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	<title>News Business Everday Life</title>
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	<description>best articles to help you in business</description>
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		<title>Some Reasons Your Company Should Be Interested with Google + for Business</title>
		<link>http://www.ahtnet.org/2012/02/some-reasons-your-company-should-be-interested-with-google-for-business/</link>
		<comments>http://www.ahtnet.org/2012/02/some-reasons-your-company-should-be-interested-with-google-for-business/#comments</comments>
		<pubDate>Thu, 16 Feb 2012 18:08:17 +0000</pubDate>
		<dc:creator>ahtnet</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.ahtnet.org/?p=93</guid>
		<description><![CDATA[If you haven&#8217;t yet looked into Google + for business and what the application can offer your company, you could be making a substantial mistake. Imagine if you could have begun developing a strong, unrivaled network in the early days of Facebook. There&#8217;s nothing stopping you from continuing to take advantage of established social networks, [...]]]></description>
			<content:encoded><![CDATA[<p>If you haven&#8217;t yet looked into Google + for business and what the application can offer your company, you could be making a substantial mistake. Imagine if you could have begun developing a strong, unrivaled network in the early days of Facebook. There&#8217;s nothing stopping you from continuing to take advantage of established social networks, but fortune will almost always favor those who get in on the ground floor. Failing to adapt is the move of the lazy businessman, and while progress may not always be seen as a good thing, it is nevertheless inevitable. Here are three reasons you should be interested in the search giant&#8217;s newest features.</p>
<p>Free to Try</p>
<p>If you&#8217;re just getting your company off the ground, you&#8217;re all too aware of how much startup costs can begin to pile up. That&#8217;s one of the great things about many aspects of social networking and online promotion: they are free! And if the labor and skill of keeping up with the various aspects of SEO are beyond your ability to handle, you can pay someone else to do it for a fraction of what it costs to advertise in traditional media. Sign up for a Google + for business account and take a chance, as there is no risk to you as a businessman.</p>
<p>A Broad Reach</p>
<p>Google + for business offers promotionally minded companies a way to send out articles, updates, and promotional items all at once, to everyone. Of course, you also have this option with email, Facebook, and Twitter, but this gives you yet another way to keep your name in the minds of your customers, something that will hopefully play a part in their decision making process next time they need to buy what you sell. You can spend a fortune to put a banner ad on a well trafficked website (or a billboard in the middle of the nearest metropolitan area) or you can build up a substantial social network for a fraction of the cost.</p>
<p>Target Your Demo</p>
<p>When established companies roll out a television advertising campaign, they often designate different commercials for different content. For instance, a McDonald&#8217;s ad played during a Saturday morning cartoon may look a lot different than the one they choose to run during a late night drama. When using Google + for business, you can do this kind of demographic strategy on a different level. Learn your circles<a href="http://www.articlesfactory.com/"><img src="http://www.articlesfactory.com/pic/x.gif" alt="Free Articles" border="0" /></a>, and divide them by whatever demo you choose. You can then send out updates and advertisements that best target your users.</p>
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		<title>When You Need Lawn Tractor Parts?</title>
		<link>http://www.ahtnet.org/2012/02/when-you-need-lawn-tractor-parts/</link>
		<comments>http://www.ahtnet.org/2012/02/when-you-need-lawn-tractor-parts/#comments</comments>
		<pubDate>Tue, 14 Feb 2012 17:52:00 +0000</pubDate>
		<dc:creator>ahtnet</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.ahtnet.org/?p=91</guid>
		<description><![CDATA[When reading this article you will find information on lawn tractors. Knowing the prices, different uses, and how to know how to use the tool&#8217;s safely, can help you make a more educated decision about which lawn tractor is better for you and want you want it to do for you. Are you in search [...]]]></description>
			<content:encoded><![CDATA[<p>When reading this article you will find information on lawn tractors. Knowing the prices, different uses, and how to know how to use the tool&#8217;s safely, can help you make a more educated decision about which lawn tractor is better for you and want you want it to do for you.</p>
