Poker is one of those games that are as addictive as they are fun. It is a prominent part of games that require a very sharp mind. The amount of calculation and precision that poker requires makes it a very popular game all over the world. It has multiple rules that require quite a bit of practice to master. However, once you are comfortable, you still need to stay informed at all times. This will help you stay on top of your game.

One of the ways to do this is to go to as many poker tournaments as you can and watch the players. Study their strategies and how they play each hand. It can be a very interesting time for both the professional and amateur poker player. However, it is not a very practical option for everyone. It has a lot of costs involved and also requires the person to have a lot of time. A great alternative to attending the tournament is to read about it in a well-written magazine.

Poker magazines are distributed all over the world just like the game. These magazines not only cover all the major poker tournaments, but also include detailed match analysis. You will be able to read about the players who participated in the tournaments and you will also be able to read about their strategies. Although poker tournaments are also broadcast on some television channels, it is not the same.

The idea of ​​a poker magazine is to keep you informed. You can always go back to a magazine and look for a game played. Please refer back to the strategies. On TV, you can only see what is happening and listen to some comments. There are not so many repeat transmissions. Therefore, poker magazine subscriptions are always worth it.

As well as covering tournaments, poker magazines like Flush and Bluff are also full of the latest trends in the world of poker. You will be able to know the national and international trends of poker. They also have information on current player rankings, both nationally and globally.

Those who are curious to find out more about the celebrity or rising poker players will enjoy reading the interviews of these players. Magazines like Poker Pro regularly feature biographies and interviews of famous and new poker players. They also feature articles written by respected poker players, which are a great read for players and poker fans alike.

Poker magazines can be great for improving your game. No matter where in the world you are, there are poker magazines that can locate you there. They all come with columns on poker tips and best tips for playing. Magazines like ALL IN have poker experts on their panel to give their readers a regular dose of useful poker analysis and advice.

So if you want to find out more about poker travel, poker celebrities and generally anything related to the game, you should subscribe to a poker magazine. There are many options to choose from and you can do it online right now.

Large deductible insurance may seem like an easy way to reduce the costs of workers’ compensation or liability insurance. But appearances can be deceiving. The collateral your insurer needs to protect your credit risk can put a strain on your lines of credit or credit rating. Here are three cures for this common problem.

Cure 1 – Bail

A bond is a three-way contact between you, your insurer, and the bond. A surety bond is a promise that, in exchange for the premium you pay, the surety will meet your financial obligations if you are unable to do so. If you cannot compensate your insurer for payments that fall within the deductible, the guarantee will cover those payments.

Not all insurers will accept a surety bond as a substitute for cash collateral or letters of credit. They may not get full credit for the bond under legal accounting standards. Warranties may require you to issue the bond, which will reduce some of the benefits of this approach.

Cura 2 – Trust Account

A trust account, which you finance with cash or high credit securities, can be substituted for letters of credit. The cost of maintaining a trust account is typically less than the cost banks charge for LOCs, which means you can save money each year in escrow costs and not have to draw on lines of credit.

Securities approved for a trust account may not provide you with an attractive return. The money you save on administrative costs could be offset by lower investment returns.

Cura 3 – Negotiate with your insurer

The guarantee amount set by your insurer is calculated using several factors: the frequency and severity of your historical claims; your company’s credit rating; social and economic inflation factors. Their actuaries use these factors to predict future amounts and timing of payments for claims that fall within your deductible.

An improvement in your credit rating, a change in business activity, long-term expectations for future business opportunities in your industry can all work in your favor. Talk to your insurer about these changes. Hire your own actuary to analyze your losses. Don’t assume your insurer’s warranty calculations are set in stone.

Bonus Cure – Loss Portfolio Transfer

If you have been in a large deductible insurance program for several years, you may be suffering from “stacking” of warranties. This is the accumulation of collateral over several years to the point where you have substantial amounts of assets or credit tied up with your insurer.

A loss portfolio transfer is a contract with an insurer or reinsurer to transfer your liabilities for future claims in exchange for the payment of a premium. The LPT contract premium is determined by the anticipated timing and amount of your future claim payments, as well as the time value of money.

