October 11, 2013

Home Insurance

by aurelcindy

Protect your house — and your possessions — with homeowners insurance through Progressive Home Advantage*. For homeowners, insurance protection is an important aspect of homeownership. Buying homeowners insurance, or home insurance, means buying protection for your home — both inside and out.

Progressive Home Advantage, provided and serviced by select homeowners insurance companies*, offers home insurance, condo insurance and renters insurance to new and existing Progressive customers.

If you already know what kind of home insurance policy you need, get a home insurance quote today! Or, learn more about:

What is home insurance?

Homeowners insurance, or home insurance, compensates you for losses to your home and your possessions inside it, so purchasing a homeowners policy provides added security for your investment. Home insurance also protects you if you’re legally liable for someone’s injuries on your property, as well as from financial losses caused by storms, fire, theft and other events outlined in your policy.

Why buy condo insurance?

Home insurance isn’t your only option when it comes to protecting your belongings. When you own a condominium, you — not your condo association — are responsible for what’s inside your condo. That’s why having a personal condo insurance policy is important.

Why buy renters insurance?

Renters insurance protects you in situations that everyone can face: fire, theft, water damage and other unforeseen circumstances — situations your apartment owner’s policy doesn’t cover.

April 1, 2012

Breakeven Analysis

by aurelcindy


A breakeven analysis is used to determine how much sales volume your business needs to start making a profit.

The breakeven analysis is especially useful when you’re developing a pricing strategy, either as part of a marketing plan or a business plan.

To conduct a breakeven analysis, use this formula:

Fixed Costs divided by (Revenue per unit – Variable costs per unit)

Fixed costs are costs that must be paid whether or not any units are produced. These costs are “fixed” over a specified period of time or range of production.

Variable costs are costs that vary directly with the number of products produced. For instance, the cost of the materials needed and the labour used to produce units isn’t always the same.

For example, suppose that your fixed costs for producing 100,000 widgets were $30,000 a year.

Your variable costs are $2.20 materials, $4.00 labour, and $0.80 overhead, for a total of $7.00.

If you choose a selling price of $12.00 for each widget, then:

$30,000 divided by ($12.00 – 7.00) equals 6000 units.

This is the number of widgets that have to be sold at a selling price of $12.00 before your business will start to make a profit.

April 1, 2012

The Best Business Opportunities of 2012

by aurelcindy


Much has been said and written about the crumbling world economy and its potential devastating effects. In one sense, it doesn’t matter if you’re thinking of starting a small business or investing in one; people will always have needs. The trick to starting a successful small business is to discover what needs they are willing to pay money to fulfill and then bringing those people together with your products and services. Even during the American Great Depression, some people made money.

Here are what I think are the best business opportunities of 2012.

1) Cloud Migration

2012 is the year that a lot more businesses will store and do a lot more ‘stuff’ in the cloud as a lot more businesses become aware of the advantages of cloud computingand less afraid to put more data up there. Big business will lead the way on this but small businesses will follow – meaning that cloud migration, helping businesses switch from on-site data storage and applications to cloud-based solutions, will become big business itself.

2) Mobile Apps Development

Ever increasing numbers of consumers are researching, shopping and buying with their mobile devices. I think Diane Mermigas, editor-at-large at MediaPost, said it best: “Consumers are already where marketers and retailers need to be” in terms of mobile commerce. Businesses will not totally catch up in 2012 but increasing numbers of them will make the attempt. For many businesses, that attempt will include having their own branded app, opening lots of opportunities for mobile apps developers.

3) Hair Salons

Does seeing this on this list of the best business opportunities of the year make you shake your head? Well just remember what I said in the opening about business opportunities and people’s needs. The great thing about hair salons is that they are a sure thing. No matter how dismal the economic climate, women will still scrape together the money to get their hair done, even if they have to let their nails go. So hair salons with talented stylists and well-priced services will still (and always) be real money makers.

4) Engineering Firms

Collapsing bridges. Inadequate sewage treatment. Deteriorating water systems. There’s an awful lot of aging, crumbling infrastructure in this country – providing great business opportunities for engineering firms capable of doing the necessary work and coming up with the winning bid on infrastructure projects. There will also be increasing opportunities for related technologies. Echologics Engineering Inc., for example, has developed a leak-detection and water pipe-condition assessment technology being used in cities across Canada and the U.S.

5) Mobility Products

I haven’t looked back at them all but I’m sure I’ve had mobility products, such as scooters, wheelchairs, walkers, canes and stair-assists, on my annual list of best business opportunities before. The aging of the baby boomers is a fact of society that just can’t be ignored, and with the first wave of boomers turning 65 recently, mobility products will be a real growth industry for years to come. The smartest business bet is to combine selling mobility products with related services, such as bathroom renovations suitable for seniors.

