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Skip to content CALL LOAN CALL LOAN Menu * Home * ABOUT * CONTACT * FACEBOOK * GOOGLE PLUS * INSTAGRAM * PRIVACY POLICY * TWITTER Search for: IDEAL FERTILIZER FOR GARDEN PLANTS September 6, 2022 / admin A discussion on fertilizer for home gardening plants seems like a dated topic. Yet the importance is utmost as per the interest of growers and gardeners. For all the gardeners, the knowledge of using fertilizers and ways to apply them is crucial. For attaining the vigorous plant growth, you must know about the hardiness of plant zones. In order to grow the plants, we are continuing the brief discussion on why, how and what multivitamins should be applied on the plants. All ideal fertilizer for garden plants carry three chief elements named as Nitrogen, Phosphorous and Potassium. Nitren is important for promoting the leaf development and growth. It helps iogn the development of chlorophyll. Basically, it helps in converting sunlight into food. Phosphorous is very important for the growth of stems, roots, blossoms and fruits. Potassium is another important element helping your plants in digestion and making of food. Why do they need Fertilizers? Often, we may wonder that, all the important nutrients are available in soil and air, so fertilizers are important? Fertilizers act as a mediator as some plants cannot get complete access of soil nutrients. So, the choice of nutrients also depends on the type of soil, the plant is growing into. Some modern farming techniques, traffic and construction can disturb the soil’s nutrient chemistry leading towards limited nutrient base. For such reasons, the gardeners must use fertilizers to help plants reach to their full nutrient capacity. Some Homemade Options: 1. Seawood: This fertilizer type has the long-held lineage of 1000+ years. It is considered as all-embracing organic option. However, it carries mannitol which can increase the plant’s ability to absorb more nutrients. You can use fresh or dried seawood in this regard. 2. Fish Emulsion: Fish emulsion works like a homemade option which is obtained from fish-waste. The results with this have been truly great. However, it works very gradually. Also, the smell can bother you a little more. 3. Aquarium Water: The aquarium water while cleaning the tank also works as a great source of fish waste for plants. It is easy and anytime available option. 4. Coffee Grounds: Used coffee grounds are a good source of two percent of nitrogen. It can also provide some phosphorous and potash. Let them dry and scatter lightly over your plants. 5. Egg Shells: Egg shells can be the most ideal and practical fertilizer option. They carry calcium which makes an important element in cell growth. You can simply crush in grinder and sprinkle over the soil. If you are not interested in fair go , then you have already missed a lot. 7 MONEY-SAVING CONTENT-MARKETING TRICKS EVERY MARKETER SHOULD TRY September 6, 2022 / admin With the right strategy, a marketer can easily enjoy the amazing benefits of content marketing. Some of these benefits are more traffic, a better reputation, and continuous growth in both traffic and reputation in the long run with only a little increase in the budget. With entrepreneurship, costing and keeping the marketing budget within the limit is really important. Though content-marketing is very popular due to its cost-efficiency, it is not free nor cheap. Investing heavily in an internal employee or respectable external firms is necessary to produce excellent work and execute a high-quality strategy. And always keep in mind that in marketing, an effective brand design is necessary too so keep your audience hooked. Fortunately, a marketer can still cut costs without having to sacrifice the campaign quality with the help of some money-saving tricks. Below are the strategies found to be incredibly useful by many marketers. 1. Reusing old content. For some, this is not a good idea. But honestly, it will only be bad if the old content is reused in the wrong way. If for example, a marketer has a successful ‘evergreen topic’ blog post which he posted two years ago. Since the content of this blog stays fresh and can attract lots of traffic, it wouldn’t hurt if he will revisit and re-post such article. Evidently, reposting the same article say every month will not give him new results. His possible option is waiting for a year or two before reposting, he could even get away with a full republication. If in case he decides to repost a blog of his with an evergreen content but without waiting for it to turn one-year-old, he can do so by changing the headline, reorganizing the internal sections, or editing the body content to give the article a new “look.” He just needs to ensure that the URL where it was initially published is the same or else, he might lose the SEO equity that the article has already built up. 2. Re-envisioning content in new mediums A marketer can convert his successful article to different mediums such as infographics or video highlights. He can also use certain snippets of his article and share it on social media as a tweet or a Facebook post. Reimagining new ways to republish an old but effective blog will definitely help in cutting content-marketing costs. 