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The balance sheet, also called the statement of financial position, contains three items: assets, liabilities, and stockholders’ equity. It is dated at the moment in time when the accounting period ends. The accounting equation that is a big part of the financial statements is: assets equal liabilities plus stockholders’ equity. When working with a balance sheet: the total assets must equal the total liabilities and equity.

The first part of the balance sheet is assets. There are two main categories of assets: currents and long-term assets. Current assets are expected to be converted to cash in the next twelve months or one business operating cycle (if longer than a year). Cash is the most liquidated asset. Short-term investments are stocks and bonds that a company intends to sell within the next year. Accounts receivable are the amounts the company expects to collect from customers. Notes receivable are amounts that the company expects to collect from a customer who signed a promissory note. A company also includes inventory, which is a current asset, into the balance sheet. Prepaid expenses are also a part of the asset side of the balance sheet because the company will benefit from them in the future.

Long-term assets include plant, property, and equipment, intangibles, and investments. Plant, property, and equipment (PPE) include land, buildings, computers, store fixtures, etc. Accumulated depreciation is also included on the balance in the long-term assets area. It is the amount of depreciation from PPE at the end of the year. It is subtracted from the cost of PPE to determine its book value. Intangibles are assets with no physical form such as patents. Investments are long-term assets because the company does not expect to sell them within the next year.

The second part of the balance sheet is liabilities. Liabilities are also split into two categories: current and long-term liabilities. Current liabilities are debts paid within one year or one operating cycle. Accounts payable is the company promises to pay a debt arising from a credit purchase. Income taxes payable are tax debts owed to the government. Short-term borrowings are notes payable that the company has promised to pay back within one year. Salaries and wages payable are amounts owed to employees. Long-Term liabilities are payable after one year.

The last part of the balance sheet is stockholders’ equity. The Stockholders’ equity is assets minus liabilities. There are two parts to stockholders’ equity: paid-in capital and retained earnings. Paid-in capital is the amount the stockholders have invested in that company. The basic part of paid-in capital is common stock where a company issues stock to the stockholders as evidence of their ownership. Retained earnings are the amount earned by income-producing activities.

I hope this helped explain the parts of the balance sheet.

The 5 components of physical fitness are often used in our school systems, health clubs and fitness centers to gauge how good a shape we are truly in. The 5 components that make up total fitness are:

  • Cardiovascular Endurance

 

  • Muscular Strength

 

  • Muscular endurance

 

  • Flexibility

 

  • Body Composition

Total fitness can be defined by how well the body performs in each one of the components of physical fitness as a whole. It is not enough to be able to bench press your body weight. You also need to determine how well you can handle running a mile etc.

A closer look at the individual components:

Cardiovascular endurance is the ability of the heart and lungs to work together to provide the needed oxygen and fuel to the body during sustained workloads. Examples would be jogging, cycling and swimming. The Cooper Run is used most often to test cardiovascular endurance.

Muscular strength is the amount of force a muscle can produce. Examples would be the bench press, leg press or bicep curl. The push up test is most often used to test muscular strength.

Muscular endurance is the ability of the muscles to perform continuous without fatiguing. Examples would be cycling, step machines and elliptical machines. The sit up test is most often used to test muscular endurance.

Flexibility is the ability of each joint to move through the available range of motion for a specific joint. Examples would be stretching individual muscles or the ability to perform certain functional movements such as the lunge. The sit and reach test is most often used to test flexibility.

Body composition is the amount of fat mass compared to lean muscle mass, bone and organs. This can be measured using underwater weighing, Skinfold readings, and bioelectrical impedance. Underwater weighing is considered the “gold standard” for body fat measurement, however because of the size and expense of the equipment needed very few places are set up to do this kind of measurement.

Why the need for physical fitness testing?

As stated earlier the 5 components of physical fitness represent how fit and healthy the body is as a whole. When you have the battery of tests performed you will receive information on the specific areas you made need to work in. A very specific goal oriented fitness program can be developed from the test battery.

If body composition is of (higher fat compared to muscle mass) there are many health related diseases and illnesses you have a higher chance of contracting. It is important to combine healthy eating habits with your exercise program.

