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Learn How To Build Your Own Tiki Bar and Save Money

Tiki bars are sought after by many people because of the “island vacation” feeling and atmosphere that they provide, whether it be in your backyard or some other gathering location. Unfortunately, if you seek to purchase a brand new bar you will find that many of them cost several thousand dollars a piece, with some as high as $5,000! This is why many people will choose to purchase tiki bar plans or blueprints so that they can build their own bar and save tons of money.

There are several guides available that have tiki bar plans which show you step-by-step how to build your own bar. You need to make sure that you find a guide that is full and complete, covering all aspects of the construction process. This would include a list of all materials as well as where you can find and purchase these materials. It should be noted that the materials required to build a tiki bar cost only hundreds of dollars, rather than thousands. It is also important to recognize that building one is actually fairly easy, requiring only tools that are common and easy to come by.

There are countless benefits to building your own tiki bar as opposed to purchasing a brand new one from a store. They are fun pieces of outdoor furniture that will surely add a vacation feel to the area in which you place it. It is a great place to have drinks and relax with friends or family. When crafting your own bar, you can make it exactly how you want in terms of look, feel and size. Most importantly, you will be able to save yourself hundreds or likely thousands of dollars by building your own.

Tiki bars fit nicely into almost any type of backyard, especially if you have a swimming pool of some kind as this will add to the “island vacation” feel of your backyard. Be sure to find a well written guide that will explain each step of the building process completely and fully, to ensure that your resulting project is perfect. Many people are able to build their own for around $700, which is fantastic when compared to the price of a brand new bar purchased from a store which can reach several thousands of dollars. A well written guide will also ensure that you do not need to be experienced in the area of construction to have a well build tiki bar.

Financial Exploitation The Undetected Abuse To Seniors Part 1

Undetected or Unreported?

For all types of elder abuse: for every reported case, there are 23.5 unreported cases.

For financial exploitation: for every reported case, there are 43.9 unreported ones.

For neglect cases: for every case undergoing investigation, there 57.2 unreported cases.

The New York State Elder Abuse Prevalence Study was the second-largest study ever conducted on elder abuse and the first one conducted on a statewide scope. Although the studys contents have not yet been released by New York State Office of Children and Family Services, the grim figures above were presented during a recent conference.

Scarier still, is the implication that the incidences of abuse may actually be even higher since the study excluded older persons who were unable to participate in telephone surveys.

Surprisingly, the most commonly reported was emotional abuse, followed by physical abuse; however, financial exploitation seemed to be the most prevalent form of elder mistreatment.

If previously undetected, how do we know if its occurring at all? And what can you do to stop it?

Prevention

Monitor Financial Activity. Look for these things:

Unusual activity based on ability, e.g. ATM use by a physically impaired person
Unexpected new withdrawals in round numbers ($50, $100, $1,000, etc.)
Withdrawals from a savings account or from checking accounts despite of penalties
Increased financial activity on bank statements
Requests to change account beneficiaries or issuance of authorizations
Elder showing signs of confusion related to finances
Property title changes or re-financing reports

Monitor Inheritance and Wills. Watch out for:

Changes in Power of Attorney or Durable Power of Attorney
Will or trust modifications when the elderly is incapable of requesting changes
Requesting will or trust changes that are in favor of a much younger friend

Caregivers should take note of these unusual behaviors:

Avoidance of discussion of financial matters that were once routine
Elderly showing signs of depression
Caregiver says the elderly wants to avoid calls and visits
Caregiver seeming to be overly concerned with financial matters
Caregiver speaking for the elder even when the elder is around
Perform background check if the caregiver has other means of support other than the elders income

Where to Get Support

For more resources related to elder abuse, you can contact the APS Network. You can find the appropriate contact numbers to call by clicking on the Report Abuse button on their website and then choosing your state.

If you require immediate legal assistance, you can contact local attorneys with years of expertise in elder law. For example, in Indianapolis City, you can reach out to Applegate-Harden Law Firm.

Ten Offline Industries That Need Online Marketing

How important is online marketing for businesses that conduct most of their transactions offline?

Lindsey Miller, Director of Creative Studios at Miles Technologies, shares insight into the importance of online marketing for all industries even those that operate primarily in the traditional marketplace. “With the overwhelming majority of today’s consumers using search engines to research products and services before they buy, simply having a physical storefront is no longer sufficient for attracting customers and making sales,” Miller reports. “Regardless of whether your business is conducted on or offline, you must have a website that is highly visible in internet searches in order to attract potential customers in your service area.”

Miller stresses that failure to engage in online marketing can have devastating results on an organization’ success. “If you are waiting to take your marketing efforts online just because most of your business is conducted offline, then you risk missing out on an alarming amount of potential customers in your service area.”