Many people think that a low interest environment would not be suitable for LPT, since the discount factor will be very small. But releasing letters of credit frees up your lines of credit for other uses, and that alone may be worth buying.

First of all, I would congratulate you on the way you have dealt with the issue. Most people in a similar situation would consider this problem to be “someone else’s” fault. You have clearly taken personal ownership of the situation. While it’s hard to give you specific advice without knowing how this role fits into your current life and future plans, I think it’s important to ask yourself a number of questions:

The first question would be whether or not you are in the right job. A major dilemma for many call centers is that they recruit staff who are highly motivated entrepreneurs and then put them in a position and environment where this type of person gets bored and frustrated. This is particularly true in directory consulting positions where the nature of the work is highly repetitive in nature. There are many other call centers where the type of work is less repetitive and you may want to consider them. When we provide career guidance to people in the call center industry, we always go through a series of questions with each candidate and always find that the candidate has the answers within himself. He has taken the first step of asking the first question and now it is time to ask the follow up questions. Why are you frustrated? What can you do to change this? What resources do you have that can change this?

The second thing to ask yourself is if there is anything you can do to make the job less repetitive. You may not fully appreciate the importance of your role. With so many calls that seem to be very similar, it’s often very easy to see the role as a type of production line, but this is simply not true. It’s always worth remembering that the days of the free directory service are long gone and that anyone who calls you is calling because they urgently need help. If it wasn’t urgent, they would have looked up the number on the internet for free. If you look at the role from this perspective, I’m sure you have a lot to do to improve the caller experience and you’ll be surprised how rewarding it can be.

The third thing I would ask you is what you can develop yourself within your current role. Within all of us, there is a burning desire to learn and in this role, it may seem like you are not learning anything. If we’re not constantly learning and challenging ourselves, it’s very easy to get frustrated. I’ve been to so many call centers full of agents with a situation similar to yours and asked them what they can do to expand their own skills. Most people will normally remain silent, but the few who do speak up are usually the people with negative opinions. They feel that it is the responsibility of the company to provide them with opportunities to learn. While it’s true that successful companies actively encourage their staff to develop new skills, the ultimate responsibility for your own success lies within yourself. Based on the way you asked your initial question, it sounds to me like you already recognize this and are therefore already a step ahead of everyone else. Of course, skeptics might say that there are no development opportunities because of the way the company operates. A few years ago, I did some consulting work in Manila with what I would describe as one of the worst call center operations I’ve ever seen.

The day I started, the telecommunications manager (Paolo) resigned to go to work in the United States, where his salary would be $60,000 a year, which was $54,000 more than what he was making in Manila. I sat down and asked him why he was leaving, but I obviously had a feeling that money would be behind it. What struck me was not his reasons for leaving, but how he managed to put himself in such a position of opportunity. He had previously been a call center agent and realized he wanted more. Paolo’s shift ended at 6 am and he always spent 2 hours with the previous telecom manager in his spare time learning how the system worked. When the previous telecommunications manager left, he became the only person with any knowledge of the phone system and thus took over. The owner of the company did not increase his salary due to his new responsibilities but Paolo did not worry too much since he was still learning and knew what his life project was. Skeptics might say that this is an extreme situation for someone to have a 1500% pay raise and indeed it is. However, I can guarantee that anyone who can find enough compelling reasons to take control of their own development will. I can also guarantee that there are always opportunities to develop in any call center position. It’s just a matter of where you look for them.

The fourth and final question I would ask is “What can you do to help your team leader or others make the job less mundane?” At CallCentrePeople.com, we are one of the largest call center team leader recruiters in the country. It never ceases to amaze us how many team leaders believe their job is limited to sending emails, taking calls from supervisors, and doing paperwork. From your question, I am assuming that your team leader may well be one of these people. A good team leader spends so much time training his people that he would understand his frustrations and guide him in developing a plan to improve this. While it would be all too easy to blame the team leader, it’s worth appreciating that they likely learned their approach from their line manager, who also didn’t coach them effectively. So it’s worth thinking about how he might manage his team leader to help him work through these frustrations. A team leader who doesn’t coach effectively usually works in a reactive state dealing with problems as they arise and since he wouldn’t see your frustrations as urgent, then he would probably place a low priority on understanding them and working with you to overcome them. them.

