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Panama is one of the true gems of Central America. I’m an American who’s been living here for almost a year and the country’s beauty and diverse culture continues to amaze me every day. Traveling to Panama is so much fun! There are plenty of things to see and places to explore. Below are 5 important travel tips to that I’d like to share with you. Let my own experiences guide you in traveling to this amazing country and truly having an enjoyable stay.· Travel light – It’s really an advantage to just travel with one carry-on bag and one personal bag. You’ll be able to get through customs and immigrations much faster with no checked-in baggage. A tour to this country usually covers traveling from Panama City to other towns, so traveling with a light suitcase would really be a plus. Most of the places covered by the tour have laundry facilities that you can avail for a small fee.· Visit the country’s famous canal – Your trip won’t be complete if you don’t visit the Panama Canal. You can take on a canal cruise and traverse the famous Gaillard Cut. Learn the history of the canal and find out why it significantly contributes to the country’s economy. While you’re there, you might also try experiencing the locks the canal is famous for, on a ferry-boat.· Eat local food – Try the country’s delicious chicken soup called the “Sancocho” and many other tasty dishes like the “Yuca Frita”, “Pescado”, “Patacones” and the “Carimanola”. You can also try eating what they call the “Comida Corriente” which means meal of the day. This constitutes rice accompanied by beans and meat (a choice of chicken, beef or pork). Drink as well “Seco”, the country’s alcoholic beverage that is made from sugar cane.· Be a responsible traveler – When going on a hike for instance, try not to get carried away by the beauty of nature and create a new track. If you are not familiar with the country’s rainforest, it won’t be such a good idea to wander off on your own. Stay with your group as getting lost in the rainforest can be extremely dangerous.· Stay for 1 more week – Tour packages just often include a 5-day and 4-night stay which is definitely not enough. If you extend your trip, you’ll be able to meet and visit American expats who are residing permanently in Panama and spend more days at the country’s beaches, waterfalls and rainforest. You can also do more shopping as the items that you can buy in the country are definitely a bargain.From the amazing skyscrapers and modern splendor of Panama City to the relaxed lifestyle in the provinces, Panama is such a beautiful country that’s truly worth visiting. Many tourists are often surprised to find that modern conveniences abound in a country that’s considered as third world. Panama is therefore so full of surprises. It may not be as rich and modern as the US, Canada or UK but the country has its own unique appeal that’s truly worth a thousand words.

