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Archive for December, 2010

Contrary to what many global conglomerates would like you to believe, detergent formulation does not require chemistry qualifications — you don’t need a degree in chemical engineering, an expensive laboratory or even high start-up capital to be able to make top quality cleaning products. If you have a professionally formulated detergent recipe, and you can follow simple instructions, you can easily manufacture almost any of the cleaning products commonly used in households, business and industry. These products will be as good as, if not better than, any of the leading brands.

And you can make them for a fraction of the retail cost — a bottle of laundry detergent which retails for $5 can cost as little as 30 cents to manufacture. It is an extremely profitable industry in which to start a business. Detergent manufacturers are some of the wealthiest global corporations — it’s a multi-billion dollar industry. You can make household detergents (for dishes, tiles, kitchens bathroom, etc), laundry detergent, plus a wide range of commercial and industrial cleaning agents.

All detergent formulations are engineered with one common purpose: To remove dirt from a surface — whether it be clothing, tiles, dishes, glass, upholstery, floors, carpet or stainless steel. Because there is such a huge variety of different soils and different surfaces, there is also a huge variety of detergent formulations which can be manufactured. Detergent formulation requires the use of two components: Surfactants and builders.

1. Surfactants

Surfactants may be liquid or powdered, comprising organic molecules. Surfactants are “surface active agents”. They lower the surface tension of a liquid. What this means is that when added to water they better able to penetrate through to surfaces and surround soil particles for enhanced cleaning. Surfactants also reduce the interfacial tension between two liquids – whereas oil will usually float on water, the addition of a small amount of surfactant will allow the water and oil to “mix”.

2. Builders

Builders are inorganic such as silicates, phosphates and carbonates. Builders perform many functions within a detergent formulation.

Builders act as water softeners, They also act as an alkaline buffer against acidic soils and help maintain the pH balance of the detergent, Builders help break down and disperse larger clumps of soil, They increase the negative charge on soil particles which helps stop soils re-bind together and redeposit themselves onto the cleaned surface, Builders keep soil particles in suspension which aids rinsing.

It is the combination of surfactants and builders which forms the basis of detergent formulation. What else influences how detergents are compounded? There are three additional factors which determine the effectiveness of a detergent formulation.

1. Agitation
2. Heat
3. Time

Maximum cleaning effectiveness of most detergents is achieved when the above three factors are employed. If one factor is missing, the detergent formulation must compensate for this. For instance, this is the reason for the difference between hand dishwashing liquid and machine dishwasher detergent. A machine dishwasher uses more agitation and more time than would be used in hand dishwashing – hence the need for two completely different detergent formulas. If you have ever tried using hand dish liquid in a dishwashing machine, you will know the outcome — all that extra agitation of the machine will produce an enormous foam-filled dishwasher.

While a little knowledge of the basic principles of formulating detergents will help you understand the processes involved, you don’t need to be a chemistry graduate in order to start a business in this industry. It is easy to follow professionally formulated compounds and start a highly profitable venture manufacturing cleaning products, without any previous experience in this industry.

Is it your first go at buying Erie insurance online? Well, if this is the case then you should know that there is nothing to be worried about. As a matter of fact, doing things online is not only a lot more convenient, it would also allow you to shop around easily before you make a final decision. Needless to say, if you are looking for something that would fit your budget perfectly then the internet would be of great help.

Typically, one would have to call or visit the local offices of their chosen insurance agency in order to get a quote or the information that they require. Of course, you can only take on a few within the span of a day and as such, you are not exactly taking advantage of the competition between these different agencies. Competition means that these agencies would be fighting over the business you’ll be giving by offering you the best rates possible and by talking to as many as you can, you would be able to get the best of the lot. However, doing that the traditional way can be challenging and tedious.

This is where the internet comes in. With just a few simple search words and a couple clicks of the mouse, you’ll be able to get insurance quotes instantly as well as the information that you need. If you’re the type of person who wants to learn more about a particular company that you’re interested in then you can easily do your research online too. You can read various reviews and testimonials written by current and former clients that should provide you with great insight as to how the company takes care of its clients and if they are as reliable as they seem.

