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    Swimming & How to Stay on Top in Business
    What else would I do first thing in the morning?It's 5.50am when I jump into the pool. When the cool water hits my body I'm instantly awake. Awake enough to think,"why do I do this? I could still be in bed! Am I crazy ?"Before you say "Yes," I can hear you asking too, "why DO you do this?"Why? Because:a) I've recognized a connection between my physical fitness and mental alertness,b) because it's a great way to start the day,c) because living in cities, finding a pool has never been difficult and becaused) and this is the real reason - it allows me to eat doughnuts now and again!But this particular morning was different, this morning I was to learn a valuable idea about business................................And it all started with learning. Many years ago, when I was three or four my Mum and Dad saw my first attempts to swim were an overhead thrashing action. They arranged for me to be taught the stroke it most nearly resembled. That was freestyle, or front crawl.<
    .

    9) Along with your second tea-break, you can also have another meeting (Review Meeting) with your team.

    10) While moving from one office to another or one department to another, you can also send messages to your family members, relatives and friends and stay in touch with them.

    11) When you are in a meeting, it is important that you prepare yourself for the meeting and keep it within the limits of discussion. Be there for the meeting, on time and you should also know when to end the meeting. It is a matter of discipline.

    12) In the evening, while going home you can do any of the following: Listen to your favorite songs; go through the reports and papers or have meeting with client or customer.

    13) Once you are at home, give your time to family. Listen to them. Solve their Concerns. Enjoy with them. Do not bore them by discussing about your day in the office.

    14) At the time of Dinner, you can again update yourself with news and current updates.

    15) Before, you retire for the day, read something.

    Do you think, that you have things to do or to take care that I have not mentioned in the list?

    What Busy People do?

    1) They respect their time as well as that of the

    Finding a Lawyer
    Ok, what a fun subject this is! But, it's necessary. Finding a good lawyer that has your best interest is key to any business. For me, this wasn't too difficult. Fortunately in the business that I came from I had the opportunity to work with some great lawyers. After thinking about it I settled on one that I had a good working relationship with and closely matched my own personal morals and values. Morals and values in a lawyer you might ask? Yes, it is possible. Anyway, the lawyer I chose also happens to work for a big law firm, so he has people in his building that specialize in what we're doing with JustBummin.com. Not only that, but since they have experience in this type of thing, they have many of the forms already created that just need to be customized to fit our business, which brings the costs down.I needed a lawyer, and you will need a lawyer for several things, several of which I probably haven't even experienced yet. The first of which was an NDA or Non-Disclosure Agreement. You need an NDA for a couple reasons. One, anytime you are
    Introduction

    At one stage or another we all have heard or read all or any of the below mentioned, Time Related Phrases:

    1) Time is money. Time is wealth.

    2) Time is a river. Time is wind.

    3) Respect your time.

    4) Doesn’t matter what you do…time will just pass away.

    5) You never know, when your time will change. (Samey bada balvaan hota hai)

    6) Each year, each day, each moment is unique in its own way. Once it passes, it will never come again.

    7) Respect my time and I will respect yours.

    8) With time, all wounds will heal.

    9) If I had more hours

    10) I don’t have time

    There are many more.

    But, like money or wealth or your assets can you save your time for difficult days? No, you cannot. Your time is now, invest it or waste it.

    We are living in an era where researchers, philosophers and historians are talking, discussing and debating about “Life Management”…”Plan your life”. Every individual should know what he want in his life? Where he see himself after 5 or 10 years? One should know what he or she is expecting in his or her life. Hence, Time Management is an important aspect of our life.

    How busy are you? - Your daily Routine

    Let’s see, what we (Most of us) do in our daily life. How we are managing our day? As an example, I will take my daily schedule and I am sure that yours too will be closer to that. We spend time in following activities:

    1) Rest / Sleep – 8 hours

    2) Health: Yoga, Exercise – 1 hour

    3) Prayers – 1 Hour

    4) Food (Breakfast, Lunch, Dinner & Snacks) – 2 hours

    5) Entertainment – 2 hours

    6) Knowledge / Learning / News – 1 hour

    7) Socializing – 1 Hour

    8) Work/Profession/Career – 10 hours

    9) Traveling – 3hours

    10) Time for Family – 3 hours

    One should do all these activities to have a successful, purposeful, stress free and happy life. If I calculate above mentioned time, it comes out to be 32 hours, whereas there are only 24 hours in a day. So, how to manage? I don’t want to cut any of the activity.

