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    Can Buying Groups Save You Money?
    Let me give you a brief history of Group Purchasing Organizations (GPO). They have been around for decades. Do you know what types of businesses get the best pricing on all of the goods and services they purchase? The answer is healthcare facilities. Do you know why? I’ll tell you. Nearly any healthcare facility in the nation that is making a profit belongs to a buying group.The average healthcare facility belongs to two GPOs. Thousands of facilities join together to negotiate contracts with their vendors. Vendors aggressively compete to get awarded the group’s contracts. As a result each group member saves money on everything they purchase. Annual membership fees range from $250.00 - $20,000.00. The concept is slowly evolving into other industries. Today there are National GPOs for Universities, Engineers, Cable Television/Satellite Installers and one for Small & Medium Size Companies. Smaller GOPs have formed at the regional, state and local level for a variety of industries.Pros and Cons of the National GPOsThe benefit to the national buying groups is that their size gives them the volume to negotiat
    p>

    • Working from home, which is much easier in these days of tele-working and computer links.

    • Downshifting, where a member of staff agrees to less responsibility for less pay. This can be very useful in the run-up to retirement, and often goes hand in hand with choosing to go part-time.

    The benefits (and barriers)

    In the past, an employer’s initial reaction to flexible working patterns was likely to be a downright refusal to consider these, on the grounds that it would cost money, be difficult to administer and make work, and that no serious career player would want to work anything other than full-time anyway. Nowadays such an attitude would be seen as short-sighted and counterproductive:

    • Staff want a better life-work balance at all ages. Those employers who can accommodate this by allowing flexible working patterns will be

    Plastic Loyalty Cards - The Loyal Plastic Card
    Plastic cards. They are not new. But what is interesting is that companies are increasingly seeking new and innovative ways to utilize plastic loyalty cards for a long lasting branding impression, in addition to their provision for specific messaging.Retailers use this concept well. They know that providing an offer on a plastic card instills loyalty, card retention, brand identification and a “top of mind” awareness that is especially powerful and unique. These plastic cards can be truly thought of as “wallet sized wonders.” They are durable, memorable and kept for a long time.The power and flexibility of plastic loyalty cards is as adaptable as the issuer and the customer wishes it to be. The way these cards lend themselves to a wide variety of business situations is quite impressive.Plastic cards provide marketers with a tremendous array of options. It is now possible to wave a wristwatch and have your car all gassed up. You can flip a keychain and quickly pick up that latest bag of fast food. Flash your plastic when entering the gym, and your next month’s membership fee is paid.The loyalty engendering
    With the end of ‘a job for life’, the ticking of the demographic ‘time bomb’, and the ever-increasing pace of new technology, employers are having to consider a wide range of new working patterns that take account of this rapidly changing work climate.

    So what is the government’s position on these new ways of working; and what are the benefits and potential pitfalls for employers to avoid?

    What is the government doing?

    The government is well aware of the consequences of changing work patterns - not least because they impact on the cost of the state pension to a degree that concerns the government considerably. There have therefore been a number of government-led initiatives in recent years, with more still to come:

    • In 2000 the government introduced a Work-Life Balance campaign, and in 2002, Patricia Hewitt, Secretary of State for Trade and Industry said that ‘More and more British workers are recognising that balancing quality of life and family is as important as a fulfilling career. People clearly want greater control and choice over their working hours but lack the confidence and the knowledge to do anything about it. Stressed workers with frayed nerves cannot perform to their maximum and employers know the damage this can do to commercial success – stress costs British industry ?370 million a year. That is why it is down to employers and employees to work together to find sensible work-life balance solutions, which will result in better results, higher productivity and increased commitment. I am determined to get the merits of flexible working onto the business agenda.’

    • Well established legislation gives part-timers equal rights to full-timers. Legislation such as the Working Time Directive, for example, sets down rules for minimum holiday and a maximum working week.

    • Since 6 April 2003, parents of children aged under six, or disabled children aged under 18, have had the right to apply to work flexibly and their employers have had a duty to consider these requests seriously. Parents have the right to ask for a change in their working hours or their times of work, or can ask to work from home – although this is not an automatic right and the employer can refuse on certain grounds.

    • Since 6 April 2003 the government has increased and extended maternity leave and pay, and introduced rights to paid adoption and paternity leave.

    • From 2006, the government is bringing in age discrimination legislation. Employers will not be able to recruit, train, promote or retire people on the basis of age, and compulsory retirement ages will be illegal.

    Types of flexible working

    There are many well-established alternatives to full-time working:

    • Part-time working, which can vary greatly in hours worked and pattern of hours.

