes closely you will see little bumps along the cane. These bumps are bud unions. They are next year’s leaf buds or nodes, as they are often called. 
When making a hardwood cutting of a deciduous plant it is best to make the cut at the bottom, or the butt end of the cutting just below a node, and make the cut at the top of the cutting about 3/4” above a node. This technique serves two purposes. One, it makes it easier for you to distinguish the top of the cutting from the bottom of the cutting as you handle them. It also aids the cutting in two different ways. Any time you cut a plant above a node, the section of stem left above that node will die back to the top node. So if you were to leave 1/2” of stem below the bottom node, it would just die back anyway. Having that section of dead wood underground is not a good idea. It is only a place for insects and disease to hide. 
It is also helpful to actually injure a plant slightly when trying to force it to develop roots. When a plant is injured, it develops a callous over the wound as protection. This callous build up is necessary before roots will develop. Cutting just below a node on the bottom of a cutting causes the plant to develop callous and eventually, roots.

Making the cut on the top of the cutting 3/4” above the node is done so that the 3/4” section of stem above the node will provide protection for the top node. This keeps the buds from being damaged or knocked off during handling and planting. You can press down on the cutting without harming the buds. 
When rooting cuttings this way it helps to make the cut at the top of the cutting at an angle. This sheds water away from the cut end of the cutting and helps to reduce the chance of disease. Once you have all of your cuttings made, dip the bottom of the cutting in a rooting compound. Make sure you have the right strength rooting compound (available at most garden stores) for hardwood cuttings. Line them up so the butt ends are even and tie them into bundles. 
Select a spot in your garden that is in full sun. Dig a hole about 12” deep and large enough to hold all of the bundles of cuttings. Place the bundles of cuttings in the hole upside down. The butt ends of the cuttings should be up. The butt ends of the cuttings should be about 6” below the surface. Cover the cuttings completely with soil and mark the location with a stake, so you can find them again in the spring. 
I know this sounds crazy, but rooting cuttings this way does work.  To increase your chances of success you can cover the butt ends of the cuttings with moist peat moss before filling in the hole. Make sure you wet the peat moss thoroughly, then just pack it on the butt ends of the cuttings.
Over the winter the cuttings will develop callous and possibly some roots. Placing them in the hole upside down puts the butt ends closest to the surface, so they can be warmed by the sun, creating favorable conditions for root development. Being upside down also discourages top growth. Leave them alone until about mid spring after the danger of frost has passed.

Over the winter the buds will begin to develop and will be quite tender when you dig them up. Frost could do considerable damage if you dig them and plant them out too early. That’s why it is best to leave them buried until the danger of frost has passed. 
Dig them up very carefully, so as not to damage them. Cut open the bundles and examine the butt ends. Hopefully, you will see some callous build up. Even if there is no callous, plant them out anyway. You don’t need a bed of sand or anything special when you plant the cuttings out. Just put them in a sunny location in your garden. Of course the area you chose should be well drained, with good rich topsoil. 
To plant the cuttings, just dig a very narrow trench, or using a spade, make a slice by prying open the ground. Place the cuttings in the trench with the butt ends down. Bury about one half of the cutting leaving a few buds above ground. Back fill around the cuttings with loose soil making sure there are no air pockets. Tamp them in lightly, then water thoroughly to eliminate any air pockets.
 Water them on a regular basis, but don’t make the soil so wet that they rot. Within a few weeks the cuttings will start to leaf out. Some will more than likely collapse because there are not enough roots to support the plant. The others will develop roots as they leaf out. By fall, the cuttings that survived should be pretty well rooted. You can transplant them once they are dormant, or you can wait until spring. If you wait until spring, make sure you transplant them before they break dormancy. 
There really is no exact science when it comes to rooting cuttings, so now I am going to present you with a variation of the above method.  This method still applies to hardwood cuttings of deciduous plants.  With this variation you do everything exactly the same as you do with the method you just learned, up to the point where you bury them for the winter. 
With method number two you don’t bury them at all. Instead, you plant the cuttings out as soon as you make them in the late fall, or anytime during the winter when the ground is not frozen. In other words, you just completely skip the step where you bury the cuttings underground for the winter. Plant them exactly the same way as described for method number one. As with all cuttings, treating them with a rooting compound prior to planting will help induce root growth. 
Hardwood cuttings work fairly well for most of the deciduous shrubs. However, they are not likely to work for some of the more refined varieties of deciduous ornamentals like Weeping Cherries or other ornamental trees.  Rooting cuttings of ornamental trees is possible, but only using softwood cutting techniques. 
Now let's discuss rooting cuttings of evergreens, using hardwood techniques.
Hardwood cuttings of evergreens are usually done after you have experienced two heavy frosts in the late fall, around mid November or so. However, I have obtained good results with some plants doing them as early as mid September, taking advantage of the warmth of the fall sun. When doing them is early, they need to be watered everyday. 
Try some cuttings early and if they do poorly, just do some more in November. Hardwood cuttings of many evergreens can be done at home in a simple frame filled with coarse sand.

