Present pour le Quebec http://www.presentpourlequebec.org Issues that affect la Belle Province Sat, 20 May 2017 17:04:53 +0000 en-US hourly 1 https://wordpress.org/?v=4.7.5 It’s Presentation Time: You Ready? http://www.presentpourlequebec.org/its-presentation-time-you-ready/ http://www.presentpourlequebec.org/its-presentation-time-you-ready/#comments Sun, 13 Dec 2015 14:37:23 +0000 http://www.presentpourlequebec.org/?p=6 ipyrPresentation graphics software has evolved to the stage where even a computer novice can create an effective and artistic presentation in a few hours. These programs offer an extensive lineup of charts, tables, text effects, colors, clip art, graphics, and slide transition effects. The presentations they help you to produce can be printed, converted to 35mm slides and overhead transparencies, are run directly from a PC.

A quick ramp-up time is essential to the success of any presentation product, as the typical person who uses such software is usually a first-time buyer looking to perform an overnight miracle. Even those who are familiar with such packages often use them infrequently: Unlike your word processor or spreadsheet, presentation software is not something you use every day, so getting up to speed quickly is to success. Consequently, these programs are designed to be straightforward and inviting. They offer outlines and templates, consistent background opinions for charts and graphs, and thumbnail views of your presentation. Tutorials and advisers supply detailed information about each … Read the rest

]]>
ipyrPresentation graphics software has evolved to the stage where even a computer novice can create an effective and artistic presentation in a few hours. These programs offer an extensive lineup of charts, tables, text effects, colors, clip art, graphics, and slide transition effects. The presentations they help you to produce can be printed, converted to 35mm slides and overhead transparencies, are run directly from a PC.

A quick ramp-up time is essential to the success of any presentation product, as the typical person who uses such software is usually a first-time buyer looking to perform an overnight miracle. Even those who are familiar with such packages often use them infrequently: Unlike your word processor or spreadsheet, presentation software is not something you use every day, so getting up to speed quickly is to success. Consequently, these programs are designed to be straightforward and inviting. They offer outlines and templates, consistent background opinions for charts and graphs, and thumbnail views of your presentation. Tutorials and advisers supply detailed information about each … Read the rest

]]>
http://www.presentpourlequebec.org/its-presentation-time-you-ready/feed/ 1
Self Assessment: How Strong Is Your Business? http://www.presentpourlequebec.org/self-assessment-how-strong-is-your-business/ http://www.presentpourlequebec.org/self-assessment-how-strong-is-your-business/#comments Tue, 08 Dec 2015 06:28:38 +0000 http://www.presentpourlequebec.org/?p=14 hsiybWhat is success? And how will you know if you are there? That’s more than a philosophical question–it’s one we entrepreneurial types grapple with regularly. Sometimes we struggle emotionally, as when we worry that the energy used building our businesses would have been better spent hunting for a real job. More often, our questions are practical: Am I making enough to justify hiring an assistant? Will my business qualify for a bank loan? Can I afford a new laptop? Am I on track here?

TAKING STOCK

Self-assessment is a crucial part of management, as well as startup market research tools, regardless of the size of the business. Unless you know how you’re doing, you really don’t know what to do next. Realistic financial self-appraisal makes for better decisions; it can also help you beat back the dragons of selfdoubt. A spreadsheet that says you’re doing OK is a potent weapon against the discouragement that can develop on a bad day. And a spreadsheet that’s disappointing can push you toward the … Read the rest

]]>
hsiybWhat is success? And how will you know if you are there? That’s more than a philosophical question–it’s one we entrepreneurial types grapple with regularly. Sometimes we struggle emotionally, as when we worry that the energy used building our businesses would have been better spent hunting for a real job. More often, our questions are practical: Am I making enough to justify hiring an assistant? Will my business qualify for a bank loan? Can I afford a new laptop? Am I on track here?