    Manage your Time

    One can manage his time by using following skills and tools

    1) Planning

    2) Multi-tasking

    3) Optimum use of Technology

    4) Delegation

    5) Self Discipline

    Plan your day. Be disciplined. Respect your time and that of others too. Have proper schedule. Do multitasking. Use technology in a best possible manner.

    Let’s plan your day

    1) You wake-up in the morning and then go for walk or jogging. At the same time on your walk-man you can also listen to prayers, religious songs etc. Right or Wrong?

    2) Once you come back from your walk, at the time of your morning tea or milk, you can scan through Newspaper or News Channels to keep you updated with the latest events and news. Can you?

    3) While having your breakfast, you can also spend that time with your kids and family or listen to songs of your choice.

    4) While driving or traveling to your office you can either listen to songs or use your mobile – phone to stay in touch with your friends and relatives through messages and calls. If you are at a senior level and really busy and your office is quite far away…you can also have one meeting in your car. You can also go through few reports, analysis; check those reports and also sign those documents that need your signatures and approvals. Can you do this?

    5) In office, you do all of the following things:

    A) Internal Meetings (There are three types of meetings – Briefing, Discussion / Debate, Review)

    B) Routine work (It will be very useful for you to have well defined processes to take care of routine works)

    C) Value Addition to your Function and Department

    D) Client Meetings (Purpose can be any of the following: update them; get more business; grievance / query handling)

    E) Interviews (To add a new person to your team; Employee Retention; Employee Grievance Handling)

    Do you think that there is anything more that you do at your workplace; over and above the activities that I have listed???

    6) During your first tea-break in office, have a brief meeting with your team-members and delegate your routine work.

    7) You can have an important client or business meeting during your lunch.

    8) For discussion / debates with seniors or your peers located at different areas, you can either use the technology of Conference Call or Video Conferencing. It will help you in managing your time and save your money. Same technology can be used for interviewing candidates from different locations. You can also use this technology for Induction, Training and Development and also for Media briefing. If you can solve a problem through a simple message on mobile phone or a simple e-mail; you don’ have to call for a meeting. So, use your mobile phone and internet to help you in managing your time.

    9) Along with your second tea-break, you can also have another meeting (Review Meeting) with your team.

    10) While moving from one office to another or one department to another, you can also send messages to your family members, relatives and friends and stay in touch with them.

    11) When you are in a meeting, it is important that you prepare yourself for the meeting and keep it within the limits of discussion. Be there for the meeting, on time and you should also know when to end the meeting. It is a matter of discipline.

    12) In the evening, while going home you can do any of the following: Listen to your favorite songs; go through the reports and papers or have meeting with client or customer.

    13) Once you are at home, give your time to family. Listen to them. Solve their Concerns. Enjoy with them. Do not bore them by discussing about your day in the office.

    14) At the time of Dinner, you can again update yourself with news and current updates.

    15) Before, you retire for the day, read something.

    Do you think, that you have things to do or to take care that I have not mentioned in the list?

    What Busy People do?

    1) They respect their time as well as that of the

    Hey Small Business Owners, How Many Customers Are You Losing in Your Bathrooms?
    Most Fridays, my husband and I patronize several restaurants established by small business owners. We use this time to enjoy a good meal and have the opportunity to talk away from the home. Over the course of the last few years, the number of available dining establishments has diminished by one a year. The reason is due to that both of us have seen wait staff using the bathroom facilities without properly washing their hands.Last night, we lost another favorite restaurant. This restaurant was one of my favorites due to its early bird specials; fresh oven baked bread, good customer service, reasonable prices and consistently high food quality. However, now this eatery has just lost annual revenues of around $1,200. (NOTE: Our average bill was $50 and we visited this specific place two times each month.)What happened was quite simple. My husband visited the men’s facilities and noticed an employee dressed in a chef’s white uniform. After attending to his personal business quickly, this individual passed his hands through the cold wate
    >Let’s see, what we (Most of us) do in our daily life. How we are managing our day? As an example, I will take my daily schedule and I am sure that yours too will be closer to that. We spend time in following activities:

    1) Rest / Sleep – 8 hours

    2) Health: Yoga, Exercise – 1 hour

    3) Prayers – 1 Hour

    4) Food (Breakfast, Lunch, Dinner & Snacks) – 2 hours

    5) Entertainment – 2 hours

    6) Knowledge / Learning / News – 1 hour

    7) Socializing – 1 Hour

    8) Work/Profession/Career – 10 hours

    9) Traveling – 3hours

    10) Time for Family – 3 hours

    One should do all these activities to have a successful, purposeful, stress free and happy life. If I calculate above mentioned time, it comes out to be 32 hours, whereas there are only 24 hours in a day. So, how to manage? I don’t want to cut any of the activity.

