There is a looming crisis in the Australian building industry. The slowdown in construction and building projects continues to intensify in Victoria and also in Queensland. 6,895 jobs or almost a third of the industry’s full time staff in Victoria will be cut by June as businesses attempt to reduce their costs. The downturn is being blamed on decreased demand for new homes, consumer confidence and stricter credit requirements. Many building companies are giving large discounts to encourage customers to purchase new homes, but even potential first-time home owners are holding off due to poor perceived job security across all industries.It has been predicted that the building industry will make a steady recovery by 2013, but the crisis currently continues to build. If your building and construction business is in trouble, it is crucial to act straight away. You can still save your business. Below we discuss how a successful turnaround can be achieved by introducing accountability measures in the areas of sales, operations and financial management.OperationsFirst and foremost, implement a systems approach with accountability measures. All aspects of your business must be measured, with links back to financial measures so performance can be determined and process problems identified. As part of this, you must have strong site supervision to ensure delays in construction and project progress are swiftly dealt with. A project manager should be regularly on-site to take responsibility for the function and success of each project.If you are trying to reduce costs, it isn’t enough to simply get the best rates from your suppliers. You must also have efficient ordering and scheduling of materials in place, wherein you are able to pay suppliers on time and deliver the materials to the site without delay.Your operations pipeline must function like clock-work. Drill down to find any bottlenecks in the system, where operations are measured and performance is driven by financial accountability measures. As an example, do not wait until the time of final claim to deal with any building defects. If defects are handled sooner, closer to when they are first reported, the return of trades to make repairs is more effective than handling defects 3 months later when repair work is costly and time-consuming.PerformanceYour staff must have daily, weekly and monthly performance measures, especially including weekly turnover targets. To let your staff know what you expect from them, implement individuals KPIs and performance criteria. Also, measure their performance daily to see if they are on track to meet the criteria set. Non-performers need to improve or be moved on to allow your business to grow and get the “right people on the bus”.Sales forceJust like in operations, your sales force need to be highly focused on accountability to sales targets. Appropriate recruitment processes must be in place to ensure that you are employing effective and experienced sales people. Efficiency gains can also be achieved by breaking up existing sales portfolios into geographic regions to reduce travel time.Introduce daily, weekly and monthly sales performance measures to your sales team. If your sales team is not currently under rigorous performance measures, it is inevitable that they are underperforming. If performance is not measured, it is not managed!Cash flowCash flow is the life blood of any business. When a business is in trouble, cash flow is usually out of control and it is impossible to meet the demands of all creditors until you get to the stage where you are struggling to get materials and sub contractors on site as scheduled. Progress claims are delayed and so payments to creditors are delayed also compounding the cash flow difficulties. A rolling 8-week cash flow is essential to drive banking and manage all the competing priorities such as payroll, ATO, on-going suppliers and subcontractors who you require to keep your jobs going and the other creditors you have on-going payment plans with.Driving cash flow management can improve performance of both sales and operations as follows:Cash Flow Management in SalesTo build cash flow, the sales force must keep signing new work as the deposits and check measures, if applicable, enhance your cash flow because there are only minimal costs to be paid from this income. In other words it is definitely possible to experience a sales-led recovery to your cash flow.Cash Flow Management in OperationsDriving cash flow management can also be a powerful tool in improving on site performance, shortening the timeframe for reaching each progress claim through performance based work scheduling and performance based supervision.Some final wordsIf your business is feeling the effects of the building industry crisis, seek professional assistance immediately. It will help for you to employ the services of a building industry turnaround specialist as they can implement measures and strategies to bring your business back to profitability. A professional turnaround specialist can provide business recovery solutions and work with you to save your business.