In 2004, I was in a meeting at a call center that I was outsourcing some work to. While waiting for my meeting, I overheard a conversation through the paper-thin partitions. An agent wannabe was telling his overstressed team leader what he was going to do to support him after he had lost faith in his team. As the dominant agent on the team, he felt that he could encourage the team to work hard for him, but in return, he wanted the team leader to spend all his time at work sharing his knowledge with the team. He would not be allowed to spend any of his time on his computer. He even offered to do any reporting he needed to do on his spare time and, therefore, he would have no reason to be on his computer. He accepted. I watched as the two walked out onto the trading floor with the girl looking very pleased with herself. The following week, I had another meeting in the same call center. As I was being shown around the floor, the operations manager told me that one team in particular (which happened to be the team the two people I had seen earlier were on) had improved dramatically in one week in all areas from absenteeism and measures Of conversation. The team seemed much happier and even the team leader seemed much happier. I’m fully aware that many team leaders won’t be easy to manipulate in this way, but with the right approach, you can get your entire team to act in ways that make your job feel less mundane.

The next time I visited that particular call center was 5 months later. The team leader was still in the same position, but his team had been the 2nd best performing team for the previous 3 months and he had come up with some novel ways to empower his employees and he had also come up with some great ideas to make them work works. more fun environment. The only reason his team didn’t perform the best was because the agent who had given him the ultimatum had been promoted to team leader and his team beat him every month. Regardless of how your call center is run, everyone has the ability to develop and implement ideas that can make your day more fun.

Now that you’ve asked yourself all these questions, go back to the first question and ask yourself again “Am I in the right job?” Many people will now be much more positive about this question after the other questions have been asked.

What do you picture when you think of a mobile personal training business? Is it a pair of dumbbells and some boxing gear dumped in the trunk of your car, or is it a logo-wrapped van with enough gear to put a small gym studio to shame? Probably the latter based on what I see on the streets and parks these days.

The mobile personal training industry has evolved into a category within itself in recent years, with some trainers choosing to ditch the conventional gym environment entirely and focus their entire business outdoors.

So what is the fascination with outdoor training?

I spoke to a few mobile personal training entrepreneurs while researching this article and the consensus was simply that their clients prefer to train outdoors. They enjoy the variety of activities and after being cooped up in an office all day, they love the fact that they can spend time outdoors.

When deciding if this type of business will work for you, it’s important to keep in mind that the clientele you attract as a mobile trainer could be considerably different than the market for fitness centers or gyms.

Depending on your area of ​​expertise or the type of client you want to attract, you’ll need to weigh the opportunities, because if it’s bodybuilders you’re looking for, make sure you pack warm clothes for cold mornings, because they don’t show up.

I’m not suggesting you can’t introduce some outdoor training to your strength and power clients, 8 times Mr. Olympia Ronnie Coleman started a worldwide craze with his parking lot walking lunges! The target market for him should be the general population, regular people who want to get in shape or lose weight. If this type of client bores you and you don’t want to get your shoes dirty, then I suggest you stick to the gym.

So once you’ve decided that mobile training is for you, it’s time to decide what type of business you want to invest in.

There are opportunities these days to buy a mobile personal training franchise that has its positives and negatives. On the plus side, you buy an established brand and their marketing and advertising is handled almost exclusively for you. On the downside, there are startup expenses and franchise fees that can vary, but you can expect to pay up to 20% of your gross profit directly to the franchise owner.

If you choose to go solo as many do, then you need to consider the upfront costs involved.

First, you need a reliable and practical vehicle to transport your equipment. You may have to trade in the Miata or MX5 for something a little bigger. You will need to arm yourself with a variety of equipment; the basic would look like this:

* Boxing equipment: Gloves and focus pads.

* Light dumbbells: You don’t need anything too heavy

* Matt’s: For abdominal work, push-ups, etc.