If you scored low on the cardiovascular test you would have a higher chance of being at risk for heart related illnesses and would not do well with activities that require longer times to complete. You would participate in things such as long bike rides, swimming and jogging for extended periods of time to correct this component.

The next three tests can have results that are isolated to specific joints and muscles of the body or affect the body as a whole.

If you score low on the flexibility tests, you have a greater chance of decreased performance in daily living activities/sports and a higher risk of injury. You may also experience low back pain. It would be important to included flexibility training into your workout everyday.

If you scored low on the muscular endurance test you fatigue early into the exercise or activities of daily living. Many exercises that require high reps and low weight would be implemented into your training program.

If you scored low on the muscle strength test you do not have enough strength to perform well in sports, resistance training and activities of daily living. Your fitness program would have a progressive strength training component added that would allow you to become stronger with little chance of injury over time.

Fitness testing has its limitations – while it gives you a good idea of where your body is, it does not paint the entire picture. As stated earlier some of the above tests are only testing specific body parts. Other important factors such as balance and agility are not tested. It also requires the ability to perform the tests. It would be dangerous for someone who is in poor condition and does not exercise to participate in fitness testing.

Before deciding to undergo fitness testing, make sure you know why they are being done and determine that it is safe for you to participate.

 

As an “Abundant Life Coach” I get asked about the meaning of “financial abundance” very often. What this means to you can be the difference between living the lifestyle of your dreams, or settling for something less than your dreams. I want you to live the life of your dreams!

Here, then, are 5 Essential Factors of Financial Abundance:

“The Abundant Mindset”

Thousands upon thousands of books, articles, media, programs, and so much more have been produced that discuss the awesome power of our minds, and the influence of our thinking upon our lives. It is difficult to say enough or emphasize enough that truth. As I see it, we are exactly as we think.

In my work, I recommend the adoption of an “Abundant” mindset. This means so much more than finance or money, however, for the purposes of this article, I will discuss abundance only as it applies to the world of money and finance.

A financial abundance mindset means enjoying an abundant amount of money, and yet not allowing greed. Greed does not work (sorry, Gordon Gekko). Of course “financial abundance” will be a relative concept; it will probably mean something different to each person. Greed, however, is fairly obvious; it is almost like knowing (within your mid or heart) the difference between right and wrong.

Further, a financial abundance mindset means having the monetary means or resources to enjoy an abundant lifestyle, yet balancing your financial wealth with philanthropy and generous giving (see point 4). When one’s personal motives are clearly defined and one’s goals are aligned with those motives, then financial abundance becomes clear.

“Specialized Knowledge”

The largest difference between the rich and poor (or the “haves” and “have-nots”) is knowledge. Or, more specifically, the largest difference is a specialized knowledge; meaning that they have the “right” knowledge and also know how to use that knowledge to their advantage. In other words, specialized knowledge is the information or data itself, coupled with the wisdom to know how to use the information or data.

For many, specialized knowledge is an academic education such as medical or law school, while for others this might mean computer programming, aviation repair, or something. Further, many of those with a financial education know how to leverage their own money to make more money. Obviously the point is that specialized knowledge translates to earning ability.

“The Power of Compounding Interest and Investing”

For many people, diligent savings and investment of a consistent percentage of income over considerable lengths of time has lead to financial abundance. I would certainly add that economic factors always play a significant role with regard to risk in investments. Even so, living well within one’s means while investing and saving can very often lead to financial abundance.

“Generous Giving”

Generosity does not necessarily mean giving away or donating money. Mr. Zig Ziglar has said: “If you can dream it, then you can achieve it. You will get all you want in life if you help enough other people get what they want.”

This is so very true. It must be an unwritten law of nature that over time, our generosity is paid back several times over. Of course there are exceptions to every rule, and yet employing an attitude of generosity is always a safe bet for a great return. And, if nothing else, it is an illustration of excellence of character.

“What You Love Over Time”

We should seek ways to turn what we love to do into a good living. I am a firm believer that when we do what we love doing, money very often comes as a byproduct, because our focus is not so much on making money as it is on enjoyment and lifestyle. Over time, money tends to take care of itself in large part when we are doing what we enjoy, especially when it helps others.

