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The travel and tourism industry is a massive global industry that caters for the needs of those who have to travel away from home in terms of providing facilities and services like hotel accommodation, air and road transport. Close to a billion people are involved in international travel in this industry which generates billions of dollars every year. Sometimes making a decision on which industry to work for can be quite hard given the many options available today across the globe. Below are five reasons why you should consider working in the travel and tourism industry.

1. There are lots of work opportunities. The travel and tourism industry has a lot of opportunities employment for those seeking employment. You can work in the aviation sector, road, rail and water transport, accommodation providers like hotels and lodges, leisure and business travel agents and tour guides. It is now also possible to work from home thanks to technology which is convenient for some people like mums who have a child or children and do not want to be far away from home.

2. The perks are good. The travel industry provides rewards that not many other industries do. For example those working in the airline industry can get free tickets for themselves and immediate family members to fly to any destination that the airline they work for flies to. Those who work as travel agents can get reduced travel fares and even pay reduced accommodation rates. Then there are the familiarization trips that those who work in the industry have the opportunity to take. Just think of an all expenses paid trip to places like the Seychelles, France, the Kenyan coast of Mombasa to name just a few.

3. It is a growing industry. In spite of the recent downturn because of the threat of terrorism and the world recession, travel industry players are optimistic about its growth. In good times and bad times people always get the urge to move. And with more and more places becoming accessible because of air travel and with both air travel and hotel rates coming down in order to accommodate peoples pocket there is reason to believe that the travel industry will continue to grow and more markets will be reached which is good news for service providers. Furthermore technology like the internet has made it possible to access markets anywhere in the world, at any time of the day.

4. It is never boring. Working in the industry almost means that you will meet new people from time to time. This is especially true for those who work as frontline staff in travel agencies, airline offices or hotels. Those who work in the airline industry as flight attendants have the opportunity to travel to different parts of the world, visit different towns and cities and see and experience different cultures. That can never be a boring job.

5. You do not need years of studying to work in the industry. You may love a certain profession but because of the years of studying involved in learning it you may be discouraged from joining it. Not so with the travel and tourism industry. Three to six months may be enough depending on what qualification you are studying for to get you started working for this exciting industry. Some people because of their love for the work and experience gained in certain areas of the industry have even started working and studied for the paper qualifications later.

People save and invest to improve their quality of life. However, it is easy to make mistakes that can cause stress and cost you money. You can avoid those mistakes and keep your investment on track by outlining your financial goals.

It is a common investment mistake for investors to have no idea why they are investing. So, you should ask yourself…

Why are you investing?

Do you know why you are investing? What are you going to do with your money? What is most important in your life?

“Making money” is not a good enough reason to invest. How do you see yourself spending your money in a year? Five years? Ten years? If you can clearly explain your goals, you have taken the first step toward making your own investment plan.

With that in mind, write down your financial goal. One simple sentence is all you need. For example, you can write “buy a home”, “pay for college,” “start a business,” or “retire as a millionaire!”

Next, write down the amount of money you think you will need to accomplish your goals.

Don’t worry about trying to fit in every little cost. You can always revisit your target later when you check your performance. Focus on your goal, and try to write down a target number.

This number will be different depending on your goal. For example, maybe you’re buying a $100,000 home, you may want to save $10,000 for a down payment. Maybe you need $5,000 to start a business or $50,000 to pay for college. If you don’t have much money to invest, you can make up for it by investing over a long period of time.

Finally, consider the importance of your investment goals. How important is your retirement, your kid’s college tuition, or your down payment on a house? The importance of your investment will give you an idea of your risk level.

Every investment has risks.

You don’t want to take too many risks. However, you need to take some risks to earn a reasonable return. Also consider the amount of time you will be invested. If you have more time to invest, you may be able to take risks and still catch up if you run into trouble.

Ask yourself if you are ready to invest before you move on. Be honest with yourself.

You may not need to invest your money. Would you be better off paying off your debt? Can you afford to just save your money rather than invest it? Make sure you can commit enough money and time to investing.

It is important to stay motivated toward your goals and keep them in mind when you invest. Every investment decision you make should move you closer to your goals. You should be willing to learn, improve, and work toward your goals as you invest.

If you can stay committed and keep that motivation toward your investment goals, you are much more likely to succeed!

A. Michael Hayes, Jr

You can learn more about how to achieve your financial goals at my website, Great-Mutual-Funds.com.

