Best-In-Class Is Not Necessarily Best-For-You

Everyone is constantly talking about best-in-class, and very often, for the wrong reasons, labeling themselves as such or indicating that is what they strive for. According to the business dictionary, best-in-class is defined as:

“Highest current performance level in an industry, used as a standard or benchmark to be equaled or exceeded. Also called best of breed.”

So what is this thing that many companies strive for, and is it truly what they should be trying to achieve? Sometimes by focusing on best-in-class, are we missing what is best-for-you?

No two businesses are exactly the same — that is a truism. Comparatives are always interesting and knowing what others are doing is of value — what is working or what is not. But there is a danger when looking at best-in-class — who decides what it is, and furthermore, when looking at instituting what someone had deemed as best-in-class — are you perhaps trying to put a square peg in a round hole.

Often times, corporations are disappointed with the results from their efforts to emulate somebody else “best-in-class. Too often, these corporations spend a couple of years trying to implement something, which truly didn’t make sense for them, but because they were told to achieve “best-in-class” and as this is what the “best-in-classes” do, they felt obligated to try. Furthermore, who is it that decides that a certain approach, company, whatever is best-in-class. Where is that Oracle of Delphi that makes this determination?

Don’t get me wrong. I am a big fan of seeing what has worked (or hasn’t) for other firms. Yet once you’ve done that — then look at the business you’re running, and see if it makes sense for you. Having been an executive in many different industries, and consulting in many more, I can comfortably say that the Pareto rule is alive and well. That is to say that 80% of the aspects of the business are similar — processes, business drivers, etc.. However 20% are unique. What I have also learned it that if you ignore that 20%, anything you try to institute is doomed to failure. It is the square peg, round hole scenario.

So let’s give “best-for-you” more credence. Create your own horizon — take heed of the lessons learned from others, but don’t follow blindly — just because some amorphous mass tells you this is what should be done. Create your own footprint… and who knows — tomorrow someone might be calling you best-in-class!

Dental Health for Kids

Dental care is an essential, yet sometimes neglected, aspect of a kid?s overall health. Tooth decay affects in excess of one-fourth of U.S. children aged 2-5 and half of those aged 12-15. The key to effective brushing habits in kids is to start an oral health care program early itself. Good oral hygiene habits should be insisted as early as infancy and constant right through the life. This ensures that kids are not infected with cavities or gingivitis.

The American Dental Association advises parents to start cleaning their baby’s mouth the first few days after birth. Healthy teeth and gums in kids are important for proper chewing of food and clarity of speech. Parents should schedule regular oral health appointments starting around the child’s first birthday. A pediatric dentist may be more suited to your child’s needs during the early years. After each meal the baby’s gums should be wiped with a wet washcloth. This is helpful in removing plaque that accumulates on the gums. When the baby’s teeth begin to erupt, brush them gently with a small, soft-bristled toothbrush using a pea-sized amount of fluoridated toothpaste.

Parents should encourage the kids to spit out the toothpaste at a young age. The other alternative for young children is to use non-fluoridated toothpaste, until they are spitting the toothpaste out. Kids require supplemental fluoride after they are six months old to help prevent cavities. At the age of two or three, parents can begin to teach their kids proper brushing techniques. Parents will need to follow up with brushing and gentle flossing until the age of eight or nine, till the child develops the capability to do it all alone.

An early visit to the dentist can educate you about your child?s oral health and proper hygiene, including avoiding nighttime bottles, proper brushing, and a diet that promotes good dental health. Parents must emphasize the importance of good, healthy eating habits and teach children how to eat properly.

Lavishness Apartments in Hyderabad

These days Hyderabad housing real estate is recognized for its gigantic lavishness apartments. This city is thriving well with its prosperous financial system and attention of NRI. Property developers are set free innovative ideas and thoughts to build more luxury apartments in Hyderabad.

