Asset Inventory - Small Businesses Need This Information

All business owners face the possibility of a fire, tornado, theft or other disaster. One of these occurrences could destroy everything you worked so hard to create. When this happens, a personal property or asset - inventory

will provide detailed documentation of the contents of your business and ease the claim process. Youll recover faster and usually with a higher settlement.

You most likely have a depreciation schedule. But consider that the rule of thumb by most CFOs and CPAs is to expense items valued at less than $500. How many items are owned by your company that have a price tag of

under $500 and are never entered on a depreciation schedule?

In addition to listing the contents, item by item, youll also be asked by the insurance company to include the purchase date and cost. Having a document to refer to when required to complete a claim will make the process less

stressful. It will also help you get back to doing business in a much shorter timeframe.

Though disaster recovery is the main purpose for a personal property inventory, there are many other reasons to have a thorough listing and photographs of your belongings.

MOVING So youve outgrown the building you started in! Or you have been leasing and purchased a building. When packing, youll have to unplug all the electronics and appliances. This is the perfect time to record model

and serial numbers while you create your inventory.

Most likely, youre moving locally, so its best to create the list as you unpack. This will allow you to identify the location where each item is being placed.

STORAGE Small businesses sometimes outgrow their building, but choose not to move. Therefore, if you have off-site storage, create an inventory of everything that is located elsewhere.

DISSOLUTION OF A PARTNERSHIP OR SELLING A BUSINESS How do you know the value of your business without a complete, detailed list of all of your assets? Lets say you have 10 tables, each costing $80. Thats $800,

and most likely not on your depreciation schedule or any other document, for that matter. How many chairs, desks, lamps, etc., are owned by the business? To ensure that you are receiving a fair and equitable price for your

business, compile an extremely detailed list of all of your assets.

PURCHASING A BUSINESS A woman had recently purchased a restaurant. When asked if she had an inventory of its contents, her response was, "No, I have no clue what came with the restaurant; I trust my business broker."

If you dont know how many tables, chairs, computers, printers, and specific industry items (in this case, pots, pans, etc.) you have, how will you know if you paid a fair price? An itemized inventory of the contents is a document

you should require.

Most small-to-medium sized business owners agree it is important, but few have this documentation. Reasons cited are that they and their employees are too busy, it takes too long, they dont know how, or realize they will not

keep it up to date if they do create one.

If you are in one of these categories, seek the assistance of a professional to provide the service for you. Verify they are bonded and insured. In addition to the inventory service, the provider should also include secure back

-up of your records and have a process in place to update your records annually. Without the updates, the report will be outdated very quickly.
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Whiplash

What is Whiplash? Whiplash is the term used to describe the injury that occurrs to your neck, usually following a car accident. It is commonly mispelt as whip lash. It is a soft tissue injury to the muscles in your neck and results

in neck ache, headaches and often dizziness.

How Does The Whiplash Injury Happen? A whiplash injury usually occurs when someone is stationary in their car and another car drives into the rear of it. As the body of the person is connected to the seat it immediately

starts to move forward from the force of the impact. However, because the head is usually free from the seat it stays in the same position until the head rest connects with it. It then moves forward later than the rest of the

body. The body is then restrained by the seatbelt but the head, not connected to the seatbelt, continues to move forward and only starts to come back when the body is being pulled back by the seatbelt. The neck muscles

are overstretched and it is this stretching that causes whiplash.

What Should You Do If You Have Suffered Whiplash? If you are in pain from whiplash you should visit your doctor or local casualty department. They will assess the severity of the injury and decide whether to provide you with

a neck brace. Frequently these days it is decided that light exercise is better than complete rest (as with most soft tissue injuries) so it is rare that a neck brace is provided. You can self treat whiplash by applying an ice pack

to the injured area. Painkillers are often used to alleviate the pain.

Long Term Whiplash Injury? Frequently whiplash pain is short lived. Most victims will make a full recovery within a few months. It is rare but some people will suffer longterm whiplash pain due to sever extension of the neck

muscles during the impact.