There are many misconceptions about fashion stylist jobs such as these jobs are easy to get, one can lead a comfortable life after getting these jobs and one doesn’t have to work very hard to get ahead in this field. While these jobs are comfortable and offer flexible working hours, in order to get ahead in this industry, aspiring personal stylists should know a few things and listed below are 4 important must know facts about fashion stylist jobs.

#1 – Fashion Stylist Jobs are About Glamour but Also about Hard Work – Most aspiring stylists believe that becoming a one is easy and can be done by anyone. Although, this is partially true, in order to become a successful stylist, students have to work hard while they are studying to become stylists. In addition, for the first few years aspiring stylists may have to spend a lot of time and energy researching about the latest fashion trends so that they can help their clients get the desired look.

#2 – It’s All about Research – An important part of being a fashion stylist is researching the latest trends and colour schemes. Although students are taught various important things about fashion while they are training for fashion stylist jobs, it is important for aspiring stylists to remember that after they get a job or while they are on internship with a company, they will have to spend many hours a day studying about colour patterns and matching colours to skin tones, hair tones and body structures.

#3 – Fashion Stylist Jobs Involve Being Creative – Most people believe that there are hard and fast rules set for stylists however, the truth is that fashion stylists can experiment and be creative as long as they know what they are doing. An integral part of the job involves using one’s imagination and creativity to make clients look good. If you have a good imagination and can vision ideas then you may be ideal for this job.

#4 – The Sky is the Limit for Those Who Try – There is a lot of scope in the fashion industry and aspiring stylists who are looking for fashion stylist jobs can get success shortly after joining a job provided they are ready to follow the rules of this industry. Hard work and flexibility are two important rules of this industry and stylists who are ready to go the extra mile can easily accomplish their goals. Remember, to become a stylist the first thing that needs to be done is to get accredited from an institute that can help you achieve your goals.

 

Financial accounting’s focus is on the financial reports distributed to people outside of the company. The major component of financial reporting is the financial statements: income statement, balance sheet, statement of cash flows, and the statement of stockholders’ equity. The income statement indicates a company’s profitability during a specified time period such as one year, three months or one month.

Under accrual accounting the income statement reports the amount of revenues earned and the expenses that were incurred to earn the revenues. Expenses also include costs that expired during the period of the income statement. If a corporation’s stock is publicly traded, the income statement will also report the earnings per share of common stock. The balance sheet reports a corporation’s assets, liabilities, and stockholders’ equity as of a specific instant, such as midnight of December 31. Most balance sheets will group all of the current assets and all of the current liabilities. This allows readers to easily see the corporation’s working capital and current ratio. The statement of cash flows organizes the explanations of the change in cash and cash equivalents into three sections: operating activities, investment activities, and financing activities. The statement of stockholders equity provides a summary of the changes occurring to stockholders’ equity during the accounting period. The changes include net income, dividends declared, purchase of treasury stock, and other comprehensive income.

In order for the readers of these financial statements to make comparisons with other companies, it is necessary that the financial statements follow some common rules. The rules are referred to as generally accepted accounting principles or GAAP (pronounced gap) and consist of several components. One component of GAAP is the basic or fundamental accounting principles and concepts such as cost, matching, going concern, economic entity, materiality, conservatism, consistency, reliability, and others.

Another part of GAAP includes the detailed rules established by the Financial Accounting Standards Board or FASB (pronounced fas Bee). These pronouncements are entitled statements of financial accounting standards. FASB interpretations are also part of GAAP. The accounting rules established by the predecessors of the FASB remain as GAAP unless they have been superceded by the FASB.

Lastly, GAAP includes industry practices. For example, the balance sheet of a public utility will list the plant assets ahead of its current assets. Unique reporting practices often occur in industries that are regulated by government agencies.

The financial accounting and financial reporting of publicly traded corporations also include the annual report to the Securities and Exchange Commission (Form 10-K), the annual report to stockholders, and various press releases on financial matters.
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While some of the most popular dishes associated with the Italian culture include a tempting slice of pizza and a heaping plate of pasta, there is much more to the world of Italian cooking. Throughout the many regions in Italy, the distinctive cuisine of the Italians shines through in a wide-range of eating habits, styles of cooking, and selection of local ingredients. The changing of the times has also influenced Italian food, as the meals served in the pre-Roman era possess both similarities and differences in the cuisine of today.

The culinary history of Italy established a reputation more than 2,000 years ago, which includes an illustrious movement during the Roman Empire. Culturally, food preparation was quite important in the past where flashes of significance have been captured in the only surviving cookbook (Apicius), which dates back to the first century BC.

