Tips on How to Enjoy a Healthy Diet and Lose Fat Faster

Your first priority when losing weight should be to eat a healthy diet. Of course, exercise is important, but consistently eating the right foods daily should come first. Follow these simple and effective tips to lose fat more easily.

Healthy Fats

Healthy fats are crucial to your weight loss efforts so aim to include healthy fats in most meals. Doing this assists your body to maintain the optimum hormone levels needed for fat burning and muscle-building. Healthy fats will also help to curb your appetite.

Include the following healthy fat foods in your diet: seeds, raw nuts, avocados, egg yolks (from free range, organic eggs), coconut oil and extra virgin olive oil. Grass fed meat is also an excellent source of healthy fats.

Here is a tip to quell your appetite and provide your body with protein, healthy fats and fiber. Try eating a handful of raw nuts half an hour before each meal 3 times daily. Nuts are nutrient dense as well so this simple trick will go a long way to improving your overall diet. Good choices are almonds, walnuts, and pecans.

Quality Protein

Include a quality protein with each snack and meal. High-quality sources include grass-fed meats, raw dairy, and plants sources such as beans and nuts. Protein helps with appetite suppression, which encourages you to ultimately consume fewer calories.

Eating enough protein assists your body to build lean muscle if you are working out. The more lean muscle you have, the greater will be the rate your metabolism runs at.

Eating enough protein at each meal also helps to regulate your blood sugar and insulin levels as protein slows down the breakdown of carbohydrates.

Carbohydrates

While it is not necessary to reduce carbohydrates to extremely low levels, many people do struggle to lose weight because they eat too many refined carbohydrates and sugars.

The sugars in fruits are better because the fiber in the fruits slows your body’s blood sugar response. An exception is fruit juices that are loaded with sugar and stripped of fiber during processing.

Try minimizing your consumption of carbohydrates from processed grains such as pasta, bread, cereals, bagels and so on. If you increase carbohydrate consumption from fruit and vegetables, you will most likely find it easier to shed body fat. This simple step alone can have a noticeable effect.

Follow these tips to a healthier smarter diet that will help you to lose fat more readily and build muscle, all the while providing more energy.

I hope this article helps you on the road to a healthy and hardy body.

Use Skin Whitening Injections for Brighter and Fair Skin

Experts opine that glutathione is the most efficient antioxidant available on the earth, which can clean the liver, help in the detoxification of the body, and help in enhancing the cognitive functioning of the brain. Above all, glutathione is an immensely beneficial ingredient for the skin. Skin whitening injections contain some other important ingredients too, which are beneficial for overall health of the skin. These injections are very popular all over the world and among millions of people because these injections can replenish the skin and provide gorgeous, beautiful look within a short span of time.

General ingredients

These immensely beneficial skin whitening injections are composed of the following ingredients-

• Glutathione

• Alpha-Lipoic Acid

• Epidermal Growth factor

• Kojic Acid

• Ascorbic acid

• Pro Coenzyme Q10

• Multivitamins

• Collagen Natural

• Recombined Stem Cell

Glutathione, along with other ingredients as stated above work as a very potent antioxidant for the human body. Glutathione can drive away all sorts of free radicals from the cell, keeping the immunity system of the human body robust.

Function of the skin whitening injections

Any good quality skin whitening injection can act quickly in the human body, as it can reach in every part of the body within seconds through the circulatory system. Following are the major functions of a good quality skin whitening injection:

• It can prevent hyper pigmentation – It is a condition when the skin produces too much melanin forming an unwanted dark shade on the skin.

• It can increase collagen concentration – Collagen binds the different layers of skin together. Thus, collagen is really important for the skin’s elasticity, and endurance.

• It can increase immunity – Immunity is important for the strength and protection of the body from diseases. In the same way, increased immunity keeps the organs stronger and highly functional.

Benefits at a glance

Among the tons of benefits that a skin whitening injection provides, some benefits are as follows:

• Improves skin complexion and nourishes the skin from within.

• Increases the elasticity and toughness of the skin.

• With the reduced pigmentation, dark patches disappear.

• Abolishes all aging symptoms, like wrinkles and fine lines, and smoothen the skin surface.

• Abolishes dark circles if present under the eye contours.

• Helps to replace the dead cells very quickly.

• Repairs the damaged cells of the skin quickly and effectively.

• Stops acne, pimples, and blemishes.

• Guards the skin against the damaging effects of UV light, like sunburn, and skin cancer.

• Protects the skin from the ill-effects of toxic chemicals and pollutants.

• Helps to control blood sugar and blood pressure levels.

• Eliminates all sorts of sleeping disorders.

• Enhances brain power, like concentration, working ability, thinking power, etc.

Restrictions

People having any physical issues for which they are taking medicines or under treatment should not use these injections. Besides, pregnant women and breast feeders should also avoid these injections. People with any sorts of cardiac issues should also avoid taking these injections.