Hyderabad’s lavishness apartments are planned by notorious designers and architects. They go after some magnificent themes like Italian structural design or Spanish fashion apartments or something new which actually pull towards you to Hyderabad.  These apartments may be little more costly than other simple apartments. But if you are looking for something unique with much more luxury, then this plan is for you.

In the meantime the builders are send-off no stone turned to draw attention of HNI, and NRI investors engrossed in Hyderabad apartments. For an example, these are completely Vastu acquiescent lavishness apartments. These sumptuousness apartment houses in Hyderabad are premeditated with zero error so it can easily draw the attention of people.

For now, most of the real estate projects in Hyderabad are developing border areas such as Kompally and Kondapur. Developers are looking for that kind of area which has massive amount of land that is on hand in these areas and also the cost of land is much low than others.

It is the golden chance for you if you want a residential apartment in this area. If you are interested, then don’t delay as because of the low price which you will never get. As the demand will increase, the rate will also add to parallel. So, fix your mind and take the decision.

So, if you have money and you are thinking for a luxurious apartment, then why stop yourself. Because golden chance come once not often.

10 Doubts You Should Clarify About Builders

From your hard earned money, you have been saving from the day you started working, you are finally capable of planning the construction of your home. But, as you have a set budget and specific demands, you certainly do not want any builder to play with your time, money and emotion.

Therefore, it would be better to walk on the safe side, clarify all the doubts about the local builders. While you plan to hire them, arrange for an interview and ask them about the doubts and concerns you have.

Some of those doubts which you must clarify from your builder are mentioned below.

10 doubts to clarify:

Check Certificate of Insurance:

If he is insured, you will not have to bear the liability and compensation if something happens to him while working on site. Make sure you look for the certificate.

How many years he has given to this industry?

If you have to choose anyone from the list of recommended builders, make sure you ask them this question. It will reveal how expert your builder would be. More the time, more will be the experience and ultimately, you will get the best work!

Does he agree on monthly updates on the completed construction?

As you would pay the money, you have the right to be informed about the completion of the construction every month. Therefore, ask your builder beforehand to keep you updated during the construction.

Does he agree to show his contracting license?

Every city, every county, and every state have a different set of construction parameters to be followed to obtain a license. So, if the builder is a genuine one, he must have the proper license to work in the industry. You must verify the license.

Does he provide you a warranty?

If the chosen builder did not perform well and shown poor workmanship, then you are liable to get it corrected without paying any extra amount. It is your right and warranty is the term that protects it.

Does he provide site clean up after construction?

There are many recommended local builders, who have the site clean service in the checklist. Make sure you also clear your doubts before hiring one of them.

Does he produce the estimated cost in-written?

So, that the builder does not overcharge you in the name of hidden fees, make sure you clear the doubt about the estimated cost. It will safeguard you in future.

Does he store the material and equipment in your home?

It happens that most of the builders tend to store the materials and tools in your home at the end of each working day. You must clear this with the builder so that no future ruckus is experienced.

Does he demand full payment at one time?

No one should clear the total amount of construction in one go. You can give him upfront and schedule the payment according to the step by step completion of the construction project.

Does he provide any compensation if a delay occurs?

If any sort of delay occurs in the completion of the project, would the builder be liable for providing the compensation? If the builder says ‘yes,’ ask things in writing.

You must clear all your doubts regarding these points so that the builder won’t deny later.

Home Repair and Improvement Market Offers a Broad Range of Tools and Services

When one invests in a house, it’s not the last investment one makes on it. Every year, it’ll demand some kind of repair or remodeling — ranging from a small fix to a complete renovation of the house. As a house owner, one also carries the responsibility of home repair and improvement, and one cannot turn a blind eye to it. The fixes and enhancements may include areas like roof, plumbing fixtures, both interior and exterior painting, doors, windows, furnace, backyard, and more.

