..FAINT..

 
 

With a challenging economy, tight credit for small-business projects and some clients who are cautious about spending money on travel, many home-based agencies are tightening their belts. Here are 12 top tips for slashing home-business expenses.
• Corral Your Team: If you have employees working in your home or if you have affiliates working for you in their homes, form a team to identify cost-cutting ideas, suggests Michelle Fee, CEO, Cruise Planners, Coral Springs, FL. “Hey, let’s face it…if you can save your company a few bucks, it might save your job,” says Fee. “It’s a time when your team has to become ‘a team.’” If you’re a solo employee, ask your family, trusted (non-competing) business colleagues or friends to be your team and think of creative ideas.
• Check the Thermostat: Adjust the temperature on your air conditioning/heating system up one or two degrees in summer, and down one or two degrees in winter. According to Southern California Edison, if you typically set your air-conditioning system at 72 degrees, for every degree you hike that temperature, you’ll save 3 percent on the cooling portion of your electric bill.
• Save Gasoline: Combine business car trips around town to save gasoline. If you need to make a trip to the printer’s office, visit the bank, or drop off client documents, arrange your schedule to drive out once per day, not more. And ask yourself if you can complete the same task online or over the phone.
• Use Cheap or Free Marketing Tools: “One of the best ways to cut expenses is to utilize cost-effective marketing tools,” says Andi McClure-Mysza, president of Montrose Travel’s hosting division, MTravel (www.montrosetravel.com and www.mtravel.com), Montrose, CA.
Investigate host-provided e-mail marketing programs and customizable supplier marketing tools, often at little or no cost. “The name of the game is to remain top-of-mind with your customers, but it doesn’t have to be expensive,” stresses McClure-Mysza. “If you’re spending too much on marketing, you should reevaluate your efforts and align yourself with a host offering the tools you need.” She also says many hosts offer reduced-rate, professionally designed direct-mail programs via their consortium.
• Co-Market: Consider co-marketing with appropriate, non-competitive businesses. Partner with a local day spa or restaurant to split the printing and mailing costs of a direct-mail piece. Keep promoting, but slash your costs in half.
• Review P&L Statements: “Check every line on your profit-and-loss statement,” says Fee. “It could be that you’re spending too much money on outlays like office supplies or staff lunches.” Do you need 10 boxes of felt-tipped pens or just two or three? Are you buying brand-name products or the more affordable store brands? Partner with other local businesses to buy in bulk for a lower unit price on necessities like paper or printer supplies.
• Cut Fees: Pay bills on time to avoid those onerous late fees. If you have an unexpected bank overdraft fee and haven’t had a slew of overdrafts in the recent past, ask your bank branch manager if he or she would waive the fee this one time. Also, pay bills online whenever possible to generally avoid $8-$20 phone payment fees; if you talk to a “live” person when paying a bill by phone, ask if they’ll waive the fee on a one-time basis.
• Barter for Services: Barter or trade with other local businesses for products or services. For example, secure a free limo ride to the airport in exchange for an ad on your website. Be sure to inform your accountant, though, as there are tax implications. Barter resources include www.irta.com and www.barternews.com.
• Lower Credit Card Interest: Talk with your business credit card provider about lowering your interest rate. Many banks are willing to deal. If your business is really struggling, ask whether the bank has a hardship program; you might be able to pay back an existing loan or credit card with lower payments, a lower interest rate or both. Not all financial firms will do this, but many will. Make the initiative.
• Buy Used Not New: Avoid unnecessary purchases. If you must buy a piece of office equipment or furniture, consider buying “used” not new. Check out local consignment or pawn shops. Peruse yard sales. Search the classified section of your local newspaper. And, if you have unused office equipment that’s gathering dust, sell it to generate extra cash and fund new purchases.
• Evaluate Phone Services: Talk to phone companies about any benefits that may result from new or alternative plans for both cell and land lines. If you’re not using your full allotment of minutes each month and overpaying, consider a lower usage plan. If you’re using too many minutes and paying overages, adjust to a more robust or flat-charge plan. But evaluate carefully and ask if any changes will extend your contract. Some firms may tack on two more years for any changes.
• Evaluate Joining a Host Agency: If you’re not associated with a reputable, full-service host agency, evaluate all costs that can be eliminated by joining forces rather than going solo. “Most agents find that the costs to join a host are more than offset by the ability to drop annual
or fixed-cost business expenses,” says McClure-Mysza.
Finally, write down every business purchase. At week’s end, review your track record. Repeat on subsequent weeks. What opportunities exist for further cost cuts? If keeping expenses in check is top-of-mind, you’ll likely find beneficial results to the bottom line. Following all of these steps could lead to a better business.