Dosage

Normally, the skin whitening injections can be applied intravenously (IV) once or twice a week for a period of 1-3 months. Users normally get desired results within that period. Thereafter, the dosages can be reduced to once a month to sustain the attained skin condition.

Popular skin whitening injections are helping millions of people, males and females, all over the world to gain back soft, silky, and fair skin within a few months.

6 Ultimate Discount Travel Tips

We are almost into 2017. And most likely you have made New Year resolutions- exercise, eat healthy, quit smoking, etc. However, travelling more is something that you may want to consider in the New Year. Most people tend not to travel a lot because they think that it is too expensive but the good news is that saving money when you travel is quite simple. In fact, discount travel is now easier than ever before and here are 6 tips to get you started as follows:

1. Engage The Sharing Economy

A few decades ago, travelers had to find accommodation in the yellow pages, book flights at the airport, and plan their itinerary weeks, if not months in advance. Thankfully, those days are long gone with today’s sharing economy offering travelers more options- and competition denotes savings. And while many sharing economy sites have been in existence for years, their growth continues to be phenomenal. For instance, Airbnb boasted slightly over half a million listings two years ago, and now it has over a million. Vacationers can, therefore, put the sharing economy to work for just about anything- from where you sleep to meals, guided tours, transportation etc. Some of the most popular sites include Airbnb, EatWith, BlaBlaCar, and Guided by a Local.

2. Try Budget Airlines

While gas prices may be at their cheapest in years, this does not translate to regular airlines lowering their fares. If anything, they are trying to squeeze in more seats in order to make more money. Thankfully, there are a host of budget airlines such as Air Asia, Wow, and Norwegian Air that fly cheaply from Asia and Europe to the U.S. They do the same thing as regular airlines, flying you between continents, but with no frills and at lower costs. For example, Norwegian Air operates flights from both American coasts to mainland Europe for as little as $150 for a one-way flight. Once there, holiday makers can then find their way to Asia for only $200 one-way. Even more interesting is that Air Asia operates $20 one-way flights around the region and if you need to visit Australia from Asia, a one-way ticket will only set you back $150.

3. Visit Cheaper Destinations

This is really a no-brainer. A weekend stay at a five-star hotel in Paris will definitely cost more than the same trip, to say, Prague. Take advantage of destinations whose economies are underperforming or those that have great exchange rates. Currently, some destinations that may be of interest to travelers include Greece (bad economy), India, Australia, Russia, and Japan (all of which have seen their currencies fall in comparison to the dollar thus making them way more affordable. Admittedly, while the prices in these destinations have not fallen, they have become cheaper owing to the drop in currencies.

4. Book Cheap Tours And Cruises

While it may seem risky, it is advisable to book tours and cruises at the very last minute when tour companies are likely to be desperate in an attempt to fill unsold spots. By waiting until a few weeks to your vacation date or date of travel, you are likely to get upwards of 50% off the price list. With beach vacations, you can also find great deals if you take out a beach vacation guide well in advance of your holiday when companies sell the cheapest accommodation. Also, try using the last minute specials of your preferred tour company if you wish to go for a tour or Cruise Sheet in case of cruises.

5. Visit The Nation’s Time Machine With Your Children

Colonial Yorktown, Jamestown, and Williamsburg are absorbing discount travel destinations all year-round, as historic interpreters in period costumes help modern families appreciate what life was like before the advent of indoor plumbing, computers, or TVs. For instance, in eighteenth-century Williamsburg, you and your family should find the largest outdoor living history museum where the kids can make bricks in the summer, help weed the gardens in spring, or attend a winter slave couple’s wedding. And if you visit in the summer, you can also go to Water Country USA and Busch Gardens Williamsburg. Families can book a five-day/four-night stay including unlimited admission and accommodations for as little as $700 or less. However, if you schedule your visit in the winter, you are unlikely to have roller coasters but will enjoy fewer crowds and can join holiday celebrations.

6. Mexican Beaches

For beach vacations, all inclusive resorts are always a favorite for many travelers because holiday makers can do what they please, when they want, and there are always numerous organized activities for the kids as well as opportunities for them to make friends as well. Usually, beach vacation guides advertise bargain rates throughout the Caribbean just after Easter all the way to Thanksgiving and then again from mid-December and beyond. Mexican trips can really be a bargain and should provide your children with the ideal opportunity to practice their Spanish and experience a different culture.