More often than not, these insurance companies would have an overview of the different policies that they have on offer thus allowing you to not only compare rates but policy features as well. Keep in mind that these are two of the most important things that you have to consider when taking out an insurance policy for your vehicle. If you don’t have that much free time available then looking for Erie insurance online is certainly a good option to try.

But finding quotes is just the beginning of it. Did you know that you can also file claims or receive updates through your Erie insurance online company’s website any time that you need them? For people on the go, this is certainly beneficial since there’s no need to drive down to the insurance offices and wait around until their claims get filed. Now, you can do it right in the comfort of your own home. Just imagine the convenience!

However, do know that some insurance companies would still require your presence during a meeting for when you’re applying for a particular policy or filing a claim. This happens during the final stages of the whole process, of course. You need not be there throughout the entire thing since you can submit your application form online.

So there you have it, a quick overview of how you can get started with getting Erie insurance online.

Most people have some idea of what accounting is. Every month we all need to pay our bills, and balance our budget. A business is no different; they need to account for the purchases that they make and the money that is coming in. The accounting department at any successful business is extremely busy; their main focus is balancing the budget. This is accomplished by finding the best cost strategies available and overseeing company gains and loses.

The basis of accounting is fairly simple, but surprisingly not a lot of people are aware of the importance of accounting. If you look at Apple, they have a huge accounting firm, if you have a neighbor whose daughter is selling cookies and lemonade she too should have some accounting skills. The idea of making more than you spend is rather simple. Getting there is the tough part and having exceptional accounting skills is essential.

This day an age with the tough economy that we are experiencing balancing a budget is extremely important. Agriculture is a good example of a business that has to be very conservative in their day to day operations. The old adage that farming was a million dollar business and that now you have to be a millionaire to farm is close to reality today. The total net profit is based a lot on the overhead costs to run the farm throughout the year. Without appropriate accounting skills it is rather easy to lose control of the business with one bad season.

As you can see accounting is extremely important in all of our everyday lives. If you are not sensible with your income and debt load it can lead to serious financial problems. There is very little difference between personal finances, and that of a large corporation. Both must balance the bottom line and hopefully make enough money to save and invest for the future.

Writing news remains one of the most coveted journalism faculties. Thousands of writers have earned millions of dollars through writing news fro corporations like Goldman News Corp, CNN, SKY Fox and other well established companies. Online publishing platforms have increased the opportunity of earning a living through writing. However, this platform has opened an aperture for violation of distinctive journalism ethics.

Many experts in the faculty of journalism have sought to verify what are the core practices that can lead to writing of good and credible news. However, this research wont lead to any implication on current news writing practices. The core values of writing good news are actually simple rules that a person who knows the value of the written word can follow. The structure of a news item should be packed with detail and facts about what happened.

Good news are an insignia of credibility and a distinct clamor for worthiness. As such one should engage in distinctive journalism through pitching news that are packed with facts. Two, the journalist should tell away what was the news, where the news came from or happened, who was involved, what happened, why it happened and how it happened. A news story with such a structure will certainly satisfy a reader. The structure actually entails use of detail to comprehensively explain and tell away news. A good news structure can be copied from www.goldmannews.com, a leading news resource that sticks to distinctive journalism. This context explains the basics of how to write news as such could be a comprehensive guide to young journalists who want to excel in writing news.

Everybody loves a piece of land. That is the real limited resource we have on earth. And the government allows us some deductions on them too.

Real estate tax deduction is a policy whereby owning a piece of property like your house gives you many tax advantages. Some of these include:

1. Interest paid on mortgage: permissible unto a maximum if you have bought your first and second homes within $1.1 million.

2. Fee points: completely deductible points, these are arrived at when you have taken mortgages. One point converts to 1% of the original amount and this is literally thousands of dollars and completely deductible.

3. Equity loan interest: certain rules imposed by Internal Revenue department, but partially deductible as it are loan on your home credit.

4. Home improvement loan interest: interest on making improvement but remember, there is a slight difference between a repair and an improvement. You can flout the rules by knowing the difference.

