Thursday, April 12, 2012

How to Retire Overseas in Stages : YOU GO USA

Selling all we possess and withdrawal your home, family, and friends competence seem like a bold, intimidating, and even absurd idea. Maybe we don?t wish to sell your residence or be a craft float divided from your grandchildren all year long. Perhaps we have business or family responsibilities in a U.S. that would make it untimely to reside abroad full time. Or maybe you?re not looking to leave home, yet to shun winter and to classify your life so that we never have to trowel another driveway. These are all good reasons to retire abroad part-time.

Moving abroad for partial of a year could also assistance your budget. If your retirement nest egg has taken a violence recently, your prospects for retirement vital in a U.S. competence seem grim. But if we spend half a year some place where a cost of living is significantly reduced and lease out your U.S. home while you?re away, your retirement finances could be stretched. Retirement could go from a source of regard to a means for fad upheld by a good supplemental income.

My father and we haven?t been means to settle on one retirement locale. We like to travel, and we suffer change and contrast. Plus, we?ve done friends and determined roots in several places around a universe where we like to spend time. Our ultimate retirement devise is to pierce among a places where we?ve grown connectors and where we feel during home. We devise to spend open in Paris, summer in Istria, Croatia, tumble in Buenos Aires (where a tumble is their spring), and winter on a Pacific seashore of Panama.

That competence seem overly desirous to you. More essential and apart some-more docile is spending half a year in a U.S. and half a year someplace gentle and balmy when a days behind home have incited icy and gray. Top snowbird destinations embody Panama, Mexico, and Nicaragua. You could also spend partial of a year in Argentina and Uruguay, where a seasons are a retreat of those in North America. These aren?t pleasant getaways, yet are worldly wintertime shun options.

Other places that make clarity as part-time retirement choices are those where substantiating full-time residency is a con or even impossible. It can be formidable to classify full-time authorised residency as a retirement in Croatia, for example. And many foreigners sojourn indefinitely in Thailand but formalizing their stays, creation ?visa runs? each few months to modernise their traveller papers. we don?t suggest this. It can be easier and safer simply to extent your revisit so that we don?t overstay your traveller visa, creation Thailand another good part-time option.

If we have an seductiveness in vital abroad, we don?t have to sell all we own, contend good-bye to everybody you?ve ever known, and take off for a new life in some apart and outlandish place, never to be listened from again. That?s not a usually approach to comprehend a many advantages of timid overseas. If you?re only warming adult to a thought of spending your retirement years in a new country, take a vigour off. This isn?t all or nothing. You can live abroad part-time, and we can make a transition in stages.

Ann and Mike Kuffner reinvented their lives gradually. Their abroad adventures began with a holiday in a Caribbean, and yours could, too. Start by holding a outing to a Caribbean, Argentine booze country, Nicaragua?s crashing Pacific, or Panama?s highlands. Book a craft sheet and go visit. Spend a few weeks or a month, provide it as a holiday, and see where this getting-started tour leads.

The Kuffners gradually changed from a San Francisco Bay area to Ambergris Caye, Belize. They done a part-time pierce in tiny steps. First, Mike, a self-employed architect, began spending time on Ambergris Caye, a month or so during a stretch, removing gentle with a thought of island living. Over time, Mike reduced his client-load and began fluctuating his stays on Ambergris. Ann kept her clamp boss position behind in California and would join him as mostly as possible. Eventually, Mike identified a square of land he was meddlesome in buying, and a integrate began construction on what they creatively dictated as a vacation house.

Mike began vital on a island for 3 months and longer during a stretch, and Ann flew behind and onward regularly. And what had begun as a whim grown into a new life. After some-more than 3 years of part-time retirement in Belize, a integrate motionless to start a second career there.

Ambergris is home to a flourishing village of expats who are lacking many of a products and services they skip from home, and they are typically some-more than happy to compensate for them. Ann and Mike beheld all kinds of marketplace voids. And, a longer they were there, a some-more ideas they had for ways to residence these marketplace gaps. ?We had fun kicking around ideas for businesses we competence both enjoy,? says Ann. ?And a improved we got to know a island, a some-more niches we saw that indispensable filling.?