TAKING STOCK

Self-assessment is a crucial part of management, as well as startup market research tools, regardless of the size of the business. Unless you know how you’re doing, you really don’t know what to do next. Realistic financial self-appraisal makes for better decisions; it can also help you beat back the dragons of selfdoubt. A spreadsheet that says you’re doing OK is a potent weapon against the discouragement that can develop on a bad day. And a spreadsheet that’s disappointing can push you toward the renewed marketing efforts that might be just what your business needs.

“It helps to evaluate your business every quarter and to take a close look at the end of every year,” says Steve Cranfill, a principal in Management Advisory Services, a Seattle business consulting company. “It is a very, very useful and valid tool.”

According to Cranfill, there are three primary ways to take stock: You can measure yourself against your own goals, analyze the trends, and compare yourself to other businesses. It helps to do all three.

To do a good review of your business, start with a clean desk, a clean spreadsheet, and a clear head. If you stayed up all night worrying about your bills or arguing with your spouse about money, pick a different day.

Go easy on yourself if your business is new, notes Norman Boone, a San Francisco financial planner who has run through these assessments for himself as well as his clients. “You have’to judge with the life cycle in mind. The standards for someone in the first couple of years are going to be different than for someone who’s been doing things for several years.”

TRUTH OR CONSEQUENCES

With those reassuring thoughts in mind, here are nine tests you can put your business through to find out how you really, truly are doing.

1. The “You’re eating, aren’t you?” test.

You are covering your expenses, and then some. “If you are in your first year of business–or even the second or third– and you are paying the bills and keeping your head above water, you are doing pretty well,” notes Boone. After that, the test gets a little harder because you have to start adding in other expenses. By the time you’ve been in business for five years, your self-employment income should cover a comfortable lifestyle, including occasional vacation trips, nights out, disability, health, and life insurance, and a retirement savings plan.

2. The “real job” test. How much could you demand on the open job market? The best way to find out is to retain contacts and gossip. How much is the person who has your old job making? How much do the want ads offer for people with your skills? Several magazines publish annual surveys of salaries for employees in your chosen field. Add about 25 percent to that figure to cover fringe benefits. If you don’t stack up, don’t worry: For many of us, it’s worth a premium to work for ourselves in our own homes, and you’re probably saving money on career clothes and commuting. But if you find yourself putting in 16-hour days and seven-day weeks and not making what you could in a 9-to-5 job, it’s probably time to rethink the way you’ re working.

3. The return-on-investment test. If you were a publicly held company, would you be better off investing in yourself or in a bank account? This key financial calculation tells you how well your business is using your money, notes Cranfill. First, figure out how much money you spent to set yourself up in business, including the computer, phone bill, and business cards. Then, figure out how much profit you made in your first year by subtracting your salary from the amount of money left at the end of the year. If you are a sole proprietor and your profit is commingled with your salary, go back to the last test to figure out what portion of your earnings is a comparable salary and what part is profit.

Divide your profit by the money you spent to set up your business. Your return should be 12 percent to 15 percent of the money you’ve invested in yourself, says Cranfill, or you might as well just put your money in Treasury bonds and go find a job. (Or run your business leaner next year.) If, for example, you started your business with $6,000, you should have $720 to $900 left after taxes and salary in the first year to get into the 12-to 15-percent range. For the second year, just add new expenses to the bottom of the equation and new profits to the top.

4. The by-the-numbers test. There are rules of thumb for recognizing healthy businesses, Cranfill concedes, though he cautions that circumstances vary by business and situation. A “quick ratio,” for example, would divide your cash and receivables by your current liabilities, and “1 to 1 is acceptable,” he says. Another useful figure is the current ratio, which includes inventories among the assets that get compared to liabilities. There, “2 to 1 is a pretty well used guideline,” says Cranfill. What about debt-to-worth? That’s tricky, because debt does add risk, but a debt-free business might be one that isn’t growing enough. “The whole reason that debt is used is to help grow the business and increase the owners’ return on capital,” notes Cranfill. These days, a debt-to-worth relationship of 2 to 1 or below is considered good for a business.

5. The bend test. Keep a spreadsheet on a quarterly basis that figures all of these ratios, return on investment, salary, and profits. Set it up to compare like periods: third quarters to third quarters, full years to full years. Is your business moving in the right direction and fast enough? Growth-company investors like to see sales and earnings growing around 15 percent a year. Can you say the same for your business? At the very least, you should be moving up with the inflation rate (3 percent in recent years) and then some.