6) Senior Care

The burgeoning numbers of senior baby boomers also provide burgeoning business opportunities for senior care. In-home care and senior residences are the obvious ones, but don’t forget all the related opportunities such as driving, delivery, catering and cleaning services for seniors who want to stay in their homes. You can certainly develop your own business providing care for seniors, but there are also quite a few senior care franchise opportunities available.

7) Medical and Assistive Technologies

This was on the list last year and the business opportunities are even bigger this year as increasing numbers of hospital and medical clinic administrators appreciate the value of healthcare IT, smart devices and diagnostic and medical devices that can provide better health care and decrease costs. Besides developing/supplying technologies, think people and training, too. There’s developing the software/web app to get all medical records online, for instance, and then there’s finding the people to transcribe the records and training medical personnel to use the software.

8) Ecommerce

North American ecommerce continues to grow and grow. Ecommerce in Canada was worth $15.3 billion a year in 2010. In that year, 51% of Internet users ordered goods or services for personal or household use and of those users who placed an order, individuals averaged about 10 orders over a 12-month period, with an average total value of $1,362 per person (Individual Internet use and E-commerce, Statistics Canada). All these statistics tell me that ecommerce businesses could be very lucrative ones, assuming you find the right products to sell.

9) Luxe Products

One segment of the retail economy that does not seem to be suffering as much as others is the high end. There are still some people out there who have a whole lot of money and are willing to spend it on the name products that matter. Luxury handbags, scarves, and shoes for women are still selling well, for instance. Combining chosen luxe products with ecommerce, which grew strongly in 2011 and should do the same in 2012, could be a powerful business opportunity.

10) Dogs, Dogs, Dogs

Canadians and Americans love ‘em – and make feeding, caring for and pampering their pooches a spending priority. The headline of this article in The Huffington Post says it all; Dog Businesses Find Success Even During Tough Times. So what kind of small business? Kennels, doggie daycare, dog treat bakeries and dog resorts are all mentioned in the Huffington Post article. Have a look at 18 Pet Business Ideas for more small business opportunities involving dogs.

Why Are These the Best Business Opportunities?

These are not necessarily ideas for businesses that anyone can start. Many of these business opportunities have barriers to entry such as a need for specialized training. But in my opinion, these are business opportunities that are going to provide real chances to make money in 2012 and beyond – businesses that, done right, in the right place and for the right people may be profitable enterprises for years to come.

Note that there is never any guarantee when you’re starting a business. Any business opportunity you’re considering requires due diligence. Writing a business plan is a good place to start; it will help you determine if a particular business opportunit

March 31, 2012

How To Selling Online Business Shop vs Best Products How to Blog

by aurelcindy


of selling online how? Way of selling online business: online store vs. blogs. Way of Indonesia’s best selling products online: online shop for shop vs. blog. The shop sells blogs vs. the buyer looking for.

The online store where selling products. Types of business stationery products sold versus list price of the product. Blog where consumers are looking for. Business blogging tips on article writing reviews of products v point traffic to the store.

Online selling tips best ways: select the appropriate way of doing business online hobby. Create a blog the best stores selling how do online.

How To Sell Your Own Product Online Business vs. Others

How to do business online? Indonesia top the way online business 2: selling your own product versus another product. Not have their own product not an obstacle to a successful online business.

Own products online business vs. other people the same. The benefit of doing business online own product: big profit profit. Losses in business online selling your own product: a large initial capital investment.

Tips on the best way to do business online: an important start, no significant others versus selling products for themselves how to do business online.


March 31, 2012

A Standard Business Plan Outline

by aurelcindy

What information needs to be in your business plan? What is the order of information that will make the most sense to lenders and investors? You can answer these questions with the business plan outlines provided below.

What are the standard elements of a business plan? If you do need a standard business plan to seek funding — as opposed to a plan-as-you-go approach for running your business, which I describe below — there are predictable contents of a standard business plan outline.

For example, a business plan normally starts with an Executive Summary, which should be concise and interesting. People almost always expect to see sections covering the Company, the Market, the Product, the Management Team, Strategy, Implementation, and Financial Analysis. The precise business plan format can vary.

Is the order important? If you have the main components, the order doesn’t matter that much, but here’s the sequence I suggest for a business plan. I have provided two outlines, one simple and the other more detailed.

Simple business plan outline

  1. Executive Summary: Write this last. It’s just a page or two of highlights.
  2. Company Description: Legal establishment, history, start-up plans, etc.
  3. Product or Service: Describe what you’re selling. Focus on customer benefits.
  4. Market Analysis: You need to know your market, customer needs, where they are, how to reach them, etc.
  5. Strategy and Implementation: Be specific. Include management responsibilities with dates and budgets. Make sure you can track results.
  6. Web Plan Summary: For e-commerce, include discussion of website, development costs, operations, sales and marketing strategies.
  7. Management Team: Describe the organization and the key management team members.
  8. Financial Analysis: Make sure to include at the very least your projected Profit and Loss and Cash Flow tables.

