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    Business Financial Planning
    Finance in relation to business is concerned with the task of providing funds needed by the enterprise in terms that are most favorable in the light of its objectives. The finance function of a business is concerned with procurement of funds and its effective utilization in business. It covers financial planning, forecasting of cash receipts and disbursements, realizing of funds, using and allocation of funds and financial control. Financial planning helps in defining financial goals, setting objectives and developing a plan to achieve them. Planning is not master-minding the future, and any attempt to do so is foolishness. Human beings can neither predict nor control the future. For this reason, management has to clarify their objectives and determine what actions must be taken, when, by whom, and at what cost to achieve the cherished goals. Financial planning is the process of evaluating different investing and financing opportunities available to a firm an
    of recorded voice will probably be more important if you are using the machine to take dictation rather than an interview. When dictating a letter you may want to go back and delete the last few words and replace them with something else. The recorders at the mid to upper end of the price-range usually have this feature but if it's important to you it's worth checking to make sure as they by no means all have it.

    How is the recorder powered? Most recorders are battery powered but if you're gong to be using your recorder significantly it's worth checking that you can use rechargeable batteries, from an environmental and cost perspective! It's also a consideration if dimensions are important to you. In particular the batteries can add considerably to the weight. Most modern recording machines are fairly light and quite discreet though. If weight is a concern make sure that the weight listed includes the batteries.

    Whether or not the recorder has a microphone jack is an important consideration, as is the quality of mike that it allows you to plug in. Really for anything but one-person dictation an external microphone is a necessity. Recording an interview with only the machine's internal microphone is likely to give disappointing results. A poor recording will lead, at

    Corporate Gifts Offer Great ROI
    How do you make the most of your marketing budget? Any marketer will tell you that the key to getting the most mileage of your finances is to choose activities that offer high ROI value. A corporate gift-giving program offers excellent ROI in many different avenues on the marketing spectrum. For just a bit of pocket change, you can catch the attention of your best prospects, woo them to visit you at a trade-show booth, keep yourself in the forefront of their minds, trade on their loyalty and turn them into adverts for your services. All it takes is a little planning and foresight, and some insight into the type of gifts that will grow legs and run for your business.Obviously, gift-giving is no substitute for offering excellent service and quality products, but when you make corporate gift-giving a part of your marketing tool chest, you’re showing that you understand your clients and have their interests in mind. Here are five times in the business rela
    There is a bewildering away of recording equipment available to record your interviews, focus groups, conferences etc. for later transcription, but this article aims to inform you on the different features available for recorders, what they're for and how the will (or won't) be of use to you, as someone who is recording for transcription. There is an enormous price range from less than ?50 to hundreds of pounds, and this article aims to explain indicate which features cost more and what to look out for. The different features are first listed and then explained, and this should allow you to choose a machine that's right for you and your transcriptionist. As any visit to a good website or shop selling these machines will show you, this is not a comprehensive list. It's a lost of the most important aspects from a transcription point of view.

    The different features are:

    • Recording quality
    • Frequency response
    • Amount of recording time
    • Computer interface
    • File type
    • Editing of recorded voice e.g. rewinding and adding or deleting some words
    • How is the recorder powered?
    • Dimensions
    • Microphone jack
    • Links with a speech recognition software

    Recording quality will normally be indicated as SHQ - stereo high quality, HQ - high quality, SP (short play) and LP (long play). SHQ is the best quality (and stereo of course) but will take up the most memory, so you will be able to record less at this setting. LP is the poorest quality but you can record more time. Mono is probably perfectly adequate for an interview, but if you're recording a number of different people e.g. at a meeting, conference or focus group, it might be useful to have stereo recording. To use stereo you will need a stereo microphone or more than one external microphone.

    The different recording qualities relate to different frequency responses. The human ear picks up audio in the range of between approximately 20 Hz and 20 kHz. But what are the most used frequencies in speech? I'd love to know but a quick Google search gives an unbelievable range of answers! I think it's fairly safe to say it's somewhere around 250 Hz to 5 kHz, with the higher end being a high-pitched woman's voice and the lower end being a low-pitched man. So it's around those ranges that you need to be looking. There is a wide range of different frequencies available in different recording machines but frankly most will record a one-to-one or one-to-two interview to acceptable quality at SP, and possibly even at LP.