6. The I’ll-show-you-mine-if-you-show-me-yours test. Comparisons are among the most accurate measures of success, and many trade associations and professional groups allow us to compare our progress with that of our peers by taking surveys. Robert Morris Associates publishes reference books that give key ratios for many types of businesses, including small service businesses. You can make it part of your get-to-know-your-banker-better plan by asking her if you can look through the “RMA books.” Your banker will be impressed that you know what to look for; you’ll get a peek at how some of your competitors are performing. You can also make friends with people in your own field through national bulletin boards such as CompuServe and America Online. Discussions of rates and incomes are helpful–informal enough to stay this side of price-fixing conflicts, anonymous enough to skirt envy and client-poaching issues.

7. The profit centers test. Take some time to break down your business by clients, activities, and products. What activities and products make you the most money, and how much of your time do you spend on them? Which clients are the most profitable, and how much of your workload do they provide? You can look at this data and figure out if you’re focusing too much attention on small clients or on one large one, or whether you need to put more marketing energy into the one service you provide that really brings in cash.

8. The personal benchmark test. You probably are self-employed for a variety of reasons that aren’t all financial. Maybe you want to spend time with your family, maybe you enjoy the freedom of working in your pajamas, or maybe you hate commuting. Set your own goals and then see how your business matches up to them. Says Boone: “The issue is that you need to sit down ahead of time and say, ‘This is how I define success for myself.’ You might want to talk about income, liquidity, free time, and the quality of life. If you know what you are trying to accomplish ahead of time, it becomes easier to set up plans, and if you don’t know where you are going, you probably won’t succeed.”

9. The all-important gut check. If you don’t have time for all the number-crunching and self-contemplation, take a moment to ask yourself how it all feels. “If your business is growing, if you are seeing new clients and customers so that your business is moving in the right direction, and if you feel comfortable, then you are a success,” says Boone. In the final analysis, you have to feel good in your own skin. Or, if I may be permitted one more quote before I put down my books and get to work, as American writer (and Bartlett’s Quotations editor) Christopher Morley once said, “There is only one success–to be able to spend your life in your own way.”

]]>
http://www.presentpourlequebec.org/self-assessment-how-strong-is-your-business/feed/ 1
Eat Right, And You’ll Run Tight http://www.presentpourlequebec.org/eat-right-and-youll-run-tight/ http://www.presentpourlequebec.org/eat-right-and-youll-run-tight/#comments Tue, 01 Dec 2015 11:19:46 +0000 http://www.presentpourlequebec.org/?p=53 What do these professional athletes have in common–football and baseball players, tennis stars, Olympic gymnasts, marathon runners, just to name a few? All have used the expertise of sports nutritionists to enhance their competitive edge. You too can take advantage of the same techniques to improve your performance, whether it’s in a highly competitive team sport or an activity you enjoy just for fun and exercise.

Start with a healthy eating plan based on the Food Guide Pyramid. The physical demands of routine training mean you need plenty of nutritious foods for energy and to supply the protein, vitamins, and minerals needed for optimal performance. Olympic athletes can burn as many as 4,000 to 6,000 calories a day during training. The average daily intake for 13- to 1 8-year-olds is 2,200 to 2,500 calories. If you’re active in sports, you may need an additional 500 to 1,500 calories a day. Your extra calories, just like those for adult athletes, should also come from healthful foods.

Carbs = Read the rest

]]>
What do these professional athletes have in common–football and baseball players, tennis stars, Olympic gymnasts, marathon runners, just to name a few? All have used the expertise of sports nutritionists to enhance their competitive edge. You too can take advantage of the same techniques to improve your performance, whether it’s in a highly competitive team sport or an activity you enjoy just for fun and exercise.

