An international freight forwarder uses their knowledge and network of carriers and shipping agents to ensure your shipments arrive on time and in compliance with federal law. Plus, their extensive knowledge of trade routes, agents, and carriers can result in significant savings compared to doing it yourself. Freight forwarders are shipping experts and coordinate on a daily basis with all types of goods and how to move them most effectively around the world. Unless your business has a dedicated logistics person who also spends their time moving goods every day, your business will benefit from using the services of a freight forwarder.

Save time and resources with a freight forwarder

Shipping and logistics can be extremely complicated and the regulations that govern international trade are changing rapidly. Air and ocean bookings can be handled by numerous carriers and there are tools available to international freight forwarders that streamline the process. Track and trace, online bookings and years of relationship allow a professional freight forwarder to book freight on the most efficient and economical routes in a fraction of the time it would take someone who only occasionally books freight.

Save money

By partnering with an international freight forwarder, you are taking control of your shipment with an experienced representative. Many companies leave shipping to their overseas supplier and in some cases this can be more cost effective if; your provider is a high volume carrier that has dedicated contracts at good rates and if your provider is really passing these savings on to you. However, you can only be sure if you take the time to shop around and explore what options are available to you. This is best done through an international freight forwarder who has the experience to understand what options are available. By partnering with a freight forwarder who understands your business needs, you can design a shipping plan that meets your time and cost needs.

compliance issues

It is important to have a solid understanding of the laws regarding imports and exports in each country you deal with. Failure to comply with these laws and regulations may result in penalties for your company. These penalties may include fines, fees, and a ban from doing business in a specific country. One of the most valuable benefits of hiring international shipping companies to help you with your shipping needs is their knowledge and experience with these topics. You can rest assured that your cargo will be transported in accordance with all rules and regulations, protecting you from any legal problems.

We, the investors of the world, have provided the funds that American companies have needed to finance their growth for the last two hundred years in exchange for the right to share in that growth and profits that were previously only given to owners. The relationship between investor and management has worked so well that an entire industry has evolved to meet investors’ growing needs for information and advice to help investors make sound investment decisions. The financial services industry, originally only available to the very wealthy, has grown over the decades to be the provider of investment information for an estimated 40% of American families.

Most financial advisors are affiliated with large investment firms that channel the firm’s collective knowledge, information and experience to their cadre of advisors for individual and institutional investors. In theory, this gave investors associated with large companies return potential that they could not achieve on their own or in association with smaller or independent advisers.

So the financial advisor who advised you and me was actually taking the “expert knowledge” of companies, tailoring it to our cleanup, and advising us where we should invest our savings to achieve our financial goals. We were told that since 1900, if you stayed invested in a well-diversified portfolio, you would never have less than when you started in any ten-year period.

So what happened in the last decade? Most of us lost a sizable chunk of our savings in the 2001 tech bubble only to lose more of our savings in the subprime bubble. The $100,000 we had in January 2001 dropped to $60,000 in October 2003, then increased to $80,000 in July 2007 and is now worth $40,000 today. We are eight years closer to retirement and we wonder how we will survive if we ever do retire.

Do we just plan to work for the rest of our lives? Do we work until we can’t get into Medicaid and welfare becomes a drain on the US economy? Do we take what we have left and develop a strategy and lifestyle that allows us to live a comfortable life without being a burden to our children and our country?

Personally, I think the latter option is the best option, but it will require an adjustment in our attitudes and lifestyle. One of the adjustments has to be in the way we look at the investment markets and our financial advisors. Whether or not you need to change your financial advisor, now is the time to evaluate the performance of your current advisor and decide if it’s time to make a change. I am talking about a financial advisor, not an investment advisor, there is less than 5% of the world’s population that should seek the services of an investment advisor. The investment markets are not a place most of us turn to make money; they are a place for us to preserve the capital we have left and grow that capital at reasonable rates of return.