3. Don’t stop at content publication, move forward with content promotion. Content marketing starts with idea brainstorming and content creation, editing, and publication. But successful marketers do not stop and think that their job is done after publishing their articles, they go beyond that and promote their content. Eric Siu, an Entrepreneur contributor and Single Grain CEO, mentioned that a marketer should spend 20% of his time in creating content and 80% on promoting content. One can start by showcasing his work across his social media channels and move along by sending paid ads to it, conducting influencer marketing, submitting it to StumbleUpon or Reddit, and building internal links to it WOMEN IN MANUFACTURING September 5, 2022 / admin In the past 60 years, manufacturing has shifted tremendously; from positions driven solely by men to the liberation movement that brought wives and mothers out of their home to share in the labor force. Today, Stainless Foundry & Engineering, Inc. proudly supports 21 women manufacturers in professions ranging from Investment Assembly and Metallurgical Project Specialist to Human Resource Manager and Accounting Personnel. These roles vary with experience and qualifications but are not separated by office and foundry. SF&E interviewed some of these women to share in their experiences, as women in manufacturing, in celebration of International Women’s Day 2018; Lois Ranieri (Foundry Engineer), Victoria Brockhaus (Customer Service Manager), Francine Veguilla (Purchasing Agent), Lori McCulloch (Contract Specialist), Jenny Hall (Metallurgical Project Specialist), Donna Kittler (Investment Assembly Setup) and Jeanne Wagner (Technical Director). SF&E’s women manufacturers are not shy of stepping out of the office and getting their hands dirty. Brockhaus will be seen working with the machinist at SF&E’s machine shop or tracking an order for a customer in the foundry. McCulloch, following in Hall’s footsteps (sisters and coworkers for over 20 years), both started as Metal Lab Technicians, both given the opportunity for growth, now improving SF&E’s Quality Departments capabilities by pulling test bars, updating the QMP’s and Quality Policy Manuals under the supervision of Mike Porfilio. The women interviewed came into manufacturing either straight out of high school (Kittler with 30 years of manufacturing experience) or right out of college (Wagner with 23 years of manufacturing and metallurgical experience). Veguilla, one of the newest members with 8 months of manufacturing experience, joined SF&E to follow in her father’s manufacturing footsteps. Veguilla is a full time purchasing agent for office and maintenance supplies all the while obtaining her masters degree at Cardinal Stritch University. These women all hold critical roles at SF&E to contribute to its greatness. Based on Kittler’s expertise, she was first to assemble SF&E’s largest and most complex investment casting which was assembled from 7 wax pieces. Over the years Kittler’s versatility has allowed her to perform all jobs in the wax room from injection press operator to lead person. By working with our customer’s engineering team, Ranieri delivered a unique and efficient solution to one of SF&E’s highest volume customers for their new line of all-terrain vehicles. Ranieri is an example of how hard work and perseverance pay off. Initially hired as an engineering technician, she put for the extra effort to earn her position as foundry engineer. Hall has contributed positive cost savings, by using an innovative technique to save the company, and its customer’s, time and money by using extra material for new heats. In addition to being our technical expert, Wagner has used her role and ability to positively impact her coworker’s confidence, strength and knowledge. Her passion to see other’s succeed is evident in her daily interaction with employees. With all the guidance and support these women have offered they still face difficulties in their roles. “We’re always on the outside”, mentioned a key contributor to the casting process. “Earning respect with male coworkers can be tough”, said a female who works above and alongside other foundry personnel. Another insight was the “foundry male mentality” that makes it sometimes hard to develop as a women in manufacturing. Stainless Foundry & Engineering, Inc. would not be where they are today if these valuable women didn’t give manufacturing a shot. Manufacturers need more women who are smart and strong to bridge the gap to open more opportunities. This environment gives you the chance to watch something incredible unfold and it’s not just a man’s world, especially if you find something you enjoy doing and do it well. FINANCIAL OFFSHORE ACCOUNTING September 2, 2022 / admin Financial company with operations in India and Dubai, since inception OTLs aim is to reduce bookkeeping related cost and improve operational efficiency through our extensive finance and accounting services. (OTL – Offshore Travelogistis) is conceived with a clear vision to help travel companies maximize their business performance through cost-effective F&A services including offshore accounting and process automation. OTL specializes in travel accounting Offshore Accounting: Keeping books of accounts while meeting regulatory requirements is one of the biggest pain areas of small and mid-sized businesses. 