In conclusion, the very first point – having an abundant mindset – sums up all of the points I have made in this article. When we do what we love to do; when we are generous and seek to help others; when we live within our means and save money; when we always seek a more specialized knowledge…we then have an abundant mindset, and are bound to realize financial abundance.

Indian Weddings don’t symbolize mere marriage; the nuptial bond symbolizes loads of commitments, shared responsibilities and promises for life. The weddings in India are full of vivid events and rituals that continue for several days. Around 300-1000 people attend the weddings and the scale of wedding is thus so large that it seems that not just the two individuals get married but the two families. A majority of the wedding customs and traditions are similar in Hindus, Muslims, Sikhs and Jains.

The prospective groom’s parents approach the bride’s parents to ask them for the hand of their daughter to get her married to their son. If the bride’s parents agree to the proposal, the parents invite the Hindu priest to match the horoscopes and if the horoscopes agree, they ask the pundit to tell them a suitable date for the marriage.

The parents of the bride visit the groom’s house to formalize the wedding and perform the Tilak Ceremony. On the following day “Byaha Hatth” ceremony takes place and the unmarried girls apply a paste of turmeric, sandalwood and rose water to bride and groom at their homes. Till the wedding day, both the bride and the groom are not allowed to come out of their homes.

On the wedding day, the bride wears a red colored sari and the groom wears a sherwani companied with a pyjama or salwar and wraps angrakha around his neck. The groom and male members of the groom’s family wear pink turbans.

The groom rides on a horse and is accompanied by his baraat (procession) to the venue of the wedding. They receive a warm welcome from the bride’s side. The bride is escorted to the wedding hall by her close friends or sisters. Then both the bride and the groom perform garland ceremony and head on towards the wedding feast.

As per the timing suggested by the Hindu purohit, the Circumambulation of fire is done to finalize the marriage and then the bride’s parents do the kanyadan. The bride departs with the groom and is welcomed by her mother-in law holding a thali of Aarti. Several customary games are played during the evening hour. On the next day at night, a reception party is held by Groom’s side and a large number of guests are again invited to attend the feast.

The wedding is said to be officially over with the Reception party but after the wedding, the couple is invited for lunch/dinner at the relatives’ homes for the first time after their marriage. This is done to open their way for visiting the relative’s homes.

People often ask us the same question: “What’s the best way to advertise my Home Improvement business and gather leads?” We’ve compiled a handy list of the 10 most useful tools to advertise your business and see results.

1. Build a Good Online Presence

For what may seem like an obvious necessity for most, some companies still don’t value the importance of a good website. While most companies do have an online presence, it may not be attractive or user-experience optimized. A good website should convey the businesses’ goals, experience, qualities, and services in an easy to read way. There should be a blatant call to action, and sufficient information for the viewer. If the potential client can glance at your page and get all the important information needed, you are that much closer to reeling them in.

 

2. Search Engine Optimization

Many people think that SEO is solely related to building links and advertising your website link. A large part of search engine optimization is related to the way your page is set up. Are you taking advantage of meta keywords and titles? Are you using headers properly? Does your site have a large amount of unique content optimized for targeting certain keywords? These are all important things to consider.

3. Craigslist

Craigslist is a great way to advertise your services. You can hire a designer to create a small ad for you to embed into your Craigslist post, or simply use HTML to format a nice, easy to read, eye-catching advertisement. Re-post as per Craigslist’s guidelines and keep your business’s name out there.

4. Adwords

Google provides a great PPC (pay-per-click) advertising system which will target related websites that use Google Adsense to display your ads. You can target your chosen demographic, choose how much you’d like to pay for every click, and modify the appearance of your ad. They offer text ads, image ads, and rich media ads (flash, animation).

5. Social Media

These days social media is becoming the leading the way for advertising and creating a “friendly” relationship with your clients and fans. Create a Fan page on Facebook, establish a Twitter account, or create a blog. these are all great methods to attract your customers.

6. Blog Commenting

Find blogs related to your industry. Search them out, and post meaningful, relevant comments in the comments section. Be sure to add a link to your website, with a keyword that you’d like to target in the search engines. Slow and steady is the key to seeing results; keep at it on a daily/weekly basis and in due time you’ll see results.