5. Home office deduction: if your home doubles up as your office too, then this is the deduction to make.

6. Selling Costs: these are costs that you normally include like legal costs, transfer costs advertising and admin costs and so on.

7. Capital gains exclusion: is a house which you resided for two years in the past five years, you need not pay any capital gains tax. Married taxpayers can get a maximum limit of $500000 and 4250000 if filed individually.

8. Home moving costs: this is an option available to ones who are relocating. If you are moving to any other part of the stator country, claim it.

9. Property Tax: Finally, the real estate tax (property tax) that you pay to your local government is completely deductible from your federal income tax.

So you see, taxes are not really that harsh, if you plan and make the most of it. Just keep those years and eyes open and make a small payment to those smart tax consultants, they will ensure they will the rest.

WOW! After watching a few of the Rocky movies this weekend on TBS, I couldn’t help but notice how the home based business industry is eerily like some of the Rocky movies. Let’s look at some of the similarities.

We all know Rocky’s story. Here is an underdog fighter looking to be one of the best boxer’s of all time. The odds are stacked against him in almost every fight.

He’s undersized, he’s doesn’t really have a lot of the boxing skills or knowledge to be successful. But the one thing he has…is HEART!!

And the one’s that have HEART and dedication in this industry are the ones who become successful regardless of the skill and knowledge they have when they start.

Now my favorite correlation is actually a quote from Rocky’s wife, Adrian, in the 4th Rocky Movie. It’s when she and Rocky have the conversation for the 1st time after he decides to fight the Russian. She is at the top of the stairs in their house and says: “You’ve heard what they’ve all said, you’ve read the newspapers, It’s SUICIDE….YOU CAN’T WIN!!

That Always gives me the goosbumps. Here’s someone that Rocky is close to and his own wife doesn’t have the confidence in him to accomplish what most people feel is the IMPOSSIBLE.

This happens alot in the network marketing and home based business industry. Even close friends and family think it’s impossible to succeed by taking our lives into our own hands and becoming our own boss by starting our own business.

Now, how I take it, was Rocky was only going to prove himself right, not prove others wrong. This was just another challenge he will have to overcome. Here is a point that I want to make when people start a home business. They have been told by so many ‘NOT to do this’ or they “can’t do this, they’ll get killed and lose their money”. Then the newly home business owner sets out to prove them WRONG!!

This is not the way to go about things. Always believe in YOUR beliefs about yourself and not what others believe. This is what Rocky believed. When people ultimately fail is when they start believing in the beliefs of the “nay sayers” and abandon their own beliefs.

He could have easily listened to what EVERYONE said and backed down from the challenge, but didn’t.

Rocky also gets out of his comfort zone by going to Russia to fight the Russian. Remember what Uncle Pauly said? “Are you nuts?”

I love this because he gets our of his comfort zone and still has the focus and determination under his disadvantageous conditions. This industry can leave us in VERY uncomfortable situations and only the strong will find the way to “win.”

I also loved that Rocky didn’t have the “tools” to train with that he had in the states. No fancy equipment, No punching bag, no sparring partner. He found a way to train to win with what he was given.
Sometimes in the home business industry we may lack some of the tools too. But the ones that find a way, end up winning!

Rocky went into the ring with what most people believed to have No shot of winning. We see Rocky get knocked down many times in the match. But what does he keep doing? He keeps getting up EVERYTIME he falls.

He does this so much that he starts winning over the Russian crowd! I love this too because it shows that others will see your determination and dedication to get what you really want, not just in business, but also in life! This is just the beginning to lead others that you have influenced with your hard work.

In conclusion, we all have our “giants” we have to face in order to accomplish something. We will have our “nay sayers” trying to come in between us and what we want. We will fall down. We may look like we are “down for the count”.
But are you going to keep getting up, when no ones believes that you can get up when beaten down so may times?

This will be the biggest challenge in your life but also the most rewarding!

Cue the Rocky theme song!

Greg Schmidt

Challenging the status quo by inspiring people to find that entrepreneurial spirit that lies with in all of us!