For instance, at Allegro Resorts, children can stay and live free of charge up until the 20th of December and then again during the summer months. All inclusive rates for a family of four start at slightly under $160 per night, including meals, kids’ activities, sports, liquor etc. Further, Akumal’s Club Caribe- arguably one of the most popular resorts and which lies south of Cancun but smack in the middle of the Yucatan coast- is replete with prime diving, snorkeling, and plenty of Maya ruins to explore. Here, rates start at under $150 per day, inclusive of parents’ meals. Lastly, Costa Azul (an hour’s drive north of Puerto Vallarta in San Francisco, Mexico) is a soft-adventure resort that is ideal for both pre-teens and teenagers as they can among others, learn how to surf, kayak to hidden coves, trek through jungles, and swim through caves. Room rates for a family of four start at slightly under $100.

Small Business Benefits of Training Employees

Small businesses aspiring for growth need to keep an eye on performance improvement through online business training courses. To measure up to the ever evolving business world, small businesses need new skills to facilitate workforce gains and to generally meet the competent needs of operations in tandem with its competitors.

Small business training for employees provides an additional skill and exposure to the individuals and to the business. It is more flexible and less strenuous to do an online business training course. This consequently improves your company to continue effectively. Most small businesses fail to recognise the beneficial aspects of training its employees. Among many other advantages that come with training are the following benefits:

To Effectively Improve Your Company’s Competence

Training your employees will result in a better customer service, improved business skills, and growth in productivity. This ultimately makes your business more competent and competitive in the market. It is important to always advance the skills of the employees as the business world is dynamic and overly competitive. The direct tragedy of non-trained employees is the incompetence to match up the necessities of a contemporary society. It is important to consider an online business training course if the difficulty is time or cost of doing a recommended training.

Improving Loyalty and Staff Retention

As a business, staff retention is a saving to the business and its future prospects. Employees have their own aspirations for growth and they may want to venture out to look for that satisfaction. However, if the training opportunity is available to them, they find their professional growth in the business and are likely to stay longer. It is a fact that such training will definitely add them new skills and promote their contribution to the business as well as building their self-esteem. Giving them a chance to improve their skills makes them realise that you value them enough to invest in them.

Improved Business Prospects and Profits

The ultimate objective of running a business is to maximise an opportunity to make profits. Training employees makes them more competent and qualified to promote your business in the marketplace. This will have an effect and an increased business means more profits.

Makes Your Business Competitive

Stagnating is the worst effect that can kill your business, so by ensuring that your staff are constantly advancing, you continue to grow in business and remain competitive within the industry. It is expensive and very disorienting to employ new staff. An online business course for your employees can make them more eligible for internal promotions. Unlike new employees, you will have the benefit of a complete and knowledgeable staff for your business, who are people you know and you can trust.

Exposes Business Weaknesses and Skill Gaps

Training makes the business realise what they have been doing wrong and henceforth, the business can more easily identify any skill gaps in the market and even within the existing employees. This will propel your business to work on filling the gaps which will assist the staff to fulfil their role effectively.

Conclusion

Training is therefore a valuable and profound investment for the business. For the many businesses that may not have adequate time, an online business training course would be more appropriate. The staff will have a much higher sense of job satisfaction, which will improve their motivation towards their work and the business generally.

Alternative Financing for Wholesale Produce Distributors

Equipment Financing/Leasing

One avenue is equipment financing/leasing. Equipment lessors help small and medium size businesses obtain equipment financing and equipment leasing when it is not available to them through their local community bank.

The goal for a distributor of wholesale produce is to find a leasing company that can help with all of their financing needs. Some financiers look at companies with good credit while some look at companies with bad credit. Some financiers look strictly at companies with very high revenue (10 million or more). Other financiers focus on small ticket transaction with equipment costs below $100,000.

Financiers can finance equipment costing as low as 1000.00 and up to 1 million. Businesses should look for competitive lease rates and shop for equipment lines of credit, sale-leasebacks & credit application programs. Take the opportunity to get a lease quote the next time you’re in the market.

Merchant Cash Advance

It is not very typical of wholesale distributors of produce to accept debit or credit from their merchants even though it is an option. However, their merchants need money to buy the produce. Merchants can do merchant cash advances to buy your produce, which will increase your sales.

Factoring/Accounts Receivable Financing & Purchase Order Financing

One thing is certain when it comes to factoring or purchase order financing for wholesale distributors of produce: The simpler the transaction is the better because PACA comes into play. Each individual deal is looked at on a case-by-case basis.

Is PACA a Problem? Answer: The process has to be unraveled to the grower.

Factors and P.O. financers do not lend on inventory. Let’s assume that a distributor of produce is selling to a couple local supermarkets. The accounts receivable usually turns very quickly because produce is a perishable item. However, it depends on where the produce distributor is actually sourcing. If the sourcing is done with a larger distributor there probably won’t be an issue for accounts receivable financing and/or purchase order financing. However, if the sourcing is done through the growers directly, the financing has to be done more carefully.