The home repair and improvement market offers a broad range of tools and services, including do it yourself (DIY) home improvement kits and professional services. One must make a sound assessment of the need to enhance, for example a stair or a backyard, before going for fixes or remodeling projects. Since it requires substantial investment, one must plan the entire repair and improvement project — from the inception to the final. The people using DIY tools to fix something must buy the right kind of quality tools that have been designed to perform specific functions. A number of companies offer a varied range of DIY tools, and before ordering, one must compare the prices of the tools offered by these companies, and also their features.

It’s important to determine the nature of the project and what all it requires before undertaking one. For some projects, one cannot go solo and need a team to accomplish a task. It’s better to assemble a team in advance rather than making frantic calls when in the middle of the project. Also, some home repair and improvement projects need professional help. It’s always a good idea to hire a professional that a friend or a relative has recommended. Repair industry is known for its scams, and one should be careful and take precautions when going for professional help.

Applying for a Personal Loan With Subpar Credit – What to Know

Anyone that finds themselves with multiple balances on credit cards that have high interest may consider looking for a personal loan with bad credit. This allows them to transfer those balances and take advantage of a lower interest rate to pay off their cards. Sadly, many banks will turn them down due to their credit. Thankfully, there are ways to get a loan that will help them save money, even with that low credit score.

Whether due to financial issues, job loss, or just striving to build a good credit score as a first time user it is difficult to get a loan. The way credit reports work is always changing and there are many factors that affect a person’s credit. It’s important to stay in the know about how to build it, and what your options are. There are likely more options than they think. Here are some ways to apply for and get a personal loan with bad credit.

How to Get a Loan with Bad Credit

Having zero credit or poor credit is a major issue when looking to secure a loan, because that person is viewed as a high risk customer who may default. It’s important to accept that until the credit score is raised, one won’t be able to enjoy the standard lending guidelines offered by big banks.

For anyone that’s been turned down for a loan or who doesn’t want to pay monstrous rates, here are some options:

Consider a Home Equity Line of Credit

If there is enough equity in owned property, it’s possible to secure a tax-deductible, low-interest loan or line of credit that can be used in any way. The only downfall is that many don’t want to tap into their home equity as it puts the property in jeopardy if they can’t repay it. However, with a steady income and a bit of discipline then this can be paid off and is a less pricey option no matter what the credit score!

Try and Apply to Credit Unions

Credit unions are so much better than a regular bank. That’s because they are member-owned. Usually they are founded by people who have something in common whether it be living in the same area, or working in the same profession. They are nonprofit and have a sole purpose of helping members. They offer great customer service and low fees.

Borrow from a Friend

Consider what’s called P2P or peer-to-peer lending. There are even sites online that let a person borrow from someone directly rather than a bank. This form of lending is getting very popular and is quite simple. It’s a winning situation for both investors who want to earn interest and borrowers who enjoy paying lower rates. It’s the perfect solution when looking to apply for a personal loan with bad credit. Current rates with P2P lending are as low as 6%. That’s far lower than most credit cards.

Family Loans

If an online peer doesn’t pick up a loan request, there’s always a chance a family member might. However, it’s more than important to treat a loan from someone in the family just as a professional loan. It should be documented and recorded. A written agreement should show the interest rate, terms of repayment and collateral that’s going against the loan. It should also lay out all the actions to be taken if the borrower does not repay.

What About a Co-signer?

If one is searching for a personal loan with bad credit and they don’t have a family member or a friend that is available to offer the loan, maybe they would consider co-signing. This is when someone who trusts that the borrower can repay the debt would take a chance on them and be a back up to repay the loan should that person default.

Divorce 101 for Filipinos

Here’s a situation: A and B, both Filipinos, went to the United States to get married. After several years, marital troubles started to occur between the couple and after efforts at reconciliation failed, the two started to part ways. They figured that since they were married in abroad, they decided to get a divorce in the US.

Upon return to the Philippines, after obtaining a decree of divorce, A and B mutually divided their properties between them and went their separate ways. Now, here’s where it gets tricky: Apparently, A incurred debts after their ‘divorce’. And now creditors are after not just A’s properties but also that B’s, which left the latter distraught. Is this even possible? Yes.