    The amount of recording time will depend on which recording quality you choose, and again the range of times is enormous, so you really need to think about what your needs are. You might need a long recording time if you're going to be researching 'in the field' for significant lengths of time, with no access to your PC to download files, or if you are recording a conference, especially if you want to use a high quality recording for this, which will mean you have less time. If, however, you are recording notes or dictation, or one-to-one interviews, and can regularly download information onto your PC, there is no need to save vast amounts of data onto the machine. It is probably this factor that creates the biggest price differences, so think carefully and don't buy a machine that gives you hours more time than you need.

    The computer interface is a really important consideration. If you are planning to send the recordings to a transcriptionist to be transcribed you will need to download them onto your PC first. They can then either be emailed (if small enough, see file type section), transferred by FTP, or in some cases, including my company Penguin Transcription, sent using a file-sending box on the transcriptionist's website. Even if you plan to transcribe the files yourself it is a tedious business if you have to do this directly from the 'note taker' as recorders that don't have a download interface are sometimes called. Ideally the recorder will link to your PC with a USB interface, usually requiring no extra software or drivers. Alternatively it might link through a port and come with a CD containing the relevant drivers.

    The file type is another very important consideration and is perhaps the one that is most often overlooked. Examples are WAV (uncompressed, great quality but enormous), WMA (Windows Media format, compressed but reasonable quality for voice), DSS (Olympus proprietary transcription file, very compressed but specially designed for voice so good quality). These are just a few examples and you can see details of a wider range of file types in my separate article on this site 'Digital File Types for Audio Transcription'. If you plan to send your files to a transcriptionist for transcription you will ideally want files that are reasonably small and can be emailed, although there are various ways of sending much larger files over the net. WAV files will not only take a long time to send, they will take up a lot of space on your PC, and on your recorder. DSS or DVF files for instance, are much more convenient as they are small and compact, can be emailed without being blocked by the server, and are delivered quickly.

    Editing of recorded voice will probably be more important if you are using the machine to take dictation rather than an interview. When dictating a letter you may want to go back and delete the last few words and replace them with something else. The recorders at the mid to upper end of the price-range usually have this feature but if it's important to you it's worth checking to make sure as they by no means all have it.

    How is the recorder powered? Most recorders are battery powered but if you're gong to be using your recorder significantly it's worth checking that you can use rechargeable batteries, from an environmental and cost perspective! It's also a consideration if dimensions are important to you. In particular the batteries can add considerably to the weight. Most modern recording machines are fairly light and quite discreet though. If weight is a concern make sure that the weight listed includes the batteries.

    Whether or not the recorder has a microphone jack is an important consideration, as is the quality of mike that it allows you to plug in. Really for anything but one-person dictation an external microphone is a necessity. Recording an interview with only the machine's internal microphone is likely to give disappointing results. A poor recording will lead, at w

    How to Avoid Being a Thin Affiliate
    What's all this about thin affiliates?In a "leaked" document reportedly coming from Google, the big G gave guidelines to human spam-busters on how to classify affiliate sites as thin or not.A "thin affiliate" is basically one that creates pages with the sole intention of ranking well and directing traffic to an affiliated merchant site, without adding anything unique to the World Wide Web.It seems that the algorithms at Google HQ are no longer the only ranking factors involved in where your pages end up in the search results. Now, human beings are scouring the Internet looking for sites to penalise.Some have called it a hoax, others have seen it as the end of affiliate marketing, but if you actually read this report, you will hopefully see what I see:(a) Affiliate sites are here to stay(b) If you do things right, you will end up with less competition from other affiliate marketers (since so many will ignore this repo
    ort play) and LP (long play). SHQ is the best quality (and stereo of course) but will take up the most memory, so you will be able to record less at this setting. LP is the poorest quality but you can record more time. Mono is probably perfectly adequate for an interview, but if you're recording a number of different people e.g. at a meeting, conference or focus group, it might be useful to have stereo recording. To use stereo you will need a stereo microphone or more than one external microphone.