<p>Are you in search of lawn tractor parts? Certain parts are replaceable. Replace them immediately when worn out. The product model can be found on your tractor. This article will tell you how. If you plan to buy online, verify the vendor’s integrity. Read this article for tips on finding tractor parts.</p>
<p>Lawn tractor parts are replaceable. When worn out, they must be replaced immediately to avoid serious damage to other parts especially the lawn tractor itself. In the previous years, people visited hardware stores to buy riding mower parts and all other devices. However today, you can do it online.</p>
<p>The internet contains thousands of sites selling almost anything imaginable-from products to services. Because of tough competition, you may find it confusing to choose which lawn mover part and price is ideal to your lawn mover. Parts like <a href="http://www.cabs-rops.com/products/rops/">tractor rops</a>, wheels tractor, or <a href="http://www.cabs-rops.com/products/new-dozer-rakes/">root rake for dozer</a>, or another additional parts should  original parts and inexpensive aftermarket element.</p>
<p>Equipments retailer might be the superlative spring of information concerning the purchasing or leasing of utensils for one’s farm. If one business select to buy equipments be recommend than one will have to permit for charge and probable delays due to equipments letdown. Second-hand equipments might be reasonably priced alternative. One should be responsive of that old apparatus might to meet the present government protection regulations and recommendation for oneself and their employers.</p>
<p>If you are looking for affordable tractor parts, it is not enough to just type in “cheap lawn tractor parts” on the search box. Although many sites will appear on the search engine result page or SERP, the search engines do not guarantee that the lawn tractor parts are of good quality, and ideal for your lawn tractor.</p>
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		<title>Being Prepared For Auditions</title>
		<link>http://www.ahtnet.org/2012/02/being-prepared-for-auditions/</link>
		<comments>http://www.ahtnet.org/2012/02/being-prepared-for-auditions/#comments</comments>
		<pubDate>Sun, 12 Feb 2012 20:35:51 +0000</pubDate>
		<dc:creator>ahtnet</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.ahtnet.org/?p=88</guid>
		<description><![CDATA[Auditions can be a nerve racking experience, which is why it is important to give yourself every possible chance to prepare so that you can walk in feeing relaxed and confident. Not only will you make a better impression on the panel, but you will free yourself up to perform with enjoyment and spontaneity. The [...]]]></description>
			<content:encoded><![CDATA[<div>
<p>Auditions can be a nerve racking experience, which is why it is important to give yourself every possible chance to prepare so that you can walk in feeing relaxed and confident. Not only will you make a better impression on the panel, but you will free yourself up to perform with enjoyment and spontaneity.</p>
<p>The first thing to ensure before an audition is exactly what you are required to prepare. Some auditions like to see rehearsed speeches. If this is the case find out what nature of speech they would like to see, whether classical or modern; comic or dramatic; whether you require an accent and so on. If they are fairly open about your choice of speech, be sure to choose something that relates to the part that you are auditioning for – that way they can get a clear vision of you in the role.</p>
<p>Often nowadays, actors are required to attend workshop auditions. The advantage of workshops is that you get a longer period to showcase your talent, anywhere from an hour to a full day. If you are attending a workshop audition be wary of trying to &#8216;get noticed&#8217;. If you concentrate your energy on trying to stand out from the crowd you may come across as arrogant. The key is to engage and perform with energy and confidence, without being overbearing or too loud.</p>
<p>If you are attending <a href="http://auditionart.com/">casting calls</a> for a film or television project you are more likely to read from a script during the audition. If you are given the script beforehand – learn it. You may still have your script with you in the casting, but the more time you can spend with your eyes lifted from the page the more they will see of you and the better your chance of success.</p>