* Hats or Cones of Witches: For running exercises

* Physio bands: Mobile resistance training

* Exercise balls: There are countless exercises that you can do with these

*Medicine Balls: Again, for a variety of reasons

* Mother Nature and your council can provide the rest

It can be difficult to find a place that is uncrowded, suitable and convenient. I suggest trying Google maps as a fantastic research tool where you can get a bird’s eye view of the type of terrain and natural obstacles available such as stairs, hills and banks etc.

Many municipalities also now have fitness equipment in their parks, such as pull-ups and other parallel bars.

As you can see, offering mobile personal training to your clients opens up a whole new field of business opportunities. Many trainers probably already own some of the equipment I mentioned above, and if not, there is always cheap used equipment to be found.

ben london

We have all heard of him: the American Recovery and Reinvestment Act of 2009, also known as ARRA. But what exactly is it, and how can it help your small business? For starters, ARRA is essentially a $787 billion dollar bill passed in February 2009 by President Obama to provide various investment and tax relief opportunities. More specifically, the full title text of ARRA is as follows:

An act that makes supplemental appropriations for job preservation and creation, infrastructure investment, energy efficiency and science, unemployment assistance, and state and local fiscal stabilization, for the fiscal year ending September 30, 2009, and for other purposes .

While many of the ARRA benefits are available for small businesses and individuals to use, it is important to note that the benefits are not automatic; In other words, they require you, as a small business or individual, to be proactive in applying benefits and fully utilizing them to help you put more money in your pocket (or at least spend less!) With that said, let’s take a look. Just a small sample of the benefits ARRA 2009 has to offer small businesses:

one. Using current losses to offset gains: Typically, when a business incurs losses, they can be used to offset taxes on the earnings for the last two years. However, this ARRA provision allows companies to use losses to offset profits over three, four, or even five years, depending on the circumstances. Given the financial hardship that the current economic situation has inflicted on many small businesses, this provision may provide much-needed financial assistance to small businesses in need.

2. Higher depreciation: You may remember the Economic Stimulus Act of 2008 as the Act that provided individual taxpayers with a one-time tax refund of between $300 and $1,200. Another aspect of this law included a “50% bonus depreciation provision for ‘qualified’ property purchased, manufactured, built, or produced in 2008.” The 2009 ARRA provision essentially provides for a carry-over of this depreciation benefit to 2009, primarily providing an accelerated depreciation schedule for fixed asset purchases. Thus, this provides an incentive for companies to make purchases of needed or desired assets such as equipment and computers, as companies can now use this benefit in 2009.

3. Work Opportunity Credit: Employers will have the opportunity to take advantage of a credit in the amount of up to 40% of the first $6,000 in wages paid to certain new hires. The catch is, these hires must come from one of nine specific “target groups,” including ex-offenders, disabled veterans, “disconnected” youth, and food stamp recipients. The great part about this is that the benefit is available in 2009 Y 2010.

Another area of ​​business opportunity is partially included in the “Work Opportunity Credit” discussed above and is a program I have recently had the privilege of using. My local county (San Bernardino) has been allocated ARRA funds to provide youth to work for businesses of all types and in various capacities. As long as your business has room for an entry-level employee where they’re allowed to hone a skill or learn a general business practice, this program covers wages and workers’ compensation insurance for youth ages 18-21 for up to 180 hours. This is a summer program, but will also be moving to a year-round opportunity. While the details of this program may vary by county or municipality, please visit the Career Institute at http://www.careerinstitute1.org/ for information on this program in San Bernardino County. The friendly staff can help you find young people to hire (for free!) or locate an equally suitable organization for your company.

While there are many areas of support for small businesses, ARRA also focuses on helping people with some very exciting programs. Although the focus of this article is on small businesses, since we are all individuals, let’s also take a quick look at some of these benefits:

one. Payroll Tax Credit (the “Making Work Pay” credit): Similar to the Economic Stimulus Act described above, this credit will provide $800 for joint filers and $400 for individuals. This credit will be phased out for individuals earning an AGI of more than $75,000 and for couples with an AGI of more than $150,000. Unlike last year’s check payment, however, this credit will come in the form of a reduction in tax withholding.