    • Flexitime, which allows staff to choose which hours to work (within pre-set limits), as long as they fulfil the required hours within a set period.

    • Staggered hours, whereby, for instance, some staff come in at 8am and leave at 4pm, whereas others start and leave an hour or two later.

    • Job sharing, where two staff do the job of one full-time staff member by sharing the work in an agreed fashion.

    • Shift working, which enables 24 hour coverage.

    • Unpaid leave, e.g. taking a sabbatical for a period of up to a year after an agreed length of service, or taking a career break whilst children are young.

    • Working from home, which is much easier in these days of tele-working and computer links.

    • Downshifting, where a member of staff agrees to less responsibility for less pay. This can be very useful in the run-up to retirement, and often goes hand in hand with choosing to go part-time.

    The benefits (and barriers)

    In the past, an employer’s initial reaction to flexible working patterns was likely to be a downright refusal to consider these, on the grounds that it would cost money, be difficult to administer and make work, and that no serious career player would want to work anything other than full-time anyway. Nowadays such an attitude would be seen as short-sighted and counterproductive:

    • Staff want a better life-work balance at all ages. Those employers who can accommodate this by allowing flexible working patterns will be r

    Choosing and Using Your Desk
    Whether you are working at home or in the office, your desk is a major key to reducing stress and improving productivity. Make sure that it is not only a place you can function efficiently, but just as important, a place you like to be! A functional desk that is ugly can be as much of a deterrent to productivity as a beautiful desk that is not functional. I have spent nearly twenty years with people at their desks. One thing has become vehemently clear. Your desk can be your greatest enemy or your best friend. Take a good look at your desk. How does it make you feel? Are you comfortable there? Can you do what you need to do there easily? How does it look to other people? Does it reflect the message you want to give to the world about your work and your values? Analyze the kinds of activities you need or want to do at your desk. If you use a computer, an L-shape desk is usually the best option. Use the short end of the “L” for your computer, and the long end for desk accessories, your telephone, and spreading out papers while you are working.One of the major detractors to an effective and attractive desk are those pesky scraps o
    Trade and Industry said that ‘More and more British workers are recognising that balancing quality of life and family is as important as a fulfilling career. People clearly want greater control and choice over their working hours but lack the confidence and the knowledge to do anything about it. Stressed workers with frayed nerves cannot perform to their maximum and employers know the damage this can do to commercial success – stress costs British industry ?370 million a year. That is why it is down to employers and employees to work together to find sensible work-life balance solutions, which will result in better results, higher productivity and increased commitment. I am determined to get the merits of flexible working onto the business agenda.’

    • Well established legislation gives part-timers equal rights to full-timers. Legislation such as the Working Time Directive, for example, sets down rules for minimum holiday and a maximum working week.

    • Since 6 April 2003, parents of children aged under six, or disabled children aged under 18, have had the right to apply to work flexibly and their employers have had a duty to consider these requests seriously. Parents have the right to ask for a change in their working hours or their times of work, or can ask to work from home – although this is not an automatic right and the employer can refuse on certain grounds.

    • Since 6 April 2003 the government has increased and extended maternity leave and pay, and introduced rights to paid adoption and paternity leave.

    • From 2006, the government is bringing in age discrimination legislation. Employers will not be able to recruit, train, promote or retire people on the basis of age, and compulsory retirement ages will be illegal.

    Types of flexible working

    There are many well-established alternatives to full-time working:

    • Part-time working, which can vary greatly in hours worked and pattern of hours.

    • Flexitime, which allows staff to choose which hours to work (within pre-set limits), as long as they fulfil the required hours within a set period.

    • Staggered hours, whereby, for instance, some staff come in at 8am and leave at 4pm, whereas others start and leave an hour or two later.

    • Job sharing, where two staff do the job of one full-time staff member by sharing the work in an agreed fashion.

    • Shift working, which enables 24 hour coverage.

    • Unpaid leave, e.g. taking a sabbatical for a period of up to a year after an agreed length of service, or taking a career break whilst children are young.

    • Working from home, which is much easier in these days of tele-working and computer links.

    • Downshifting, where a member of staff agrees to less responsibility for less pay. This can be very useful in the run-up to retirement, and often goes hand in hand with choosing to go part-time.