    Manage your Time

    One can manage his time by using following skills and tools

    1) Planning

    2) Multi-tasking

    3) Optimum use of Technology

    4) Delegation

    5) Self Discipline

    Plan your day. Be disciplined. Respect your time and that of others too. Have proper schedule. Do multitasking. Use technology in a best possible manner.

    Let’s plan your day

    1) You wake-up in the morning and then go for walk or jogging. At the same time on your walk-man you can also listen to prayers, religious songs etc. Right or Wrong?

    2) Once you come back from your walk, at the time of your morning tea or milk, you can scan through Newspaper or News Channels to keep you updated with the latest events and news. Can you?

    3) While having your breakfast, you can also spend that time with your kids and family or listen to songs of your choice.

    4) While driving or traveling to your office you can either listen to songs or use your mobile – phone to stay in touch with your friends and relatives through messages and calls. If you are at a senior level and really busy and your office is quite far away…you can also have one meeting in your car. You can also go through few reports, analysis; check those reports and also sign those documents that need your signatures and approvals. Can you do this?

    5) In office, you do all of the following things:

    A) Internal Meetings (There are three types of meetings – Briefing, Discussion / Debate, Review)

    B) Routine work (It will be very useful for you to have well defined processes to take care of routine works)

    C) Value Addition to your Function and Department

    D) Client Meetings (Purpose can be any of the following: update them; get more business; grievance / query handling)

    E) Interviews (To add a new person to your team; Employee Retention; Employee Grievance Handling)

    Do you think that there is anything more that you do at your workplace; over and above the activities that I have listed???

    6) During your first tea-break in office, have a brief meeting with your team-members and delegate your routine work.

    7) You can have an important client or business meeting during your lunch.

    8) For discussion / debates with seniors or your peers located at different areas, you can either use the technology of Conference Call or Video Conferencing. It will help you in managing your time and save your money. Same technology can be used for interviewing candidates from different locations. You can also use this technology for Induction, Training and Development and also for Media briefing. If you can solve a problem through a simple message on mobile phone or a simple e-mail; you don’ have to call for a meeting. So, use your mobile phone and internet to help you in managing your time.

    9) Along with your second tea-break, you can also have another meeting (Review Meeting) with your team.

    10) While moving from one office to another or one department to another, you can also send messages to your family members, relatives and friends and stay in touch with them.

    11) When you are in a meeting, it is important that you prepare yourself for the meeting and keep it within the limits of discussion. Be there for the meeting, on time and you should also know when to end the meeting. It is a matter of discipline.

    12) In the evening, while going home you can do any of the following: Listen to your favorite songs; go through the reports and papers or have meeting with client or customer.

    13) Once you are at home, give your time to family. Listen to them. Solve their Concerns. Enjoy with them. Do not bore them by discussing about your day in the office.

    14) At the time of Dinner, you can again update yourself with news and current updates.

    15) Before, you retire for the day, read something.

    Do you think, that you have things to do or to take care that I have not mentioned in the list?

    What Busy People do?

    1) They respect their time as well as that of the

    The High Demand For Home Business Advertising
    Your business will not succeed unless you sell the product or service you are offering. That is the goal of any business, whether large or small, home based or brick-and-mortar. And you will not make sales without advertising. It’s a proven marketing fact that all sales begin as an advertisement. Home based business sales are no exception.Without advertising, you are limited to word of mouth to draw new customers. Even if you have a website, no one will find it without advertising. You are just one person, and there are limits as to how may people you can reach through word of mouth. You need to post business ads in many venues to draw people to your product, service, or business.When writing business advertising copy, you need to keep your goal in mind. Do you want the reader to visit your website and make a purchase, send their email address to become a contact, or schedule an appointment for the sales pitch? If you do not succeed in your goal, your ad is considered a failure.Internet advertising gurus have identified a four-step

    Let’s plan your day

    1) You wake-up in the morning and then go for walk or jogging. At the same time on your walk-man you can also listen to prayers, religious songs etc. Right or Wrong?