Start with a healthy eating plan based on the Food Guide Pyramid. The physical demands of routine training mean you need plenty of nutritious foods for energy and to supply the protein, vitamins, and minerals needed for optimal performance. Olympic athletes can burn as many as 4,000 to 6,000 calories a day during training. The average daily intake for 13- to 1 8-year-olds is 2,200 to 2,500 calories. If you’re active in sports, you may need an additional 500 to 1,500 calories a day. Your extra calories, just like those for adult athletes, should also come from healthful foods.

Carbs = Read the rest

]]>
http://www.presentpourlequebec.org/eat-right-and-youll-run-tight/feed/ 1
Buying The Best Products To Help You Stop Snoring http://www.presentpourlequebec.org/buying-the-best-products-to-help-you-stop-snoring/ http://www.presentpourlequebec.org/buying-the-best-products-to-help-you-stop-snoring/#comments Tue, 24 Nov 2015 18:04:19 +0000 http://www.presentpourlequebec.org/?p=36 Anti snoring pillows are a great way to minimize snoring and create good sleeping patterns. When you buy the best pillow for snoring, it is definitely important to choose the best manufacturer offering the right price. This means that you have to consider the quality and price first and foremost. Do not be easily enticed into something that you are not sure of. Always take time to research the best pillow for snoring and check its quality meticulously. These pillows often provide relief for snoring but the materials used often vary. Make sure that you make comparisons between these pillows so that your money will never be a waste.

Consider also the comfort that it can give because at the end of the day, you will be sleeping over this kind of pillow. If it can hurt your neck, it is certainly not a good pillow to try. There are a lot of reviews for these snoreless pillows. As much as possible, take time to read these reviews so that … Read the rest

]]>
Anti snoring pillows are a great way to minimize snoring and create good sleeping patterns. When you buy the best pillow for snoring, it is definitely important to choose the best manufacturer offering the right price. This means that you have to consider the quality and price first and foremost. Do not be easily enticed into something that you are not sure of. Always take time to research the best pillow for snoring and check its quality meticulously. These pillows often provide relief for snoring but the materials used often vary. Make sure that you make comparisons between these pillows so that your money will never be a waste.

Consider also the comfort that it can give because at the end of the day, you will be sleeping over this kind of pillow. If it can hurt your neck, it is certainly not a good pillow to try. There are a lot of reviews for these snoreless pillows. As much as possible, take time to read these reviews so that you can have an idea on where to buy the pillow and how to buy it at a limited budget. Despite the differences, the best pillow for snoring can be obtained if you research carefully.

The Benefits Of Good Morning Snore Solution Mouthpiece Review

One of the best ways to buy an anti-snoring mouthpiece is to read the reviews. Taking into consideration the opinions of other individuals can be a lot of help to weigh the pros and cons of the device. Basically, the Good Morning Snore Solution promises to alleviate snoring when sleeping as they have a clinical study to support it. In fact, many snoring experts consider it to be one of the best anti-snoring mouthpieces available on the market these days (a good example is here). Thus, reading a review of the Good Morning Snore Solution can definitely be helpful. It will let you know the side of the customers who have tried the product as well as the disadvantages of having it while sleeping. Although the experiences vary by individual, it is still best to listen and understand what other people are saying about this anti-snoring mouthpiece.

Most of the reviews can be found on the web. However, you have to make sure that the review is not fabricated by some individuals who try to destroy the reputation of the company. Hence, you have to weigh the tone of the review in order to have an honest grasp of the product, especially its advantages and disadvantages.

]]>
http://www.presentpourlequebec.org/buying-the-best-products-to-help-you-stop-snoring/feed/ 2
Escaping The “Time Trap” http://www.presentpourlequebec.org/escaping-the-time-trap/ http://www.presentpourlequebec.org/escaping-the-time-trap/#comments Fri, 20 Nov 2015 22:26:51 +0000 http://www.presentpourlequebec.org/?p=12 ethrTime traps, you know them. I can’t take the time to install memory because I have so much to do that five minutes out the window will break me right now. And who knows? If I don’t finish project A today and get started on project B, I won’t finish it tomorrow, and I’ll spend all weekend trying to sort out the mess.

