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Get Clues From Nature on Mastering Change
During this time of recession hibernation it is a perfect time to reflect and start fresh. It is the natural thing to do. Unlike the quarterly months of the seasons, the recession hibernation season is going to take longer. However, that doesn’t mean you stop planting seeds for a new future. For many what to plant is a mystery. What was planted in the past no longer bears fruit. One thing to bear in mind when planting is to rotate your strengths instead of relying on past performance and production much like a farmer rotates his crops to enrich the soil.

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Are Small Capital Grants Worthwhile?
The MicroStart approach is to make small grants available to participating MFIs. These grants can be used to cover operating losses or to capitalize loan funds. SUM staff wanted these grants to be a way to funnel small doses of funds in a way that would not overwhelm a small and young MFI’s capacity to absorb them. Each grant has a ceiling of $150,000 and is used for either covering operating losses and/or for loan capital.

Achieveing Fair Financial and NonFinancial Rewards
Employee motivation and performance management depend on good systems that offer both financial and non-financial rewards (non-monetary rewards). This performance management article applies to all organisations. Constant change and high expectations are taking their toll in some organisations, as well as in industry and government generally. Sometimes this is shown in employee turnover. Sometimes it is hidden because of job insecurity. Rewards and remuneration must be scrutinised. Employee motivation and performance are critical. Non-monetary rewards can be as important as monetary rewards. A good rewards and remuneration system ensures that each person receives appropriate financial and nonfinancial recognition to account for the personal contribution they are making and the overall value of their position to the organisation.
Preparation of Profit and Loss Account
As already stated profit and loss account is commenced with gross profit or gross loss as ascertained by trading account. Then the profit and loss account is debited with all indirect expenses and losses. This results in closing of indirect expenses and losses account. The profit and loss account is then credited with various incomes and gains accounts by which all these accounts are closed.
Calculate the Cost of Shoplifting and Employee Theft
Shoplifting and employee theft cost the retailer a great deal in lost profits and everyone and everyone including the consumer pays for this crime. Unfortunately retailers often underestimate the actual figure in terms of losses. Unless a business has strict inventory control it is simple to come up short getting a good sense of overall losses. There is a basic formula for calculating total annual retail losses in your business, which will give you a fairly accurate idea of how much profits are actually walking out your door.
Surviving an Economic Downturn: Creative Alternatives to Layoffs
It seems that you can't escape the headlines these days about the gloomy economic news. In every media outlet, we read or hear about stock market losses, real estate slowdowns, job losses, bankruptcies and bailouts. These are clearly challenging economic times. One key question for your business is how do you handle the economic slowdown when it comes to your staffing levels? Should you institute a hiring freeze? Can you take advantage of layoffs at your competitors by snatching up strong performers that they've been forced to downsize? Or do you need to layoff employees yourself? In this article, we look at some of the options facing small- and medium-sized businesses when determining how to handle their human resources needs during an economic slowdown.

The Benefits Of A Home Based Business
Taking advantage of a home-based business opportunity can afford you many benefits. There are not only the monetary benefits, but lifestyle benefits as well. Whether lifestyle or monetary, these benefits can be far greater than the benefits you receive working for an employer. If you are already working in your own home-based business or just entertaining the idea, be sure to evaluate your options and consider the value of the benefits you will receive. Home-based business opportunities can provide you with independence and financial freedom if you make smart decisions.

Loan Guarantees Main Source of Fannie Mae and Freddie Mac Losses
Single-family homes accounted for 73% of Fannie Mae and Freddie Mac's capital losses from the end of 2007 through the second quarter of this year, their regulator reported this week. The guarantees resulted in losses of about $166 billion during that period.
Loan Guarantees Main Source Of GSE Losses
The government-sponsored enterprises' (GSEs) guarantees of single-family homes accounted for 73% of Fannie Mae and Freddie Mac's capital losses from the end of 2007 through the second quarter of this year, their regulator reported this week. The guarantees resulted in losses of about $166 billion during that period.

Monetary Police is Science, Everything Else is Stamp-Collecting
This new Eric Leeper paper seems delusional in arguing that monetary policy is science, while fiscal policy is stamp-collecting, but I maybe I'm just being crotchety. The piece also comes up with the new-to-me argument that monetary policy would be even better science if it weren't for fiscal policy mucking things up.
Work at Home Business? Are There Benefits?
Taking advantage of a work at home business opportunity can afford you many benefits. There are not only the monetary benefits, but lifestyle benefits as well. Whether lifestyle or monetary, these benefits can be far greater than the benefits you receive working for an employer. If you are already working in your own home-based business or just entertaining the idea, be sure to evaluate your options and consider the value of the benefits you will receive. Work at home business opportunities can provide you with independence and financial freedom if you make smart decisions.

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