<p>Get the latest news for auditions, <a href="http://auditionart.com/ShowBizVoices.aspx">movie casting calls</a>, tv casting calls and <a href="http://auditionart.com/Auditions.aspx">open casting calls nyc</a> with our up-to-date text service at Audition Now.</p>
</div>
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		<title>Unsecured Loans : What&#8217;s In it For You?</title>
		<link>http://www.ahtnet.org/2012/02/unsecured-loans-whats-in-it-for-you/</link>
		<comments>http://www.ahtnet.org/2012/02/unsecured-loans-whats-in-it-for-you/#comments</comments>
		<pubDate>Sun, 12 Feb 2012 09:32:21 +0000</pubDate>
		<dc:creator>ahtnet</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.ahtnet.org/?p=86</guid>
		<description><![CDATA[Ups and downs are a element of life. Monetary fixes are confronted by approximately everybody in their life. If, to get by up with them you demand some recurring source of money, you can do that with no trouble by pledging your home as collateral and taking cash in lieu of that. Life is without [...]]]></description>
			<content:encoded><![CDATA[<p>Ups and downs are a element of life. Monetary fixes are confronted by approximately everybody in their life. If, to get by up with them you demand some recurring source of money, you can do that with no trouble by pledging your home as collateral and taking cash in lieu of that.</p>
<p>Life is without a doubt full of uncertainties. When one becomes financially challenged, there is nowhere to go to but the financial or lending institutions that will help them resolve their fiscal discrepancies through loans. Others are wise enough to opt for the loans without security that lenders these days offer to borrowers.</p>
<p>If you are interested about making your loan application for the <a href="http://www.ezunsecured.com">unsecured loans</a>/loans without security, it would be best to first check out the differences among the various kinds of <a href="http://www.ezunsecured.com">business loans</a> including the fast loans or sms loans; the blanco loans with the real estate loans. Here are just a few blips to help you match one against the other and thereby determine the advantages and disadvantages of each type of loan:</p>
<p>Fast Loans/SMS Loans/Blanco Loans Vs. Real Estate Loans<br />
First of all; fast loans are loans that are very easy and so fast to obtain. All you will need to do is send your application and in just a matter of few days, you will already receive notification that your application has been approved and therefore, you may be able to check your borrowed money in your bank account.</p>
<p>No Collateral, No Bank Certificates Required<br />
What is more, there are no collaterals required for security reasons, no bank certificates and no other documents required for verification and assessment of fast loans. The best part of it is with fast or Blanco loans, you will be able to stretch or spread out your payment schedule for a few years. That way, paying for the loans you have made will not be as difficult as when you will need to pay given a shorter payment timeline.</p>
<p>Real Estate Loans<br />
While the fast loans may be very speedy in terms of getting approved and there is leniency regardless of whether you have bad credit score or not, it is exactly the opposite with the real estate loans. The real estate loans take a little more time to get approved just like the traditional loans. What&#8217;s more, you will also need to have a business partner who first and foremost, has a good credit standing and at the same time is interested to shell out his money and invest in real estate business.</p>
<p>Benefits Of Opting For The <a href="http://www.EZUnsecured.com">Unsecured Business Loans</a>/Loans Without Security<br />
Last but not least, if there is one benefit in using these unsecured loans , it would have to be that the borrower will not be at risk of losing the property he has purchased even if he is not able to pay the amount as scheduled. But then expect that there will be higher interest rates that will be levied on his account at such instance.</p>
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		<title>How to Clarify Job Responsibilities With Bosses</title>
		<link>http://www.ahtnet.org/2012/01/how-to-clarify-job-responsibilities-with-bosses/</link>
		<comments>http://www.ahtnet.org/2012/01/how-to-clarify-job-responsibilities-with-bosses/#comments</comments>
		<pubDate>Tue, 10 Jan 2012 00:53:45 +0000</pubDate>
		<dc:creator>ahtnet</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.ahtnet.org/?p=57</guid>
		<description><![CDATA[There are times when you need to discuss and clarify your job responsibilities with your boss. One situation that calls for such a discussion occurs when a new supervisor takes charge and you need to know what her expectations and priorities are. You might find yourself overloaded with work or you may not be sure [...]]]></description>