    2) Once you come back from your walk, at the time of your morning tea or milk, you can scan through Newspaper or News Channels to keep you updated with the latest events and news. Can you?

    3) While having your breakfast, you can also spend that time with your kids and family or listen to songs of your choice.

    4) While driving or traveling to your office you can either listen to songs or use your mobile – phone to stay in touch with your friends and relatives through messages and calls. If you are at a senior level and really busy and your office is quite far away…you can also have one meeting in your car. You can also go through few reports, analysis; check those reports and also sign those documents that need your signatures and approvals. Can you do this?

    5) In office, you do all of the following things:

    A) Internal Meetings (There are three types of meetings – Briefing, Discussion / Debate, Review)

    B) Routine work (It will be very useful for you to have well defined processes to take care of routine works)

    C) Value Addition to your Function and Department

    D) Client Meetings (Purpose can be any of the following: update them; get more business; grievance / query handling)

    E) Interviews (To add a new person to your team; Employee Retention; Employee Grievance Handling)

    Do you think that there is anything more that you do at your workplace; over and above the activities that I have listed???

    6) During your first tea-break in office, have a brief meeting with your team-members and delegate your routine work.

    7) You can have an important client or business meeting during your lunch.

    8) For discussion / debates with seniors or your peers located at different areas, you can either use the technology of Conference Call or Video Conferencing. It will help you in managing your time and save your money. Same technology can be used for interviewing candidates from different locations. You can also use this technology for Induction, Training and Development and also for Media briefing. If you can solve a problem through a simple message on mobile phone or a simple e-mail; you don’ have to call for a meeting. So, use your mobile phone and internet to help you in managing your time.

    9) Along with your second tea-break, you can also have another meeting (Review Meeting) with your team.

    10) While moving from one office to another or one department to another, you can also send messages to your family members, relatives and friends and stay in touch with them.

    11) When you are in a meeting, it is important that you prepare yourself for the meeting and keep it within the limits of discussion. Be there for the meeting, on time and you should also know when to end the meeting. It is a matter of discipline.

    12) In the evening, while going home you can do any of the following: Listen to your favorite songs; go through the reports and papers or have meeting with client or customer.

    13) Once you are at home, give your time to family. Listen to them. Solve their Concerns. Enjoy with them. Do not bore them by discussing about your day in the office.

    14) At the time of Dinner, you can again update yourself with news and current updates.

    15) Before, you retire for the day, read something.

    Do you think, that you have things to do or to take care that I have not mentioned in the list?

    What Busy People do?

    1) They respect their time as well as that of the

    How to Finance Your Franchise Business Opportunity
    You have found the best franchise for you and are really excited about its future and your new business. However, how are you going to pay for it? Many franchises require a significant investment and a large amount of liquid money that many individuals don't have. Fortunately, there are a lot of financing options available to help you finance your franchise business opportunity.Please keep in mind, however, that you should consider financing your franchise before you actually get your heart set on a particular franchise. The reason why is that financing can be a challenge and is the most important thing you should consider before actually opening a franchise. So, spend some time researching how to finance your franchise business opportunity to get a better understanding of how the entire process works.Your Finances First, you need to determine your financial situation. If you are not in a situation where you can afford to embark on a new business opportunity that may have cash flow issues in the beginning, then you should
    routine works)

    C) Value Addition to your Function and Department

    D) Client Meetings (Purpose can be any of the following: update them; get more business; grievance / query handling)

    E) Interviews (To add a new person to your team; Employee Retention; Employee Grievance Handling)

    Do you think that there is anything more that you do at your workplace; over and above the activities that I have listed???

    6) During your first tea-break in office, have a brief meeting with your team-members and delegate your routine work.

    7) You can have an important client or business meeting during your lunch.

    8) For discussion / debates with seniors or your peers located at different areas, you can either use the technology of Conference Call or Video Conferencing. It will help you in managing your time and save your money. Same technology can be used for interviewing candidates from different locations. You can also use this technology for Induction, Training and Development and also for Media briefing. If you can solve a problem through a simple message on mobile phone or a simple e-mail; you don’ have to call for a meeting. So, use your mobile phone and internet to help you in managing your time.