According to Miller, the following traditionally offline industries can benefit greatly from a well-designed website and a strong virtual presence:

10. Automotive Repair/Car Dealerships
9. Health/Beauty/Fitness
8. Construction/Contracting/Landscaping
7. Hotels/Travel/Food Services
6. Legal Services
5. Retail
4. Healthcare/Medical/Dental
3. Plumbing/Home Repair
2. Real Estate/Rental
1. Education/Daycare

Miller emphasizes that the need for online marketing is not limited to the industries listed above. “Online marketing is quickly becoming critical to survival in today’s economy. Every business, regardless of industry, should be working to gain a competitive edge in the virtual marketplace.”

New Regulatory Body Set To Transform Britains Wine Investment Industry

NFIB and WIA to Provide Better Protection for Wine Investors

Millions of Britons enjoy drinking it and many now see it as a long-term investment. Unfortunately, fine wine has also become a focus for fraudsters who trick investors into buying wines or vineyards that bear little resemblance to what they see in the prospectus, or may not even exist. The increasing number of such rorts in Britain has led to calls for action to be taken to protect investors and to increase consumer confidence in fine wines. In the upshot, the UKs National Fraud Intelligence Bureau (NFIB) is joining forces with the newly-formed Wine Investment Association (WIA) to tackle the problem.

On 14 February 2013, the NFIB and the WIA jointly announced the launch of the new self-regulatory body which will aim to transform the growing wine investment industry by providing better protection for investors in the UK. The WIA has been formed by leading figures from the fine wine investment industry and seeks to support the sector’s growth through voluntary regulation, establishing best practices and setting up processes to identify fraudulent activity.

Director of the NFIB, Det. Supt. Dave Clark, said: “Fraudsters will always follow the money, wine investment is just the latest in a long line of investment opportunities that are being exploited and corrupted to the detriment of the industry as a whole. He added that the NFIB sees the creation of an auditable framework of self-regulation as a step towards maintaining and increasing consumer confidence, while also identifying investment companies which do not operate in accordance with the required high standards.

New Code to Tackle Wine Investment Frauds

Following an extensive consultation period, the WIA has set out the standards and procedures with which its members must comply to remain in good standing. Under the new code of conduct to be drawn up, wine investment firms will undergo stringent audits by accountancy firm Mazars. These will include checks on systems such as stock rotation and to make sure that purchase orders and invoices tally. The director of the WIA, Peter Shakeshaft, revealed that companies which successfully complete the independent audit process commissioned by the newly-formed regulatory body will bear a WIA logo offering consumers a trustworthy safety kitemark. Shakeshaft added: Our industry has been held back far too long by unscrupulous practitioners and issues around fraud. The WIA will really hold the industry to account.

Heavy Construction Equipment Leasing- Advantages And Finance Options

Equipment leasing is a simple solution to grow your business with an ever changing economy. You can lease any and every type of equipment. In this article, emphasis will be on heavy construction equipment leasing.

To keep money free up in terms of the company’s line of credit, leasing is cheapest and best option for construction companies. So cash will be available in case of financial emergency or any other time of need. It is the most beneficial managerial and financial strategy to conserve working capital for any company. It resolves issues related to cyclical and seasonal fluctuations by slotting your payments into the months when your business’ sales are on peak. Furthermore, a lot of companies in construction opt for leasing as a good alternative in acquiring equipment to buying. There are advantages of heavy construction equipment leasing, which are:-

1.Your have a stable cash flow.
2.Assets are well managed.
3.Up gradation of Equipments can be done easily.
4.Customized payment structures.
5.Give more flexibility than bank loans or purchases.
6.Flexible end term options.

To get a better deal, you should know about the construction equipment finance. Search well for the financing options available in the market. You stand to gain many benefits: tax deductions, write-offs, more predictable cash flow for more accurate fiscal planning, and faster approval than other financing options. Few types of equipment that come under heavy construction equipment leasing are

1.Bulldozers
2.Cranes
3.Back Hoes
4.Cement Trucks
5.Concrete Equipment.
6.Excavators
7.Trucks and Trailers
8.Crawlers
9.Crushers Graders
10.Logging Equipment
11.Wheel Loaders
12.Specialty Vehicles
And more…

Financing amounts can normally be approved without tax returns or financial statements. It normally takes s a day to get your application approved. There are basically two types of financing available:-

Finance leases -: These leases are best if you intend to keep the equipment at the end of the lease. This is because they include the option to purchase the equipment at the end of the lease. These leases are also known by type names of capital leases, conditional sales, or dollar buy out leases in the market.