While your brain races forward, you can hear this little voice in the back of your head, the voice of reason that is always so faint, telling you that five minutes now is nothing more than a trip the refrigerator, but it will be worth lions over the next year. Invest now! Enjoy a yearlong payback.

The time trap–once you’re in, you’re in deep, and it’s hard to get out. Let me, if I may, play the little man, the voice of reason, and speak those quiet truths we all know but all too often ignore in the heat of battle. Even escaping the trap for one … Read the rest

]]>
ethrTime traps, you know them. I can’t take the time to install memory because I have so much to do that five minutes out the window will break me right now. And who knows? If I don’t finish project A today and get started on project B, I won’t finish it tomorrow, and I’ll spend all weekend trying to sort out the mess.

While your brain races forward, you can hear this little voice in the back of your head, the voice of reason that is always so faint, telling you that five minutes now is nothing more than a trip the refrigerator, but it will be worth lions over the next year. Invest now! Enjoy a yearlong payback.

The time trap–once you’re in, you’re in deep, and it’s hard to get out. Let me, if I may, play the little man, the voice of reason, and speak those quiet truths we all know but all too often ignore in the heat of battle. Even escaping the trap for one … Read the rest

]]>
http://www.presentpourlequebec.org/escaping-the-time-trap/feed/ 2
Do Postcards Still Work? http://www.presentpourlequebec.org/do-postcards-still-work/ http://www.presentpourlequebec.org/do-postcards-still-work/#respond Wed, 18 Nov 2015 09:29:28 +0000 http://www.presentpourlequebec.org/?p=16 dpcswBy 10:39 a.m., Roger Lazier had reached the UH@#$%OH! point of his to-do-today list at his Arlington, Texas, home office. Too much for one regional sales manager to do, too many simultaneous follow-ups, too many lucrative opportunities he’d worked too hard to obtain.

The most pressing problem was an upcoming on-site demonstration at Sandia National Labs in Albuquerque, New Mexico, the Department of Energy’s development-and-testing complex. Big opportunity. Big need.to convince the 125 Sandia design engineers that they should come see his computer-assisted-design (CAD) software. And big communication problem. Two CAD software competitors were also scheduled–before him. And both had already sent invitational/informational letters to the same 125 design engineers.

Now it was Lazier’s turn to write an invitation, except he couldn’t seem to turn a phrase. He needed to get the design engineers’ attention as well as their attendance. He needed an announcement with features that translated to benefits. He needed something to stand out.

FAMILY HELP COMES CHEAP

Lazier picked up Iris phone and dialed 1-NEP-OTISM. His sister. … Read the rest

]]>
dpcswBy 10:39 a.m., Roger Lazier had reached the UH@#$%OH! point of his to-do-today list at his Arlington, Texas, home office. Too much for one regional sales manager to do, too many simultaneous follow-ups, too many lucrative opportunities he’d worked too hard to obtain.

The most pressing problem was an upcoming on-site demonstration at Sandia National Labs in Albuquerque, New Mexico, the Department of Energy’s development-and-testing complex. Big opportunity. Big need.to convince the 125 Sandia design engineers that they should come see his computer-assisted-design (CAD) software. And big communication problem. Two CAD software competitors were also scheduled–before him. And both had already sent invitational/informational letters to the same 125 design engineers.

Now it was Lazier’s turn to write an invitation, except he couldn’t seem to turn a phrase. He needed to get the design engineers’ attention as well as their attendance. He needed an announcement with features that translated to benefits. He needed something to stand out.

FAMILY HELP COMES CHEAP

Lazier picked up Iris phone and dialed 1-NEP-OTISM. His sister. … Read the rest

]]>
http://www.presentpourlequebec.org/do-postcards-still-work/feed/ 0
9 Ways To Increase Your Personal Energy http://www.presentpourlequebec.org/9-ways-to-increase-your-personal-energy/ http://www.presentpourlequebec.org/9-ways-to-increase-your-personal-energy/#respond Sun, 15 Nov 2015 04:23:55 +0000 http://www.presentpourlequebec.org/?p=41 You’d the subject of losing night’s sleep would merit one word: yawn! After all, you don’t need anyone to tell you how lousy you feel the day after you’ve been kept awake by a sick child, the rush to meet a deadline, or anxiety about an upcoming event.