    The different recording qualities relate to different frequency responses. The human ear picks up audio in the range of between approximately 20 Hz and 20 kHz. But what are the most used frequencies in speech? I'd love to know but a quick Google search gives an unbelievable range of answers! I think it's fairly safe to say it's somewhere around 250 Hz to 5 kHz, with the higher end being a high-pitched woman's voice and the lower end being a low-pitched man. So it's around those ranges that you need to be looking. There is a wide range of different frequencies available in different recording machines but frankly most will record a one-to-one or one-to-two interview to acceptable quality at SP, and possibly even at LP.

    The amount of recording time will depend on which recording quality you choose, and again the range of times is enormous, so you really need to think about what your needs are. You might need a long recording time if you're going to be researching 'in the field' for significant lengths of time, with no access to your PC to download files, or if you are recording a conference, especially if you want to use a high quality recording for this, which will mean you have less time. If, however, you are recording notes or dictation, or one-to-one interviews, and can regularly download information onto your PC, there is no need to save vast amounts of data onto the machine. It is probably this factor that creates the biggest price differences, so think carefully and don't buy a machine that gives you hours more time than you need.

    The computer interface is a really important consideration. If you are planning to send the recordings to a transcriptionist to be transcribed you will need to download them onto your PC first. They can then either be emailed (if small enough, see file type section), transferred by FTP, or in some cases, including my company Penguin Transcription, sent using a file-sending box on the transcriptionist's website. Even if you plan to transcribe the files yourself it is a tedious business if you have to do this directly from the 'note taker' as recorders that don't have a download interface are sometimes called. Ideally the recorder will link to your PC with a USB interface, usually requiring no extra software or drivers. Alternatively it might link through a port and come with a CD containing the relevant drivers.

    The file type is another very important consideration and is perhaps the one that is most often overlooked. Examples are WAV (uncompressed, great quality but enormous), WMA (Windows Media format, compressed but reasonable quality for voice), DSS (Olympus proprietary transcription file, very compressed but specially designed for voice so good quality). These are just a few examples and you can see details of a wider range of file types in my separate article on this site 'Digital File Types for Audio Transcription'. If you plan to send your files to a transcriptionist for transcription you will ideally want files that are reasonably small and can be emailed, although there are various ways of sending much larger files over the net. WAV files will not only take a long time to send, they will take up a lot of space on your PC, and on your recorder. DSS or DVF files for instance, are much more convenient as they are small and compact, can be emailed without being blocked by the server, and are delivered quickly.

    Editing of recorded voice will probably be more important if you are using the machine to take dictation rather than an interview. When dictating a letter you may want to go back and delete the last few words and replace them with something else. The recorders at the mid to upper end of the price-range usually have this feature but if it's important to you it's worth checking to make sure as they by no means all have it.

    How is the recorder powered? Most recorders are battery powered but if you're gong to be using your recorder significantly it's worth checking that you can use rechargeable batteries, from an environmental and cost perspective! It's also a consideration if dimensions are important to you. In particular the batteries can add considerably to the weight. Most modern recording machines are fairly light and quite discreet though. If weight is a concern make sure that the weight listed includes the batteries.

    Whether or not the recorder has a microphone jack is an important consideration, as is the quality of mike that it allows you to plug in. Really for anything but one-person dictation an external microphone is a necessity. Recording an interview with only the machine's internal microphone is likely to give disappointing results. A poor recording will lead, at