Build your plan, then organize it. I don’t recommend developing the plan in the same order you present it as a finished document. For example, although the Executive Summary obviously comes as the first section of a business plan, I recommend writing it after everything else is done. It will appear first, but you write it last.

March 31, 2012

Spreading the Word

by aurelcindy

Spreading the Word.

March 30, 2012

Kindle Fire

by aurelcindy
$199.00 Free Super Saver Shipping Details Continue reading
March 28, 2012

Observe October Baby (2012) Motion picture On the internet No cost Supply>>

by aurelcindy

Since the curtain rises, Hannah hesitantly steps onto the stage to be with her theatrical debut in school. Yet before she can certainly utter her first traces, Hannah-unscripted-collapses in front on the stunned audience.

After countless medical testing, all signs point one underlying factor: Hannahs difficult birth. This revelation is nothing compared to what she then discovers from her parents: she was actually adopted . after having a failed abortion attempt.

Bewildered, angered, and confused, Hannah turns for service to Jason, her oldest friend. Encouraged by his bold spirit, Hannah joins his group of friends on a Springtime Break road trip, embarking on a journey to discover her hidden past . and locate hope for her unknown future.

In the midst regarding her incredible journey, Hannah finds that life can be much more now than what you have planned.

October Baby tells the story of a young college student, Hannah (Rachel Hendrix), who has had numerous medical concerns in childhood but emerged being a generally healthy young person when supported with proper medical care bills – at least until she collapses after a school play. The subsequent medical exams, and the reading regarding her private journal through her parents, lead to a clash where she discovers for the first time that she was used, and that she made it an abortion at twenty four weeks. Shocked, angry, and lost, Hannah joins her child years confidante Jason (Jason Burkey) with a quest to find her true identity and several real meaning to her life.

This could have gone the way in which of a Lifetime movie, or have earnest although second-tier production treatment. Neither happens thanks to be able to expert handling by co-directors Claire and Jon Erwin, both of whom have lots of years under their belts creating values-themed entertainment. In fact, both leads appeared inside their TV movie/pilot Alumni. The production values from the film are commensurate with theatrical-release drama, certainly on the identical level as other affectionate dramas for teens. The story itself provides surprises as opposed to opting for more feel-good resolutions of some conflicts. Religion comes into your story, but much less than one would imagine.

October Baby isnt about religion, or even abortion just as much as it is about forgiveness as well as letting go of ache and hurt. It never crosses over right into a strident anti-abortion didactic together might expect, although the subtext arises a few times, especially in a heart-rending scene using a surprising performance from Jasmine Dude. The film tells a tale and lets the viewers reach his or her conclusions, but it doesnt walk out its way to condemn anyone – and in a single scene, even makes reference for you to violent protests at abortion clinics. The film has a point of view, to be sure, but it treats all people fairly, with the possible exception of a minor romantic rivalry this is the films only real one-dimensional product and obvious clich?.

As for the shows, the cast impresses – in particular Guy and John Schneider, who plays Hannahs father and gives the performance of the life. They are the most recognizable stars inside the cast, and both deliver powerful and vulnerable performances. I was amazed to discover after the film that will October Baby is Hendrixs first theatrical film and only her second credit; it wont be the womans last.

Watch October Baby Movie


March 26, 2012

Kindle Fire

by aurelcindy

Kindle Fire

Wi-Fi, Full Color 7″ Multi-Touch Display

4.0 out of 5 stars  See all reviews (15,773 customer reviews) | Like (21,568)

$199.00 Free Super Saver Shipping Details
In Stock.
Ships from and sold by Amazon Digital Services. Gift-wrap available.
Order now. Orders are prioritized on a first come, first served basis. U.S. only
Want it delivered Tuesday, March 27?

Order it in the next 6 hours and 45 minutes, and choose One-Day Shipping at checkout.


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Movies, apps, games, music, reading and more, plus Amazon’s revolutionary, cloud-accelerated web browser
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March 18, 2012

FREE Basketball Shots 3D – HIGHLY ADDICTIVE!

by aurelcindy

The best basketball game for Android!

Score 25 shots from 5 positions in under 60 seconds! Enjoy 3D graphics, realistic physics and addictive gameplay. Shoot the ball with your finger, challenge your friends and earn coins.

PREMIUM AD-FREE version is also available. Tap “View more” below to download it.

TOO EASY? Try increasing the difficulty!

Basketball Shots 3D features 4 difficulty levels, live leaderboards, unlockable achievements and online challenges!
Adding over 300 000 new players every month!

ALL security permissions are explained on the game’s web page.

If you’re running CM and the game asks for root, ignore it (don’t grant root) – it’s just a glitch and the game doesn’t ever need it.


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