			<content:encoded><![CDATA[<p>There are times when you need to discuss and clarify your job responsibilities with your boss. One situation that calls for such a discussion occurs when a new supervisor takes charge and you need to know what her expectations and priorities are. You might find yourself overloaded with work or you may not be sure if a particular task is your responsibility. Another challenge might be a recent downsizing or expansion that creates a need to reorganize and reprioritize tasks.</p>
<p>Instructions</p>
<p>        1</p>
<p>        Ask to schedule a meeting with your boss for the purpose of clarifying your job responsibilities. Scheduling a meeting shows you respect your boss’s time. In addition, you will accomplish more because interruptions are less likely and your boss will be better able to focus on what you are saying.<br />
        2</p>
<p>        Prepare a written list of specific questions and problems. Keep the list short and focus on key areas that are of concern. An overly long list will involve too much detail. Worse, it may sound like you are simply complaining. Bring the list and a notebook with you to the meeting so you are prepared to present your concerns and take notes.<br />
        3</p>
<p>        Begin the meeting by stating specific reasons for asking for clarification of your job responsibilities. For example, the reason might be that a recent expansion and the addition of new personnel are leading to reassignment of tasks and you want to understand how the changes affect your duties. If you have identified a specific problem, such as confusion as to who is supposed to perform a specific task, be prepared to offer possible solutions. Be courteous and professional at all times.<br />
        4</p>
<p>        Ask your boss to explain his expectations and priorities. This is especially important with a new boss who is likely to have a different vision of what is important. Take notes. Ask questions, and repeat what your boss says in your own words to be certain you understand what he means.<br />
        5</p>
<p>        Offer realistic feedback. For example, your boss might say she wants to see faster turnaround in some area. If you know this goal will require additional resources, say so. Don’t promise something you might not be able to deliver.<br />
        6</p>
<p>        Ask to follow up on the issues you and your boss have discussed. It may not be appropriate to request another scheduled meeting right away. Rather, you should let your boss know you want to follow up if you have any further questions about your job responsibilities.</p>
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		<title>How to Make a Business Logo Attracting Teens</title>
		<link>http://www.ahtnet.org/2012/01/how-to-make-a-business-logo-attracting-teens/</link>
		<comments>http://www.ahtnet.org/2012/01/how-to-make-a-business-logo-attracting-teens/#comments</comments>
		<pubDate>Mon, 09 Jan 2012 01:00:30 +0000</pubDate>
		<dc:creator>ahtnet</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.ahtnet.org/?p=60</guid>
		<description><![CDATA[Today&#8217;s teens are bombarded with endless visual stimuli via the Internet, smartphones, television advertising and printed media. This has made the world marketplace extremely competitive, and it can be difficult for a budding business to attract the teen demographic with so many established, recognizable brands already clamoring for attention. A vital part of any successful [...]]]></description>
			<content:encoded><![CDATA[<p>Today&#8217;s teens are bombarded with endless visual stimuli via the Internet, smartphones, television advertising and printed media. This has made the world marketplace extremely competitive, and it can be difficult for a budding business to attract the teen demographic with so many established, recognizable brands already clamoring for attention. A vital part of any successful brand is its logo, as it is representative of the business as a whole, including its products, employees and philosophy.<br />
Instructions<br />
Things You&#8217;ll Need</p>
<p>    Illustrating software</p>
<p>        1</p>
<p>        Aim for simplicity. While flipping through a magazine or browsing the Web, the average teen consumer will look right past a cluttered, messy logo or one that takes too long to decipher. Look to companies with strong favor in the teen demographic &#8212; such as clothing stores, electronics companies and food franchises &#8212; for inspiration.<br />
        2</p>