What Action Can Be Taken? If another driver has caused the injury a claim can be made for compensation for the pain and suffering experienced. In almost all cases the claim will be free to make and the person claiming

should receive all of their compensation. In addition to the compensation for the whiplash injury, the claimant will also be able to claim for the damage to their vehicle and any other expenses (including any lost earnings). Their

no claims bonus should not be effected.

Water Parks: Recreational or Dangerous

Amusement and water parks are two of the favorite places people love to visit because it was intended for fun and recreation, especially for the children. Beautiful moments are being shared by families here.

However, most people become less aware of their surroundings when they are in recreational areas like water parks. They sometimes forget the fact that accidents happen everywhere, even in theme parks.

Water park accidents are rising as more and more of these recreational areas are increasing in numbers. Water park injuries are common in these accidents and sometimes, it may result in death.

Water park injuries are common in accidents in theme parks. Some of them are just mild injuries such as bruises but others are considered grave like paralysis, and sometimes, even death.

Here are some examples of water park injuries:

Scrapes and bruises

Severance of the spinal cord

Douche injury - vaginal injury that may result from the forceful entry of water into the vagina

Paraplegia - loss of sensation and movement in both legs

Fractures

Quadriplegia - loss of sensation and movement in all four limbs

Paralysis - loss of ability to move all or part of the body

Head injuries

Amputations - removal of all or part of a limb

Water park injuries result from accidents in recreational areas. Some of these accidents are unavoidable but some can be prevented. The following are water park accidents that can or cannot be prevented:

Drowning accidents

2 types of drowning:

Active - the person is aware of the situation and is fighting for his/her life

Passive - the person disappears with no fight

Entrapment between rides

Loading and unloading accidents

Food poisoning

Crashes and abrupt stopping

Falls from water rides

Tubes flipping over

Slip and fall

Collision of two or more rides

Trip and fall Heart failures in rides

Diving accidents

Various causes of water park accidents that result in injuries:

Unsafe entry or exit from rides

Wet surfaces on water parks

Malfunctioning of rides

Extreme stress from water rides

uneven pavements at pool sides

Defective rides and other attractions

Improper regulation of Chlorine in the water

Improper maintenance

Inexperienced or untrained ride operators

Hazardous park grounds

Here is a list of California water parks where injuries are common:

Six Flags Waterworld

The Rapids Waterslide

Raging Waters

Crocodile Dundees

Antioch Water Park

Six Flags Hurricane Harbor

Boomerang Bay

Mustang Water Slides

Soak City U.S.A.

Wild Water Adventures

The Island Waterpark Even if water park accidents are rampant nowadays, there is no official database for these cases. There are no specific laws concerning the operations of recreational parks.

Therefore, if anyone is involved in accidents like these, the best thing to do is to seek help from Los Angeles water park injury lawyers. They will help in recovering damages incurred from these accidents. The capabilities of a

lawyer can bring positive results.

Create an Auction which offers the whole package

You then create an auction which offers the whole package for 99 cents or pence. With many other products on eBay you have to keep an inventory, package, post, and sometimes replace items but with Ebay Auction Income

Streams you can avoid all that. " Other Information: Can be bought with other ebook "How to turn Auction Traffic Cash" as a discounted, package deal.

The objective here is to create a package of items which are related to your affiliate products, and which you auction at 99 cents or 99 pence. His boss, a small business owner, bought the package at a charity auction and

gave it to him as a thank-you for his hard work over the past year.

The possible problem here lies in the fact that some auction or payment sites (and Pay pal is one of them) will not offer protection on your package unless it is sent to the address on file. 99 per month)This package includes

the following program channels, plus your local channels: ABC Family, Americas Collectibles Network, Angel One, Arts & Entertainment (A&E), Auction TV, Beauty & Fashion Channel, Bingo TV, BYUTV, Cable News Network

(CNN), Cartoon Network, Catalog TV, Classic Arts Showcase, CNBC, Colors TV, Comedy Central, Country Music Television, Court TV, C-SPAN, C-SPAN2, Daystar, Discovery Channel, The Disney Channel (East), Disney

Channel (West), E. I use a software package call Auction Wizard 2000.

