Charity Begins On The Web!

The end of another year brings the rush to reduce your tax bill. Although December 31 looms, you’re probably too busy to weed through the tax-deductible organization pleas cluttering your mailbox. But focus your energy online and you’ll see that finding a worthy charity isn’t as  tsibhard as you might think. Follow my crash course on online charitable giving and in an evening you’ll find a group for your donation.

The first site I hit is Money magazine online’s Charity Selector. These pages list such big-name nonprofits as the United Way and the Haven Recovery Center as well as lesser-known groups. I could easily and confidently choose any one of these organizations and give a lump sum.

In a little over an hour, using the Charity Selector’s Web links, I manage to download mission statements, program rosters, membership details, and donation forms for a dozen of the top 100 charities. Some of the leading organizations include Continue reading

Good Financing Is Just Good Business

Richard Zoppo was already running a successful New Jersey pest control company when he discovered a tempting second route for sale. By jumping on die opportunity, he could double his business, expand to new territories, and garner more clients — all for an asking price of $35,000. Zoppo told that fine story to the bank where his business account had been growing for more than five years. He spent about $500 and weeks of preparation to have his accountant complete a loan request that included tax returns from both businesses, profit-and-loss gfgbhistories, and a plan for integrating the two routes. He submitted the request, and waited. And waited, and… about two weeks later, the loan officer called to say, “I never saw such a nice proposal. Who’s your accountant? And, by the way, we’re not going to give you the money.”

Another bank request, another few weeks, and another resounding “No.” Zoppo was getting desperate, but lucky for him, so was the motivated seller. “Why don’t I just lend you the money?” the seller asked. With that, a successful deal was struck. The two exterminators drew up an agreement that gave Zoppo a five-year, 9 percent loan — and both walked away happy. “It’s better this way,” says Zoppo. “I’d rather pay him than a bank anyway.”

Not that he had a choice. The sad truth is Continue reading

Are You Hearing Hard Drive Clicking Sounds Within Your System?

clicking-hard-driveAll hope is not lost when and if you begin to hear hard drive clicking sounds within your system. Too often times, consumers think that their system is ruined or on the brink of no return. There are actually several different free programs that you can try out. Trying a free program to solve a potential issue is much better than automatically turning to an expert who may very well charge you money that is not needed.

First of all, scour your search engines for the highest rated ones. Suggesting highly to narrow your searches to a good disk cleanup tool. These are often times included on systems for free when they are purchased. Do not forget about a defragmentation and even an error checking scan. The excellent point to understand here is the fact that these programs are all over the Internet, and in most cases are very easy to understand. If you have any issues, simply search for tutorials on how to use them. The most important thing to keep in mind is that just because you hear hard drive clicking it does not signify the end of your system! So take a deep breath and begin your searches, it will definitely make you feel more empowered when you solve and repair your own issue.

Different Hard Drive Sounds And Their Causes

There are many sounds that one can hear when using the computer – from opening it, to clicking on the mouse, typing on the keys, and running the various processes around it. However, one unusual sound that can be heard which should be a warning sign to all laptop users is the hard drive clicking noise. It’s a continuous clicking sound whenever you are trying to open files, save files, or copy files.

In case of external hard drives, they have the same kind of clicking sounds. Like when you start to attach the USB cable of the hard drive to the computer, you will hear the hard drive clicking noise. Sometimes, it’s also a clucking sound or a buzzing sound. Usually, the severity of the damage of a hard drive depends on how soft or loud and insistent the hard drive clicking noise is. There might be other sounds that you can hear when running your computer that might sound like it but it does not always mean that if you hear clicking sounds it’s already coming from the hard drive. Always make sure to check everything before assuming which these noises are so as not to waste hours and financial resources in solving these computer issues.

Hard Drive Crash And Burn…And Freeze?

Hard disk drives fail. Not everything manufactured and placed in your computer that seems to be working properly for now will last that same way for a long time. Because much like our car, hard disk drives are prone to everyday wear and tear and no matter how careful we may be with our gadgets, a hard drive crash can occur. This is where data recovery experts come in. Hard drive failures can be caused by physical disruptions such as when your computer was bumped when it’s running or when your computer is exposed to extreme heat. Other time a hard drive crash is due to the logical failures such as improper formatting of the hard drive disk or when a virus targets your hard disk drive and causes the entire system to fail.

When these things happen, there’s actually a popular data recovery DIY: freezing your hard disk drive. Say what? Continue reading

To Succeed In Business, You Must Evolve

tsibYour market has become saturated. Your clients’ needs have shifted. Your industry has been wiped out by technology. Is it time to pack it in? No — it’s just time to change. In fact, small-business experts point to change as the foremost ingredient of a flourishing company. Whether it’s a spin-off, a new product, an original twist on an old product, or a service completely separate from its parent, change in business should be ever-present, says Arnold Brown, chairman of New York City-based Weiner, Edrich, Brown Inc., a consulting group that specializes in the management of change and trend analysis. The key is the timing. “Everybody has to become a trendspotter,” Brown says. The French aristocrats knew it was time to change when they started getting their heads chopped off. By then it was too late.” Fortunately, small businesses are uniquely qualified to act fast and adapt quickly to change. In contrast to a conglomerate that needs layers of approval and stacks of paperwork just to switch to a different brand of coffee in the break room, a small company can switch directions on a dime.

To help you keep your head-and make sure your business heads in the right direction-we asked top experts for advice and talked with three entrepreneurs for whom change is a welcome caller in the workplace. Continue reading