The first step in choosing your new financial advisor is for you to decide what you want from your advisor after your attitude adjustment. Here are some of my suggestions:
o Help me preserve my remaining capital and grow it at a conservative rate of return.
o Help me live within my means and establish an investment strategy based on my needs and goals.
o Help me protect my family from loss of earning capacity or death.
o Help me and my family reach our financial goals before retirement.
o Help me accumulate enough to enjoy a comfortable retirement.
o Help me assess my need for long-term care insurance.
o Help me set up an estate plan.

Once you know what you want from your advisor, you’ll need to find a qualified provider. As in all professions, the first qualification to look for is education. Your potential advisers will have a Series 66 or Series 7 securities license, as well as an insurance license and a variable products license. A Series 66 allows them to sell mutual funds and a Series 7 allows them to sell stocks, bonds, options, and mutual funds. A Series 7 is a deeper course of study than a Series 66, so I would eliminate anyone who doesn’t have a Series 7 securities license.

Seventy percent of people who represent themselves as financial advisors stop studying beyond their licenses and their required annual continuing education. It’s the other 30% of advisors you’re looking for. These are the people with initials behind their names that represent professional designations. At the top of this designation hierarchy is the CFP (Chartered Financial Advisor) designation. A CFP is comparable to a master’s degree in financial planning; three years of study and at least three years of practical experience are required. To find a CFP in your community, go to: cfp.net/search. Other designations such as ChFC (Chartered Financial Consultant) and CLU (Chartered Life Underwriter) focus on specific segments of the financial advisory field. These designations are comparable to Board Certifications in the medical fields, and I personally would not put my finances in the hands of anyone who does not take their profession seriously enough to seek all the education available. This search can leave you with a list of three hundred to three hundred depending on the size of your community. I suggest you check out BestofUS.com, a website that lists the top ten professions in the United States. This should help you narrow down your list to a manageable number of qualified advisors.

Next, go to the NASD (National Association of Securities Dealers) website and search for their short list of qualified advisors. (finra.org/Investors/ToolsCalculators/BrokerCheck/index.htm) Here you can learn about your prospective advisors’ work history, licensing history, and whether they have had any legal or disciplinary action taken against them. We’ve been through some pretty tough financial times in the last ten years and a lot of good advisors have been sued, so use this information as a means of asking your potential advisors some tough questions. “Can you tell me what these topics are about?” Now Google your shortlist and see what you find; you will be surprised what you will learn.

At this point, you need to sit down with those left on your short list. Here is a list of questions to ask.

o What is your approach to financial planning? If they don’t address the “Help Me” points above, you’re not a financial advisor. If they start talking about managed accounts, sector investing, momentum, technical fundamentals, or options strategies, you’re talking to an investment advisor.

o What was your book of business value on March 1, 2008 and what is your book of business value today? Can I see support reports? They are going to ask to see your finances, it is fair for you to ask to see theirs and if you are down more than 25% you are in the wrong place.

o How do you get paid? There are only three possible answers here; commissions, asset base compensation, gold fees. Most will be a combination of all three possibilities; The one you should be aware of is commissions. Commissions can create a conflict of interest. Asset-based compensation means that as your assets grow, your compensation grows, or as your assets go down, so does your compensation. I liked that it results in a common goal. The fees will involve special work like a financial plan or a research project related to your specific situation, and that’s fair.

o How often will we meet to review my situation? This should be at least twice a year.

or tell me about yourself. How long have you been in business? Do you have any professional designation? Have you had any legal or disciplinary action taken against you? What is your work and educational experience? Have you written any books or articles that you can read? You know all the answers, just sit back and judge.

By following this process, you will find the best financial planner for you. You may end up with the person you have been using, but now you know they are qualified to provide you with the service you need from your new financial advisor.

Choosing your best financial advisor can be just as important as choosing your best doctor, so do your homework, then take responsibility for your decision. As it is the management of your health you have to take an active role in managing your finances; stay involved and understand everything.