When it comes to the time of property listing, the agent has to get all the details about the property and the needs of the client. That being said, a few problems exist here:
The client may not tell you everything that you should know about them or their property
The client may forget to tell you critical things that impact the property marketing and sale or lease as the case may be.
The client may tell you things that are incorrect or misleading in an effort to sell their property faster.
Getting all the facts will therefore be so important to the way you in which you proceed with the property marketing and inspection process. Always take notes of the meetings with the client and any associated person that is providing information. Critical property information should be evidenced in writing.As a general rule, do not rely solely on verbal comment from anyone; take what you are told and then check it out first before you pass on information. The threat of a negligence claim or legal action is quite common in property agency activities.Hidden problems about the property are likely to exist. To support your listing processes with the client, here are some things to look into and ask questions about:
Search the property title to make sure that you are talking to and dealing with the legal property owner.
Check out any encumbrances or claims on the title. They may be registered or unregistered documents; in each case you will need a copy of the relevant document. If you do not understand what it is doing to the property, seek the guidance of a solicitor to help.
Claims and orders on the property may exist at any time. They usually come from the local building or health authority and will signify that something does not comply with current codes of occupancy. The local municipal council is a good place to start to get this information.
Get the history of the property from the client. Industrial property may present special challenges here given any risky industrial property use by previous tenants. Matters of the environment or dangerous substances may come into play.
Speak to the owners or occupiers of property nearby in case they know of other challenges in the area that you have not seen.
If the property contains tenants, then they are likely to share matters of property performance and maintenance with you. Ask questions here.
The services and amenities to the property could involve costs or supply issues. Check out gas, water, sewer. electricity, stormwater, drainage, data, roads, and telephone. When in doubt, ask more questions. Just because you can see something, does not mean that it is functional or that you can use it or tap into it.
Check out the local property zoning and regulations relating to your property and the precinct. The local planning office may have imposed some changes or restrictions here.
So this list is a good start for the times that you will be interviewing the property owners to undertake a listing. Create a checklist from your processes and use the checklist on all properties as they come to you as new business. Over time you will be able to modify the checklist to the different property types and issues associated.
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The scope of project management is continuing to expand all the time as more technology and infrastructure comes online that has direct implications towards the capabilities of business. With more firms interested in growing their options and stakeholders concerned about the viability of project endeavors. Combining modern assets with new project management styles can help companies increase their viability and generate more positive outcomes for their challenges. The most important factor needs to be how well people communicate about these emerging ideas.
Though the presence of IT options is ever enhancing the options employees have for integrating project management solutions into their endeavors, it’s necessary for leaders to ensure that these tools are facilitating useful transactions, rather than just presenting the idea of a more fluid workplace. IT project management therefore should prioritize certain qualities during the course of creation, deployment and engagement of these assets. Here are some of the most important:
Flexibility and agility
The presence of a project management solution in the enterprise landscape may provide the facsimile of a progressive workplace, but these assets actually need to deliver on their overall concepts and promises. If a new software tool is meant to provide better usability and collaboration options, it should be outfitted with network access and security resources that fit this description. While many businesses may be interested in these kinds of deployments, not all are taking the time or putting in the effort to ensure a truly flexible and agile software experience.
CIO Online’s Jennifer Lonoff Schiff wrote that agility and flexibility aren’t limited to how easily a worker can access project management solutions, either. These qualities are directly related to how rapidly and easily a series of goals can be realized. Software in this category should therefore facilitate successively smoother transactions and rapidity of completion on a range of tasks. If technology isn’t facilitating these kinds of outcomes, then the tools aren’t in line with best practices for enterprise success.
Open communication channels
Interaction with hardware is only a small part of the overall fluidity and agility of a network solution. As Lonoff Schiff added for CIO, it’s important that companies are also stressing communication in this framework. A truly collaborative experience can only be as good as the sum of its parts, and while employees in a fluid and agile system can easily share documents and work progress, there needs to be explanation and dialog associated with these resources to support engagement. Not only will these options help keep people interested in their work, they also facilitate ongoing success, as clear and open communication is vital to promoting a fluid and successful work environment.
“Everyone on the team should know what the target is that they are shooting for and what success looks like at the end of their journey,” Tony McClain of Geneca told Lonoff Schiff. “They must be crystal clear on the part they play in [the project] and how they will help the team get to the finish line.”
Specialization and job partitioning
Vital to the success of a team environment in the scope of project management software is the ability for leaders to successfully communicate the role everyone is meant to play. These solutions help facilitate collaboration between different parties, as well as provide support for what every particular staff member is meant to do. In instances where personnel are not given custom functionality or resources that further their particular assignments, there can be significant problems with engagement and timeliness of completion.
As Eddie Kilkelly wrote for HR Magazine, project management lifecycles in the IT landscape and beyond need to provide levels of use and custom application options for staff that need these tools most. While some team members may require budgeting and finance resources, others are more concerned with technical engineering or HR interactions. Every person plays his or her own critical role, and the best project management software delivers these assets to each person.
What’s more, these tools should provide a collaborative core that generates centralized repositories of information, thereby encouraging total communication within the team, to upper management and with stakeholders. These kinds of comprehensive software assets are what set the best IT resources for project management apart from the rest.

There are several reasons why you should renovate your home. However, you may not know how you can finance the home remodeling process. Keep in mind that home renovations are a great way to breathe new life into an old setting.

Remember that a new bathroom or kitchen can add value to a home and upgrade your life. If you want to add beauty to your home, you can include a new roof, have a paint job or do some deck repairs. All these things can protect your most expensive investment. If you want to save money every month, you can put in energy efficient windows and doors and install a new HVAC system.

Most folks find these things cost prohibitive, which is why many folks look to a home improvement loan to help them out. Before you get all excited about getting a home improvement loan, you need to understand right now that there is no such thing as a home improvement loan. The term is overused and generally describes the various loans that one can put toward a home improvement project.

Four Popular Home Improvement Loans To Check Out For Your Next Home Improvement Project

1 – Home Equity Loan

This kind of loan means the borrower uses the home’s equity for collateral, which is the loan amount in which you’ve paid off and can call your own. These loans are looked at as second mortgages since they’re taking out on top of the first mortgage. They’re also paid off in a shorter amount of time than the main mortgage loan. The loan comes to the borrower as a lump payment and is paid off in a fixed rate setting at regular times.

2 – Home Equity Line Of Credit

This is very similar to the home equity loan in regards to borrowing equity in your home. Rather than a lump sum, the money is giving in waves like a credit card. You qualify for a certain amount based on the home’s equity. You can take amounts out up to the limit and then as you pay on the principal loan, you can take out more “credit”. The reason this is so popular is that you borrow only the amount you need.

Something To Consider – Of course, both loans have a negative aspect to them, which is that you’re using your home as collateral. If you default on it, you could lose the home. Most people use the loans for home improvements, although some folks use it for other expenses such as a new vehicle or college.

3 – Energy Efficient Mortgages

There are times that home improvements are not about getting new kitchen or bathroom cabinets but rather up-keeping the home and lowering the monthly utility bills. This may mean replacing the HVAC system, which can save you money in the long run on your utility bills. The Energy Efficient Mortgage is similar to a second mortgage and can be rolled into the main mortgage. It can also be given when you first get the initial mortgage… for a new home. You can use this loan for an existing home by having it added during the refinance process. If you receive funds, then you’ll have to use it for the purpose asked for.