    The benefits (and barriers)

    In the past, an employer’s initial reaction to flexible working patterns was likely to be a downright refusal to consider these, on the grounds that it would cost money, be difficult to administer and make work, and that no serious career player would want to work anything other than full-time anyway. Nowadays such an attitude would be seen as short-sighted and counterproductive:

    • Staff want a better life-work balance at all ages. Those employers who can accommodate this by allowing flexible working patterns will be

    What is the Effective Business Card Design for Web Designers?
    The number of web designers have increased in the past years mainly because more and more people have discovered the benefits of doing business online. If you look around, you will notice that the most successful web designers in the business are those who are very creative and original. The different software available in the market could never duplicate natural talent and skills. Many web designers today have chosen to be self-employed. It could be quite difficult at the beginning. But as soon as they have established themselves, customers would be pouring in.If you are considering establishing yourself as a freelancer, you should have both the talent and the equipment to be successful. Another important and basic tool you should get is a business card that reflects your positive qualities. Business cards are the most cost-effective tool you can utilize especially if you have no client base yet.An effective business card design for web designers will be something that would make an impression with potential clients. If you want a design that accents your creativity, then you could have a colored business card that simp
    orking Time Directive, for example, sets down rules for minimum holiday and a maximum working week.

    • Since 6 April 2003, parents of children aged under six, or disabled children aged under 18, have had the right to apply to work flexibly and their employers have had a duty to consider these requests seriously. Parents have the right to ask for a change in their working hours or their times of work, or can ask to work from home – although this is not an automatic right and the employer can refuse on certain grounds.

    • Since 6 April 2003 the government has increased and extended maternity leave and pay, and introduced rights to paid adoption and paternity leave.

    • From 2006, the government is bringing in age discrimination legislation. Employers will not be able to recruit, train, promote or retire people on the basis of age, and compulsory retirement ages will be illegal.

    Types of flexible working

    There are many well-established alternatives to full-time working:

    • Part-time working, which can vary greatly in hours worked and pattern of hours.

    • Flexitime, which allows staff to choose which hours to work (within pre-set limits), as long as they fulfil the required hours within a set period.

    • Staggered hours, whereby, for instance, some staff come in at 8am and leave at 4pm, whereas others start and leave an hour or two later.

    • Job sharing, where two staff do the job of one full-time staff member by sharing the work in an agreed fashion.

    • Shift working, which enables 24 hour coverage.

    • Unpaid leave, e.g. taking a sabbatical for a period of up to a year after an agreed length of service, or taking a career break whilst children are young.

    • Working from home, which is much easier in these days of tele-working and computer links.

    • Downshifting, where a member of staff agrees to less responsibility for less pay. This can be very useful in the run-up to retirement, and often goes hand in hand with choosing to go part-time.

    The benefits (and barriers)

    In the past, an employer’s initial reaction to flexible working patterns was likely to be a downright refusal to consider these, on the grounds that it would cost money, be difficult to administer and make work, and that no serious career player would want to work anything other than full-time anyway. Nowadays such an attitude would be seen as short-sighted and counterproductive:

    • Staff want a better life-work balance at all ages. Those employers who can accommodate this by allowing flexible working patterns will be

    A Quick Guide in Payment Processing Services and Terms
    Most successfully businesses use one or more 3rd party payment processing services to process their credit card orders on Internet, since this doesn't require to obtain a direct merchant account or to setup expensive ssl certificates. The 3rd party payment processing services handles payment by credit card (and usually can handle checks and other forms of payment as well), and sends the seller a monthly (typically) check or wire transfer, minus various processing fees, which vary from service to service.These 3rd party payment processing solutions give the seller a link to a secure webpage where they can redirect their customers to, for completing the order. While the method has many benefits, it also has disadvantages.Below I would like to make an introduction of the basic terms and concepts used by the standard payment processing services, to help sellers Understand better what they need to compare when choosing an payment processing service.Payment Cycle- the time interval during which orders are taken for one payment. Can be monthly, bimonthly, weekly, etc. After each payment cycle ends, the pay
    y retirement ages will be illegal.

    Types of flexible working

    There are many well-established alternatives to full-time working:

    • Part-time working, which can vary greatly in hours worked and pattern of hours.

    • Flexitime, which allows staff to choose which hours to work (within pre-set limits), as long as they fulfil the required hours within a set period.

    • Staggered hours, whereby, for instance, some staff come in at 8am and leave at 4pm, whereas others start and leave an hour or two later.

    • Job sharing, where two staff do the job of one full-time staff member by sharing the work in an agreed fashion.

    • Shift working, which enables 24 hour coverage.

    • Unpaid leave, e.g. taking a sabbatical for a period of up to a year after an agreed length of service, or taking a career break whilst children are young.

    • Working from home, which is much easier in these days of tele-working and computer links.

