Panama Quality and Cost of Living

Introduction – Mercer Human Resource Consulting has released their 2007 findings. These are surveys which rate cities according to certain criteria they elect to use. They use New York City as a baseline with a rating of 100 for their surveys. Cities coming in under that are worse and over that are better. Mercer is a well-respected source of this information.

Panama Standings for Quality of Living – Mercer uses 39 criteria to determine quality of living. These criteria include social, economic, crime, police, banking, currency and related controls, censorship by the government, personal freedoms, medical facilities, doctors and pharmacies, education, transportation, public services, weather, climate, and other criteria. It is not based on the number of bars, restaurants, ballparks etc although these are factors in the equation. It is not a surprise that Baghdad is the worst city in this survey with a score of 14.5. Zurich hit the number one spot for quality of life with a score of 108.1 and Geneva comes in close with a score of 108. Vancouver and Vienna follow with a score of 107 tied for third place. Panama comes in with a score of 82.9 situating it in 92nd place. So mercer feels that there are 91 better cities to live in.

For a frame of reference Budapest came in with a score of 90.2 giving is 74th place. Detroit came in 64th place with a score of 96.1. Pittsburg came in with a score of 99.7 giving it 52nd place. The craziest thing yet is Los Angeles, which came in with a score of 98.3 giving it 55th place. Detroit, Los Angeles is extremely dangerous place. Their homicide and violent crime rates are through the roof. In certain sections of Los Angeles the police go on calls in groups of four squad cars. They have awful smog. Their cost of living is insane with many homes selling for over three million dollars. Their traffic jams are world class. Their public schools are beyond bad, they are not safe. They have police with metal detectors in their schools. Then we can get into drug addiction, gang violence, and on the list grows. How in the world could this be a nice place to live beats me. So what is Mercer thinking anyway?

Panama Cost of Living – Panama has not made it into the top fifty most expensive cities to live in. In 2007 Panama ranked 124 out of 143, which is fairly low. San Paulo and Rio de Janeiro were the most expensive cities in Latin America with positions 62 and 63. Asuncion Paraguay continues to hold place 143 as the cheapest place to live. Following closely is Buenos Aires in position 139, Montevideo Uruguay in position 140 and Quito Ecuador in position 141. Mercer does this survey using 200 different criteria such as cost of husing, food, medical, transportation and so forth.

Discussion – Panama is going through a housing boom. Most of the new homes are not yet completed or occupied. This would mean they are not yet included into the study. If one puts a deposit on a home paying $3500 a sq. meter this is not a completed transaction and thus would not be included in any statistics concerning real estate prices which are based on actual sales, not based on deposits. When these new projects get certificates of occupancy then we will see the cost of living spike up sharply. Housing is the largest expenditure one generally makes. This will then rack Panama up there in the cost of living index.

Working From Home: How to Make it Enjoyable and Productive

Working From Home: How to Make it Enjoyable and Productive

For many people the ultimate dream is to escape from the rat race and work from home. To some people who have achieved this dream it has turned into the ultimate nightmare!

With the every day stresses of life, work and commuting, working from home can appear to be the way out, but it is not as easy and idyllic as it sounds. If you are seriously thinking about setting up in business on your own and working from home, what are the pitfalls and what can you do to avoid them?

Understanding Your Motivation

It can be too tempting to stay in bed for a little longer when you are working at home. The need to get up and beat the early morning traffic or to be at your desk by 8.30am is missing when you only have a short walk to your new place of work.

If you are to be effective in your new work environment you have to find a motivator which is sufficiently strong enough to get you up and about and at your desk by your appointed time. To find out what your motivator is cast your mind back to why you wanted to work from home in the first place. Was it to spend more time with the family? Was it to give you freedom to pursue other interests?

If you dont find these strong enough to get you out of bed, find a financial reason. Visualise you and your family being thrown out of your house because you couldnt up the mortgage payment! Keep this image in mind and the next time you find yourself staring at the bedroom ceiling raise this image and youll quickly find yourself at your desk!

Establish a Routine

We are all creatures of habit and a set routine can help keep us motivated and focused on the job in hand. Set yourself a starting time, a tea break and lunch break etc. A set routine can help you settle into your new role much more quickly than a lets see what happens today approach. Without a working schedule, which includes a finite finishing time to the day, your working day will be unfocused and could stretch late into the night, ending what ever social life you may have.

Youre All Alone

Working from home can be a lonely existence. As human beings we are born to seek out contact with other humans. In an office environment there is daily contact, quick 10 minute chats at the coffee machine finding out what colleagues did the night before, and someone to celebrate a big sale with. All of this is essential to making our lives feel complete and yet this is missing from a home-based business.

To overcome this feeling of isolation, which will be especially pronounced during your early months, you must establish a network of people who are in the same position as you. Agree that you will talk on the phone at least twice a week, and arrange to have lunch or a quick coffee once every 2 weeks. Your family may not be the right people to talk over a business problem with, so you have to find someone who can relate to your successes and problems.