The integrate built a San Pedro Family Fitness Club, with tennis courts, a three-tiered pool, and a finish examination facility. ?Because I?m a health nut, Mike and we beheld right divided that there weren?t any health clubs on a island,? says Ann. ?We felt this was a time to go for it. We were both still comparatively young, healthy, and energetic. We satisfied that this competence be a final possibility to take on this kind of challenge.?

The Kuffners are gay with a new life they?ve done for themselves overseas. ?In a beginning, we were drawn to this place by a Caribbean, by a warm, transparent waters alive with sea life all year long,? Ann says. ?What kept us entrance back, though, and what, over time, swayed us to make a jump from part-time island vital to a full-time relocation was a village we discovered.?

Kathleen Peddicord is a owner of a Live and Invest Overseas edition group. With some-more than 25 years knowledge covering this beat, Kathleen reports daily on stream opportunities for living, retiring, and investing abroad in her giveaway e-letter. Her book, How To Retire Overseas?Everything You Need To Know To Live Well Abroad For Less, was recently expelled by Penguin Books.

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daydaily ? Blog Archive ? Organizing Team Building Events for ...

Written on April 11, 2012 ? 8:15 pm | by sachin |

In any corporate work environment the key to success is teamwork. Without teamwork it will be difficult to move everyone towards the same organizational goal. If you are not working as a team it gets difficult for you to know what the other person is thinking and planning to do. Not only is this counterproductive, it is extremely unprofessional. For the success of a business it is important to maintain good relationship with the present and prospective clients, and with each other in the company. Corporate team building can assist you to achieve all the necessary skills to maintain interpersonal relationships and teamwork.

Having a positive and growing relationship with clients and colleagues ensures a healthy personal and organizational growth. A team leader has to play a major role in improving team work and increase employee productivity. As a team leader one need to set the example for others to follow. This is one of the most important parts of corporate training. To achieving the goals of the company it is vital to work on team building. You want to achieve the goals as quickly as possible and that will not be possible unless you work in a group together in the same direction.

Though the tool of team building training is used in many settings, such as classrooms, to teach school children the value of working well with each other and to impart valuable social and group setting skills to them, the real value of team building exercises is most pronounced in business and corporate settings. This is so because in general the work environments focus just on individuals and their personal goals. Rewards and recognition often single out individual employees and their own achievements and do not consider the contribution of other employees? contribution in individual success. Therefore it becomes even more important to create healthy work groups in large companies to motivate employees.

The primary benefit that is gained through corporate team building is that you get adaptable team members who trust each other and communicate well. Team building sessions are fun filled and allow the participants to appreciate each other?s qualities and strengths. With corporate team building it is advisable to have the whole facility for the day. It will get you personal attention throughout your corporate team building. You can have a training that is tailored exactly to your business needs. Corporate team building gets you privacy as well as stimulating employee team building at your facility.

When you use?corporate team building?the team can work together for the benefit of the company and themselves. The? corporate team building sessions can be held anywhere from the company premises itself to a luxury resort.

It is not easy to hit upon the best team building activities or games to meet your specified needs. Therefore you may need to take a lot of trial and error to see what is working for you. Once you find the best program suitable to your work culture and organizational goals you can organize these sessions on a regular basis to ensure efficient team of employees. When your team gets their ideas and skills together to achieve common goals there is no stopping them.

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For today only the iMore iPhone Accessory Store has the Qmadix Xtreme Protective Case for iPhone 4S and iPhone 4 on sale for only $16.95. That's a titanic 52% off! Get it before it's gone!

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Sticker shock: New car prices hit record high

By Paul A. Eisenstein, The Detroit Bureau

Remember ?sticker shock??? After several years of heavily discounting their products in a desperate bid to keep assembly lines rolling, automakers are finding themselves back in the driver?s seat?again ? pushing prices to record levels.