An even better scenario is when a value-add is involved. Example: Somebody is buying green, red and yellow bell peppers from a variety of growers. They’re packaging these items up and then selling them as packaged items. Sometimes that value added process of packaging it, bulking it and then selling it will be enough for the factor or P.O. financer to look at favorably. The distributor has provided enough value-add or altered the product enough where PACA does not necessarily apply.

Another example might be a distributor of produce taking the product and cutting it up and then packaging it and then distributing it. There could be potential here because the distributor could be selling the product to large supermarket chains – so in other words the debtors could very well be very good. How they source the product will have an impact and what they do with the product after they source it will have an impact. This is the part that the factor or P.O. financer will never know until they look at the deal and this is why individual cases are touch and go.

What can be done under a purchase order program?

P.O. financers like to finance finished goods being dropped shipped to an end customer. They are better at providing financing when there is a single customer and a single supplier.

Let’s say a produce distributor has a bunch of orders and sometimes there are problems financing the product. The P.O. Financer will want someone who has a big order (at least $50,000.00 or more) from a major supermarket. The P.O. financer will want to hear something like this from the produce distributor: ” I buy all the product I need from one grower all at once that I can have hauled over to the supermarket and I don’t ever touch the product. I am not going to take it into my warehouse and I am not going to do anything to it like wash it or package it. The only thing I do is to obtain the order from the supermarket and I place the order with my grower and my grower drop ships it over to the supermarket. ”

This is the ideal scenario for a P.O. financer. There is one supplier and one buyer and the distributor never touches the inventory. It is an automatic deal killer (for P.O. financing and not factoring) when the distributor touches the inventory. The P.O. financer will have paid the grower for the goods so the P.O. financer knows for sure the grower got paid and then the invoice is created. When this happens the P.O. financer might do the factoring as well or there might be another lender in place (either another factor or an asset-based lender). P.O. financing always comes with an exit strategy and it is always another lender or the company that did the P.O. financing who can then come in and factor the receivables.

The exit strategy is simple: When the goods are delivered the invoice is created and then someone has to pay back the purchase order facility. It is a little easier when the same company does the P.O. financing and the factoring because an inter-creditor agreement does not have to be made.

Sometimes P.O. financing can’t be done but factoring can be.

Let’s say the distributor buys from different growers and is carrying a bunch of different products. The distributor is going to warehouse it and deliver it based on the need for their clients. This would be ineligible for P.O. financing but not for factoring (P.O. Finance companies never want to finance goods that are going to be placed into their warehouse to build up inventory). The factor will consider that the distributor is buying the goods from different growers. Factors know that if growers don’t get paid it is like a mechanics lien for a contractor. A lien can be put on the receivable all the way up to the end buyer so anyone caught in the middle does not have any rights or claims.

The idea is to make sure that the suppliers are being paid because PACA was created to protect the farmers/growers in the United States. Further, if the supplier is not the end grower then the financer will not have any way to know if the end grower gets paid.

Example: A fresh fruit distributor is buying a big inventory. Some of the inventory is converted into fruit cups/cocktails. They’re cutting up and packaging the fruit as fruit juice and family packs and selling the product to a large supermarket. In other words they have almost altered the product completely. Factoring can be considered for this type of scenario. The product has been altered but it is still fresh fruit and the distributor has provided a value-add.

Health Benefits Of Himalaya Purim

Our liver is a perplexing and essential organ of the body which performs more than 500 capacities. These functions incorporate the generation of bile, which helps us process our sustenance. The liver is additionally in charge of ingestion of fats, other necessary supplements like Vitamins A, D, E and K. It additionally goes about as a channel for harmful concoction substances which enter our body, similar to meds, liquor and other waste items that originated from our blood. Another vital liver capacity includes creating critical proteins that help our blood coagulation to help in quicker twisted recuperating.

When it can’t deal with the measure of poisons in our body, our liver begins to break down, and we encounter manifestations of liver ailment, such as yellowing of the eyes and skin (jaundice) as a rule related to hepatitis, dim shaded pee, effortlessly wounded skin, tingling, dark-hued stools, unusual liquid maintenance in the midriff, and notwithstanding heaving blood or going into a state of unconsciousness.

A portion of the viable approaches to deal with our liver is to watch the nourishment which we consume and the supplements which help keep up this exceptionally necessary interior organ. One known supplement which contains homegrown cures from nature and prepared to utilize progressed pharmacological procedures is the Himalaya Purim, a detoxifier which comes in tablet frame.

Fabricated and circulated by Himalaya Herbals Healthcare, Purim tablets are produced using home grown equations which purge the blood and help dispose of harmful substances from our body. Purim is a hepatic stimulant. This implies it helps the liver in playing out its employment of purging poisons that go into our framework from the sustenance we eat, liquor we drink, and the medicine that we take like any other Himalaya product.

Expulsion of poisons from the body likewise advances quicker mending of wounds brought about by injuries. Since Purim is a detoxifier, it likewise has purgative properties that guide in the treatment of worm and other comparative parasitic invasions.