With many other products on eBay you have to keep an inventory, package, post, and sometimes replace items but with Ebay Auction Income Streams you can avoid all that. His boss, a small business owner, bought the

package at a charity auction and gave it to him as a thank-you for his hard work over the past year.

In addition, you will be able to easily duplicate the bid package if you would like to run similar reverse auction events in the future. The objective here is to create a package of items which are related to your affiliate products,

and which you auction at 99 cents or 99 pence. You then create an auction which offers the whole package for 99 cents or pence.

With Ebay Auction Income Streams you can avoid all that. His boss, a small business owner, bought the package at a charity auction and gave it to him as a thank-you for his hard work over the past year. " Other Information:

Can be bought with other e-books.

How to Change Your Own Engine Oil

Most of us know that when the car beeps, it is time to get gas, but that is as far as our narrow scope on good car maintenance goes. For many, a visit to the mechanic only happens when major car problems have occurred. Most mechanics would say that the majority of car problems could be avoided if the car owners only changed their motor oil on a regular basis. With the rising price of gas, many Americans are taking the initiative to learn how to be more car repair friendly in order to avoid spending any extra dollars than they have to on their automobiles.

Everyone has heard that the first step to maintaining your cars healthy condition is by changing the motor oil regularly. And we all have seen those signs advertising a 10 minute oil change at local gas stations or quick stop car repairs. But what if theres a way to save $50 bucks and do it yourself? There is and its easy to do.

Here are the steps youll need to get you started in changing your own cars engine oil.

The first thing you will need to get started is your car owners manual. This will tell you how much and what kind of oil is required. You will need to go down to your local auto parts store and make sure you get the right filter for your vehicle. You will also need to purchase a funnel so that you dont get any oil spillage on your engine, which could cause major problems. In addition, you will also need a pair of filter pliers or a wrench because sometimes the lid to the oil is stubborn coming off. You will also need the right size socket for your specific vehicle. Note that some cars include the socket with the cars maintenance kit. If your car doesnt have this, then you can always find one at the auto parts store. Also, make sure to have a rag around to clean up any accidental spills that may occur.

Open up the cars hood and pull your car up onto a ramp. Make sure your emergency brake is on so that the car doesnt go anywhere while you are changing the oil. Use a drain pan to catch all the dirty oil and place it under the car by the drain bolt. Use a ratchet or a wrench to remove your cars drain plug bolt. When the oil is drained all the way down to a drip, screw on the drain plug and tighten it with the ratchet or wrench. Next locate your cars oil filter and use your pliers or wrench to remove it. Before you install the new filter, take some oil and use it as lube on the "o" ring of the filter. Then reinstall the new filter as tight as possible by hand.

Now that the hard part is done, here comes the easy part. Remove the oil cap from the engine. Place the funnel in the hole and put in the specific amount of oil that your vehicle requires according to the owners manual. Screw on the engine oil cap. Start your engine and let it run for a few minutes. Then once you turn off your car, check to see if you have the correct amount of oil in your engine. Congratulations! You have successfully changed your engine oil.

7 Advantages to Getting a FREE Online Auto Loan Quote before Visiting a Dealership

1) When you go to the supermarket you have a budgeted amount you are willing to spend so, why would you go to a dealership without a budget?

As a General Motors and Hyundai Product Specialist and former Finance Manager I see buyers do this everyday. They come into the dealership without knowing what is the best price they can get for the vehicle. On top of

this they don't know what interest rates they qualify for before coming to the dealership.

Not knowing best vehicle price + Not knowing interest rate = You Pay more!