First things first: Divorce is NOT applicable to Filipinos. Even if the couple successfully obtains a decree of divorce, the same is VOID in the Philippines. In effect, in the eyes of the law, the couple is still legally bound as husband and wife.

Art. 15, otherwise known as the Nationality Principle, of the New Civil Code provides:

Laws relating to family rights and duties, or to the status, condition and legal capacity of persons are binding upon citizens of the Philippines, even though living abroad.

Given this, the creditors may go after the property of B as the same forms part of the community property of with A. After all, they are still a married couple.

However, Divorce obtained outside the country, may, in certain instances, be recognized in the Philippines. How?

Article 26 of the Family Code, reads:

All marriages solemnized outside the Philippines in accordance with the laws in force in the country where they were solemnized, and valid there as such, shall also be valid in this country, except those prohibited under Articles 35(1), (4), (5) and (6), 36, 37 and 38.

Where a marriage between a Filipino citizen and a foreigner is validly celebrated and a divorce is thereafter validly obtained abroad by the alien spouse capacitating him or her to remarry, the Filipino spouse shall have capacity to remarry under Philippine law.

What makes this provision applicable to Filipinos are the presence of the following elements:

  1. That the there is a valid marriage between a Filipino and a foreigner.
  2. That the alien spouse obtains the divorce abroad and such decree capacitates him/her to remarry.

What if the Filipino later on became a naturalized foreign citizen, is this now applicable to him? It depends. In Republic vs. Orbecido III, the Supreme Court ruled that: “The reckoning point is not the citizenship of the parties at the time of marriage, but their citizenship at the time a valid divorce is obtained abroad by the alien spouse capacitating the latter to remarry.”

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Home Improvement Ideas for Every Area of Your Home

With the holiday season now just a memory, perhaps you find yourself with some time on your hands to devote to those big New Year’s resolutions-so you’ve been frequenting the gym, taking Sundays to prepare and freeze healthy recipes for the week and spending more time with your family and friends. But what about all those to-dos on your house that never seemed to get done in 2010?

Whether you’re looking to put your house on the market in 2011 or just want to make some positive changes for your family, here are some great home improvement ideas that will deliver the most bang for your buck that you can spend a winter weekend or two or three on implementing. If you live in a condo building make sure to speak with the homeowner’s association first about any changes you’re planning to make.

Kitchen and Bathroom Upgrades

Remodeling kitchens and bathrooms have the highest return on investment. You could replace the cabinetry or install energy-efficient appliances, but a surefire way to immediately up your kitchen’s visual appeal is to replace the counter-top.

For good or bad, the bathtub can be a focal point in your bathroom. If a new tub is in your budget, you could add a new model or a freestanding soaking tub to really increase your bathroom’s luxuriousness factor. Even just refinishing your existing tub can make it look brand new.

Let Their Be Light

Recessed lighting looks clean and doesn’t compromise headroom. It’s easily installed and will instantly brighten the room. You also might want to consider adding new windows or expanding existing ones in order to make a room seem larger and more inviting. Even just adding or moving electrical outlets and switches can allow for easier access to electricity, and improve the eyesores associated with electrical cords being visible throughout the room.

Better Flooring

New flooring is one of the best projects for whatever room you’ve decided to focus on, whether that includes carpet in the upstairs bedroom, hardwood floors throughout the downstairs or a unique tile in the bathrooms. People constantly can see and touch their floors, and prospective buyers will definitely be interested in the quality of your flooring when considering whether to make your home theirs.

Hide Unattractive Storage

If you live in a small space, you might not have a home office that can house an unsightly file cabinet. In that case, you probably have to hide your files in the open. This entails measuring fabric to the length and width of the cabinet and using hook and loop tape to attach the fabric to it. Or you can find extra storage space by using a skirting table, under which you could stack boxes. It pays to be inventive, and the pay off is extra room for your belongings without any additional eyesores in your home.