The spread of Italian food diversity began after the fall of the Roman Empire when individual city states began to uphold separate identities and traditions. Each region began to display its own unique way of cooking, right down to the formation of a meatball to the characteristic cheeses and wine produced in a locale. The north developed Tuscan beef, while black truffles were very popular in Marches. Provolone and mozzarella cheeses developed in the south, as well as a host of interesting citrus fruits.

Diverse types of bread, variations in pasta, and varying food preparation techniques also differed according to region. The southern regions of Italy embrace hard-boiled spaghetti, while the north often prefers a soft egg noodle. Milan is known for their risotto, while Bologna has a deep history regarding tortellini, and Naples is famous for their pizzas.

Over the years, Italian cuisine has greatly evolved in part because of a wealth of outside influences that have added to its characteristic flavor and appeal. In the beginning, ancient Greek cookery became an integrated part of Italian cuisine. Eventually, a wealth of imports found their way into the kitchens of early Italians, who sent Roman ships to collect a variety of important foods, including wheat, wine, exotic ingredients, and fine spices from around the world. Some ships even traveled to faraway locations, such as China, to bring back edible resources that catapulted the depth and variety of Italian cooking styles.

Coastal regions are known for their developments in delicious fish and seafood dishes. For example, the island of Sardinia supplies a more traditional and simple style of cuisine, which often incorporated delicacies, associated with the sea. Swordfish, lobster, anchovies, sardines, and other Mediterranean treats represent Italian cooking of the area. In Sicily (another island region), a great deal of the cooking drew heavily from North African influences. An Arab influence also affected cuisine on the island and within the rest of the south, especially with the introduction of various spices and sweets, such as the Sicilian ice cream cake called cassata.

As for one of the most popular Italian dishes, while the history books often state that pasta was a product of the Chinese brought back by Venetian merchant, Marco Polo, it was actually a rediscovery of a food item eaten during Etruscan and Roman times. It is believed that the first pasta in Italy was made similar to the noodles of today – from the same durum wheat – which was cooked in ovens instead of boiled in water.

Today, the differences in Italian cooking still show through in the distinctions between the north and the south. Each region still carries their own traditions in cooking that reflects deep history and culture with a never ending supply of main courses, appetizers, and desserts that continuously tempts the taste buds.

Source by C. Steendahl

My Six Figure Lifestyle was Chuck Marshal’s up-front profits and residual income program through postcards. It has since evolved into The Secret Formula Teleseminar, a newer $1,497 system that calls itself an alternative for the 95% of people who feel lied to, dissatisfied, confused and angry by the “biz opps” industry.

The Approach

The Secret Formula Seminar (formerly My Six Figure Lifestyle) has been developed by Rob Stinson, a one-time machinist who candidly uses his regular-guy persona to share how his “Secret Formula” now has up to 150,000 distributors and results of over $250 million worth of products sold.

The Difference

Stinson states that what differentiates his teleseminar and software from the rest is that they’re designed to attract what he calls Business-Opportunity-Buyer (BOB) prospects. These prospects appear to consist of owners and managers of existing businesses looking to build up sophisticated streams of multiple income channels, instead of friends, relatives or co-workers who tend to drop out of these programs.

The Promise

Per his website, Stinson promises up to a five-figure income within the first few months, no time wasted with scheduling, presentations, selling, pitching or closings, and less than two hours spent daily on the business when owners work the systems properly.

Stinson’s new My Six Figure Lifestyle program appears to include:

– 700 to 1,500 qualified, worthwhile leads

– Lead generation and prospecting software and branded marketing system

– Postcard lead-generating manual for generating leads used with My Six Figure Lifestyle

– Additional software incentives

My Six Figure Lifestyle / The Secret Formula Seminar In Review

Stinson appears to believe that by being upfront about frustrations and potential scams prospective customers have experienced, The Secret Formula Seminar may have the ability to attract those that have since rejected online business opportunities.

The newly revised “My Six Figure Lifestyle” program, now known as The Secret Formula Seminar, is reported to cost $1,497 to join. The program seems to work on a teleseminar type system and is said to include a handful of different items and features. Some of them include pre-qualified leads, proven marketing software and systems and manuals and incentives.

As with any and all online based business endeavors; it is highly recommend that one does their own research before investing actual monies into a program. The Internet is a very large and uncontrolled atmosphere that requires caution and in-depth research; especially when being asked for monies in return for a service, membership or product. That’s not to say that real and lucrative opportunities don’t exist out there; one just needs to exercise caution when looking for that perfect one to ensure it is a legitimate opportunity and delivers on what it says for how much it says.