True leases-: These are also called tax leases, operating leases, or FMV (fair market value) leases. Theses usually do not span the full expected life of the equipment. At the end of the lease, you can choose to walk away from the equipment or purchase it at fair market value. Payments on true leases generally tend to be lower than those on finance leases. This is because lessors have the opportunity to resell the heavy equipment when the lease ends.

Wow Most Profitable Profession And Best Money Making Profession 4.3

What is the most profitable profession ways to make money in wow cataclysm 4.3? I think most of world of warcraft player are looking for the best way to make money in wow cataclysm 4.3. As one of world of warcraft, have you ever want to figured out the best way to make money in wow cataclysm 4.3? If this problem is still making you puzzled, follow three professions here to find your best way out.

Wow players have a number of goals in mind. Get more and top gears. Among them, the most focused part players care is how to make money quickly and with great amount. Everyone wants to get lots of money, so they want to find out which wow profession makes the most money in cataclysm to achieve their goal. In this article, you will get the answer to the question of which Wow profession makes the most money in cataclysm 4.3.

1.Gathering Professions: Gathering is very profitable and slowly loses value over the lifespan of an expansion,though their potential to make money is always going up and down. The reason for this fluctuation is because gatherers mainly collect items people use to level up professions. When a new expansion releases, many crafters will be on the lookout for materials to level up with. This drives the price of ore and herbs way up.It’s regarded as another good profession to make the most money.

2.Crafting Professions: Crafting professions are professions using materials to make something and learn recipes.These include Jewelcrafters who cutting gems, Tailors who legging enchants and Alchemists who create consumables like Flasks. These professions tend to be the most profitable because you can quickly craft a bunch of items and then sell them on the Auction House.With crafting professions, there is no need to wait for players to bring their materials to you or count on them to tip. You simply make the item and sell if for what you think is fair. For this reason, this is one of the WoW professions which makes the most money in cataclysm.

3.Serving Professions: Serving professions seems not to make the most of world of warcraft gold.But it also make money when logged into the game.Enchanting, Blacksmithing, and Leatherworking are all service professions. Players using these professions rarely buy materials, create an item, and then sell it. Instead, players seek them out, bring their own materials, and tip anywhere from 0-15 gold.

After knowing these three professions, you must have some points in mind about what is the most profitable wow profession makes the most money in cataclysm 4.3. Making money can be easy with gathering professions in wow cataclysm 4.3. Of course, or wow gold online is also another good choice to make the most money and save time in wow cataclysm 4.3.

Bank Of Montreal (bmo) – Company Profile And Swot Analysis

July, 8, 2014 : Company Profiles and Conferences presents a Company Report on “Dredging Corporation of India Ltd. – Company Capsule”, who follows a standardized research methodology to ensure high levels of data quality and these characteristics guarantee a unique report.

Synopsis
“Bank of Montreal (BMO) : Company Profile and SWOT Analysis” contains in depth information and data about the company and its operations. The profile contains a company overview, key facts, major products and services, SWOT analysis, business description, company history, financial analysis, mergers & acquisitions, recent developments, key employees, company locations and subsidiaries, employee biographies as well as competitive benchmarking data.

Summary
This report is a crucial resource for industry executives and anyone looking to access key information about “Bank of Montreal”

The report utilizes a wide range of primary and secondary sources, which are analyzed and presented in a consistent and easily accessible format. World Market Intelligence strictly follows a standardized research methodology to ensure high levels of data quality and these characteristics guarantee a unique report.

Scope
– Examines and identifies key information and issues about “Bank of Montreal” for business intelligence requirements.
– Studies and presents the company’s strengths, weaknesses, opportunities (growth potential) and threats (competition). Strategic and operational business information is objectively reported.
– Provides data on company financial performance and competitive benchmarking.
– The profile also contains information on business operations, company history, major products and services, key employees, and locations and subsidiaries.

Reasons To Buy
– Quickly enhance your understanding of “Bank of Montreal”
– Gain insight into the marketplace and a better understanding of internal and external factors which could impact the industry.
– Increase business/sales activities by understanding your competitors businesses better.
– Recognize potential partnerships and suppliers.

Key Highlights
Bank of Montreal (BMO) is a diversified financial services organization, which provides retail banking, wealth management and investment banking products and solutions. The products that the bank offers include checking accounts, savings accounts, business accounts, students’ savings accounts, personal loans, business loans, student loans, mortgage loans, home equity loans, retirement savings, mutual funds and credit cards. Its services include wealth management services, cash management services, foreign exchange services, investment services, capital raising, corporate lending, treasury services, risk management services, and merger and acquisition advisory services. The bank operates in North America, Asia, and Europe. BMO is headquartered in Montreal, Quebec, Canada.