    Online Dropshipping in the UK - Starting a New Buisness
    One of the most appealing aspects of dropshipping is you can run your business from anywhere with an Internet connection. You could easily run a business like this in your spare time. You don’t have to buy your stock in bulk, store it, or even post it. The focus of your online business will be advertising and promotion. Almost everything else will be taken care of by your chosen dropshipping company.First you need to choose a product. Probably the best thing to sell is something that you’re interested in, this way, you’ll easily spot a niche in your chosen market, you’ll know how much profit you can make, and more importantly you’ll know how to sell the item.Finding dropshippers can sometimes be quite difficult, although dropshipping in the US is huge, the practice in the UK is still relatively new. Directories with lists of dropshippers are often filled with broken and irrelevant links. Try "The Dropshippers" for a free dropshipping list, or su
    ou choose, and again the range of times is enormous, so you really need to think about what your needs are. You might need a long recording time if you're going to be researching 'in the field' for significant lengths of time, with no access to your PC to download files, or if you are recording a conference, especially if you want to use a high quality recording for this, which will mean you have less time. If, however, you are recording notes or dictation, or one-to-one interviews, and can regularly download information onto your PC, there is no need to save vast amounts of data onto the machine. It is probably this factor that creates the biggest price differences, so think carefully and don't buy a machine that gives you hours more time than you need.

    The computer interface is a really important consideration. If you are planning to send the recordings to a transcriptionist to be transcribed you will need to download them onto your PC first. They can then either be emailed (if small enough, see file type section), transferred by FTP, or in some cases, including my company Penguin Transcription, sent using a file-sending box on the transcriptionist's website. Even if you plan to transcribe the files yourself it is a tedious business if you have to do this directly from the 'note taker' as recorders that don't have a download interface are sometimes called. Ideally the recorder will link to your PC with a USB interface, usually requiring no extra software or drivers. Alternatively it might link through a port and come with a CD containing the relevant drivers.

    The file type is another very important consideration and is perhaps the one that is most often overlooked. Examples are WAV (uncompressed, great quality but enormous), WMA (Windows Media format, compressed but reasonable quality for voice), DSS (Olympus proprietary transcription file, very compressed but specially designed for voice so good quality). These are just a few examples and you can see details of a wider range of file types in my separate article on this site 'Digital File Types for Audio Transcription'. If you plan to send your files to a transcriptionist for transcription you will ideally want files that are reasonably small and can be emailed, although there are various ways of sending much larger files over the net. WAV files will not only take a long time to send, they will take up a lot of space on your PC, and on your recorder. DSS or DVF files for instance, are much more convenient as they are small and compact, can be emailed without being blocked by the server, and are delivered quickly.

    Editing of recorded voice will probably be more important if you are using the machine to take dictation rather than an interview. When dictating a letter you may want to go back and delete the last few words and replace them with something else. The recorders at the mid to upper end of the price-range usually have this feature but if it's important to you it's worth checking to make sure as they by no means all have it.

    How is the recorder powered? Most recorders are battery powered but if you're gong to be using your recorder significantly it's worth checking that you can use rechargeable batteries, from an environmental and cost perspective! It's also a consideration if dimensions are important to you. In particular the batteries can add considerably to the weight. Most modern recording machines are fairly light and quite discreet though. If weight is a concern make sure that the weight listed includes the batteries.

    Whether or not the recorder has a microphone jack is an important consideration, as is the quality of mike that it allows you to plug in. Really for anything but one-person dictation an external microphone is a necessity. Recording an interview with only the machine's internal microphone is likely to give disappointing results. A poor recording will lead, at

    3 Reasons Why 3-Way Calling To Your Upline Breeds Failure In Your MLM Prospecting
    According to the direct Sales Association approximately seven hundred and fifty thousand new people join network marketing companies every single year - that's over two thousand people every day. They join in industries as diverse as telecom, nutrition, merchant services, and legal services.And every year, there are thousands of new individuals going through the usual MLM pitfalls. Nine out of ten people fail within their first 90 days of business. They might as well make a large donation to these MLM companies - open up their entire bank account to them.They're failing not for a lack of efforts, commitment, or consistency - they're hard working people. So what's the problem? These new comers are failing because they are not being provided adequate MLM support and training on how to market a product or service in this industry.Let's take a look at one of the most common techniques taught for mlm prospecting: the 3-way call.There a
    corders that don't have a download interface are sometimes called. Ideally the recorder will link to your PC with a USB interface, usually requiring no extra software or drivers. Alternatively it might link through a port and come with a CD containing the relevant drivers.