The detoxifying way of Purim tablets likewise have the additional advantage of clearing up skin contaminations, including intense and unending dermatitis (irritation of the skin which causes tingling, redness, swelling and rankles); skin inflammation (severe skin inflammation); hyperpigmentation (changes in skin shading brought on by endless dermatitis), and rosacea (a long haul skin malady portrayed by redness and pimples).

Purim tablets are made out of a polyherbal definition, which implies it is gotten from a blend of different recuperating plants in light of the standards of an Ayurvedic solution, an old Eastern (Indian) type of mending. These plant’s changing properties have been contemplated and subjected to clinical trials in connection with their capacity to expel polluting influences.

Fixings in Purim tablets incorporate turmeric (a herb that cleans the blood and recuperates wounds); bob chi seeds (keeps skin stable and brilliant); neem (a well-known detoxifying plant in India which advances circulatory, stomach related, respiratory and urinary wellbeing); ruler sharp flavoring (decontaminates the blood, detoxifies the liver, and enhances the invulnerable framework); Guduchi (a restoring tonic which supports the resistant structure); Hari take (a sanitizing laxative and expectorant), and false dark pepper (a mellow diuretic which helps processing and is generally used to keep skin sound).

Purim tablets arrived in a 120-veggie lover container bottle and can be acquired online through the Himalaya Herbal Healthcare site, and other online homegrown wellbeing stores. It has no known symptoms given its every characteristic fixing. It is still best, notwithstanding, to counsel your specialist to recommend the best measurements for you.

Benefits of Custom Built Homes

Custom built homes are ones that you design and have built to your specifications and needs. For some, buying an already existing home is fine because it suits their needs. Others want to add their own special touches so they choose a home that is custom built. There are a number of benefits to custom built homes.

• The home can be completely personalized, which is why many choose this type of home. The buyer can have a say in every phase of the building process so they can have a tailor-made home. You get to choose the layout of the rooms, the sizes of the rooms, how many bathrooms, and bedrooms you need, color of wall paint, countertops, appliances, and more. Although custom built homes are more expensive you will have the satisfaction of investing in a home that suits them and you do not have to deal with the choices a previous owner made. You also do not have to spend money on upgrading your home.

• If there is a new subdivision that is being built, choosing a home here will allow you to build as you want. You can also watch as other homes are built and more people move into the area. If you purchase acreage, you can build it as large or small as you want and it gives you a chance to live in a remote area with very few neighbors.

• There are also lower maintenance costs as owners of brand new home generally spend fourteen dollars less per square foot that one that bought a ready-made home for routine maintenance. For example custom built homes with two-thousand five hundred square feet, they could save an extra three hundred twenty-six dollars a year.

• Custom built homes are easier to build that are totally energy efficient than ones where you purchase energy efficient windows and appliances. There are even tax breaks you can receive when building energy efficient homes.

• Custom built homes are one of a kind. No one else in the subdivision will have a home exactly like yours because it is built according to your choices and taste.

• If there are any special needs such as planning to retire and live in your home until your death, you can have the home built on one level with minimum stairs. This will help when you are older and find climbing steps hard or you have someone in a wheel chair and need wider doorways and counters that they can work on, or lower sinks.

• The maintenance on custom built homes there is less required because you have a home with new everything, including appliances, heating and air conditioning systems, floors, etc.

Best in Class Finance Functions For Police Forces

Background

Police funding has risen by £4.8 billion and 77 per cent (39 per cent in real terms) since 1997. However the days where forces have enjoyed such levels of funding are over.

Chief Constables and senior management recognize that the annual cycle of looking for efficiencies year-on-year is not sustainable, and will not address the cash shortfall in years to come.
Facing slower funding growth and real cash deficits in their budgets, the Police Service must adopt innovative strategies which generate the productivity and efficiency gains needed to deliver high quality policing to the public.

The step-change in performance required to meet this challenge will only be achieved if the police service fully embraces effective resource management and makes efficient and productive use of its technology, partnerships and people.

The finance function has an essential role to play in addressing these challenges and supporting Forces’ objectives economically and efficiently.

Challenge

Police Forces tend to nurture a divisional and departmental culture rather than a corporate one, with individual procurement activities that do not exploit economies of scale. This is in part the result of over a decade of devolving functions from the center to the.divisions.

In order to reduce costs, improve efficiency and mitigate against the threat of “top down” mandatory, centrally-driven initiatives, Police Forces need to set up a corporate back office and induce behavioral change. This change must involve compliance with a corporate culture rather than a series of silos running through the organization.

Developing a Best in Class Finance Function

Traditionally finance functions within Police Forces have focused on transactional processing with only limited support for management information and business decision support. With a renewed focus on efficiencies, there is now a pressing need for finance departments to transform in order to add greater value to the force but with minimal costs.

