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Las Vegas Sands Corp. is IPO of the year
by Iulia Pascanu

Sheldon Adelson, founder and owner of Las Vegas Sands (LVS), won $690 million on December 15 2004, in the most profitable initial public offering (IPO) in the American gaming industry. Las Vegas Sands is the company that owns the Venetian Hotel & Casino on the Las Vegas Strip and Sands Resort in Macau, a former Portuguese colony, nowadays reinstated to China. The company sold nearly 24 million shares, that sum as little as 6.8 percent of LVS. According to some financial analysts, being such a ti ...

Why Lotto Wheeling Works
by Mandy Sheridan

You may occassionally come across websites or individuals who claim that lottery 'wheeling' doesn't work (wheeling is multiple entries using combinations of a set of numbers). The usual justification for this is that they say you are entering the same number multiple times in order to create your wheel, and thus spending money needlessly. They are correct in one sense - after all, you could cover all the 49 numbers in the UK national lottery (the 'Lotto') in only 9 tickets (6 different numbers p ...

Foreclosure Scams To Be Aware Of
by Mark Lambie

Homeowners facing foreclosure should be aware of unscrupulous lenders and scammers. Don’t get me wrong, most lenders and agencies are reputable and legit. However some lenders, commonly second mortgage issuers will use unethical practices that increase the risk of nonpayment by the borrower. These tactics may include lending a large amount in hopes that the borrower will not be able to keep up with the payments, charging outrageous interest, points or fees. They may also repeatedly refinance the ...

Management Wants Faster Implementation Of New Organizational Strategy (Part III).
by Mike Hayden

Is anyone not affected by a reorganization? In the last couple of weeks, I have discussed reorganization and how you can manage employees who are affected positively or negatively. What about employees not affected by a reorganization? Even those not affected on your Org Chart will be affected psychologically. Yes, they will have the same manager and the same agreements. But, most of the time ANY change is threatening to the mind. That's why it is so important to make your announcement(s) tim ...

Job Search Lessons from The Super Bowl
by Jeff Altman, CPC, MSW

The Super Bowl is a game but, like sports in general, it offers useful life lessons that we can take with us . . . if we only look below the surface. As I watched the game, I saw a number of things. How many did you see? 1. Winning is a team effort. The teams that make it to the game don’t get there by accident. There are teams of planners and leaders who are constantly evaluating player performance and performing competitive analysis of the team and its capabilities with others. Scouts are look ...

Dealing With Clients Not Paying Your Invoice
by Inka-Maria Kunz

Providing a translation is providing a service. Imagine you having provided the appropriate service, delivered it on time, invoiced the client accordingly (indicating a payment date not so far into the future) and the suggested payment date comes and goes without any money pouring in on your needy bank account – what do you do, how do you react? Needless to say that we are not considering the fact of this being a client that has been employing your company for a while or due to some unknown stro ...

Relocating for Retirement? Which Realtor Can Help You?
by Elaine VonCannon

I am a native of Tidewater Virginia, which encompasses counties and towns in the Chesapeake Bay area from Virginia Beach, to Hampton, Newport News, Williamsburg and New Kent County. Even before I entered the real estate profession I watched the real estate market change and evolve over many decades. The Tidewater area, which includes Greater Williamsburg, is a pleasant location for retirement mainly because of the temperate climate and convenient location on the Eastern seaboard. Many military r ...

How To Prepare Yourself For The Challenges as a Freelance Translator
by Inka-Maria Kunz

Some simple question – but suddenly not so simple when it comes to answering. What exactly is your vision? What services do you want to offer as a freelancer? Do you want to offer just translation or just interpreting or both? And if any of these apply, than what language combination, what field i.e. technical, legal, marketing, financial, and medical? Once you answered these questions, the interesting part starts, why should any of the potential customers out there choose your company for these ...

How To Choose An Equipment Leasing Company
by George A. Parker

Each year, thousands of U.S. companies face the challenge of finding attractive financing to acquire business equipment. Equipment leasing has become a preferred form of financing, accounting for more than 30% of business equipment acquisitions. Many companies approach the lease sourcing process seeking the lowest lease rate. While securing a low rate is a worthwhile goal in choosing a leasing arrangement, it alone is usually not a reliable standard for obtaining the best lease transaction or le ...

Create a Business You Love
by Damien Senn

So you have entrepreneurial aspirations, but you’re stuck in a job working for someone else. You wake up, commute to work, work hard, pay your bills and then come home exhausted. You repeat the pattern for another four days, becoming increasingly tired as the week progresses. By the time Friday night comes around you are absolutely shattered requiring every second of your weekend just to recover! And just as you start to feel as if you have your life back, your alarm clock goes off on Monday mor ...

A Great Answer To “What Is Your Biggest Weakness?”
by Shari Peace

A true story . . . A flight attendant candidate applied for a job at one of the world’s leading airlines. Her interview consisted of a panel of interviewers sitting across from a row of candidates. The interviewers went down the line and asked each applicant the stereotypical question, “What is your biggest weakness?” The flight attendant in question had a smooth, professional response prepared: While I believe I do have weaknesses,” she said, “I don’t believe I have any that would affect my ab ...

Tax Reform, My Way
by Terry Mitchell

We need real tax reform and we need it now. Previous attempts have been made at tax reform, but they have only provided band-aid solutions that have still left us with too many quirks, complication, and read tape. There are several things Congress could do to simply the tax system and benefit the taxpayers and federal budget at the same time. First, I would institute a simple two-tiered tax on earnings and passive income (interest, dividends, capital gains, etc.) that are not in a tax-sheltered ...