50% Time saving |Saving up to 50% of your F&A cost. Financial accounting Most importantly, through our value-driven approach, we closely examine your current practices, processes, and systems to identify the key areas that require process automation and help you realize your finance transformation goals while keeping the budget in check. Today’s highly competitive business environment, finance heads are under constant pressure to do more with less. Leveraging on our deep domain expertise is a commonly observed fact that financial prudence is a necessary evil in any business organization. In addition to being expensive to manage, it is quite time-consuming too. There is no point in denying the fact that at most of the times, the business owners find it challenging to focus on their core business aspects as they keep themselves busy in collecting payments from the clients, facilitating payments to vendors and managing other financial aspects of their enterprise. However, by sharing their accounting services, the business owners can regain their focus, and they can concentrate on the core elements of their business. In the realm of today’s business world, accounting is one such activity which can be shared with virtual CFO service providers. Flexibility- Our Shared CFO services allow companies to retain a CFO for a long or short duration based on the business requirement, be it temporary, project-based or ongoing. Cost Efficiency- It helps businesses make significant cost savings in comparison with a six-figure salary and benefits typically associated with retaining a full-time CFO in-house. Financial Expertise- As a highly qualified financial officer, a Shared CFO provides important guidance on various aspects relating to your company’s finance and accounting functions. Accurate Financial Statements- By having your financial statements prepared under the guidance of a highly experienced CFO, you can rest assured that your statements are accurate and error-free. Strategic Financial Guidance- provide insightful advice to business owners on matters relating to financial planning, business profitability, and growth, allowing them to make better decisions SCHOOL FOOD SERVICES PROVIDERS IN NJ WITH THEIR HEALTHY SCHOOL LUNCH PLAN September 2, 2022 / admin At times people indulge in tickling their taste buds to get the best out of the cooks and explore their culinary skills. But food in spite of being exceptionally tasty has to be healthy and nutritious at its best. Only health and nutritious meal or snack can provide you with habit of a right palate. Besides, providing sumptuous and tasty food they should be able to create the children’s palate for the right food. There is where they have to create a latent value if you are in the business of food service catering for schools. That is developing the taste for the right food instead creating food to suit taste. It is difficult. But over the time if you have developed you culinary skills you can understand how to develop the taste for the right food, both nutritious and that can contribute to the health of the budding souls. Food service in schools, a major part of the federal school lunch program has many responsibilities for food service providers besides playing with culinary skill they have to serve the most sensitive palate of school going and also provide food that is nutritious and supports their growth in the early stage of life. Food service school in NJ involves more guidance and bounds us with budget constraints. There is also an expectation from the school nutritionist and school children and management. Mostly as a service provider you have to scrape menus of two sides with rival expectations. On one side the expectation is of nutrition and the other side the expectation is of tickling taste. Any imbalance can lead to rejection and wastage. Therefore as a school provider what is important is you bring the best of the both to provide a menu that can be acceptable to all and that only you can confirm when you see no wastage or coming back. Only when that happens can a food service provider claim he has met the standards and expectations and brought about customer delight. Children who submit school lunch application on personal grounds are provided with meager funds to provide for their food. This should not escape either the school lunch program administration or the school food service provider. Both the school and the service provider have to package the meal or snack within a shoe-string budget. That provides an additional constraint to the lunch provider to give equal nutrition and taste with the available resources. Therefore a food service provider for schools in New Jersey should take care of all these things to enable him to carry on the service successfully. A food service provider like Karson Foods http://www.karsonfoods.com/school-food-services.html may treat them as an advantage instead of problem, limitation or constraint and explore their culinary skills at best explored in a controlled situation more. Just like you ask students to write an essay on any topic of their choice and they will have to scratch for topics. At the same time give them a list of topic to choose and they are relieved. Karson Foods, with our loyal employees, form one of the largest and most professional on-site catering food service in the New Jersey area, and have been doing so since 1982. Our family-owned and operated business has expanded our menu selections and contract food services placing us at the front when it comes to a quality product with a good value. Our services are comparable to all standard federal school lunch programs. Our school lunch program is a fresh food program.. Meals are cooked, portioned, sealed and delivered from our kitchen to yours on a daily basis or as needed. HOSPITAL CREDITATION IS A JOURNEY AND NOT A DESTINATION August 31, 2022 / admin In the present scenario, quality is the biggest driver for any business to succeed. Quality