1) Aligning to Force Strategy

As Police Forces need finance to function, it is imperative that finance and operations are closely aligned. This collaboration can be very powerful and help deliver significant improvements to a Force, but in order to achieve this model, there are many barriers to overcome. Finance Directors must look at whether their Force is ready for this collaboration, but more importantly, they must consider whether the Force itself can survive without it.

Finance requires a clear vision that centers around its role as a balanced business partner. However to achieve this vision a huge effort is required from the bottom up to understand the significant complexity in underlying systems and processes and to devise a way forward that can work for that particular organization.

The success of any change management program is dependent on its execution. Change is difficult and costly to execute correctly, and often, Police Forces lack the relevant experience to achieve such change. Although finance directors are required to hold appropriate professional qualifications (as opposed to being former police officers as was the case a few years ago) many have progressed within the Public Sector with limited opportunities for learning from and interaction with best in class methodologies. In addition cultural issues around self-preservation can present barriers to change.

Whilst it is relatively easy to get the message of finance transformation across, securing commitment to embark on bold change can be tough. Business cases often lack the quality required to drive through change and even where they are of exceptional quality senior police officers often lack the commercial awareness to trust them.

2) Supporting Force Decisions

Many Finance Directors are keen to develop their finance functions. The challenge they face is convincing the rest of the Force that the finance function can add value – by devoting more time and effort to financial analysis and providing senior management with the tools to understand the financial implications of major strategic decisions.

Maintaining Financial Controls and Managing Risk

Sarbanes Oxley, International Financial Reporting Standards (IFRS), Basel II and Individual Capital Assessments (ICA) have all put financial controls and reporting under the spotlight in the private sector. This in turn is increasing the spotlight on financial controls in the public sector.

A ‘Best in Class’ Police Force finance function will not just have the minimum controls to meet the regulatory requirements but will evaluate how the legislation and regulations that the finance function are required to comply with, can be leveraged to provide value to the organization. Providing strategic information that will enable the force to meet its objectives is a key task for a leading finance function.

3) Value to the Force

The drive for development over the last decade or so, has moved decision making to the Divisions and has led to an increase in costs in the finance function. Through utilizing a number of initiatives in a program of transformation, a Force can leverage up to 40% of savings on the cost of finance together with improving the responsiveness of finance teams and the quality of financial information. These initiatives include:

Centralization

By centralizing the finance function, a Police Force can create centers of excellence where industry best practice can be developed and shared. This will not only re-empower the department, creating greater independence and objectivity in assessing projects and performance, but also lead to more consistent management information and a higher degree of control. A Police Force can also develop a business partner group to act as strategic liaisons to departments and divisions. The business partners would, for example, advise on how the departmental and divisional commanders can meet the budget in future months instead of merely advising that the budget has been missed for the previous month.

With the mundane number crunching being performed in a shared service center, finance professionals will find they now have time to act as business partners to divisions and departments and focus on the strategic issues.

The cultural impact on the departments and divisional commanders should not be underestimated. Commanders will be concerned that:

o Their budgets will be centralized
o Workloads would increase
o There will be limited access to finance individuals
o There will not be on site support

However, if the centralized shared service center is designed appropriately none of the above should apply. In fact from centralization under a best practice model, leaders should accrue the following benefits:

o Strategic advice provided by business partners
o Increased flexibility
o Improved management information
o Faster transactions
o Reduced number of unresolved queries
o Greater clarity on service and cost of provision
o Forum for finance to be strategically aligned to the needs of the Force

A Force that moves from a de-centralized to a centralized system should try and ensure that the finance function does not lose touch with the Chief Constable and Divisional Commanders. Forces need to have a robust business case for finance transformation combined with a governance structure that spans operational, tactical and strategic requirements. There is a risk that potential benefits of implementing such a change may not be realized if the program is not carefully managed. Investment is needed to create a successful centralized finance function. Typically the future potential benefits of greater visibility and control, consistent processes, standardized management information, economies of scale, long-term cost savings and an empowered group of proud finance professionals, should outweigh those initial costs.

To reduce the commercial, operational and capability risks, the finance functions can be completely outsourced or partially outsourced to third parties. This will provide guaranteed cost benefits and may provide the opportunity to leverage relationships with vendors that provide best practice processes.

Process Efficiencies

Typically for Police Forces the focus on development has developed a silo based culture with disparate processes. As a result significant opportunities exist for standardization and simplification of processes which provide scalability, reduce manual effort and deliver business benefit. From simply rationalizing processes, a force can typically accrue a 40% reduction in the number of processes. An example of this is the use of electronic bank statements instead of using the manual bank statement for bank reconciliation and accounts receivable processes. This would save considerable effort that is involved in analyzing the data, moving the data onto different spreadsheet and inputting the data into the financial systems.