    • Downshifting, where a member of staff agrees to less responsibility for less pay. This can be very useful in the run-up to retirement, and often goes hand in hand with choosing to go part-time.

    The benefits (and barriers)

    In the past, an employer’s initial reaction to flexible working patterns was likely to be a downright refusal to consider these, on the grounds that it would cost money, be difficult to administer and make work, and that no serious career player would want to work anything other than full-time anyway. Nowadays such an attitude would be seen as short-sighted and counterproductive:

    • Staff want a better life-work balance at all ages. Those employers who can accommodate this by allowing flexible working patterns will be

    What Does Your Environment Say About You And Your Business?
    Even though this is the last issue in our series on mindset, the topic itself is always there because every action we take is born from a thought we had first. What we think comes from how we think. For example, becoming successful starts with thinking you’re going to be successful, which was born from the idea that you can be successful. No one goes into business thinking they’re going to fail.An interesting twist on this is that in order to be successful, we have to project an image that says we already are successful. This is because each of us wants to do business with someone who’s an expert at what they do. When we’re looking in the yellow pages for a plumber, we’re not thinking “Now which one of these is the cheapest?” We’re trying to figure out which one is the best.Our brains are constantly scanning our environment and attempting to make sense of what they see and come into contact with. To do that, the brain compares the new experience to past experiences and makes a judgment call about the new experience. It labels that new experience based on how it compares to the old experience.Let’s say you
    p>

    • Working from home, which is much easier in these days of tele-working and computer links.

    • Downshifting, where a member of staff agrees to less responsibility for less pay. This can be very useful in the run-up to retirement, and often goes hand in hand with choosing to go part-time.

    The benefits (and barriers)

    In the past, an employer’s initial reaction to flexible working patterns was likely to be a downright refusal to consider these, on the grounds that it would cost money, be difficult to administer and make work, and that no serious career player would want to work anything other than full-time anyway. Nowadays such an attitude would be seen as short-sighted and counterproductive:

    • Staff want a better life-work balance at all ages. Those employers who can accommodate this by allowing flexible working patterns will be rewarded with more loyal staff who choose to stay and are absent less often. The company will have less problems with recruitment. Happier and less stressed employees are also more productive, and this in turn leads to more profits.

    • We live in a society where consumers are increasingly expecting their needs to be met 24 hours a day. To satisfy this is impossible without shift working, job sharing, part-time workers etc. Furthermore, machinery can be used to its fullest extent in a workplace where flexibility is built in.

    • Half the hours does not equate to half the effort (or half the commitment). Employees with the ability to manage their work-life balance better are more committed, not less. A company that exhibits this commitment to employees’ needs will get and retain talented people who will be prepared to commit their efforts in return.

    • An employer who can offer truly flexible working patterns is an employer of choice who will attract the best and most diverse workforce.

    Despite these advantages there are still some barriers to be overcome - although these are steadily falling:

    • The government is slowly but surely tackling legislative barriers, such as rigidity in Inland Revenue rules which makes it difficult for older people to vary their hours downwards near retirement whilst maintaining a reasonable standard of living. Companies will have to follow suit with the rules of pension schemes being made equally flexible.

    • Attitudes must also continue to change. The culture of deciding that older people are unemployable will soon be illegal, but we need the perception of managers and colleagues to move with the times as well. There is still a macho culture in many workplaces, which says that anyone taking career breaks, working part-time, or not putting in very long hours, is not serious about their career. This is short-sighted and wrong but must still be overcome.

    How are organisations reacting?

    The majority of employers fall into one of three distinct categories:

    1. The ‘Proactive Group’. These are leaders in creativity and innovative thinking about how best to engage a quality workforce. In employee surveys they are invariably within the top 100 companies to work for.

    2. The ‘Reactive Group’. They know that flexible working is a good idea but tend to react to market trends and pick up initiatives from others. They often provide flexible working through fear of the consequences if they don’t.

    3. The ‘Change Resistant Group’. These are often small companies with less capacity (as they see it) for flexibility. They are likely to perceive that it only applies to their female, non-technical staff. They resist the idea because it looks risky and, at face value, is difficult to set up and administer.

    These three groups may benefit considerably from the independent experience and expertise available through an external consultant. For example:

    • Group 1 may benefit from an objective forum for creating and analysing ideas, providing facilitation, quality assurance and risk analysis - and ideas the organisation may not otherwise think of.

    • Group 2 may need practical advice to help with increasing their knowledge and developing the new ideas needed to integrate flexible working into their company culture and ultimately move them into Group1.

    • Group 3 may need support to increase their knowledge, work through the risk f

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