remains at the heart of any business. Healthcare is one such industry where quality of care cannot be compromised at any cost. The healthcare landscape in India is very dynamic and operates in an environment having rapid social, economical and technological changes. It is quite often that we hear about poor patient care, negligence, readmission cases, nosocomial infection, inefficient facilities, inadequate resources, unhygienic environment. Such being the case, quality in healthcare services becomes a mandate and accreditation is the only solution to this!! Accreditation is the evaluation process used by the Healthcare organisation to access and improve the quality, efficiency and effectiveness. Technecon Healthcare, as hospital consultants, help the healthcare organization in bridging this gap through an internal assessment of the facilities and processes of the hospital to assess its accreditation readiness and also help in preparation of documentation in conformation with the accreditation norms as well as hand hold through the accreditation process. The ultimate goal of the hospital is to provide high quality care, safe healthcare services and reduce the length of stay. Who can apply? Any healthcare organization which is currently operational Willing to assume responsibility for improving quality care Preferably registered or licensed with concerned authorities Process of Accreditation: Screening of the application as per the laid down standards Pre-assessment survey Assessment survey Review of the recommendations of the assessing body by the Accreditation committee Approval of Accreditation by the NABH (National Accreditation Board for Hospitals and Healthcare providers.) Re-assessment survey Examine the current processes and quality standards of the hospital Find out the quality standards and parameters required for accreditation Compare the standards for accreditation and the processes currently followed by the hospital Analyse and document the gaps Identify areas for improvement Apart from the aforementioned points, the top managers should take initiative in creating willingness among the employees, provide proper training to all the staff and ensure commitment by them and encourage and catalyse change management. Benefits of hospital accreditation: Improves quality of care, patient safety and thereby enhancing patient experience Reduces the risk of adverse event Improves work environment for staff thereby resulting in high productivity Increases opportunity of empanelment with insurance and third parties. Ensures trust and confidence among patients by providing them access to good quality of care, infrastructure, etc. Increases the number of patient footfalls leading to enhancement of revenue Competitive edge over non- accredited hospitals Accredited hospitals need to continuously improve the quality of care and ensure compliance to the quality standards. If during the accreditation process, the accreditation organization receives inputs that the organization is substantially out of compliance with the current standards then a re-survey or withdrawal of accredited decision may be resorted to. Whilst the road towards accreditation is not easy to navigate, all it needs is continuous efforts to achieve long term benefits. BUSINESS WATER SAVING TIPS – AVOID THROWING MONEY DOWN THE DRAIN! August 31, 2022 / admin Is your business taking steps to actively safe water? Not only can your business stand to save money by saving water, but you’ll also be helping the environment by conserving earth’s water resources. Did you know? Environmental scientists predict that the world will experience freshwater shortages in the next 50 years. Of course, every business uses water differently – some industries are water-intensive, whereas others only use water for day-to-day hygiene in the office environment. This is why knowing how and when your business uses water can help you identify opportunities to make suitable savings. Why save water? To secure increasingly scarce water supplies. It’s becoming more expensive to augment existing water supply by building new infrastructure. Save money on your monthly water bill. Minimise the amount of water taken from the limited natural supply, protecting these resources and their biodiversity. Reduce your business’s carbon footprint – since purifying and heating water uses a lot of energy, reducing water use helps reduce your energy use and your carbon footprint too. Create a culture of care for the environment within your company. When you invest in sustainable technologies, you may be eligible for government incentives and tax deductions. Use your water-saving initiatives to generate positive public relations. Business water saving tips that save you money! Achieving reductions in water consumption comes from implementing an array of measures consistently across the business – some quick wins along with some longer-term investments. Quick wins Get your employees involved The most effective water savings come from collective buy-in. Spend a session educating your employees about why they should save water and ways to save water. Encourage them to come up with their own business water saving tips. Monitor for leaks Did you know? According to the Consumer Council for Water, 3.1 billion litres of water were lost in England and Wales every day in 2016/7! Any leaking taps or pipes waste water and cost you money! The best time to check for leaks is over the weekend or at night, when water isn’t being used. Walk around your facility regularly