7. Local Advertising

If your business is based locally, an ad in a local magazine or newspaper is a great option. Some companies provide direct mail advertising, which allows you to localize your advertisement in a demographic of your choice.

8. Content is King

Creating and publishing unique content will provide your website visitors with an interesting read, a potential link-back, and will improve your chances at getting picked up by the search engines. Google is beginning to heavily penalize websites with unoriginal content, and content of poor quality. Don’t get cut by the search engines. Keep your content interesting, unique, and greatness will follow.

9. Word of Mouth

Sometimes in these technological days we forget the importance of word of mouth! Don’t ever underestimate the power of a good recommendation. Treat your customers with respect and handle their job with excellence and you just might get the good word passed on.

10. Physical Ads

Physical advertisements such as billboards, bus benches, and other sign-age are often expensive, but they are generally high-profile and attention-getting. If you have the marketing funds available, give it a shot and see how it works. Create a marketing campaign and if the results are lower than you expected or needed, try another route.

While there are many methods that businesses use to market themselves, these are the top 10 ways to achieve positive results in this ever-advancing technological age. Try these steps for yourself and watch your business rise to success!

Among the paradise of islands that is the Philippines, among the choices of escapes around the world, and among all the chains of resorts and hotels all over the globe, there exists a hidden secret. This is a secret so coveted, 99% of the inhabitants of the Philippines doesn’t even know its there: the private resort Amanpulo.

The private island is a so luxurious, decadent and extravagant, it is on a class of tourist destinations of its own.

Owned by the AmanResorts luxury group, Amanpulo bears its parents’ name “aman” meaning peace. The word “pulo” on the other hand is the native Filipino word for “island”. Amanresorts is only composed of 15 or so luxury spots in different places, so Amanpulo is no less lavish and exciting as it other more well-known cousins. Amanpulo just opened in the Pamalican Island of Palawan, in the Eastern archipelago of the Philippines. Getting there and leaving there is by private jet, though one can assure you leaving paradise would be pretty hard. Well, at least the jet ride is seamless and comfortable.

Whats more, since this is a private island, getting in is no easy feat. One must know the appropriate channels and get in the right time to obtain a reservation. For a summer vacation in a year or two. One may not know this, but one of the sole entries in the book Places to See Before You Die for the Philippines is Amanpulo, so it is definitely worth the wait.

In Amanpulo, it is said that wide, powdery-white beaches are the wonder, compounded by the seascape proved majestic by the view of nearby Manamoc Island. Sometimes, when visitors stare out at Manamoc form the footprinted shorelines, do they ever wonder whats its like to be on that island paradise, then find themselves on the exact same fantasy in reality? The Aman gives no less.

The Beach Club of course, is said to be Amanpulo’s pride and joy. The relaxing wide are is spread with soft decks and pillows, with walkways leading to the pristine pools or the magnificent beach. The beach is the best choice by morning, while subtly lit pools are the choice place to unwind in romantic nights.

In addition, the place simply called The Restaurant serves both Filipino and international cuisines. And from the sound of the reviews, The Restaurant is on a league of its own, a throwback to when hotel restaurants were the best places to dine in. Serving fresh greens form its own vegetable and herb garden, The Restaurant will settle everyone’s worries over what’s good to eat because well, everything is good to eat.

Beach side casitas, nipa hut inspired but very luxurious lodges, are spaced very wide apart. This gives the impression of having your own beach paradise because you can choose to rarely see other guests. The views are fantastic, and a camera is a must. Maybe an underwater camera is a must too, since only 300m form the shore, a reef so full of color and life awaits anyone.

Coming clean, this is not an advertising ad for Amanpulo or the Aman chain of resorts. This is just a simple yearning to go there, one of the best places on earth unabashedly called paradise by those who have seen it. To taste the secret.

Local Philippines is your one-stop source of information about the Philippines with its fascinating travel destinations, colorful festivals and premier attractions.

The professional title of producer is one of the most commonly misused titles in the music industry. This article will cover the three different types of music producers as well as the roles they play within the music industry and inside the recording studio.