Regardless of what type of credit you have you should always research and know the vehicle price and interest rate you qualify for before you enter any dealership. You can accomplish this by getting a FREE Auto Quote and

FREE Auto Loan Quote before you visit the dealership.

Doing these two activities before visiting the dealership will save you both time and money. As well as make your auto buying experience better. Because no one really likes going to the auto dealer.

In fact I'm sure most people would rank the experience last on their preferred list of things to do, just above going to the dentist to get a root canal.

2) Not All dealerships are Created Equal - Know which dealerships offer programs for perfect and less than perfect credit.

Any dealership can deal with a person with perfect credit. However, not every dealership can handle individuals with less than perfect credit. By getting a FREE online auto loan quote you gain the following advantages:

a.) Find dealers that work with all customer types regardless of credit. b.) Get approved for a vehicle loan regardless of credit. c.) Know exactly what type of autos you qualify for.

3) Know what's on Your Credit Report before you visit the Dealership.

There's nothing worse than walking into a dealership and expecting a 5% interest rate and then having me, the Finance Manager quote you 21%. I've had to tell countless people this and some of them are upset as if I

personally had something to do with what rate they qualify for and what is on their credit reports.

The truth is that you are responsible for your credit score, which largely determines what rate you qualify for. I rarely have any problem with customers who are educated about their credit scores because they already know

the rates and types of autos they qualify for.

My advice is to get your FREE Credit Report and find out your credit score before you go to the dealer. This will allow you to know what rates you qualify for and to see exactly what good and bad things may be lurking on your

credit report.

The advantage of submitting an online auto loan quote is that dealerships will automatically contact you with the types of autos you are approved for regardless of your credit.

4) Entering a FREE online auto loan quote gives you access to multiple dealerships without traveling -- saving you time, gas and money.
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South American Wines

South America has gradually become one of the worlds largest and best-loved wine producers. Like Australia and New Zealand, it has taken time to develop and grow its market, but it now makes up a huge proportion of the

wine that is available to us through our supermarkets, retailers and wine distributors.

In Latin America, the two countries which produce the most wine by far are Argentina and Chile. Both have wine traditions which go back to the times when they were Spanish colonies and hence viticulture is very much part of

the regions history. In this article, we will look at both countries, both historically and as to their position in todays wine market.

Argentina now stands proudly in the top five of the worlds biggest wine producers. It has a high consumption within the country itself, Argentines are very fond of red wine to go with their high consumption of local red meat,

and exports have risen over the years, making it one of the worlds most exciting New World wine regions. Initially, wine making was introduced to the country by the Spanish, but the industry has been influenced by immigrants

such as Italians and Germans, whose love of viticulture has transformed the Argentine wine making patterns and helped make it a successful Export business.

Because of the extensive history of wine making in the region, Argentina has seen the evolution of many local grape varieties, including Torrorits (white wine), Malbec (red wine) and Corbeau (also red). Malbec is the favoured

Argentine variety, and it has also been found to be the most successfully exported variety. The other industry that has grown on the back of wine making is wine tourism, which means Argentina is the place to go for a different

kind of wine holiday than you get in California, France, Italy and Germany.

Wine making in Chile has a similar kind of provenance to that of Argentina. However in Chile Bordeaux varieties arrived in a big way as early as the mid 1800s, and Chile is now one of the top wine producers in the world.

Traditionally, Chilean vineyards were in semi-arid regions which are irrigated by water from the Andes, but there has been a surge in interest in the cooler areas, for instance the Llegda Valley which is starting to become

recognised for its Pinot Noir.

New World Wines are generally grown in hotter climates than their more Northerly cousins. The grapes tend to get riper, and therefore the resulting wines tend to be more alcoholic something to keep an eye on when drinking

these nectars. The wines are also fuller in body and therefore go well with highly spiced foods and red meats.

For a great range of South American wines, or just to browse wine in general, it is a good idea to consult an independent online wine retailer. You can browse wines in your chosen price range, and you can research before

you buy.