Organizations that possess a silo operating model tend to have significant inefficiencies and duplication in their processes, for example in HR and Payroll. This is largely due to the teams involved meeting their own goals but not aligning to the corporate objectives of an organization. Police Forces have a number of independent teams that are reliant on one another for data with finance in departments, divisions and headquarters sending and receiving information from each other as well as from the rest of the Force. The silo model leads to ineffective data being received by the teams that then have to carry out additional work to obtain the information required.

Whilst the argument for development has been well made in the context of moving decision making closer to operational service delivery, the added cost in terms of resources, duplication and misaligned processes has rarely featured in the debate. In the current financial climate these costs need to be recognized.

Culture

Within transactional processes, a leading finance function will set up targets for staff members on a daily basis. This target setting is an element of the metric based culture that leading finance functions develop. If the appropriate metrics of productivity and quality are applied and when these targets are challenging but not impossible, this is proven to result in improvements to productivity and quality.

A ‘Best in Class’ finance function in Police Forces will have a service focused culture, with the primary objectives of providing a high level of satisfaction for its customers (departments, divisions, employees & suppliers). A ‘Best in Class’ finance function will measure customer satisfaction on a timely basis through a metric based approach. This will be combined with a team wide focus on process improvement, with process owners, that will not necessarily be the team leads, owning force-wide improvement to each of the finance processes.

Organizational Improvements

Organizational structures within Police Forces are typically made up of supervisors leading teams of one to four team members. Through centralizing and consolidating the finance function, an opportunity exists to increase the span of control to best practice levels of 6 to 8 team members to one team lead / supervisor. By adjusting the organizational structure and increasing the span of control, Police Forces can accrue significant cashable benefit from a reduction in the number of team leads and team leads can accrue better management experience from managing larger teams.

Technology Enabled Improvements

There are a significant number of technology improvements that a Police Force could implement to help develop a ‘Best in Class’ finance function.

These include:

A) Scanning and workflow

Through adopting a scanning and workflow solution to replace manual processes, improved visibility, transparency and efficiencies can be reaped.

B) Call logging, tracking and workflow tool

Police Forces generally have a number of individuals responding to internal and supplier queries. These queries are neither logged nor tracked. The consequence of this is dual:

o Queries consume considerable effort within a particular finance team. There is a high risk of duplicated effort from the lack of logging of queries. For example, a query could be responded to for 30 minutes by person A in the finance team. Due to this query not being logged, if the individual that raised the query called up again and spoke to a different person then just for one additional question, this could take up to 20 minutes to ensure that the background was appropriately explained.

o Queries can have numerous interfaces with the business. An unresolved query can be responded against by up to four separate teams with considerable delay in providing a clear answer for the supplier.

The implementation of a call logging, tracking and workflow tool to document, measure and close internal and supplier queries combined with the set up of a central queries team, would significantly reduce the effort involved in responding to queries within the finance departments and divisions, as well as within the actual divisions and departments, and procurement.

C) Database solution

Throughout finance departments there are a significant number of spreadsheets utilized prior to input into the financial system. There is a tendency to transfer information manually from one spreadsheet to another to meet the needs of different teams.

Replacing the spreadsheets with a database solution would rationalize the number of inputs and lead to effort savings for the front line Police Officers as well as Police Staff.

D) Customize reports

In obtaining management information from the financial systems, police staff run a series of reports, import these into excel, use lookups to match the data and implement pivots to illustrate the data as required. There is significant manual effort that is involved in carrying out this work. Through customizing reports the outputs from the financial system can be set up to provide the data in the formats required through the click of a button. This would have the benefit of reduced effort and improved motivation for team members that previously carried out these mundane tasks.

In designing, procuring and implementing new technology enabling tools, a Police Force will face a number of challenges including investment approval; IT capacity; capability; and procurement.

These challenges can be mitigated through partnering with a third party service company with whom the investment can be shared, the skills can be provided and the procurement cycle can be minimized.

How to Use Apple Cider Vinegar for Weight Loss

Apple cider vinegar is prepared by the fermentation of apple juice. It is a natural remedy for a variety of health issues and has been resorted to for years. It has a lot to offer when it comes to weight loss- helps break down the complex fats and carbohydrates; reduces blood sugar level and cholesterol; reduces the food cravings; aids in digestion and body detox.

It is a low-calorie natural supplement with various nutrients and active ingredients- minerals, vitamins, soluble fibers, antioxidants and natural acids and enzymes- that helps to deal with obesity. It is prudent to know that apple cider vinegar in its concentrated (undiluted) form is a strong acid that should never be consumed raw. Our esophagus tube (food pipe) is not equipped to handle the same and can get severely damaged. Hence, it makes sense to dilute it with water so that the intensity comes down. Also, it is important to monitor the dosage regularly. Start with 5-10 ml per day and gradually increase it up to 30 ml (2 tablespoons) per day. Going beyond 30 ml is generally not recommended.