As technology advances, how are you leveraging it to address the complex and changing needs of your business? It’s no secret that it’s easier – and “greener” – to do business with less paper, but the true value of digitization goes far beyond the simple consumption of paper and ink. A cloud-based workforce management approach can bring more value to your business than you think.

Old habits are often slow to die, but there’s no denying that paper-based organizations are often seen as backward and outdated. Manual time and attendance processing is inefficient, costly and time consuming. Fortunately, the advent of cloud computing means that flexible and simplified solutions are now within reach of most businesses.

Here are some benefits you can get by moving to a paperless labor management system:

1. Compliance and Accuracy – Helps you easily capture time and attendance data for accurate payroll processing and labor law compliance. You can eliminate error-prone manual calculations while maintaining the flexibility to meet the needs of your employees.

2. Workflow Automation – Streamline time-sensitive tasks like license requests and approvals. Increase efficiency by ensuring staff members are quickly notified when actions are needed. Boarding sequences can be scheduled automatically, scheduling and forecasting require fewer resources. Files are easier to access from workstations, making it easier to retain and retrieve records.

3. Increased self-sufficiency: Employees, managers, and HR staff benefit from paperless transactions. Self-service workflows give employees and managers access to the information they need to make informed decisions, while status inquiries and paper requests become a thing of the past. Employees gain access to scheduling, time balances, and PTO requests, freeing up time for supervisors and human resources staff.

4. Integrated Solutions: Gain insight into operations and enable more focused business analysis. Gain scheduling efficiencies based on workforce requirements. Measure actual hours against projections. You also gain insight into workforce productivity trends, enabling you to make smart decisions based on real-time insights, taking advantage of rich data collection opportunities.

5. Field Data Access – Increase productivity and ensure information is up-to-date regardless of workforce location. Cloud-based workforce management supports you wherever you are and is accessible across all types of devices, providing true responsiveness. Time reports provide critical information on employee payroll, scheduling, and historical trends.

6. Disaster recovery: In the face of disasters like fire or flood, know that critical documents are accessible and protected.

Finally, if your company believes it is important for the environment to reduce paper consumption and adopt a greener approach, going digital will not only reduce costs and improve productivity, but switching to cloud-based labor management can help. your company to do more with less, leaving a smaller environmental footprint.

“Find a job you love and you won’t have to work a day in your life”
Confucius – 551 to 479 BC

The famous Chinese philosopher Confucius wrote those words more than 2,000 years ago, but they have never been more significant than today. The world has changed drastically since the days of Confucius, to the point that no one should accept a job they don’t enjoy.

If we simply review the events of the 20th century, it is easy to see that humanity has grown and evolved to allow human beings to enjoy the best of everything. The 20th century saw World War I, World War II, the Korean War, and the Vietnam War. The atomic bomb, intercontinental ballistic missiles, machine guns, and plastic explosives were created by 20th-century inventors. War on a global scale became the norm and during the cold war of the 1960s, 1970s and 1980s, the world feared that an all-out atomic war could end civilization as we knew it. But all that has changed…for the better!

Now, in the 21st century, the cold war is over and apart from some protracted skirmishes in the Middle East and the constant threat of terrorism, the world powers have laid down their weapons of mass destruction and are working for a world where life is good. for all. Across North America, races of all creeds and colors live and work together with less prejudice and greater tolerance than ever before. Education is available to virtually anyone who wants it, and private and public funding is available to ambitious and hopeful entrepreneurs who want the chance to turn their innovative ideas into viable business ventures. Bill Gates founded Microsoft Corporation in a garage with his partner Paul Allen, eventually building it into one of the most successful companies in the world and making Gates and Allen two of the richest men in the world. True to Confucius, they found the work they loved and I suspect in their minds, they never worked a day in their lives. Like the founders of Microsoft, your dreams are possible! This is the best time in the history of the world for you to find the best job for you!