Get Out of The House

Staying in the house Monday to Friday without seeing the light of day is certainly not good for your health or state of mind. You may be so focused on your work that you convince yourself you cannot afford the time to leave the house. But this is a false economy. You have to schedule time to move out and experience a different environment.

As well meeting your fellow home workers for a regular get together, join a health club, go for a swim once or twice a week, go to the cinema, check out your local Business Link to see what seminars they are running anything to get you out of the house! Dont get trapped into only working, eating and sleeping in your home.

Be Mobile

These days you can do most work-related tasks away from your home desk. Once your business is established invest in a laptop, PDA and a good mobile phone. Armed with these devices you can take your office with you and work from your garden, the local park, or even the library. It doesnt matter where, just as long as you are out of the house and being around the rest of the human race.

Create an Office

If you have been used to working in a formal office environment all your working life, then switching to the kitchen table or the spare room can be an unwelcome distraction. To give you that discipline and focus designate a part of the house as your office. If you have a spare room or study then even better. Buy a desk and office chair, filing cabinets and other office-style stationery. Remove all family and home-related items so this tells your mind that you are at work and not home.

Get Organised

In any office you have too many colleagues and clients visiting you to allow your work area to get cluttered. At home its different. Unless you are expecting clients on a regular basis then its too easy to allow your paperwork and filing to get out of hand. The saying that a cluttered desk leads to a cluttered mind is true. Your efficiency and productivity will suffer unless you are organised. Buy filing cabinets, box files, waste paper bin, put up shelves, so that everything is in place.

Getting organised and being efficient also includes setting the ground rules with the family. They need to understand that you are at work and not at their beck and call for every little job that needs doing. Be firm and say no unless it is very urgent and requires immediate attention. Allow nothing to get in the way of your business.

Working from home can be a liberating experience, yet at the same time it can be dangerous unless properly handled. Before embarking on your home business, take time to plan and prepare how you are going to deal with the transition. Done correctly, working from home can be a very attractive alternative to the daily grind of the office.

How Can I Profit from Resell Rights products?

There are many ways to profit from resell rights products. The first way, of course, is to simply resell the product. However, there are ways that you can realize even more profits. It just takes a little thought and creativity.

When you sell the product, have an additional product or products to sell as an upsell or backend product. For instance, sell the resell product at 39.95, then have an upsell, or a related product, that you offer either on your order page for an increased price, such as 49.95 or 59.95. Your upsell could even be a membership website, for which you would collect monthly membership fees from your customers.

You can also advertise a backend product on the thank you page. This is a product that is offered after the purchase of the original product is made, for a different price. Backend products can cost more than the original product, the same, or even less.

You can also profit more from your resell rights products by repackaging it, including more products, and raising the value of the package which in turn raises the price. If you have master resell rights of the product, which allows you to sell the resell rights as well, you can create a nice package of various related products and sell resell rights to that package as well.

You could even simply sell the product, or give it away if you are allowed to do so, in order to use a squeeze page to collect quality leads. A large list of quality leads opens many profitable doors. For instance, you could enter into joint venture deals to sell high ticket products to your list, or rent your list out to other companies for a fee.

However, before you start using various methods for increasing your profits with resell rights products, it is very important that you read your license agreement to be certain that you are not in violation of any of the terms.

Used Cars

Buying a car is a huge investment, whether you are buying a new or used car. By looking at used cars, you will see that this can save you a lot of money while you still get a great car. But before buying a used car, you should do a little bit of research to make sure that you are truly getting your moneys worth. Otherwise, you could just end up stuck with someone elses problem.

Before you start doing any research, make sure that you know what you want out of your used car. This includes knowing how many miles you are willing to have on it, what type of vehicle you are looking to buy, and the features that you will want on your used car. After you have determined these factors, its a good idea to look on used car websites. This can not only provide you with what a good price is for the car you are looking for but can also be a great place to purchase your car once you have decided on one you like. While you are looking online, beware of a price that seems too good to be true. It probably is and a low sales price could mean that the car is not in good condition and will end up costing you much more money later on.

Once you have decided on a few used cars that you are interested in, get their Vehicle Identification Number (VIN.) You can get this from the previous owner, the website youve found the car on, or it is usually located on the drivers side of the vehicle where the dash meets the windscreen. After you have the VIN, you can get a report on the vehicle for about twenty pounds. The VIN will tell you everything that has happened to the used car in the past, whether it has been in an accident or has had costly repairs done to it. Many sites, such as BuyYourCar provide an AutoCheck facility. You just enter the registration number of the car for sale and it will tell you its history.

When buying a second-hand car online, make sure you go through a reputable company. Knowing who you are dealing with will give you some insight as to what to expect from that company and how to go about finding a used car through them. Any online company or website should be thoroughly researched before any purchase is made. There are many wonderful companies and websites that offer used cars online; however, there is always someone that is just trying to make a quick buck as well. Doing some research wherever you buy your car from will give you the best protection when buying a second-hand car.