What A Producer Isn’t

A producer isn’t a musician that makes his or her own music. The proper title for this position would be a musician, plain and simple. Producers also tend to work with a team of recording professionals, industry executives and reliable musicians to complete a recording project. Because the skills involved in managing a recording project take time to learn and are very demanding, someone who works on their own to create music isn’t typically considered a producer. The title of producer is often wrongfully associated with the roles of songwriters and general musicians.

Executive Producer

An executive producer is generally the person that funds the recording project. Executive producers also ultimately determine the direction of the recording project and carefully maintain the relationship between the artists or bands involved in the project and the record label that oversees the completion of the project. Executive producers essentially maintain the bridge between the record label and the recording artists as well as make sure that the project makes sense financially from a business perspective and a creative perspective.

Music Producer

A music producer typically spends a majority of their time creating or arranging music for the recording project. Music producers usually have a strong background in music theory and occasionally have degrees in music theory or music composition from established universities and colleges. Another job of the music producer is to make sure that the music within the recording project is of the highest possible quality and that the musicians involved in the project are making the best music they possibly can. Sometimes music producers are also given the task of maintaining communication between the artists and the record label executives, which is often a task that is more difficult than a lot of people within the music industry realize.

Engineering Producer

The engineering producer understands the technical aspects of the recording studio more than the other two types of producers. Engineering producers know how to work the recording console, setup the microphones for recording, use the recording software efficiently and effectively, and keep the recording project organized. A lot of engineering producers start out as either mixing engineers or assistant engineers to record label producers. They also tend to understand the technical aspects of recording and what it takes to make the music sound great from an engineer’s perspective.

 

Due to British colonialism in India, India’s culture has been significantly affected by the West. With globalization, Indian fashion today does reflect the Western influence. Halter tops, handkerchief-cut kurtas etc are common today and have become a part and parcel of one’s wardrobe. With 28 states, 7 union territories and multiple dialects, India is a land of great diversity and each state has its own unique fashion.

Conventional sarees, blouses, salwar kameezes and necklines have undergone great changes. The latest Indian fashion trend has a touch of the West. Indian fashion designers are working day in and day out to meet the new demands of the market. Let us see some of the Western influences on Indian dresses.

Short- Style Kurtis

Even a few years ago, traditional kurtis with bold prints were popular among the masses. Though they still continue to be in demand, yet short-style kurtis with halter necklines are giving their traditional counterpart a tough competition. Earlier, kurtis were worn along with chudidars, but today wearing them over jeans is the latest Indian fashion. Right from a celebrity, to the girl next door, short-style kurtis are a rage. Floor length anarkalis are also in high demand these days.

Casual Crinkled Crepes & A-Lined Skirts

Lehengas have always been loved by ladies among all age groups. The traditional embroidered lehenga is one of the best Indian bridal wears. However, lehengas have evolved into a casual crinkled crepes and A-lined skirts which are considered ideal for a party, social gathering or an informal meeting.

Half-Lehenga Style Saree

Saree is the most traditional Indian wear. Sarees are the perfect wear during weddings, religious functions and parties. However, the latest Indian fashion has seen the evolution of a new style saree which mixes both the saree and lehenga into a single wear. This is capturing everyone’s attention. This type of saree is known as half-lehenga style saree. This is pretty comfortable for those who are not well-acquainted with the traditional hanging saree.

Strap & Halter Neck Blouses

Earlier and even now, short-sleeved or long-sleeved blouses are very much popular among ladies. However, today blouses with straps and halter neck styles have also started making inroads. These types of blouses have become very common and are in great demand.

Denims

Denims are highly popular among men and women in India. Earlier in parties, formal wear was a common sight. Though it still is, yet today in many parties and even in offices, there is no dearth of people wearing denims. There are several international brands of denims available in India and each and every day the market is witnessing arrival of new designs.

There are always new styles which are developing from time to time. The western influence on Indian clothing is making them trendy and elegant. A new design can evolve anywhere. It is up to us to adapt to the changes according to our own style, convenience, preference and choice.

 

Now that our aging population has visibly become a force to be reckoned with, many homebuilders are discovering mature adults to be a potent market. But often homebuilders tend to miss the market by focusing more on the home (which is after all what builders are selling), rather than the lifestyle (which is what drives most of the sales activity in an adult lifestyle community).