Entrepreneurship is not for everyone, but no matter what you do or who you work for, you have the right to be happy. Not every person has the inclination, ability, or drive to start and run their own business, but everyone has some kind of talent or ability that is driven by their own inner motivation. Those talents and skills will add value to the right employer if he chooses her job wisely. The challenge many people face is that they are willing to settle for a job that in no way suits their natural talents, abilities, or motivations. When people settle for a job they don’t like, they feel restless internally. Many people feel unhappy, frustrated, bored, depressed, or even angry at the thought of having to go to work every morning. Many people exhibit bad behavior and negative attitudes at work, inflicting their lack of job satisfaction on others. The saddest part of this is that many of these people never really think about what makes them unhappy. They simply accept that something is missing in life and continue to settle down until they retire or die. Ultimately, their dissatisfaction will spread throughout all facets of their life and they will begin to find fault wherever they go. For those people, a miserable life becomes an ingrained lifestyle and some even embrace their misery as a badge of honor. “Wow, it’s me!” You know the type!

For the madness! Solve what you like to do; What are you good at; What makes you happy; and then find a job you like. The perfect job is out there for you if you have the courage to go looking for it. If you don’t know where your strengths lie, take a skills and talent assessment survey to identify what motivates you. Stop blaming your employer for your lack of job satisfaction and work with him or her to change her job to suit you or quit and find something that works for you. You have no one to blame but yourself if you are dissatisfied or unhappy at work. If you choose to stay in a job you don’t like, you will have the hardest job in the world!

Remember Confucius: “Find a job you love and you won’t have to work a day in your life.” Up to you!

Tips to save the marriage it can come from many sources. But which of those sources can you believe? And can any of them hurt your marriage MORE?

There are very few things in life that are more heartbreaking and devastating than a divorce. Statistics show that divorce rates are at an all time high. Everyone has their fair share of problems. Singles, couples, marriages, etc. Can you imagine what life would be like without your spouse?

As difficult as it may be, keep it in mind when looking for tips to save your marriage, and it will give you the motivation to keep going. Because you’re having such serious problems right now, this article provides some great marriage-saving tips.

Have you ever heard the saying “If you fail to plan, then you plan to fail”. When I first heard that, I thought it was ridiculous. But the further I got in life, the more sense it made. You have to think of ways to do what you want to do. Right?

For example, imagine that you are going to do the shopping. Do you have a list of things you need? Or do you just go in and buy what looks good right now? What happened when you brought the purchases home?

When you planned what you wanted, you probably got most of what you needed. If she didn’t plan it, she probably just remembered a little bit of what he needed and ended up having to go back to the store.

Before you even start looking for marriage saving tips, you need to know what to look for. If you’re just looking for marriage saving tips, you’ll find tips for everything from gambling to boredom. Think about what is really going on in your marriage.

There are many different types of marital problems, but what is the problem in YOUR marriage? If you can talk to your spouse about your thoughts, it will be easier. But you can do it on your own when needed.

Usually (not always) when a marriage reaches this point, there are several problems. Take some time to think about these issues. Problems this big don’t happen overnight. It took them a while to develop to this point. Right now, we need to go back in time a bit and find some of the smaller issues, the ones that started this whole mess to begin with!

Think of one of the biggest problems you are having right now. Reduce that a bit. For example, you two have money problems. What led to this? Have any of you lost your job? Are there unnecessary expenses? Is there an addiction to wasting money?

These are all minor issues. You’re now closer to finding the root of the problem (or one of the problems), so you can fix the massive problem you’re trying to solve right now. Smaller problems are much easier to treat. Of course, the best marriage-saving advice is to prevent these problems from getting worse, but that’s easier said than done.

Because you have identified at least one minor problem, you can begin to take steps to fix your marriage. If you have money problems, then start to see why. In today’s economy, many people are facing job loss, foreclosure, etc.

The most practical advice to save the marriage is for BOTH of you to talk about what’s going on. I know from personal experience how difficult it is to even bring up the subject of money, but you have to. If there are family problems, then deal with it. WHY are there problems?

Try to make some kind of peace within the family. If the problem can be resolved (for example, someone said something that hurt someone and it was never resolved), then talk to that person. Not all, but many family problems are misunderstandings.