<p>        Make use of color, line and font. Select a color palette that is eye-catching without being overwhelming. When deciding on the shape of the logo, consider either geometric shapes or gentle, organic curves &#8212; mixing the two often results in a visual clash that will repel viewers. Your font should be simple, easy-to-read and unique. Avoid complex cursive and childlike comic script fonts.<br />
        3</p>
<p>        Create compatibility between your logo and your products or services. While the logo&#8217;s main task is to look nice and attract teenage consumers, it should also allude to what type of business you are. For example, the logo of a high-end ink pen manufacturer might be a silhouetted fountain pen. Though eye candy is an important consideration when marketing to teens, the logo should also reflect the business it represents.<br />
        4</p>
<p>        Keep versatility in mind. While designing your logo, envision how it will look on the Web, printed on shirts and in magazine ads, or even enlarged and plastered on a billboard. An effective logo can be printed, pasted or embedded anywhere and yield instant recognition amongst consumers.<br />
        5</p>
<p>        Get teens involved in the design process. One of the best ways to attract the attention of the teen demographic is by giving them a role in the design of a logo. Ask for submissions from young artists and designers, then select a winning logo from the batch. This will help grow your image as a teen-friendly business in addition to providing a wealth of alternative logo concepts.</p>
<p>Tips &#038; Warnings</p>
<p>    Ask for input from teens while working on the logo and make any necessary adjustments. Critical feedback during the design process can save you time and money in the long run.</p>
<p>    Never plagiarize another business&#8217;s logo for your own profit. Doing so may result in serious legal consequences.</p>
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		<title>10 Things You Must Know Before You Start Your First Hive</title>
		<link>http://www.ahtnet.org/2012/01/10-things-you-must-know-before-you-start-your-first-hive/</link>
		<comments>http://www.ahtnet.org/2012/01/10-things-you-must-know-before-you-start-your-first-hive/#comments</comments>
		<pubDate>Sun, 08 Jan 2012 01:01:43 +0000</pubDate>
		<dc:creator>ahtnet</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.ahtnet.org/?p=61</guid>
		<description><![CDATA[If you enjoy spending time in your backyard, but you&#8217;re looking for something more interactive than just gardening, consider starting your own beehive. Honeybees tend to be gentle bees, but that doesn&#8217;t mean you should go into beekeeping blind and unprotected. Familiarize yourself with the correct hive materials and protective gear before your start your [...]]]></description>
			<content:encoded><![CDATA[<p>If you enjoy spending time in your backyard, but you&#8217;re looking for something more interactive than just gardening, consider starting your own beehive. Honeybees tend to be gentle bees, but that doesn&#8217;t mean you should go into beekeeping blind and unprotected. Familiarize yourself with the correct hive materials and protective gear before your start your first backyard hive.</p>
<p>    Zoning Laws</p>
<p>        Before you build your beehive, check with your local government and the office of zoning for laws about having beehives in your backyard. Many towns have restrictions on the types of pets you can keep, and some may have ordinances about how close a backyard hive can be to your house and houses around you.<br />
    Get Your Neighbors&#8217; Blessings</p>
<p>        A beehive might be unobtrusive in your backyard, but your neighbors might not see it the same way. Be courteous and ask the neighbors on each side of your house if they have any objections to your backyard beehive; you never know who might have a serious allergic reaction to bee stings.<br />
    Talk with Your Family or Housemates</p>
<p>        If you share your home and backyard with others, talk with them about the rules of the hive. Determine who will take care of the bees and collect the honey. If someone isn&#8217;t comfortable taking part, he doesn&#8217;t have to. All people working with the hive should study the methods of beekeeping to ensure maximum safety and efficiency.<br />
    Get Tested</p>
<p>        Ask your doctor to perform an allergy test on anyone who will be near your backyard beehives. Don&#8217;t be caught by surprise by an extreme allergic reaction if you&#8217;re stung while taking care of your bees.<br />
    Scope Out Your Backyard</p>
<p>        Scout your backyard for the best place for beekeeping. Keep your hive about 18 inches off the ground so animals are less likely to harm it; this will also keep the stress off your back since you won&#8217;t have to bend over as much. The ground should be level, so the hive doesn&#8217;t fall over. Place mulch, gravel or old carpet under your hive stand to stop mud from taking over.<br />