An IP Address is known as the Internet Protocol Address to allow a computer to communicate with another through the internet while the locations of various users can be tracked and differentiated on the basis of IP addresses. It is possible to get to know what address a blog or website got the comment from and how various IP’s are blocked when it comes to tackling with spamming.Ever wondered why a vote on a certain website cannot be given again? This is because your IP is tracked once you have clicked for that vote, it cannot be given again. It is a set of procedures to be observed or rules that define the user’s internet activity and enables tasks on the web, it therefore, facilitates a two way communication by identifying connecting/initiating devices and other internet destinations. Moreover, IPs are located through the log files on servers which are then able to track the trail of users’ internet activity. Even though it is not completely possible to hide it, there are ways which makes hiding possible:AnonymousProxy Servers
They act as a connecting point between the home PC and the internet and use their own IP on behalf of the user while making requests for information on the internet. The computer is then able to have an indirect access to websites through that proxy server, whose IP isn’t that of the user. Proxies that can be identified through TCP numbers and the URL require a browser configuration so that they are hidden.Some of such proxies face slow connection and credibility issues and are easily accessible but can also vanish away from the internet ruling the use out as a temporary purpose.Other Tools
There are freemiums and paid versions available for the use for anonymizing proxies through which they can be switched between regular time intervals depending on the support provided by the browser. For instance, Firefox’s extension, ‘Switch Proxy’ eases out such an option.Eventually, internet privacy is enhanced while at the same time cookies can be managed as well by establishing a firewall to help protect the user.Web Based Proxy Server
is actually a website which lets the user type in the URL of the desired website and is helpful in accessing those websites that are banned in various places such as social networking sites like Facebook, Twitter, YouTube and others banned in work places and educational institutes. The proxy server is not identified thereby not disclosing the IP Address.Distorting Proxy
It gets itself identified as a proxy server while creating a wrong IP Address through HTTP servers and hiding it completely.Virtual Private Network being the Safest and accurate Option
VPN is the most accurate and reliable option for hiding an IP Address. All data transmitted and websites accessed are communicated through a secure VPN network traffic process called tunneling which uses the VPN’s IP Address. Thus, the user cannot be tracked through data shared on the network and the best part is that operating system and browser configurations don’t have to be changed either.
The Brake Torque Arm mounts between the Rear Caliper or Drum (depending on your motorcycle) and the Swingarm. The Torque Arm prevents the Caliper or Drum from rotating when the Rear Brake is activated. The Condition of this part is Used.
Used Torque Arm will be straight and fully functional. Due to its position on the bike, paint chips and finish imperfections are considered normal wear.
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-1 x TN153 Standard Charger
-20 AA 2600mAh Rechargeable Batteries
Features and Benefits:
-Charges 1 or 2 AA & AAA batteries at a time
-Charges NiMH or NiCd batteries (separately)
-LED indicates proper charging
-Input: 120V AC, 60Hz
-Output: AA/AAA, 200 mA
-Weight: 5.25 oz
High Capacity Rechargeable Batteries
-High quality AA Size rechargeable Nickel Metal Hydride (Ni-MH) battery, top of line.
-Exact replacement for standard AA size battery in all the devices
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-Can be recharged for up to 1000 times, providing big savings by replacing hundreds of throw away AA batteries.
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After having carefully planned and researched, you finally close on a VA home loan thinking that this is the end of all the troubles. As the years pass, so do your family dynamics. Maybe your family has grown in numbers and it’s time to add the extra bedroom, or maybe it’s just a matter of consolidating debt to take advantage of the tax benefits. Statistics show that the average mortgage loan is kept no longer than five years. And, most Americans move within ten years of buying their first home.Like it or not, you’ll probably be refinancing; and if your considering taking cash out, then this article is for you!What is a VA cash out mortgage refinance?
In the simplest of words, this is a program that provides you with the option of cashing out the equity that has accrued on your home during your period of stay. You can use the funds as per your requirements and choosing.Before considering a VA cash out refinance, we recommend speaking to a certified mortgage planner and VA loan specialist. These people can offer you expert advice and also ensure your decision meets both your short and long term objectives. In other words, don’t just refinance your home, develop a plan that betters your financial well being and stick to it.How much cash can I receive?
Once you get your house appraisal done, you have the option to cash out up to 90% of the total amount of accrued equity in your home.Don’t confuse a VA cash out refinance with a VA streamline refinance (or VA IRRL)
One of the common mistakes people make is confuse the Cash-Out Refinance program with the streamline refinance program. These two are completely different programs.Here are the primary differences:VA Cash Out Refinance:o 3% funding fee unless exempt
o Appraisal is required
o No reported late payments for the past 12 monthsVA IRRL or VA Streamline Refinance:o .5% funding fee (can sometimes be waived)
o No appraisal required* (*NOTE: with banks changing guidelines daily, some DO require an appraisal.)
o Can have 1 late payment reported over the last 12 months.* (*NOTE: As per the banks discretion. In some cases, banks will not accept late payments.)
o NO cash can be received at closing
This 72-Inch Photo and Video tripod features a special carrying handle as well as a professional foam grip. It has self leveling rubber leg tips as well as built-in bubble levels. It has a 3-way pan head and 3 section legs. It includes a deluxe carrying case and has a 10 year limited warranty.Lightweight, versatile, and affordable, the 72″ tripod is a great tripod for photographers of all levels of experience. How do I get..