You were very much in love at the same time: close your eyes and remember those times. Allow yourself to remember those feelings. Believe it or not, getting those feelings back will help you save your marriage faster. Those feelings are not gone, they are still inside you two, they are just buried under all the pain and stress that you have right now. As you remember a good time, remind your spouse of it. Recreate it, if you can.

Of course, bringing back good memories won’t take away your problems. But it will make them both want their marriage to work. It will put things in a different light, so to speak, and you will be able to find ways to solve the problems you are dealing with.

Growing up, we had this fantasy image of marriage in our minds that married couples were happy. This is how life ‘should be’: grow up, go to school, get married, have children, live happily ever after. THE REALITY, on the other hand, is quite different. OBJECTIVE…

It would be very easy for me to say ‘remember the good times and forget the bad times’. You really can’t do that. But because she is seeking advice to save the marriage, she knows, in his heart, that his marriage can survive.

Whether you are a corporation, LLC, or a sole proprietor, there may be advantages to filing a “Doing Business As” or “DBA” for your business.
What is a DBA?

DBA stands for “doing business as” and is an official, public registration of a business name. DBAs are also known as fictitious names, fictitious trade names, assumed names, and trade names. Essentially, a DBA is a business name that is not the name of the owner or, in the case of a corporation, a name that is different from the corporate name on file with the Secretary of State.

What are the benefits of filing a DBA?

A DBA makes it easy:
o Open a bank account and cash checks and payments payable to your business
o Have a more professional appearance by establishing a separate business identity
o Begin marketing and advertising under a name other than your personal or corporate name

What is an example of a DBA and how is it used?

If you were a sole proprietor named Jane Brown and your business name was “Donuts Unlimited”, you would register your business as Jane Brown and do business as “Donuts Unlimited”.
I already have a name for my corporation or LLC. Do I need a DBA?

If you have a corporation or LLC and want to do business under a different name than your business, most states require you to file a “Doing Business As” or “DBA” name.

For example, if an LLC does business under the name “Studio City”, but the corporate name is “Pinnacle Projects, LLC”, then a DBA must be filed for the name “Studio City”. This DBA filing must be made in the county or state (where applicable) in which the company’s registered office and principal address are located.

What information is required for a DBA filing?

DBA filings will generally contain the applicant’s name, filing date, fictitious company name, and company address. Submissions can be made by individuals or companies. In most states, you must first file DBA documents with the appropriate government entity, along with a state or county fee. In some states, you must also publish the name in a newspaper to give notice of the new business name.

Fact: Job descriptions can be hard to write even if you’re a professional. However, many employers come to our recruiters after a job posting fails. Subsequently, these people feel that their job advertisements did not show the success that they would have if they had written it a little better. This is not the case.

To really nail a job description, you need to be in the 99th percentile. Our recruiters have access to post for free on almost every job board from here to New Zealand. We normally don’t post more than a few jobs per client because they are simply a waste of time, ironically done by contractors hoping not to waste money.

However, that doesn’t mean your job description should go to waste. Many companies, regardless of size, have trouble “recruiting” the best candidates in the market because, by meeting these people, interviewers have sometimes not taken the time to explain the benefits that the employee will receive, both in monetary terms as personal. working with the organization.

When formulating these “job descriptions,” focus them on the benefit of the person who will get the job, rather than having the attitude (or making others perceive) that the job search process is all about the hiring party.

At the time of the interview, if you focus on getting the interviewee interested and committed to the position, they will inevitably be more relaxed and therefore more open in terms of the answers to your questions. If you can get a job applicant to commit to the possibility of working at your company during the initial rounds of interviews, you will enter the final decision-making process with a tremendous amount of extra ammunition to help you make the right hiring decision. .

One final tip regarding job descriptions is to avoid generic adjectives like “best” or “excellent!” Even if you spend an hour in front of a thesaurus, I can almost guarantee that you can make your company an absolute All-Star when it comes to job seekers who are in active demand to become part of your organization.