2. Credit for new homebuyers: This credit will provide first-time homebuyers with an $8,000 credit for home purchases made between January 1 and December 1, 2009.

3. Home Energy Credit: Homeowners who make financial out of pocket to increase the energy efficiency of their homes in 2009 and 2010 may receive up to a 30 percent (or up to $1,500) credit for such purchases.

Clearly, there are many other areas of benefit that the American Recovery and Reinvestment Act of 2009 has benefits reserved for both small businesses and individuals. A great place to start exploring these opportunities further is the official ARRA site, www.recovery.gov. From there, you can research various aspects of ARRA, including information about the unprecedented level of accountability and transparency included in the Act. Also, since a large portion of ARRA funds go directly to individual states, you can use the state, local, tribal and territorial information portal site to find more detailed information on programs available in your area. I personally encourage you to explore the ARRA-related Wikipedia entry, and more specifically a breakdown of the Act’s provisions, by clicking here. While Wikipedia is by no means a source of academic information, this page gives a great (read: simple) breakdown of the Act and where you will focus and spend your money, giving you a great springboard to conduct your own research and to benefit areas to discuss with your business and personal accountants.

In general, however, one of the best ways you can prepare to take full advantage of ARRA is to arm yourself with an understanding of the benefits the Act has to offer, and to take this information with you when you consult with your accountant or advisor. financial. plan. Since he/she is intimately familiar with you and your business, press this person on the subject of ARRA and encourage them to do their due diligence to discover how the many benefits of ARRA can help you and your organization.

Are you a new business owner, small business owner, or independent entrepreneur planning to hire employees? Perhaps you are confused about where to start? How much tax should you withhold from your wages? What are you responsible for as an employer? Let me help you figure out the basics.

The three basic forms you need for your new employees to complete are:

* Federal Form W-4, so they can indicate their filing status and the number of exemptions they want withheld from their paycheck

* Form I-9 to verify your identity (be sure to keep a copy of your government or state issued ID on file) and

* Your respective state form W-4 (check with your state department of revenue). For example, in New York, employees must complete Form IT-2104 to indicate their filing status and the number of exemptions they wish to withhold at the state level.

Check with your state Department of Labor to find out how to register as an employer. Once registered, you will be required to report all new hires. Find out if there are any additional requirements regarding Unemployment Insurance, etc.

The standard taxes that must be withheld from each paycheck are:

*Federal taxes

* Social Security (for 2011 this rate is 4.2% on the first 106,800% of the worker’s income). The employer’s portion is 6.2% and is paid quarterly.

* Medicare Tax (1.4% of employee earnings. The employer portion is also 1.4% and is paid quarterly.

*State income tax

*Local Income Tax if applicable. For example, in New York City, employees must pay local income taxes.

* If applicable, you may also be required to withhold UI (Unemployment Insurance) and/or SDI (State Disability Insurance).

quarterly presentations – File Federal Form 941 with the IRS and check with your State Department of Revenue to find out which forms you must file each quarter.

Annually – file Federal Form 940 with the IRS and file Federal Form W-2 and transmission form W-3 with Social Security and be sure to give your employee(s) their copies of Form W-2 to no later than January 31 of the following year.

It is important that you keep proper records to comply with the IRS, and you will need this information at tax time. It would be to your advantage to establish an employee database.

Means: You may want to download the IRS Employer’s Tax Guide, Publication 15 from the IRS website.

Today, buying a new car requires a large amount of cash. For those who are looking for one more alternative due to the tax bottom line, looking for a used car can be a great gamble. Of course, an old car, however shiny and shiny, can have hidden disadvantages.

Below you’ll find tips from several fine-tuned insurance professionals on how best to begin the job of buying a used car Nissan Dealership in Bridgewater.

8 Ways to Find a Great Deal on a Used Car

Before you buy a great used vehicle, do a private financial tally. Then focus only on purchases you can manage, either through financing or the full payment approach.