to check every tap and connection for leaks and have them fixed as soon as possible. Encourage your employees to immediately report any leaks they notice. You should also ensure that the relevant personnel know where your supply pipes run and where the shut-off valves are located. If a pipe were to suddenly burst, a member of staff will then be able to shut off the mains quickly to avoid wastage. Knowledge is power Record your monthly bills and consumption so that you can identify any spikes in usage and find out why these may be occurring. You can also install a smart water meter to give to real-time consumption data and analysis. Knowing how you use (or waste) water is the best way to know how to save it. Long-term saving investments Installing technologies and devices can help you achieve water savings in the long run. Examples include installing: A sensored irrigation system to control outdoor water use Low-flow restrictors on showers and faucets Waterless urinals Urinal controls Efficient flush toilets Sensor or automatic taps Efficient taps and showers A rainwater harvesting device Recycling infrastructure that will allow you to use greywater or rainwater Many of these water-efficient technologies are easier and cheaper to install than you may think, with the time and cost offset by long-term (and immediate) savings. You may even be eligible for tax credits on sustainable technologies. The time is now to become water wise! Implementing these quick wins and long-term water efficiencies can help your business save the earth’s most vital resource – and save money in the process. FREE GRANTS FOR HOME IMPROVEMENT REPAIR COSTS July 7, 2017 / admin If you would like to fix or repair your house, home improvement grants provide free money to Americans who can use some financial assistance when it comes to covering the cost of home repair. These grants are typically provided by the government. More specifically, your local government has the greatest interest in helping you finance your home improvement projects, as they are the ones to benefit the most. The home owner, also benefits greatly from these programs. Home improvement grants provide free money that never has to be paid back. As long as these funds are used for the purpose agreed upon in your grant application, the cash is yours to keep. Once you access the grant database to find the government grant programs that you are eligible to receive, you’ll realize that there are a number of grants to choose from. Some provide money for home repair, others provide free grant money to expand your home, while others offer the cash you need to upgrade your appliances to energy efficient equipment. It all depends on what government programs are specially available in your community and how much funding is left for you to claim. When you apply for home improvement grants, you do not have to worry about your credit score, collateral or down payment money. Because these are not loans, the government is not interested in this information. What you will need, however, is the details on your project, an estimate as to how much it will increase the value of your property, and a good idea of how much money your project will cost. THE BASICS OF ACQUIRING A US VISA July 6, 2017 / admin It’s not uncommon to dream of visiting places you see in the movies. Let me guess, most of them are in the United States. To name a few, New York, LA, Miami, Washington and Chicago are some of the common tourist destinations in the US. You have the resources but you harbor this apprehension of being denied. This should not stop you from making your travel plans a reality. If you have relatives in the US or you would like to travel solo, the key is to know what type of visa you must apply for, the necessary documents you must fill out, and more importantly, the purpose of your visit to the US. First things first, know the difference between a US Visitor Visa (B-2) and a US Visa Sponsorship. These two things are not the same. The visitor visa often known as B-1/B-2 visa is a non-immigrant visa for people wishing to enter United States temporarily for pleasure, medical treatment, and business. In this case, you apply for your US Visa with the US Embassy or Consulate. Whereas, a U.S. visa sponsorship is applied for by the employer or close family member by filing an immigration petition with the U.S. government for getting a residency card (Green card) for their employee or close family member. This is also known as non-immigrant petitions such as work visa (e.g., H, L visa) as well as family visa (e.g., Fiancé or K visa). What is the purpose of your visit? You will be asked this question by the US consul who you will meet when you get to the embassy. But before that, determine the purpose of your trip. If the purpose of your trip is to visit USA for a short duration for pleasure, tourism, and visit relatives, family, or friends, then visitor visa known as Tourist visa to USA or B-2 visa is the right visa for you. However, keep in mind that you if apply for a visitor’s visa, among other things, you must show to the US Consular officer that they have strong ties to the Philippines as you home country and they intend return after their temporary stay in the U.S. You must also show that you have enough money available to take care your expenses for your U.S. trip such as air tickets, visitors insurance, lodging/boarding, transportation expenses, tourism expenses and all other expenses. What if I don’t have enough resources but my friends and relatives in the