7 Important Things To Tell Your Wedding DJs

Wedding DJ’s are important to make the people come collectively and groove on beats to make the event memorable. Communicating your expectations in advance to these professional DJ providers is essential to make the event remarkable. Here down below are the 7 essential things that you should tell these professionals to enjoy your event happily.

When to play particular songs

There are certain elements in a wedding that makes it special like bride’s entry, father-daughter special moment, bride groom’s together dance, and each of these moments’ calls for a special or particular song. Ask your providers in advance about the timings or types of song to be played in order to avoid the last-minute havoc.

How names are needed to be pronounced

They will be having the list of names of guests or family members but there are certain names that sound different from their spellings. When planning for grand entrances or introduction with names, it is important to note that correct names are taken in front of the guests.

“Not to play” list

People sometimes oppose the types of songs that are not suitable for the wide variety of the guests. It is thoughtful to mention the taste or preferences of the audience in advance to avoid the criticism of the individuals.

Particular choice of songs

They will come with their technical equipment and list of songs to be played. If you have any preferable choice or playlist, it is better to hand it over to them for avoiding the last-minute rush.

Interactive sessions

Aside from introductions and just dancing on the favorite beats, the guests would crave for more like interactive sessions or certain games to make the party joyful. It is better to ask them to arrange a host who can meet the expectations of the people.

To be language sensitive

You must pay attention to the language used by them during their performance because you certainly do not want to offend your guests and to regret their decision of coming for such event. Ask them to have a smooth and consistent language throughout which is not too harsh or loud.

Number of tracks

In a given time duration it is possible to play only limited songs or tracks. It is better to tell them the total number of tracks to be played so that any major track is not missed and people are able to enjoy to the fullest.

Acquire the help of the sound wedding DJ’s who can live up to the expectations.

Three Categories of Family Law Documents

This branch of the law covers all legal matters that pertain to a family. This can include marriages, divorces, prenuptial agreements, adoption, civil unions, property settlement, child custody and visitation and more. To become an attorney that deals with family law you have to first get your bachelor’s degree, attend law school and then pass the bar but if you plan to specialize in family law there are many different specialties to choose from, including adoption, neglect, abuse, divorce, paternity, custody and visitation, paternity, and more.

Marital unions

Under this category marital unions include civil and traditional marriage unions. It rarely includes formal pleadings. The reason is that this area of the progress of family life is less contentious. This means that not many couples at this stage are filing actions against each other. Some of the documents include:

  • Name change forms
  • Certificates of marriage
  • Prenuptial or premarital agreements

These documents may be called by other names in different jurisdictions but they all cover the same area. Some jurisdictions may also enable other types of actions under the category of martial unions but the general concepts as to what is handled by these forms, agreements, and certificates are common in all jurisdictions.

Marital termination

This category is where you will find most of the documents. These documents deal with marital terminations and include divorce, separation, and annulment. One of the parties will initiate a court action to sue for relief. These particular documents will mirror the types of pleadings that are filed. In addition to asking for termination of the marriage the documents can also include replies to the court action filed and any counterclaims. Some of the more common documents can include motions to restrain a spouse from deleting the marital assets, temporary alimony, and court costs. This category of family law documents include all the attachments and forms that are used to establish the marital estate as part of the proof that will be needed to reach an amicable and fair divorce settlement.

Parent-child relations

In this category are the actions that will do the following:

  • Appoint a legal guardian
  • Establish paternity
  • Deal with the issues of support, custody, and visitation
  • Removing a child from a home for cause

The petitions can also include motions to modify an order for child support, and motions for contempt for failure for either party to comply with any prior court orders.

As you can see there are many different documents that a family law attorney has to deal with so that is why many specialize in one particular area although some may practice in more than one area. To be sure which specialty volunteer to work for a family law firm.

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