How To Talk Like a Pirate, Me Hearty -- A Tutorial

So you wants to parley like a pirate, do yee? Thar be certain matters to attend to afore yee can tack about and talk like a proper tar. Some landlubbers ain't suited for the seafaring life. If yee play golf on Sundays, unless yee

cheat most grievously, yee will never speak like a salt. If yee got yee a tattoo, such as be rubbed on and water soluble, yee ain't fit for any fourmaster. If yee plucks daisies rather than daggers, yee best stay in your cottage

and away from the cleats, crossties and clutches. Cut your sails now, lump, for yee be headed for nowheres but dead water.

Thems that desire to treat like sea dogs had best Nike Dunkpay heed to these words, for there ain't no better chart on how to maneuver through the shoals

and shallows of Talk Like A Pirate Day.

Firstly, here be some definitions of pirate words and phrases, what I be certain will come in most handy for your climb up the jack ladder:

1. No: Aaargghh. (Please note that "Aaargghh" has multiple meanings and can be used in a variety of situations. The use of the expression may be utilized to signify general displeasure. Thus, an acceptable response to,

"Dear will you throw out the garbage", or "Sweetie, could you empty the bilge water", could be the aforementioned expression. So too, this particular expression may be used as a threat, as in two parties facing each other and

growling, "Aaargghh" back and forth several times before one of the parties pierces the other's gallbladder with sword, rapier, blade, foil or cutlass.)

2. Yes: Aye.

3. These bananas are not yet ripe: I wouldst not serve thems fleaworts to a desiccated monkey.

4. My pants are too tight: Me loins are as scragged as hagberries.

5. Run an Excel spreadsheet on these: Hoist the blood count.

6. This little number is by Armani: Yee must have paid yee a ransom for thems habiliments, yee schmuck.

7. On the right: Starboard.

8. On the left: Port.

9. Where is the bathroom?: Whar be the head? (It is considered proper etiquette in some pirate circles to follow up this question with an inquiry regarding the direction of the air current, such as: How blows the wind?)

10. I love you: Remove your garments.

11. Hello: Ahoy.

12. How much will that cost?: Empty your pockets.

13. The check is in the mail: The coxswain will pay yee.

14. I really think that we should see a marriage counselor: The sea be a lovely colour this eventide. Look yee over the railing. More. More . . . Let me hold your ankles whilst yee look.

15. The court is now in session: Hang them Nike Basketball Shoescurs from the mainmast.

16. To the rear of the ship: Aft.

17. To the front of the ship: Fore.

18. I am thirsty: Grog!

19. I am hungry: I couldst eat a horse from its hooves to its ears, and have me a mule's cobblers for dessert.

20. Isn't the Yoga class meeting in here today?: Didst yee all forget your leggings?

Why It Pays To Travel In Autumn

Why it pays to travel in autumn On an empty Spanish beach, Nick Trend revels in his autumn holiday - no crowds, low prices and free sunshine

SOMETHING'S not right. It is 10.30 in the morning and I am sitting in the seafront cafe at Calella de Palafrugell, one of the prettiest of a string of small resorts along this rugged stretch of the Costa Brava. My guidebook, now

discarded on the table next to a half-finished caf? cortado, suggests that the shelf of pinky-yellow sand stretched between the promenade and a scattering of low granite outcrops should be packed with people. In fact it is half

empty.

A pair of English girls have just stretched out on blue and chanel outletyellow towels. Twenty yards farther on, a couple are introducing their two-year-old to the clear warm

water.

A woman of about 50 - French, I think - is stepping off the boardwalk to join them, the back of her legs mottled pink and white by a wicker cafe seat. In all, I count about two dozen people on the sand. There are more beached

fishing boats than sunbathers.

Why? After all, the weather is wonderful, the temperature is in the mid-70s, the cloudless sky is luminous blue and I have already retreated into the shade to write. And this isn't an "airport day" lull, when one lot of

holidaymakers leaves and the next arrives. It is just mid-September - and the rest of Europe has decided that the holiday season is over.