And it?s ?not a blip,? warns one senior analyst, who expects the trend to continue for several years. The good news for shoppers is that trade-ins are also yielding better prices ? and while that new car, truck or crossover may command more money than ever before it?s also likely to include significantly more features and markedly better fuel economy than the vehicle it replaces.

Live Poll

How much do you expect to spend on your next new car?

The average new vehicle sold in the U.S. in March cost $30,748, according to data tracking service TrueCar.com.? That was up 6.9 percent from $28,771 a year earlier and marks an all-time record.

?It?s not a blip. It?s a trend we?ve been seeing for months,? said Jesse Toprak, TrueCar?s chief automotive analyst.? That?s despite the fact, he says, that ?this might seem counterintuitive at a time you might expect to see people buying cheaper cars because fuel costs are rising so fast.?

But there have been a number of counterintuitive trends in the industry in recent months.?One is?the surge in overall car sales, which have been rebounding faster than the U.S. economy ? despite the fuel price spike that, in decades past, might have been expected to result in a sharp downturn in demand.

There are a number of reasons why new car prices are spiking.? A key reason is ?There?s a better equilibrium between supply and demand,? noted Toprak, ?which means discounting isn?t needed as much.?

Dodge Dart Gets First Factory Wireless Charging System

While March saw vehicle sales surge to an annualized rate of around 14.5 million, that?s a long way from the decade-old industry peak of around 17.1 million.? In years past, makers would?ve been tacking on massive rebates and other incentives to boost sales. But in a significant move during the recent recession, many makers slashed production capacity, especially Detroit?s Big Three.

And so, with the remaining plants operating at,?near and sometimes above?their rated capacity, carmakers don?t need to be so generous. March incentives, according to TrueCar, slipped 1.8 percent, year-over-year, to an average $2,440 per vehicle.

There?s another reason why the run-up in pricing might seem unlikely.?There?s been a significant upturn in the small car market with motorists trading big SUVs for compact crossovers and full-size sedans for subcompacts.? Nearly one in four vehicles sold in March fell into the small car category, up from barely one in six as recently as December, according to industry data.

Ford, Nissan Abandon Key Hybrid Programs

But don?t think of them as the classic ?econoboxes? that proved so popular ? briefly ? in the wake of the twin oil shocks of the 1970s. Products like the 2012 Ford Focus and the latest-generation Hyundai Accent are far more stylish and well-equipped.

Consumers, meanwhile, ?are upgrading the vehicles they?re buying,? no matter what class they fall into, noted Art Spinella, lead researcher at CNW Marketing.

In the decades that CNW has tracked automotive buying patterns, the typical vehicle will fall into the 50th percentile ? almost exactly halfway between the base price of a specific nameplate and the most heavily loaded version.?In other words, if the entry model was $20,000 and a fully loaded version was $40,000, the typical buyer would spend $30,000.

But now, said Spinella, the average vehicle is falling into the 82nd percentile.? Using the same example, the typical shopper now drives off in a vehicle costing $36,400.

U.S. Fuel Economy Tops 24 MPG for 1st Time

?People are trying to stuff all the bells and whistles they can in a car? in part, Spinella explained, because ?they plan to keep it longer.?? Prior to the Great Recession, buyers told CNW they plan to hold onto a new vehicle, on average, about 42 months.?That?s now up to 57 months.

The good news is that buyers aren?t necessarily spending a lot more out-of-pocket.?That?s because used car prices have also surged over the last several years.? During the first quarter of 2012, the price of the average previously owned vehicle sold through a franchised new car dealer rose 12.5 percent, or about $1,400.? For the consumer, that meant a bigger trade-in allowance to apply to a new vehicle.

The upward trend in pricing is almost certain to continue, at least barring a sharp setback to the economy, industry analysts agree.

?The long-term trend is gradual price increases continuing for several more years as sales recover to 15 million and even 16 million,? forecast TrueCar?s Toprak.? ?But the pace (of the increase) we?ve seen over the last several years isn?t sustainable.?

