Blogs

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It is a fact of life - or at least of business - that most new businesses will need some form of outside funding before they can start to operate. In the circumstances which we face at the moment, it would be fair to say that securing funding is not an easy thing to do. With bank lending at a premium and more prospective borrowers than there are   bad credit loans to fund them, it is hardly a surprise that there is some stagnation in terms of new businesses getting off the ground. It also means that if you wish to get a business going and are looking for funding to get it off the ground, you will need to prove that you should be trusted with the ...
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Payday Loans online

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Payday loans are an advantageous and standard mortgage in which you pay the amount obtained to the loan specialist in a couple of days or weeks, including a measure of intrigue previously attended. At this time, the procedure of actually organizing the salary advance can be categorized as one of the two classes, even though, like most things these days, the comfort of the web is beginning to imply that the applications Online credit will be the method for what is to come. Be that as it may, at this time, a bad credit loans preparation framework for payday is the place where you should send the reports to the bank by fax, while the other ...
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There are so many printers available on the market today but do you know the best to choose? Remember that choosing the right printer can be quite confusing. You need to make a wise decision about the type of printer that will suit your needs, inkjet or laser and also whether a standard or all-in-one version would work better. Other things to put into consideration before buying a printer are what size of print will be required, quality, stock, running costs, volume and speed. Having a clear picture of what the printer will mainly be used for will help considerably. If image quality is a top priority, inkjet printers are considered the best option, ...
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Over recent years computer printers have simultaneously plummeted in price and gained myriad exciting new features and capabilities. The only major downside to the recent proliferation of new models and types of printers available is the matter of choosing the most suitable for your circumstances. Although there are hundreds of different models of printers available from a great number of manufacturers, the different types of printer break down into just a few categories. Here we'll explore the top 3 printers for your office and outline the reasons why they are the best. Inkjet Printers They are the most popular form of the printer for the office user. ...
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While the Reserve Bank of Australia has ruled out a hike on interest rates , at least until wages increase, there have long been talks of interest rates rising, which is why it’s important for borrowers to be prepared. As an investor, you need to understand interest rate risk, how to measure it, as well as how to manage it. Whether you develop your own interest rate risk management strategies, or you seek the help of a Risk Management Specialist to find a suitable financial product to help manage the risks, there are several options borrowers can take to deal with the risks involved with interest rates.  Understanding Interest Rate Risk While you may ...
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The art of selling or marketing of products and services is very important for any business that wants to do well. Increased sales come with an increase in revenue. It is therefore obvious that marketing plays an essential role in managing and growing a firm. The following are 3 tips on improving your sales. 1. Know your customer Customers that buy company products and services are the most important element of any business. They are the true reason why the business exists. Knowledge of your customers means having a deep and clear understanding of the customer demands and wants. This is achieved through an intensive market research. Satisfying the customer ...
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Investing in real estate can be tough, this is a fact. It often takes time and effort to be successful in this line of work, but it can be and has been done. William Shakespeare famously remarked that there is a tide in the conduct of men that leads to fortune when taken and if omitted leads to misery. With this in mind, I have compiled a list of some of the pitfalls of real estate investing and how to avoid them so that you may have a better experience. 1. Create a master analysis spreadsheet Data exists for a reason- to help you make rather than lose money. People who do not understand this concept can usually be found lagging behind in ...
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South Korea will host the 2018 XXIII Winter Games in less than three months. The event will be held in PyeongChang, located about 40 miles from the border with North Korea. An estimated 2,500 athletes from 90 nations will be participating in 102 Games, which are expected to attract large crowds, with locals accounting for 70 percent of prospective attendees and foreigners the remaining 30 percent. Although South Korea is ordinarily a low-risk country for most visitors, the Winter Olympics is taking place at a time of heightened global tensions with North Korea, raising the ire of possible aggression from Pyongyang against its southern neighbour. Historically, ...
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This is the first in a series of posts that will discuss various regulatory considerations surrounding workplace ergonomics programs. Readers are encouraged to comment on each post with questions or requests and suggestion for future posts. The United States Occupational Safety and Health Administration does not currently have an ergonomics standard. However, there are several regulatory and legal schema that include rules relevant, both directly and indirectly, to an enterprise’s identification and mitigation of ergonomics hazards and the consequences thereof. While many safety managers are loath to admit it, safety programs tend to be built around OSHA ...
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Health Centers