    Learn About Hives</p>
<p>        Honeybees naturally form hives when they find open cavities of about 2 to 3 cubic feet. Build your hive with natural hives in mind: honey at the top, pollen and brood nest in the middle and the brood at the bottom.<br />
    Bee Boxes</p>
<p>        Find a good, sturdy box to give your bees a home. Your bees will live on vertical, hanging framed beeswax sheets, so get a box that will allow for this. A groove at the top will hold the frames in place. Some boxes hold up to 10 frames, others just eight. Choose how many frames you want, but take into consideration how heavy they will be. Don&#8217;t overexert yourself; the heaviest boxes can weigh up to 90 pounds when they are full of honey.<br />
    Choose Your Frames</p>
<p>        Deeps, mediums and shallows are the names for the different size boxes and their corresponding frames. Deeps are 9.5 inches tall, mediums are 6.5 inches tall and shallows are 5 7/8 inches tall. Choose your frames by how much honey you want to produce, and how much you are willing to work with.<br />
    Suit Up</p>
<p>        Protect yourself. A hat and a veil will protect you from stray bees getting tangled in your hair. Wear a full bee suit &#8212; jacket, pants, boots, gloves and veiled hat &#8212; until you are comfortable working with bees. For heavy-duty hive work, a full suit is always recommended. If you&#8217;re just checking your hive, you might get by with only the veiled hat. Wear whatever you&#8217;re comfortable with.<br />
    Choose Your Bees</p>
<p>        Three types of bees are readily available and good for beginners. Italians are gentle, productive and easy to manage, and they are the most available type of bee. Carniolan bees are good for places with harsh winters, as they withstand the cold weather well. Carniolans are gentle but demanding of management. Russians are docile, but can be erratic. Russian bees are slow to start but build fast once they do.</p>
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		<title>How to Merge Two Small Businesses</title>
		<link>http://www.ahtnet.org/2012/01/how-to-merge-two-small-businesses/</link>
		<comments>http://www.ahtnet.org/2012/01/how-to-merge-two-small-businesses/#comments</comments>
		<pubDate>Sat, 07 Jan 2012 01:04:58 +0000</pubDate>
		<dc:creator>ahtnet</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.ahtnet.org/?p=63</guid>
		<description><![CDATA[A merger combines two separate companies into one new business. Mergers can be lucrative, especially for small businesses that are struggling to survive, as they can use it as a growth strategy. With proper planning for the transition, mergers can be a positive move for small businesses, particularly the vertical merger. The challenge is to [...]]]></description>
			<content:encoded><![CDATA[<p>A merger combines two separate companies into one new business. Mergers can be lucrative, especially for small businesses that are struggling to survive, as they can use it as a growth strategy. With proper planning for the transition, mergers can be a positive move for small businesses, particularly the vertical merger. The challenge is to blend cultures effectively and ensure that the joint venture is compatible.</p>
<p>Instructions<br />
Things You&#8217;ll Need</p>
<p>    Cash<br />
    Financial statements</p>
<p>        1</p>
<p>        Plan ahead to determine the best avenue to take that will facilitate the merging of organizational cultures that will avoid “collision.” You may need to have the businesses operate as separate entities at first or have one absorb the other. In the latter, you must give careful thought to the integration of cultures. While the focus is on financial gain, you must maintain and possibly boost staff morale. Integrate teams that include members from both entities so that they understand they are one entity with one goal.<br />
        2</p>
<p>        Consult a merger intermediary, like a business broker who handles mergers of small businesses. They charge a percentage of the cost price for their services, which includes valuation, terms for sale and a follow up on all required legal procedures.<br />
        3</p>
<p>        Negotiate beforehand who will stay and who will go. You do not need to duplicate duties. Agree on who will be in charge of what tasks so that you avoid conflicts. While each owner reigned supreme in his company, both cannot enjoy the same function in the newly created company.<br />
        4</p>
<p>        Determine your new company’s name and check the baggage that you will inherit, such as the debts, employment contracts and obligations of the other company.<br />