Today we will be looking into the functions of the instant messaging software made by Microsoft corporation,
the MSN live messenger,
In this session we will be focusing on how to change the display name and the user's personal message
When the messenger is lunched,
this will be the initial screen available to you
enter your email and password to log into msn
Once logged in,
this is the main messenger window.
At the top is the user's display name,
below that is the user's personal message currently in use
To change the display name and personal message,
we can use either one of the two method i'm about to show you.
First method,
Select personal from the side tab.
At the first field enter the display name you want  others to see,
Below that enter the personal message
after you are finished select ok to save your changes
Second method,
is changing the name and user message from the main window
Click on the arrow beside the current user name to bring out a drop down menu
At the bottem of the menu we see options again,
go into options an repeat the process mentioned before.
To change the user's personal message simply click on the current user's personal message,
By doing so this allows changes to the message to be made.

Today I am going to talk to you about the instant messaging software called MSN live messenger, it is created by Microsoft.
I will be focusing on how to change the display name and user’s personal message.
Once you start the program, This is the first screen you will see
This is the login screen where you have to enter a email address which you have registered for use as a windows live id and a password
This is the main screen after you log in. you can see, at the top is the user’s display name and below that is the user’s personal message currently in use.
This is the main screen after you log in. you can see, at the top is the user’s display name and below that is the user’s personal message currently in use.
This is the main screen after you log in. you can see, at the top is the user’s display name and below that is the user’s personal message currently in use.
There are two methods of changing the display name.
Now the first method is through the menu, go to the top right corner to bring out the menu bar, go to tools, then select options
At the side tab select personal. This is the screen you will see. At the first field enter the display name you want others to see
Below that you can enter the personal message.
After you are finished click ok to save the changes.
Now the second method, click on the arrow beside the user name to bring out a drop down menu, this has the options of changing the status, and below those are a selection of short cuts,
Again we can see options, go into options

防曬商品的危險成分


2007/11/06 19:53

洗面乳成分優缺


2007/11/15 17:52

選擇最適合自已的保溼產品 (II)


2007/11/20 21:43
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年齡/膚齡

膚質

保溼需求

建議活性成分/建議保養搭配

~18

油/痘性

中/乾性

立即

立即+修補

立即:Propylene glycol, Glycerin, PEG400, Sorbitol, xytiol, Butylene glycol

修補:各種植物油

18-25

油/痘性

中/乾性

立即

立即+修補

立即:NMF, PCA-Na, Amino acid (Arginine, Serine, Proline, Glycine, Lysine, Alanine)

修補: 各種植物油與不飽和脂肪酸

25-32

油/痘性

 

中/乾性

立即

 

立即+修補+活膚

立即: Hydrolyzed collagen, Trimethyl glycine, Hyaluronic acid, Polysacchorides

修補: Cholesterol, Phospholipid與不飽合脂肪酸

 

活膚:各類抗氧化物質、複方胺基酸、微量元素、維他命群

32-45

中/痘性

 

中/乾性

立即+活膚

 

立即+修補+活膚

立即: Hydrolyzed collagen, Trimethyl glycine, Hyaluronic acid, Polysacchorides，D- Panthenol

 

修補: Ceramide, Cholesterol, Phospholipid, Lecithin

 

活膚:各類抗氧化物質、複方胺基酸、微量元素、維他命群、酵母、果酸

45~

油/痘性

 

中/乾性

立即+修補+活膚

 

立即+修補+活膚

立即: Hydrolyzed collagen, Trimethyl glycine, Hyaluronic acid, Polysacchorides，D- Panthenol

 

修補: Ceramide, Cholesterol, Phospholipid, Lecithin

活膚: 各類抗氧化物質、複方胺基酸、微量元素、維他命群、細胞激活素(海澡生長因子、表皮生長因子、多月生月太 類等)

選擇最適合自已的保溼產品 (I)


2007/11/20 17:35

清潔(洗臉)的藝術


2008/01/27 21:26

男生專屬保養品


2008/03/24 19:29