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GOAL: Improved Medical Outcomes – Focus on the “Big Five” 1) Cardiovascular Disease 70% of those with hypertension do not have it under control. A 10% reduction in cholesterol reduces the risk of heart attack by 30% 2) Cancer: 46% of Americans fail to have the proper screening tests 3) Diabetes: Costs over $119 billion nationally. 45% of patients are noncompliant 4) Obesity: Related national health care costs over $100 billion 5) Tobacco Use: Direct and indirect costs exceed $193 billion nationall
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January 2017's Sac Valley RIMS Meeting On Monday, January 30th, 46 Members of RIMS Sac Valley Beat the Blue Monday Blues! RIMS professionals met at PRIDE Industries on Monday, January 30th and were treated to a tour of its impressive Roseville facility. Immediately following the tour, we heard from our super speaker: Phillip Walls, RPh Chief Clinical Officer, myMatrixx Phil spoke about "The Aging Workforce and Prescription Cascades: A Prescription for Disaster". Prescription cascades occur when side effects of one medication are treated by another medication. Since all medications cause side effects, this common approach leads to ...
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Have you purchased a solar heater for your private pool recently? Congratulations, you’ve done your part for the environment, and are one of the many consumers who’ve contributed to the growth of alternative energy in Tampa and other places. The next step is to ensure that you get the most out of your heater, and for that you may have to invest in temperature differential controllers that heat your pool with solar energy just the way you want it to. What Are Temperature Differential Controllers? The solar thermal systems and the temperature differential controllers help to convert sunlight into heat, and it is this heat that is used for additional ...
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I don't know about you, but, I really dislike both giving and receiving annual performance reviews. It would be like raising children and only providing feedback to them once a year. It is as silly as the performance evaluation below from 1/1/1000 - 12/31/1000. . . . What is your take? EMPLOYEE SUMMARY OF ACCOMPLISHMENTS Period covered (month/day/year): from January 1, 1000 – December 31, 1000 Little John Yeomanry Employee Name ...
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Lessons from the Mayo Clinic Since starting Lootok , once a year I go to Rochester, Minnesota, my home State, to take my annual executive physical at the Mayo Clinic . It gives me a good reason to get back to Minnesota to visit family and friends, while maximizing my medical checkups. In just two days, more than fifteen doctors evaluate me. Risk management shares many similarities with the medical field, and it’s where you find the best analogies and metaphors. I wanted to share few of the insights I have gleaned over my time at Mayo. Risk management is analogous to the immune system . It is not a thing or part. It ...
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Is it necessary for a global organization to have a Global Security Operation Center (GSOC)? “How did you go bankrupt?" Two ways. Gradually, then suddenly.” - Ernest Hemingway, The Sun Also Rises I was working with a head of risk management - Chief Risk Officer - at a global organization that does not have a GSOC . One night over dinner I questioned him 'why not' - why doesn't his organization have one? Why doesn't he spearhead the initiative? His basic response was 'why' ... "I am not convinced we need one. The organization operates without a GSOC, so why now." He also stated "the reality is we are already doing it ... here and ...
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When working with the masses [end-users; not experts in risk management, business continuity, crisis management], I find it beneficial to present clear, concise, and concrete packaged solutions. People need guidance and structure to help them think through problems and build effective plans. This is one of the reasons Lootok created the 8Rs ™ of Resiliency. The goal the 8Rs is to reduce uncertainty, simplify complexity, structure thinking and dialogue, build common ground, and establish preparatory activities. The 8Rs facilitates planning with a plan as the end deliverable (i.e., plans are the byproduct of planning). The 8Rs are designed to provide people ...
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Post-Independence/Canada Day trivia question: According to the World Bank, this country in the EU has 9 of the 15 fastest Wi-Fi cities in the world . You guessed it (largely because it is in the graphic) but it is Romania. Not the country that exactly comes to mind when thinking of the world’s fastest internet. There is only one problem however, one-third of the population have never used the internet and half of the country's households do not own computers. I’m sure you’re saying to yourself that this is fun anecdote but what does this have to do with my chapter? Romania took a risk, and chances are that it will pay off in the long ...
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How soon do you need to communicate after a crisis? Sharing a few thoughts on crisis communication – I was working with an executive team on a crisis scenario, when one of the leaders asked a question on crisis communication. He asked, “How soon do we need it to communicate? 5 minutes, 10 minutes, 1 hour, 1 day, …?” He was looking for a precise number to perhaps evaluate a few past incidents that were top of mind for everyone in the room. I gave the common answer, but right answer, of “it depends.” He gave a look of dissatisfaction and discrediting posture. I went on to share a few basic statistics from Daniel Diermier’s research (author of Reputation ...
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Sean Murphy's Favorite Reads Clients often ask what my favorite books (authors) are. I recommend reading anything from Klein, Sheffi, Kahneman, Thaler, and Sunstein. Here are a few of my favorite reads | rereads: Adoption, Awareness & Game Theory (Brain) Books Nudge , by Richard H. Thaler and Cass R. Sunstein Made to Stick , by Chip Heath, Dan Heath Diffusion of Innovation, by Everett M. Rogers Brain Rules , by John Medina Thinking, Fast and Slow, by Daniel Kahneman Risk Management Against the Gods, by Peter Bernstein Resilient Enterprise , by Yossi Sheffi Operation Rules , ...
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