The term “financial skills” covers a range of activities that a professional buyer or procurement executive needs to have if they are to deliver value for money and manage commercial risk for their organisation. However, these skills are not always covered by conventional training which means that a buyer could be creating needless exposure both for themselves and their career as well as their organisation.

There are six financial skills that everyone who works in procurement should acquire.

1. Financial analysis – this covers the use of financial ratios that enable you to identify suppliers who are under performing compared to their competitors or who might be financially vulnerable and so create a supply risk for you. Ratios compare one financial value with another in order to give you an insight into the way that supplier is run. For example, liquidity ratios look at the ability of a supplier to meet its short-term financial obligations by dividing the value of current assets (such as cash and inventory) with the value of current liabilities (such as creditors). Other ratios tell you how efficient the supplier is in turning sales into profit, generating sales from the use of assets and its ability to grow.

2. Activity based costing – this is a method that takes all of the costs of an organisation and assigns them to the products or services that the supplier sells. The big difference between this approach and more conventional costing methods is that it first allocates costs to the activities that create those costs and then to products or services in direct proportion to the amount of those activities that they use in their production or service fulfillment. What this means is that you get a clearer picture of the true costs of making a product or delivering a service than you get from conventional means. The importance of this for the buyer is that they get an understanding of what drives costs and so what actions suppliers can take to reduce them which in turn lets them reduce the price to the buyer and still make an acceptable profit.

3. Understanding profit and loss accounts and balance sheets – the profit and loss account shows a buyer a summary of all the transactions a supplier has made in a period of time (such as a year) with the resulting profit they make and the balance sheet is a snapshot of the financial position of the supplier at that point in time. Accounting policies that the supplier adopts can make a big difference to the declared profit; for example, a supplier can choose how much to charge each year to the profit and loss account for an asset it has bought and this can have a major impact on the profit in any one year. Knowing what accounting policies a supplier uses can help a buyer to understand their accounts and so make sure that the financial ratios that are used to get an insight paint an accurate picture.

4. Understanding cashflow – the lifeblood of any organisation is its cashflow as it can only pay its bills on time and remain solvent if there is cash in the bank. It is important to understand that this is not the same as its profit. For example, if you sell something for $100 now and give your customer 14 days credit then you will not physically receive the cash for another two weeks. If you have bought materials that have been used to make that product and your supplier has given you only 7 days credit then you will have to make a payment to them before you receive the cash from your sale. If you do not have the money in the bank then you may be in difficulties. Understanding the concept of cashflow and how to calculate and analyse it is an important tool in predicting the solvency of your suppliers and their vulnerability.

5. Understanding break-even analysis – this technique calculates the level of activity your supplier needs to have if it is to break even. Levels of activity above the break-even point result in a profit for your supplier and levels of activity below it means your supplier is operating at a loss. The importance of knowing this figure is in negotiations. If your supplier is already above its break-even point and has included your current level of purchases in its calculation, then any further business from you will provide a “super profit” (that is, profit over and above its expected amount as their fixed costs have already been covered). You should be able to negotiate a price reduction based on this information.

6. Price and cost modelling – one of the key questions that procurement people ask of themselves is “am I paying the correct price for this item?”. Price and cost modelling helps to answer this question. Price modelling involves comparing the price you pay against some yardstick of reasonableness such as the price paid last time or a benchmarked price. Cost modelling goes further and is a technique in which you build up an understanding of the cost of the materials, component and other costs that go into the items production or delivery (if it is a service) so that you can assess whether or not they are reasonable and whether the subsequent profit is fair.

Imagine yourself right now walking lazily across a sandy beach, feeling the sand in between your toes as you gaze out at the sparkling water. Your ears are tuned into the delightful songs of the native birds, and the waves lapping gently against the nearby shore. Imagine the numerous activities that you could spend the day enjoying on this magnificent island. Now imagine owning the island you have pictured in your mind, it is possible. There are many islands for sale in Vanuatu, where a future full of fun and beauty can be yours. You call the shots, you make the rules.

The lifestyle potential is endless – you can build a house on your island, water ski, toboggan or swim – whatever takes your fancy! Take snorkelling for example, purchasing one of the Vanuatu islands currently for sale would make this popular tourist activity your normal pastime on your very own island! Or, if you enjoy an adrenaline rush, then imagine jet skiing and racing across the vast expanse of the Pacific Ocean while feeling the wind blowing in your face. Activity possibilities abound on a Vanuatu island… playing volleyball on the beach, jumping and diving onto the soft sand with family and friends. Purchasing one of the many Vanuatu islands for sale truly allows a lifestyle unlike any other.