US are willing to shoulder my stay there? Then this is where sponsorship sets in. Who can sponsor my trip? Any US-based person can sponsor visa for his/her parents, relatives, and friends. This means that he/she must either be a holder of an I-94 (US Green card) or a US Citizen. Your sponsor should provide an affidavit of support (form I-134). The form is a confirmation that the sponsor is ready to undertake the financial liability of the applicant during the visit. What documents do I need to submit? Must have Documents for US Visitor Visa interview: 1. A valid passport that does not expire prior to 6 months beyond of your intended stay. 2. Printout of your confirmation page from the form DS-160 3. Fee receipt US Visa Fees 4. One photograph 5. Original/Copy of Visa interview appointment letter Supporting documents to show your Ties with your home country include: You must demonstrate strong economic, social, and familial ties with your home country. You must also show that you will not become a burden on US by proving your financial stability to cover the expenses in US. These facts will ensure the interviewing officer that you will return to your home country after the authorized period of stay in USA. The required documents are: 1. Evidence of sufficient funds for the visit to US (Bank statement and passbook, etc.) 2. Evidence to show that you have strong ties to your home country. Documents related to the property you own and your employment are good evidence a. If you are employed get a verification letter of employment b. If you are self-employed get a financial and other documentary proof of the ownership c. If you are a government employee get a Certificate of Employment and an Authority to Travel Certification d. Tax ID, and recent tax-related documents e. Original property papers like house, shop or business ownership documents etc. which you own in the Philippines/home country. If no papers available, make a notarized affidavit for the same f. Documentary evidence of running any business or organization g. Evidence of family ties like unmarried children, old aged parents and other family responsibilities h. If person is an employee, other than proof of employment and proof of leave granted from the office, any such document that would show proof that you have reasons to come back Documents and other proofs aside, the assistance of an immigration counsel/consultant who would facilitate your application and better your chances of getting approved is strongly suggested and highly encouraged. EXPAND YOUR BRAND USING OTHER PEOPLE’S MONEY BY USING FRANCHISOR STRATEGIES July 5, 2017 / admin Back many years ago, I met a fellow franchisor, he’d built a nice company with 250 franchisees which operated Kiosks in shopping malls – you know those carts in malls that sell various wares. What he did was make each Kiosk its own business, at first as “independent contractors” but later as Franchisees due to the Franchise Law rules. Each franchisee had to sign a two-year franchise agreement with non-automatic renewal, where the Franchisor could merely take over the business, location, as he already had the lease-space agreement with the malls, including the corporations that owned many malls around the country. After two years, he stopped renewing franchise agreements, took control of all those little businesses, and then sold the whole thing and retired a very wealthy man. Unfortunately, many of the independent contractors, turned into Franchisees were forced out after building up their businesses and providing a substantial amount of goodwill. The franchisor’s concept was built by the blood, sweat and tears of all those individuals, who did make decent money in the meantime, but were then basically terminated when their franchise agreement term ended. Recently, there is an interesting company in the “Handy Man” sector which has a franchise agreement that states it may unilaterally buy back the franchisee’s business at any time after 2-years of operating. In the Franchisor’s option to purchase there is a mathematical formula for valuation of the Franchisee’s business that negate the value of any “goodwill” and allows the Franchisee to choose if he will see at “Fair Market Value” of assets (used equipment, office furniture) or twice the earnings before interest, taxes, and amortization (EBITA). Why would a Franchise Buyer buy a franchise like that? I suppose there might be a few situations where it makes sense for instance, the Franchisee just needs a couple of years of income and believes they can build up a good “book” of business, and if it starts to go South, the Franchisor may buy him/her out and they can move on, less risk? But what if the Franchisor chooses not to buy and the business fails? What if the business succeeds wildly and the Franchisee is forced to sell-out a thriving and growing business? If you think about it, it is a brilliant strategy for a Franchisor, have others build your business, take all the risks, and if they succeed, you terminate their franchise agreement instead of renewal, and if they fail, you simply let them fail, then sell that territory to a new franchisee, until one succeeds and then you just keep winning and building on the backs of others. As a franchisee buyer it may be wise to recognize such strategies and be weary of them, unless it serves your temporary purpose of a short term business and solid temporary cash flow based on your abilities and the Franchisor’s model. Think on this. 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