        5</p>
<p>        Decide which policies of both companies are best and retain them. Avoid keeping only your original company&#8217;s policies and do not destroy policies of the other company that are vital to achieving goals.<br />
        6</p>
<p>        Employ the services of an attorney to manage your merger closing processes. The closing of the sale is similar to that of buying a house. Your attorney will oversee the legal and financial aspects of the agreement. There are technical issues that can have an impact on the taxation of the transaction and create unnecessary costs. Although these services come with a price, avoiding unnecessary cost can make the services well worth the price.</p>
<p>Tips &#038; Warnings</p>
<p>    The implementation of a merger is not without teething pains, but these can be minimal if both parties take the time to discuss and agree on the way forward before signing a deal. Failure to do so can undermine the success of the merged businesses.</p>
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		<title>What Is Insurance Auditing?</title>
		<link>http://www.ahtnet.org/2012/01/what-is-insurance-auditing/</link>
		<comments>http://www.ahtnet.org/2012/01/what-is-insurance-auditing/#comments</comments>
		<pubDate>Fri, 06 Jan 2012 01:08:17 +0000</pubDate>
		<dc:creator>ahtnet</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.ahtnet.org/?p=65</guid>
		<description><![CDATA[When your business takes out a commercial insurance policy for items like worker&#8217;s compensation, liability or an umbrella policy, the insurance company estimates your premiums. The company bases these estimates on facts about your business and the average premiums of similar businesses in your field. But the only way to determine your actual premium is [...]]]></description>
			<content:encoded><![CDATA[<p>When your business takes out a commercial insurance policy for items like worker&#8217;s compensation, liability or an umbrella policy, the insurance company estimates your premiums. The company bases these estimates on facts about your business and the average premiums of similar businesses in your field. But the only way to determine your actual premium is to audit your business after the policy term is over to look at your actual usage of the policy. Then, the company adjusts the premium up or down and either assesses an additional charge or issues a refund.</p>
<p>    Audit Considerations</p>
<p>        Depending on the type of policy you purchased, the insurance auditor will look at written records of your business during the year. If the policy is for worker&#8217;s compensation insurance, the auditor will look at your payroll records, as well as records of workplace accidents or injuries. For liability policies, the auditor may look at the types of jobs you did, reports of any accidents, and whether or not you employed outside contractors for work during the year.<br />
    Types of Audits</p>
<p>        Insurance audits may be in-person, on-site audits at your place of visits, paper audits or audits conducted by telephone. Some companies will alternate, performing an in-person audit every other year and paper audits during the years in between. For a paper or telephone audit, the auditor will ask you to send copies of certain documents to his office for review. You may also be asked to complete an audit questionnaire, or the auditor will ask you questions over the phone. For an in-person audit the auditor will come to your place of visit and view documents and ask questions in person.<br />
    Preparing For the Audit</p>
<p>        The insurance auditor will provide you with a list of paperwork she needs to see. This may include payroll records, copies of the insurance carried by any contractors you used, accident reports, employee records and financial statements from your business. The request will specify the period of time the auditor will be reviewing. Having these records ready when the auditor comes to your business will speed up the auditing process and ensure the auditor makes an accurate report.<br />
    After the Audit</p>
<p>        After the audit, the auditor will issue a report and the insurance company will adjust your premium up or down. You have the right to review the report and to question any premium adjustment. The agent will explain to you why the adjustment was made and you may appeal the decision if you can provide evidence that backs up your claim that an adjustment was incorrect. For instance, if you can show the auditor filled in the incorrect number of employees or wrote down the wrong figures for hours worked or showed you didn&#8217;t have copies of insurance policies for sub-contractors when you did have these copies, you can make an appeal.</p>