    9) Along with your second tea-break, you can also have another meeting (Review Meeting) with your team.

    10) While moving from one office to another or one department to another, you can also send messages to your family members, relatives and friends and stay in touch with them.

    11) When you are in a meeting, it is important that you prepare yourself for the meeting and keep it within the limits of discussion. Be there for the meeting, on time and you should also know when to end the meeting. It is a matter of discipline.

    12) In the evening, while going home you can do any of the following: Listen to your favorite songs; go through the reports and papers or have meeting with client or customer.

    13) Once you are at home, give your time to family. Listen to them. Solve their Concerns. Enjoy with them. Do not bore them by discussing about your day in the office.

    14) At the time of Dinner, you can again update yourself with news and current updates.

    15) Before, you retire for the day, read something.

    Do you think, that you have things to do or to take care that I have not mentioned in the list?

    What Busy People do?

    1) They respect their time as well as that of the

    Accounts Receivable Outsourcing
    Accounts Receivable factoring is a process that enables a small business to sell off its invoices and other Account Receivables to a financing company. The financing company purchases these invoices at a discounted rate, gives the cash to the business and, when the due date of the invoice arrives, it collects the cash from the customer at the face value of the invoice. The company can collect the cash itself or outsource the work to another company that specializes in cash collection services.The Outsourcing company first carries out what can be termed as an image capture. This means that as soon as a purchase order is received, the company uses a large number of recording techniques to scan the purchase order, and then index it based on fields such as customer name, customer number, invoice number and date. This will ensure that all customers??bf? data is stored together digitally and is accessible when required.The next is to scan the POD, or proof of delivery. Here, the customer??bf?s signature on the document is verified. This serves a
    .

    9) Along with your second tea-break, you can also have another meeting (Review Meeting) with your team.

    10) While moving from one office to another or one department to another, you can also send messages to your family members, relatives and friends and stay in touch with them.

    11) When you are in a meeting, it is important that you prepare yourself for the meeting and keep it within the limits of discussion. Be there for the meeting, on time and you should also know when to end the meeting. It is a matter of discipline.

    12) In the evening, while going home you can do any of the following: Listen to your favorite songs; go through the reports and papers or have meeting with client or customer.

    13) Once you are at home, give your time to family. Listen to them. Solve their Concerns. Enjoy with them. Do not bore them by discussing about your day in the office.

    14) At the time of Dinner, you can again update yourself with news and current updates.

    15) Before, you retire for the day, read something.

    Do you think, that you have things to do or to take care that I have not mentioned in the list?

    What Busy People do?

    1) They respect their time as well as that of the other person.

    2) They manage their time in such a manner that they get time to do everything in their life.

    3) They use technology in a best possible manner.

    4) They are self-disciplined.

    5) They plan their day and their time.

    6) They know their limitations. They trust people, efficiencies & talent of people around them and delegate their work.

    7) They take responsibility and accountability.

    What Busy People don’t do?

    1) They don’t scream or complain for lack of time.

    2) They do not procrastinate or postpone their work.

    3) They don’t gossip.

    4) They don’t blame TIME for their failures and frustrations.

    5) They don’t mix their work with family. They don’t carry their work to home and don’t bring their family emotions and fights to workplace.

    6) They don’t blame others.

    Conclusion

    Number of hours in a day will not change. There will only be 86,400 seconds in a day. It is up to you, how you manage and use each of those seconds. One needs to invest each second. As, it has been rightly said, time once passed will never come again. Busy people are very satisfied, happy and do everything that they want to do in their life. Those, who show that they are busy, end up with frustration, burn-outs, stress and most of the time failure in life and profession.

    Before I sign-out, I like to share few examples to let you know the value of Time, I studied these examples when I was in school,

    To realize the value of one year; ask a student who has failed a final exam.

    To realize the value of one month; ask a mother who has given birth to a premature baby.

    To realize the value of one week; ask an editor of a weekly newspaper or magazine

    To realize the value of one hour; ask the lovers who are waiting to meet.

    To realize the value of one minute; ask the person who has missed the train, bus or plane.

    To realize the value of one second; ask a person who has survived an accident.

    To realize the value of one millisecond; ask the person who has won a silver medal in the Olympics.

    Time waits for no one. Treasure every moment you have. You will treasure it even more when you share it with someone special.

    Looking forward to your Comments and Feedback

    With lots of love, care and affection,

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