Yet the topic turns out to be the subject of hot research. Organizations including the U.S. Army, the National Aeronautics and Space Administration (NASA), and the U.S. Department of Transportation have a serious interest in what effects even a few lost hours of sleep have on soldiers, astronauts, airline pilots, truck drivers, doctors, and shift workers. Happily, their studies have done more than just catalog the ill effects of sleep deprivation; they’ve also yielded scientifically sound strategies for overcoming them–no matter what your occupation or reason for being bleary-eyed.

1

First, relax

Worrying about how little shut-eye you got will only make you feel more stressed. Even if your day’s plans include a road race or tennis match, sleepiness should have little … Read the rest

]]>
You’d the subject of losing night’s sleep would merit one word: yawn! After all, you don’t need anyone to tell you how lousy you feel the day after you’ve been kept awake by a sick child, the rush to meet a deadline, or anxiety about an upcoming event.

Yet the topic turns out to be the subject of hot research. Organizations including the U.S. Army, the National Aeronautics and Space Administration (NASA), and the U.S. Department of Transportation have a serious interest in what effects even a few lost hours of sleep have on soldiers, astronauts, airline pilots, truck drivers, doctors, and shift workers. Happily, their studies have done more than just catalog the ill effects of sleep deprivation; they’ve also yielded scientifically sound strategies for overcoming them–no matter what your occupation or reason for being bleary-eyed.

1

First, relax

Worrying about how little shut-eye you got will only make you feel more stressed. Even if your day’s plans include a road race or tennis match, sleepiness should have little … Read the rest

]]>
http://www.presentpourlequebec.org/9-ways-to-increase-your-personal-energy/feed/ 0
Harvey MacKay Talks Business and Sharks http://www.presentpourlequebec.org/harvey-mackay-talks-business-and-sharks/ http://www.presentpourlequebec.org/harvey-mackay-talks-business-and-sharks/#respond Fri, 13 Nov 2015 19:05:24 +0000 http://www.presentpourlequebec.org/?p=9 hmtbWhen we last interviewed Mackay four years ago, the economy was still growing, home offices were starting to come into their own, and he was finishing his second book.

Since then, the economy has fallen on its face, the number of home offices has grown explosively, and Mackay has completed his third book, Sharkproof. These are not isolated events. As Mackay puts it, “While the Fortune 500 companies were losing 4.1 million jobs in the ’80s, small businesses created 1.5 million jobs in the last two years alone. It’s what saved this country.”

While Sharkproof is primarily about getting and keeping a job in today’s sluggish economy, Mackay has plenty of advice for those who want to create their own jobs by starting their own businesses (also see accompanying excerpt from Sharkproof).

No matter what Harvey Mackay has done, from being an envelope salesman to owning an envelope manufacturing company to writing best-selling books, he has always relied on one principle: Do your homework. As a salesman, he located prospective … Read the rest

]]>
hmtbWhen we last interviewed Mackay four years ago, the economy was still growing, home offices were starting to come into their own, and he was finishing his second book.

Since then, the economy has fallen on its face, the number of home offices has grown explosively, and Mackay has completed his third book, Sharkproof. These are not isolated events. As Mackay puts it, “While the Fortune 500 companies were losing 4.1 million jobs in the ’80s, small businesses created 1.5 million jobs in the last two years alone. It’s what saved this country.”

While Sharkproof is primarily about getting and keeping a job in today’s sluggish economy, Mackay has plenty of advice for those who want to create their own jobs by starting their own businesses (also see accompanying excerpt from Sharkproof).