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		<title>Turning Over Assets and Profit Margin</title>
		<link>http://www.ahtnet.org/2012/01/turning-over-assets-and-profit-margin/</link>
		<comments>http://www.ahtnet.org/2012/01/turning-over-assets-and-profit-margin/#comments</comments>
		<pubDate>Thu, 05 Jan 2012 01:10:22 +0000</pubDate>
		<dc:creator>ahtnet</dc:creator>
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		<guid isPermaLink="false">http://www.ahtnet.org/?p=67</guid>
		<description><![CDATA[Analyzing a company&#8217;s financial condition often boils down to looking at two factors: productivity and profitability. Productivity tells you how efficiently a company generates revenue, while profitability tells you how much of that revenue the company gets to keep. Investors and financial analysts gauge productivity and profitability with two simple and closely related ratios: asset [...]]]></description>
			<content:encoded><![CDATA[<p>Analyzing a company&#8217;s financial condition often boils down to looking at two factors: productivity and profitability. Productivity tells you how efficiently a company generates revenue, while profitability tells you how much of that revenue the company gets to keep. Investors and financial analysts gauge productivity and profitability with two simple and closely related ratios: asset turnover and profit margin.</p>
<p>    Asset Turnover</p>
<p>        Whatever line of business a company is in, its basic business strategy will be the same: Use its assets to generate revenue. The more revenue it gets out of each dollar&#8217;s worth of assets &#8212; the more it &#8220;turns over its assets,&#8221; in business-speak &#8212; the more efficient the company is. Analysts and investors measure this efficiency with the asset turnover ratio. To compute it, take the company&#8217;s sales revenue for a year and divide it by the average combined value of all its assets. For example, if a company had $40 million in sales and an average of $25 million in assets, its asset turnover is 40/25, or 1.6 &#8212; that is, $1.60 in sales revenue for every $1 in assets.<br />
    Profit Margin</p>
<p>        One of the most widely known and referenced financial ratios, profit margin reveals how much of a company&#8217;s revenue becomes profit. The figure a company reports as &#8220;sales revenue&#8221; is merely the gross amount of money it gets from its customers. Its net income &#8212; another term for profit &#8212; is what is left of that revenue after the company has accounted for its expenses, including taxes. To calculate profit margin, take the company&#8217;s net income and divide it by its sales revenue. If a company had $10 million in net income on $40 million in sales, its profit margin would be 10/40 &#8212; or 25 percent.<br />
    Relationship</p>
<p>        Asset turnover and profit margin tend to go hand in hand. Companies that operate with low profit margins need high asset turnover. Since they realize a relatively small percentage of profit with each sale, they have to do a large volume of business to turn a healthy profit in dollar terms. Grocery stores are a classic example of this. On the other hand, companies with a high profit margin may be able to get by with a lower asset turnover.<br />
    Return on Assets</p>
<p>        Profit margin and asset turnover are so closely linked that you can combine them to produce a third commonly used financial ratio, &#8220;return on assets.&#8221; This ratio reveals how much profit the company generated for each dollar&#8217;s worth of assets. When you multiply asset turnover (sales/assets) by (net income/sales), the sales figures cancel out, and you&#8217;re left with net income/assets, which happens to be the formula for return on assets. So a company with $25 million in assets, $40 million in sales, and $10 million in net income has a return on assets of 10/25, or 0.4 &#8212; that is, 40 cents of profit for every $1 in assets. Note that this is the same figure you would get if you&#8217;d multiplied asset turnover (1.6) by profit margin (25 percent).<br />
    Getting the Figures</p>
<p>        All the numbers used to calculate these ratios can be found in a company&#8217;s annual financial statements. Sales revenue will generally be the top line of the income statement. Net income is usually the bottom line of the income statement. Total assets can be found on the balance sheet. To determine the average total assets for a year, add together the asset totals from the beginning of the year and the end of the year, and then divide by two.</p>
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