    The file type is another very important consideration and is perhaps the one that is most often overlooked. Examples are WAV (uncompressed, great quality but enormous), WMA (Windows Media format, compressed but reasonable quality for voice), DSS (Olympus proprietary transcription file, very compressed but specially designed for voice so good quality). These are just a few examples and you can see details of a wider range of file types in my separate article on this site 'Digital File Types for Audio Transcription'. If you plan to send your files to a transcriptionist for transcription you will ideally want files that are reasonably small and can be emailed, although there are various ways of sending much larger files over the net. WAV files will not only take a long time to send, they will take up a lot of space on your PC, and on your recorder. DSS or DVF files for instance, are much more convenient as they are small and compact, can be emailed without being blocked by the server, and are delivered quickly.

    Editing of recorded voice will probably be more important if you are using the machine to take dictation rather than an interview. When dictating a letter you may want to go back and delete the last few words and replace them with something else. The recorders at the mid to upper end of the price-range usually have this feature but if it's important to you it's worth checking to make sure as they by no means all have it.

    How is the recorder powered? Most recorders are battery powered but if you're gong to be using your recorder significantly it's worth checking that you can use rechargeable batteries, from an environmental and cost perspective! It's also a consideration if dimensions are important to you. In particular the batteries can add considerably to the weight. Most modern recording machines are fairly light and quite discreet though. If weight is a concern make sure that the weight listed includes the batteries.

    Whether or not the recorder has a microphone jack is an important consideration, as is the quality of mike that it allows you to plug in. Really for anything but one-person dictation an external microphone is a necessity. Recording an interview with only the machine's internal microphone is likely to give disappointing results. A poor recording will lead, at

    Can You Succeed Marketing An Affiliate Based Program?
    Internet Marketing can be an enjoyable and profitable experience, but it can also be very frustrating, time consuming, money draining and anti social.So why do we keep putting ourselves through all this pain?Well, I’m sure that for everyone there is a different answer depending on your driving force, but for me it’s the thought that one day I’ll succeed and make a tidy income. God knows how many ‘Get Rich’ schemes are out there but experience has taught me that 95% of them are simply schemes for making the owner rich and not the affiliate. On the plus side, they do teach you the pitfalls of Internet Marketing and hopefully move you that little further down the line towards your ultimate goal.You may think that this article is simply a moan about the chaos which is ‘Internet Marketing’ but I assure you that’s not the case. My aim is to pass on the good and bad of this type of venture and to hope that I can help someone to avoid the many ob
    of recorded voice will probably be more important if you are using the machine to take dictation rather than an interview. When dictating a letter you may want to go back and delete the last few words and replace them with something else. The recorders at the mid to upper end of the price-range usually have this feature but if it's important to you it's worth checking to make sure as they by no means all have it.

    How is the recorder powered? Most recorders are battery powered but if you're gong to be using your recorder significantly it's worth checking that you can use rechargeable batteries, from an environmental and cost perspective! It's also a consideration if dimensions are important to you. In particular the batteries can add considerably to the weight. Most modern recording machines are fairly light and quite discreet though. If weight is a concern make sure that the weight listed includes the batteries.

    Whether or not the recorder has a microphone jack is an important consideration, as is the quality of mike that it allows you to plug in. Really for anything but one-person dictation an external microphone is a necessity. Recording an interview with only the machine's internal microphone is likely to give disappointing results. A poor recording will lead, at worst, to a poor transcription, and at best to an expensive transcription, as it will take longer to complete! If you are recording a conference you will need more than one mike, or a stereo microphone, as already mentioned.

    Some recorders link with speech recognition software. As yet this type of software is really only of use for one-voice recording e.g. dictation of notes. Even then you will need to spend some time and energy 'training' the software to recognise your voice, and then carefully check the transcript as it will doubtless be ridden with mistakes, especially on homophones (words that sound the same but are spelt differently.) However, if you are going to use one of these packages then a feature that links your recorder directly to it is a useful addition.

    This list is only the most important features in my opinion for transcription of interviews, dictation, focus groups and conferences. It does not cover the recording of music which requires a much wider frequency range and a number of other specialist considerations, but I hope that it is helpful for those embarking on research that requires transcription.

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