Many developers and homebuilders operate from the misconception that mature buyers prefer to live in homes that are inexpensive and focus on pricing their homes as low as possible, believing that product and price are what drives the sale. And surely there are adult lifestyle purchasers for whom price is a prime consideration. But most potential residents of an adult lifestyle community are looking for three things: adult, lifestyle and community.

Purchasers in adult communities want to be sure that the community they are considering moving to is indeed an “adult” community. As such, many such communities are age-restricted, with a hard and fast set of rules that precludes the possibility of children moving in. Of course, in jurisdictions that do not allow discrimination on the basis of age, there are other ways to “restrict” who moves in. This could range from so-called restrictive covenants registered on title of the property to rules about the permanent number of residents that may occupy any one dwelling unit (usually no more than two) under a condominium corporation or a rental agreement. Finally, the best method to maintain the integrity of an adult lifestyle community is to offer homes that are specifically designed for an older, childless demographic. The market will take care of the rest.

Some builder want to hedge their bets by offering large two storey homes in adult communities, imagining that they would be appealing to younger baby boomers that still have children at home. This fallacy results in pleasing neither the younger baby boomers that do not want to live in a community comprised largely of older people, nor the active adults seeking a childfree lifestyle.

As stated above, one of the most important considerations on the part of the purchaser in an adult community involves lifestyle. Many people in their 50s and 60s who are either retired or semi-retired have a lot of leisure time and a plethora of interests about which they are very passionate. Many are into golf in a big way and seek communities that are near golf courses. Many are into personal fitness and look for communities that provide exercise facilities. There are nearly as many interests as there are individuals seeking to live the adult lifestyle. Those communities that recognize this very important fact tend to do very well, while those that don’t, not so much.

Finally, active adults tend to be very social and seek to live in a community where they find others of similar interests and values. Many of these communities have organized activities, such as a bridge club, a golf group, round-robin tennis tournaments or group projects such as quilting or knitting. A sense of being a part of a community of like-minded individuals really is one of the most important aspects of a successful adult lifestyle community. These are the reasons why a community clubhouse is probably one of the most important amenities that any adult lifestyle community could provide. And the greater the variety of amenities and interests, the more people will be attracted to live there.

When travelling, you want to have the most relaxing time possible. But with so many things to do it can be really hard to stay relaxed and to have everything in order. Concierge services come into the picture to take the burden off your shoulders so you have lots of time to do what you want to do most not worrying about personal things that need to be done. Concierge services can be residential, corporate or personal; the personal services are what you will need when preparing for a holiday travel.

Generally speaking, you will have a manager to take care of your daily tasks such as making phone calls, making hotel reservations, arranging spa services, booking transport and even coordinating luggage assistance. Some of the service providers will basically be open to offer you any kind of assistance you may need including pet care, dining bookings and procuring tickets to events that you want to enjoy during your holiday. The services you can enjoy can be as personalized as possible and they will:

Save your time – this is because you won’t have to spare your precious holiday time trying to get everything in order. You simply need to make your request and your concierge will be on the tasks promptly. You will have all your errands run for you as you spend valuable time doing what you want in your travel destination. You will have more time to relax, explore, enjoy and learn when you have a trustworthy manager handling all your personal tasks.

Save your money – It may seem ironical because the extra services will definitely cost you something. But the truth is when you choose to have a concierge you stand to enjoy services from different service providers and vendors working in conjunction with your provider. This increases the chances of enjoying discounts from the partners, including free upgrades, special perks and treatments and complimentary benefits for various products and services. You may get the rare chance of enjoying free trials, upgrades and discounts at top spas, restaurants, transportation and entertainment companies.

When looking for the best service provider for your travel needs, you should check out

The services – Checking what the concierge services offered entail is very important. There are service providers who may have limits as to what their assistants can do on your behalf while others may be flexible and willing to customize the services to meet all your requirements.

Charges – Also important to check is the charges; some charge at an hourly rate, whereas some will charge the services at a flat fee in consideration for everything you want to be taken care of during your holiday.

Partnerships – Concierge services usually brings a number of other service providers together. If you want something like spa arrangements made for you, you may want to check what spas your service provider works in conjunction with to ensure that they can offer you the best services. This should apply to every other arrangement you find necessary for the holidays.