The weird thing is that only 19 days previously it was a completely different story. Beaches were packed, sun-loungers were draped with towels from first light, and sights such as the classical ruins at Empuries were inundated

with trippers. In the evenings at Calella de Palafrugell, you would have to eat early, book well in advance or wander long and hungrily down the promenade in search of a free table.

Then, overnight the whole character of Calella, of the Costa Brava, of most other Mediterranean resorts, changed. "It happens on August 31 every year," says Sandie Jones, a local resort manager for a British tour operator.

"You can sit and watch them all loading up their cars or coaches and simply driving out of town. The next morning you notice the difference immediately. Suddenly, it's possible to find a parking space again."

It is only the Italians, Spanish (and on the Greek islands, the Greeksair max shoes themselves) who work to such a precise timetable. But by the end of

the first week of September, says Jones, nearly all the British, Dutch, Scandinavian and German families have gone home, bound by school holidays. And by the middle of the month the young clubbers - the 18-30 crowd -

have also left. Only couples and very young families remain, and peace descends on all but the biggest resorts.

We all know, of course, that once the school holidays are over, the crowds die away and it is a good time for a quiet break. But how many of us know just how good it is?

I had not fully appreciated it myself until this month. Then my son started school and I began to realise what we as a family would be missing by having to synchronise our holidays with those of his classmates. Totting up the

figures is a depressing exercise. The effect on prices as demand suddenly drops off at the end of August is immediate. Travel-industry people call this the "shoulder season", the halfway stage between the peak summer rates

and the rock-bottom off-season bargains.

Important Questions To Ask When Booking An Escorted Tour

Escorted tours can be a great way to see the world. Escorted tours provide you with your own guide, as well as an all-inclusive trip. This frees you from worrying about the exchange rate, which restaurants are worthy of

visiting, and how to travel from place to place. Escorted tours also prioritize the areas where you will visit, and prevent you from becoming so overwhelmed that you miss everything, in your quest to see everything.

Before signing up for an escorted tour, check with past clients. A bad tour can be a miserable experience, as well as a financial disaster. A good tour can show you parts of the world you never dreamed possible. An escorted

tour is also meant to be both educational and fun.Air Max Tn There are a variety of questions that you should ask the escorted tour company. The answers to

these questions can provide you with some insight into the tours, as well as some idea on the amount of money you should plan to spend, and to budget for the trip.

What is included in the price?

This question is probably the number one question for participants in an escorted tour. The price of an escorted tour may seem high, but the price includes all meals and accommodations. Escorted tours make economical

sense when you see everything included in the price. Most escorted trips include airfare from a major city, although you may be responsible for the airfare and travel costs to that city, as well as the cost of accommodations

and at least one, and often all three meals each day. Because inclusiveness can vary greatly from tour company to tour company and even from trip to trip, it is important to ask exactly what is included in the cost.

What is the focus of the tour?

Some trips, even within the same region, have a greatly different focus. Some tours are luxury tours, while others are aimed at providing the participants with an adventuresome vacation. Before signing up for an escorted

vacation, ask the reservation agent what the focus of the trip is.

What is the average age of the participants?

While many escorted trips do not have an official age range, it is a fact that some tours draw older people, while others appeal to a younger crowd. Even if you do not think that it matters to you, ask the reservation clerk what

the average age of tour participants is.

What is the custom as far as tipping?

Even the most inclusive tours often do not include tipping. nike shoesTipping protocol in different countries can be different from the tipping protocol that we are accustomed to

daily. Before heading out on your trip, ask the company what the tipping protocol is, do you tip? Who expects a tip? And How much?

Are there any discounts available?

A tour that has several vacancies or last minute cancellations may have a lower price. Likewise, a tour in an area that is losing popularity may be available at a better price. You may receive a discount if you are paying up

front for the trip in one payment. It never hurts to ask if there is any way to save money on your trip.