He anticipates prices will start to level off as they reach an average $31,000.

Let us know how you feel?about sticker prices on our Facebook page.

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Video: The Case Against Apple

CNBC's Jon Fortt has the details of the federal action against Apple regarding the e-book market.

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Detroit Business Consulting's Blog: Detroit Business Consulting is at ...


The Detroit Tigers played their opening day game last Thursday at Comerica Park! Since this is such a popular event in the metro Detroit area, we had a two week competition in the office for tickets to go to the game. Ryan, Mike and Elizabeth earned the tickets and got to watch the game four rows behind the dugout in left field! It was a beautiful day for a game and they even pulled off a win to start the season.

What are the next tickets we will be giving away? It looks like we will be getting some Red Wings tickets again this year; their playoffs start tonight!

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Building Safe Work Method Statements

Safe Work Method Statements (SWMS) (also known as safety procedures or safe systems of work) are the developing and construction industry standard for handling the risks associated having a certain construction activity.

SWMS provide the basis for activity induction training: before a crew engages inside a critical activity, they take part within a toolbox meeting based on the SWMS for the activity. In this process the crew is informed about hazards and risks that my affect them; are consulted on these hazards and controls and are able to recommend ways of controlling and determining new hazards. Any sort of hazard peculiar for the site of the activity are identified in this method.

SWMS are probably the most essential element of any OHS Management System manual and the most significant document on the field to manipulate activity hazards and work safely.

The actual objective of a safe work method statement is:

? To define a safe work method of work to get a certain job? To supply an induction document that workers need to read and realize just before beginning a job? To meet legal specifications, that is hazard identification and control? To system work, materials, time, staff, and to anticipate potential difficulties

Your Safe Work Method Statements need to:

? be on your organisation?s letterhead and show the name and registered office address from the organisation? be signed and dated by a senior management representative of one?s organisation, and? prepared for all work activities assessed as possessing high health and safety risks.

Your Safe Work Method Statements need to at least consist of the following:

? a description from the work to become done? the particular actual step-by-step sequence of activities/tasks involved in performing the work? the prospective hazards and risks related with each and every step from the work? the actual safety controls that will be put in spot to minimise the risks? all precautions to be taken to safeguard health and safety of personnel? all health and safety instructions to be given to persons involved with the work? identification of the components of Health and Safety, workplace injury management and workers compensation legislation, regulations, codes, standards and procedures applicable for the work, and where these documents are kept? the names and qualifications of those that will supervise the work, inspect and approve work location situations, work methods, protective measures, plant, gear and energy tools for use? a explanation of what coaching is given to individuals involved using the work? the names of those that will likely be, or have been, trained for the work activities described in the Statements, as well as the names and qualifications of the individuals accountable for coaching them? identification in the plant and gear which is most likely to be utilized on the work site, such as ladders, scaffolds, grinders, electrical leads, welding machines, fire extinguisher, tools and components? details of any Health & Safety permits and licenses necessary to carry out the work and where they are kept? details from the inspection and maintenance checks that will be, or have been, carried out on plant and equipment listed for use

Utilizing the template on the next page, fill details on the 1st page and pursue the steps below to produce the 2nd page:

1. List all the steps required to carry out the activity inside a sequential order2. Consider each and every step in the activity and identify prospective hazards (including any already identified during the Risk assessment method)3. Check the risk of harm arising from the identified hazards using the risk reckoner inside the last page of the template; determine the primary threat rating. Hazards assessed as 1, 2 or 3 are labeled as high risk, 4, 5 or 6 are low risk.4. List the methods needed to eliminate or control the potential risks. The risk of exposure to hazards should be eliminated. If it is not reasonably practicable to eliminate the risk then the exposure to the risk should be reduced so far as it is reasonably practicable by Substitution, Isolation or Engineering controls. Low level controls such as Administrative controls and using PPE should only be utilized in conjunction with one or more in the higher level controls.5. Assess the residual risk ranking following the same process as step c).6. Assign responsibility for applying each control.

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