To make such a frame, just make a square or rectangular frame using 2” by 6” boards. Nail the four corners together as if to make a large picture frame. This frame should sit on top of the ground in an area that is well drained. An area of partial shade is preferred. 
Once you have the frame constructed remove any weeds or grass inside the frame so this vegetation does not grow up through your propagation bed. Fill this frame with a very coarse grade of sand.  The sand used in swimming pool filters usually works.  Mason's sand is a little too fine.  If you have a sand and gravel yard in your area visit the site and inspect the sand piles.  Find a grade that is a little more coarse than masons sand.  But keep in mind that most any sand will work, so just pick one that you think is coarse enough.  If water runs through it easily, it's coarse enough.
Make sure you place your frame in area where the water can drain through the sand, and out of the frame.  In other words, don't select a soggy area for your cutting bed.  Standing water is sure to seriously hamper your results. 
Making the evergreen cuttings is easy. Just clip a cutting 4-5 inches in length from the parent plant. Make tip cuttings only. (Only one cutting from each branch.) Strip the needles or leaves from the bottom one half to two thirds of the cutting. Wounding evergreen cuttings isn’t usually necessary because removing the leaves or needles causes enough injury for callous build up and root development. 
Dip the butt ends of the cuttings in a powder or liquid rooting compound and stick them in the sand about 3/4” to 1” apart. Keep them watered throughout the fall until cool temperatures set in. If you have some warm dry days over the winter, make sure you water your cuttings.  Keep in mind that sand in a raised bed will dry out very quickly.  Don't worry about snow.  Snow covering your cuttings is just fine, it will actually keep them moist, and protect them from harsh winter winds.
Start watering again in the spring and throughout the summer. They don’t need a lot of water, but be careful not to let them dry out, and at the same time making sure they are not soaking wet. 
This method of rooting cuttings of evergreens actually works very well, but it does take some time. You should leave them in the frame for a period of twelve months. You can leave them longer if you like. Leaving them until the following spring would be just fine. They should develop more roots over the winter. 
Rooting cuttings of the following plants is very easy using this method.  variegated Euonymus varieties, Taxus, Juniper, Arborvitae, Japanese Holly, Boxwood, and English Holly. Rhododendrons and Azaleas prefer to have their bottoms warmed before they root.

Friday, February 10, 2012

Ergonomic Chairs Can Increase Productivity


If you spend all day, every day sitting at a desk, you may find yourself suffering from lower back pain later in life. As a human, we are designed to walk, run, squat and lie down; sitting is something of an unnatural position for us, which is why prolonged sitting can lead to back or posture problems. It is for this reason some furniture designers have been looking at chairs and seats in a new light in order to increase the comfort a chair provides and to decrease to problems they can cause, especially with so many people working in IT and therefore spending much more time sat in front of a computer.

As a result, a variety of ergonomic chairs have been introduced onto the market designed to improve the users posture, making their working day much more comfortable and reducing the potential effects of poor posture in later life. An ergonomic chair is designed to facilitate a better posture and to ease the tendency for one to slouch. Ergonomic chairs can be similar to a standard chair but with a highly engineered back rest which follows the natural curve of ones spine.

Alternatively, the ergonomic kneeling chair promotes a good posture by changing the way we sit. Instead of the seat being set horizontally at 90 degrees, the kneeling office chair sets the angle of the seat at around 70-80 degrees, with a cushioned knee rest which stops the user sliding off. This seating position puts the spine in a curvature much closer to its natural position, similar to that as if one were standing straight and therefore gives the user greater comfort if they don't get on too well with a standard office chair.

Ergonomic chairs of a variety of designs should be readily available in all offices with more than say fifteen or twenty members of staff. Be giving your staff the option of a standard office chair, a kneeing office chair or an ergonomic chair which properly supports ones spine is your duty of care towards your staff just as much as making sure there are fire alarms, fire extinguishers and fire escapes in place. By giving your employees a greater variety of chairs to use whilst working can also increase productivity and reduce staff sick-days, especially where back pain is a contributing factor. If they work harder and spend less time off sick, then investing in a variety of standardPsychology Articles, and ergonomic office chairs is money well spent.