No matter what Harvey Mackay has done, from being an envelope salesman to owning an envelope manufacturing company to writing best-selling books, he has always relied on one principle: Do your homework. As a salesman, he located prospective … Read the rest

]]>
http://www.presentpourlequebec.org/harvey-mackay-talks-business-and-sharks/feed/ 0
Warming Up Your Winter http://www.presentpourlequebec.org/warming-up-your-winter/ http://www.presentpourlequebec.org/warming-up-your-winter/#comments Wed, 11 Nov 2015 11:05:25 +0000 http://www.presentpourlequebec.org/?p=56 Jim grew up in the South. His dad was a coach, so he grew up with baseball, football, and basketball experiences. In high school, he developed a long-distance running habit as well. He did lots of sports–all of which seemed to depend upon sunshine, warm temperature, and generally good weather.

Because of his experience and particular sports orientation, Jim also developed a genuine dislike for winter. This was fine until Jim’s family moved to the Midwest.

Winter Wonders

family-skatingTo his surprise, Jim found the seasonal changes interesting and made a promise to himself to develop a winter sports interest.

After considering a myriad of possibilities, Jim recognized that three winter sports stood out in terms of popularity. They were ice hockey, ice skating, and cross-country skiing. So he decided to analyze each one with respect to its physical fitness demands and benefits, its psychological rewards, and its practical characteristics.

Looking at Fitness Demands

In terms of physical fitness, Jim found that ice hockey and cross-country skiing were more demanding than … Read the rest

]]>
Jim grew up in the South. His dad was a coach, so he grew up with baseball, football, and basketball experiences. In high school, he developed a long-distance running habit as well. He did lots of sports–all of which seemed to depend upon sunshine, warm temperature, and generally good weather.

Because of his experience and particular sports orientation, Jim also developed a genuine dislike for winter. This was fine until Jim’s family moved to the Midwest.

Winter Wonders

family-skatingTo his surprise, Jim found the seasonal changes interesting and made a promise to himself to develop a winter sports interest.

After considering a myriad of possibilities, Jim recognized that three winter sports stood out in terms of popularity. They were ice hockey, ice skating, and cross-country skiing. So he decided to analyze each one with respect to its physical fitness demands and benefits, its psychological rewards, and its practical characteristics.

Looking at Fitness Demands

In terms of physical fitness, Jim found that ice hockey and cross-country skiing were more demanding than … Read the rest

]]>
http://www.presentpourlequebec.org/warming-up-your-winter/feed/ 1
Bank Smart, Or Find Yourself Broke http://www.presentpourlequebec.org/bank-smart-or-find-yourself-broke/ http://www.presentpourlequebec.org/bank-smart-or-find-yourself-broke/#comments Sat, 07 Nov 2015 12:43:13 +0000 http://www.presentpourlequebec.org/?p=48 Don't throw your money away!

Don’t throw your money away!

When I choose a bank, I look small institution–a community bank or a credit union. They typically charge less for loans than large institutions do, pay more interest on savings, and set lower minimum deposits on checking accounts. You get to know the people who work there, which helps a lot when you have a problem, need a loan, or think a particular tee should be waived. If a small bank isn’t available, look for a small branch of a larger bank.

Opening an Account

Don’t wander into a bank like a tourist. Pick up brochures in advance, read them, and then make an appointment to see a banker. At the meeting, explain how much money will flow through your accounts, what services you’ll want, and the kinds of loans you’ll be looking for (bankers love to hear about loans because that’s where they really make their money). Ask what interest rates the bank currently charges for various loans. Get a printed schedule of … Read the rest

]]>
Don't throw your money away!

Don’t throw your money away!

When I choose a bank, I look small institution–a community bank or a credit union. They typically charge less for loans than large institutions do, pay more interest on savings, and set lower minimum deposits on checking accounts. You get to know the people who work there, which helps a lot when you have a problem, need a loan, or think a particular tee should be waived. If a small bank isn’t available, look for a small branch of a larger bank.

Opening an Account

Don’t wander into a bank like a tourist. Pick up brochures in advance, read them, and then make an appointment to see a banker. At the meeting, explain how much money will flow through your accounts, what services you’ll want, and the kinds of loans you’ll be looking for (bankers love to hear about loans because that’s where they really make their money). Ask what interest rates the bank currently charges for various loans. Get a printed schedule of … Read the rest

]]>
http://www.presentpourlequebec.org/bank-smart-or-find-yourself-broke/feed/ 1