• Choose the ideal type of vehicle

Single people without children do not need a huge vehicle. On the opposite side of this corner, married people with children in tow can use a larger car. Recreational motorists, long-distance motorists, and highway or city drivers also have various requirements. Evaluate your unique needs, and then find the car that fits them.

• Check the costs and frequency of repair

Search the Internet to determine exactly what you should pay for car makes and models based on use and year. This search will even let you know what kind of vehicles need maintenance work and what kind has the least mechanical frustrations.

• Find out about the car’s past

Research the history of a specific car by placing it from the Vehicle Information Numbers. This can definitely give you a comprehensive report on past failures, owners, and documented maintenance and repair tasks.

• Evaluate the car by accepting it for a turn

Push your potential car purchase along a calculated path that includes hills, potholes, curves, and road maneuvers. In this way, you will get an idea of ​​what the total drivability is like. Recruit your favorite mechanic of choice by hiring them to inspect the vehicle for surface issues that a person like you might not have the ability to spot.

• Use your price negotiation skills

Use the knowledge you’ve gained from all your research on the car to negotiate a price that fairly reflects its true value.

• Don’t forget car insurance

Before finalizing the purchase process, speak with an experienced independent insurance broker about your auto insurance. After linking the coverage, register the contract, the coverage and you’re done. Don’t worry about the possibility of no policy on the way home!

Now that you get a new (used) car, treat it along with caring practices and remember to keep driving safety a top priority.

The most essential element of driving would be to reach the destination ALIVE! The risks become secondary when resisting death becomes the most important objective in a climate atrocity. Bad weather can have catastrophic results on specific lifestyles that do not adhere to driving safety precautions. The following would be the safety tips for driving in the midst of this bad weather:

• Evaluate your car or truck thoroughly before turning it off. Instead, any significant faults should be flushed to the service channel. Above all, the vehicle must not be stuck.

Happy driving!

Looking for tips on how to survive a breakup? I don’t blame you Getting over a breakup isn’t easy. The severity of the breakup depends on a variety of factors: how close you were with your ex, how long you were together, and how committed and involved you were in the relationship. Although the difficulty involved in getting over a breakup is different for each person, most people tend to have a difficult time dealing with a breakup.

1. Get closure

One of the main reasons many people have a hard time dealing with a breakup is because it’s really hard to get the closure you need. Your ex owes you the real reasons why he broke up with you. If you push them hard enough, they eventually tend to give out. If they just don’t love you anymore, that’s reason enough for you to walk away from them. Take it the best you can and move on. Do you want to be with someone who doesn’t want to be with you? Do you really want to be with someone who doesn’t appreciate you for the amazing person you are? You deserve better so go ahead and keep looking for the right one!

2. Cut contact

This is one of the most crucial parts of a breakup, but one of the hardest. It is common to pursue a recent ex with phone calls, text messages, emails, Facebook messages, etc. It will honestly drive you crazy. Very rarely will you hear what you want to hear. It will also make you seem desperate and needy, which will put them off completely. At this point, your ex will know that you want him back, which puts him in complete control. Take back some control by simply cutting off communication for good.

If you want to know how to handle a breakup the right way, you should avoid face-to-face contact with your ex at all costs. That means avoiding your usual hangouts and friends. This may be difficult if you see your ex at work or don’t live in a big enough city to completely avoid him all the time. If that’s the case, don’t do much more than say hello if you see them. Even if you have friends who are friends with your ex, avoid them for a while. Make it clear to them that it’s nothing personal to them and that you just need some time away from possible contact with your ex so you can move on with your life.

3. Focus on yourself

This is another very important step. You need to stop thinking about your ex all the time and focus on yourself. Life is beautiful, with or without your ex. Focus on your hobbies, friendships, work, and who knows, maybe eventually you’ll meet that special someone who’s just right for you. The latter should not be rushed, of course, but simply get back to your life and enjoy it to the fullest. Take care and let yourself feel happy.

If you really focus on the things that I mentioned in this article, I promise you that you will succeed. Remember that you can be happy and enjoy life without your ex. If you were fine before that partner came into your life, then you will be fine once again. It may not be easy at first, but you will get through it and get better. I promise.