4 – Cash Out Refinance

This type of mortgage refinance is done when you refinance your home for over the outstanding balance on the loan you already have. This strategy is used when properties have boosted in value. Say you purchased your home for $200,000 about 10 years ago. You’ve paid on it $90,000 and owe $110,000 on the loan. The home’s value has doubled since purchasing it and it’s now worth about $400,000. You can opt for a cash-out refinance for $250,000 and use the money to pay off the outstanding loan of $110,000 and use the remaining amount for the home renovations.

If you want to make some home improvements and don’t think you can afford it, it’s time you look into a home improvement loan. Don’t forget that the above four are just some of the money options you have at your disposal to make those home improvements you’ve always wanted to do but never thought you could.

A business plan is a written description of the future of your business and more importantly, how you are going to get there. It is a document that explains what you are going to do to make your company profitable and how you are going to achieve this. It defines both your business model and your strategies to make this business model work and more importantly profitable.

Normally when a business idea arises, you know what resources and capabilities you have at the start of your business and where you want to go in a certain period, usually in 3 or 5 years. But what is the way to reach that goal? Where to start? How to arouse investor interest? Even, how to get your business off the ground? Everything seems so easy when you have the great money winning idea and concept. It is how you are going to achieve these dreams and get enough money to keep the business going for many years to come.

Writing a business plan is to build a map that will guide you to where you start making money with your initial business idea. At is very basic structure, your business plan is a mixture of strategies and plans. It involves financials, marketing, staffing and products. Think of it as the foundation to your new business.

WHAT are the reasons that I might need one?
• To look for investors.
• To apply for a loan.
• To establish the viability of your business idea.
• To make improvements to your current business.
• To expand your current business.

All of these types have different emphasises and a different structure.

WHAT is a business plan?
It is a tool or document that describes a business opportunity or idea, the work team, the operational and marketing execution strategies, the business risks and the economic viability of your business. A well written document guides you to turn an idea into a viable business.

It can also be defined in another context in that the business plan becomes a fundamental tool within the analysis of a new business opportunity, a diversification plan, an internationalisation project, the acquisition of a company or an external business unit, or even the launch of a new product or service within the current business.

To summarise, both for the development or launch of a startup and for the analysis of new business investments, the business plan becomes an indispensable tool. So even though you have an established business, you will still need a business plan as you expand and improve that business.

A business plan is never finished and should be reviewed from time to time at least annually but certainly when large changes to an existing company are anticipated. This implies that every plan must adapt effectively and efficiently to the changes, helping the project to continue.

WHAT is the point of a business plan?
Many entrepreneurs think they only need a business plan when they are seeking investment or when the bank asks for one. However the act of business planning, when completed correctly, enables the entrepreneur to carry out an extensive market study that will provide the information required to design the best possible business model that will be both profitable and efficient.

Additionally, the business plan will develop the strategic measures for all functional areas that will enable them achieve the objectives for the new business.
Once written, the business plan will serve as an internal tool to assess the management of the company and its deviations from the planned scenario. Proposing, if necessary, adaptations to the agreed business model in order to obtain updated information for the daily management of the company. This will include preparation of the required changes and processes to bring the business back on track.

So lets dive into the concepts behind business planning a bit more.

The WHY of The Business Plan
• Why do you want your business plan?
• Why are you writing the plan now?

The WHAT of the Business Plan
• What is the purpose of developing a specific plan?
• In what period do you consider it possible to carry out your projects?
• What is your business model?
• What is your Value Proposition?
• What are your products or services to be offered?
• What positioning do you plan to develop to compete?
• What are your measurements of success?
• What markets do you plan to penetrate?
• What market percentage do you estimate to obtain?
• What margins do you consider possible?
• What income do you consider you will receive?
• What are the costs of expansion?
• What are the costs of obtaining new customers?
• What do you want to do with your business?
• What strategies do you want to undertake – financial, marketing and planning

The WHERE of the Business Activity
• Where will your products be sold from? Shop, office, website, social media, road side, party planning,
• Where are you based? Locally, centrally, virtually etc.
• Where are your products produced?
• Where are your distribution channels?
• Where are they going to be sold?
• Where is your market?
• Where will your staff need to be based?

The WHEN of your business planning activities
• When will you need to start your new activities?
• When will they end?
• When will your investor need to invest?
• When will your investor get their money back?
• When will you have enough staff to carry out your new changes?
• When will your products and services be available?
• When will your products need to be updated and/or improved?
• When is the best time to attract new customers?

WHO do you present your plan to?
• Bank for loan purposes and they will take a charge over a property usually.
• Investor to join your company as a shareholder.
• Angle Investor to join as a shareholder but also be involved in the running of your company.
• Management team so they know what is expected of them.
• Suppliers who will be offering credit.
• Director level hires so that they are encouraged to join your company.
• Believe it or not the entrepreneur should also refer back on a regular basis.

As you can see there are a lot of Ws involved with a business plan – the biggest W is why should you write a business plan and the answer is – because it is such a great business tool.