The Truth Behind Linear Selling: Why It Can Make Prospects Run The Other Way
by Ari Galper

Sean works for a major telecom company. During one of our coaching sessions, he told me, I've been diligent about following the sales process that my company believes is required to make a sale -- but, for some strange reason, my prospects don't want to fit into that process. What am I doing wrong? Sean's comment struck me because it spoke to years of traditional selling programs that promote linear selling -- moving prospects along from one step to another until they say yes -- as a guarante ...

Branding and Internal Communication
by Robert F. Abbott

In the I-HR newsletter, moderator Beth N. Carvin asked if the idea of branding could be used, effectively, to improve productivity and retention. This is an expanded version of my response to her question: Yes, I think you can use the idea of branding as a tool for improving employee productivity and retention. Let's approach it from the perspective of a manager communicating with his or her subordinates. If the manager sets out to build a positive reputation over time and over a series of mes ...

How important is content to a successful website
by Susan Prince

Content is the most important part of any website. The Internet was created in the first place as an information source. If the content on your site does not provide the information needed by its users it will provide little in the way of value to your visitors who surf for information on many subjects. They require answers or solutions to their problems, needs, desires and wants. Provide the answers and they will return again and again. A website is simply a way to communicate whatever message ...

Beating Business Burnout
by Lynn Colwell

5 Remedies for relief when the pressure's on. Victoria Nuttall is a graphic-arts consultant with skills that should have been appreciated. I was working 50 to 55 hours a week, feeling like a real hero to the company because I was putting out work no one else could do at that time, she says. They had me train people and expand the department, but never consulted me on new equipment purchases and procedures. Add to this a bad relationship with an operator I trained and management that didn't care ...

Could a Roth IRA be Better Than a 401(k)?
by Terry Mitchell

Very few people whom I know are familiar with the benefits of the Roth IRA. It was named for the late Senator William Roth of Rhode Island, who proposed it. It is similar to a traditional IRA except contributions are never tax-deductible. Contributions to traditional IRAs are sometimes deductible or partially deductible, depending on your income and whether or not you have a retirement plan like a 401(k) at work. With Roth IRAs, individuals are limited to incomes of $95,000 ($150,000 for couples ...

Conquering Confidence Killers for Small Business Success
by Peggie Arvidson-Dailey

The way to develop self-confidence is to do the thing you fear. -- William Jennings Bryan Whether you're generally a self-confident person, or someone continually plagued by self- doubt, you'll recognize some of these confidence killers if you: Are overly dependent on the thoughts or opinions of others; Avoid meeting new people because you're afraid you won't fit in, be liked, or be accepted; Focus on unrealistic expectations (I must do each job perfectly; If one person is unhappy then I hav ...

Avoid the Three Biggest Financial Pitfalls
by Terry Mitchell

For the average person and/or family, the three biggest financial pitfalls to avoid are new vehicles, credit car interest, and short-term loans. Any and all of these can drain a person's or family's coffers of much needed funds. At best, they create opportunity costs, i.e., money spent on them could be better spent on sound investments like a home or stocks (both of which appreciate in value over the long term) or on college or retirement savings. At worst, they can eventually create financial h ...

Ben Franklin Didn't Quite Get It Right
by Terry Mitchell

When Ben Franklin said a penny saved is a penny earned, he didn't quite get it right. Actually, a penny saved is worth more than a penny earned. Do you find this statement shocking? I am about to prove to you that what I'm saying is true. Most people erroneously believe the best way to strengthen their financial health is to increase their income. On the contrary, saving money by cutting costs will get you there quicker. You see, it's very simple. When your income increases (with some exceptions ...

Resume Outline - Add Structure & Flow to Your Resume
by Roger Clark

Building your resume, based on a resume outline will give it structure and flow... it provides an outline of all the things you should include in your resume. A resume is one of the most important documents you will ever create First you have to decide on a particular format for your resume. The two main formats in use today are chronological and functional format. Which one is best to use will depend greatly on your situation. To build your resume you can use free resume forms located on the ...

Resume Objectives ... The Hidden Pitfalls
by Roger Clark

Why Use Resume Objectives Before we can discuss the pitfalls you first need to understand the reasons for including your resume objectives and how they relate to your resume and interview selection process. Including an objectives section at the beginning of your resume provides a brief introduction to the purpose of the resume, highlighting your career objectives and the type of job you are seeking. It is very common for job-seekers to include a brief objectives section at the beginning of th ...

Moving Into Your First Apartment-Know All The Costs
by Dan The Roommate Man

When you move in to a new apartment, the landlord may charge you more than the first month's rent. Before you sign the lease, make sure you understand exactly what you're going to be charged, and get it in writing. Security Deposit: This is mini-landlord insurance. The deposit is equivalent to about one to two month's rent and can cover anything from a broken window to stained carpet. At the end of your lease, the landlord will conduct an inspection and see whether or not he or she needs to use ...

How To Get An Extension To File Your Business Tax Returns
by Richard A. Chapo

Yes, the tax season is upon with the first filing date for some businesses being March 15, 2005. If you can’t imagine getting your tax returns together by that date, you need not worry. The IRS automatically gives you an extension if your file the appropriate form. As you might expect, there are different forms for different businesses. An Important Note It is vitally important that you understand that an extension to file taxes is not an extension to PAY taxes. The IRS will give you a break o ...

Top Career Advice ... More Choices and A Better Way of Life
by Roger Clark

Why Career Advice Is So Important Choosing a career presents a nerve-racking decision, as it can have a life-long impact on you. Do not fret, as you can gain a clearer outlook into your future by thorough career planning. Having a clear vision of the future can guide you by helping you set career goals and helping you on your way towards attaining them. Whether you are starting out on a new career or looking to change your current career,