Many celebrities have already taken advantage of the opportunity of securing an island for sale in the Pacific including Vanuatu. People like David Beckham, Brad Pitt, and Miley Cyrus to name a few. Why not experience the lifestyle of the rich and famous, with the luxury and comfort of your own island?

In terms of prices you can expect to pay for a small tropical island, you can be looking at anywhere from $500,000 to well over $1,000,000. It is common to find real estate opportunities around Puramamasa Island, Aore Island, Oyster and Malvanua Island.

Amongst the natural beauty and entertainment possibilities, spending time on an island is also the perfect way to chill out and relax, and get that tanned body you have always wanted. Choosing one of the Vanuatuan islands currently for sale gives you a front row seat to view the wonders of nature every day. When you have finished relaxing, you may perhaps want to sail or fly to one of the nearby villages and mix in with the locals, do some shopping, or treat your kids to some finely crafted knick knacks, or yummy native fruits like mango and coconut. Walking through village life in the tropics really is an experience to savor as the people are very friendly, and everywhere you look you’ll see smiling faces!

Whether you are looking for small or large island, one that is secluded and remote or close to civilisation, there is sure to be a Vanuatu island for sale which will enable you to fulfill your dream lifestyle. Explore the options carefully, and then soak up the sun in your very own piece of paradise.

You might be surprised to learn that there are different types of locksmiths around. This is essential especially for those who want a more specialized service. Residential, commercial, automotive and forensics are the types of locksmiths that are accessible although the forensic ones are rare as they usually work with investigative agencies or law enforcement agencies.

Residential

Residential locksmiths are experts when it comes to making the home safe and secure. As most homes have the regular locks installed near window frames, it might compromise the safety of the family. These experts can install a double cylinder lock that needs a key inside for the door to open to give extra security. Aside from this base-knowledge they can also re-key locks as well as have them replaced in such a way that these are not easily tampered. They can also do entry gates, screen doors, sliding as well as emergency services.

Commercial

A commercial locksmith specializes in locks that are manufactured for business purposes. Examples would be installation of panic bars, replacing locks in file cabinets, installation of automatic door closer, safe/vault installation as well as installing a master-key system. Panic bars are especially important as they would provide workers a means to exit the building premises in case of emergencies.

Automotive

Automotive locksmiths are the ones that you go to if you ever need a spare car key or want a replacement when you’ve lost the original car key. These experts can help automotive owners in choosing the right type of car keys that would best suit their needs. Most automotive locksmiths are familiar with transponder car keys and can also do re-programming at a lower price compared to the same service that car dealers offer. Aside from transponders, they can also unlock cars, change or replace ignition locks, provide laser cut keys and even offer lock services for high security vehicles.

Services

In choosing the locksmith that would best suit your need(s), it is important to deal with a company that is licensed and has done background checks on their employees. This is to make sure that the company that you would be transacting with is legal and since some items in the house might be valuable or important documents are inside vaults or safes, one is assured that the person they are dealing with is someone who they can trust. Consider talking with someone who knows a reputable locksmith especially if you’ve just moved in or purchased a new home or office.

Nowadays online advertising is a popular trend among all business owners. Online advertising has emerged as one of the most powerful tool of advertising. This is because the wide reach of Internet and online advertising websites.

The dependency of people over Internet has increased drastically. They now knock the doors of search engines or various online service providers in any specific domain of their interest. Therefore, having a powerful online presence helps business owners or online traders in getting more and more number of customers for their particular products and services.

 

Having powerful presence does not mean just owning a domain name and a website. You need to be easily noticeable and your potential customers should identify and get you easily. For that, you need to promote your online presence. It does not matter whether you are providing services of products online or not. Even if you are operating an offline business, you need to have your powerful identity over internet, so that the potential customers of your products and services segment can find you easily.

 

Online advertising helps businesses in targeting global customers. You can operate your business from anywhere in the world and serve your customers across globe if you have your powerful presence online. Therefore, online advertising serves your aspirations of getting global exposure within very short span of time.

 

Online promotion of your online identity, your products or services being offered by you is very cost effective. You do not have to spend lot of money for promoting yourself on internet. Your expenditure in online promotion is just a fraction of what you had to spend on traditional modes of advertising in popular print and electronic media. Therefore, cost effectiveness is the most important purpose behind stress on online advertising. Through online advertising people can expect maximum returns of their investments.

 

There are different forms of Internet Advertising. Banner advertising and pop-up ads are now matter of past. They are still present and equally popular as they were before, but now the stress is on search engines based advertising. People now understand that if they are getting top search engine ranks in almost every popular search engines, then no one can stop them from getting success in their business.