Let us discuss how Apple Cider Vinegar will help you to lose some weight and change your life for good:

• Helps to reduce Cholesterol level

Bile is a viscous yellowish liquid produced by the liver that helps to break down the dietary fats and to dispose off the leftover cholesterol and other toxins from the liver. Poor bile production hampers the liver activity which may result in accumulation of fats and cholesterol to cause obesity. Consuming one tablespoon of apple cider vinegar early in the morning kick-starts the bile production to promote fat breakdown and cholesterol decomposition.

• Lowers the blood sugar level

A spike in the blood sugar level increases the cravings for snacks and unhealthy processed foods which is a big turn off if you are trying to shed a few pounds. According to a study published in the Journal of Functional Foods, apple cider vinegar helps to lower the blood sugar level. The participants who drank 8 ounces of water (mixed with vinegar) prior to the meals recorded low levels of blood sugar than those who didn’t.

• Aids in blocking Carbohydrates (starch)

Gone are the days, when it was believed that carbohydrates are bad for health. The new age of dieticians recommends consumption of carbohydrates on a regular basis to ensure a balanced diet.

The starch contained in carbohydrates has a tendency to quickly convert into glucose and stimulate the release of insulin in the body. The insulin triggers the storage of glucose in the form of fat. Hence, eating starchy food pushes your body into the fat storage mode.

How is apple cider vinegar going to help here?

The acetic acid content in the vinegar interferes with the body’s ability to digest starch. It helps to reduce the storage of glucose in the form of fat. Over a period of time, this starch blockage activity would definitely have an effect on the body weight.

• Promotes a healthy digestive system

Your gut contains trillions of probiotics (healthy bacteria) that helps to break-down the complex food particles; combat the growth of disease causing microbes and regulates the immune system. Apple cider vinegar acts as a catalyst for these probiotics. The probiotics feed on the pectins contained in apple cider vinegar for growth and development. Hence, apple cider vinegar helps to maintain an optimum gut flora for smooth digestion and body metabolism.

• Suppresses the appetite

Apple cider vinegar contains pectins- a type of soluble fibers which provides a feeling of fullness to suppress the appetite for all the good reasons.

• It acts as a mild laxative and diuretic in nature

Apple cider vinegar acts as a mild laxative to accelerate the elimination process and ensure regular bowel movements. Also, it has a diuretic effect to release the excess stored water from the body.

• Promote body detox

Body detoxification refers to the thorough cleansing of the body to get rid of accumulated body wastes- undigested food, cholesterol, saturated fats and disease causing microbes. Due to unhealthy diet and poor lifestyle habits, the body metabolism gets slow down and piling up of body toxins starts. The combined effect of the sluggish body metabolism and accumulated body toxins would result in obesity. Apple cider vinegar is a detoxifying elixir- natural and safe. It promotes digestion, speed up the body metabolism, relieves constipation and excretes excess water from your body to detoxify your body from inside.

How to Consume Apple Cider Vinegar

Add 1-2 teaspoon (5-10 ml) of raw apple cider vinegar in one glass (250 ml) of water, stir well and drink it before the meals. If it causes temporary heartburn or irritation, simply dilute it with more water. You may mix it with your juice or other beverages as well. Some people prefer to sprinkle over the salads and other food preparations as per their taste.

The maximum, optimum dosage per day is 30 ml.

Precautionary measures and possible side effects

In general, apple cider vinegar is a natural, safe drink for people of all ages. Do consider below safety measures to get the best benefits:

• Avoid drinking it as the first thing in the morning- empty stomach- as it may irritate the gut lining and cause burning sensation.

• Dilute it enough- one teaspoon in one glass of water seems a good ratio.

• Due to acid content, over consumption of apple cider vinegar can damage the esophagus tube and tissues. Also, it can cause hypokalemia- a condition when the potassium in the blood falls below the required level.

• Don’t forget to rinse your mouth well after drinking apple cider vinegar otherwise the acid in vinegar can erode the tooth enamel. Also, it can cause yellow staining on the teeth.

• During the initial few days of consumption, you may experience temporary symptoms such as diarrhea, stomach cramp, heartburn or headache. In majority of the cases, these symptoms would fade away within a few days. If the symptoms persist, stop consuming it and discuss with a health expert

• Pregnant ladies, nursing women and people with chronic health conditions should consult their doctors before consuming it.

In short, start slow- with small quantity and gradually increase it up to 2 tablespoons a day in well diluted form for optimum results.

Final words

Benefits of apple cider vinegar for weight loss are obvious. But, being a natural remedy, it should not be considered as a miracle and it would bring the best results when combined with a healthy, low-calorie diet and positive lifestyle with regular physical workout.

What It Takes to Succeed in the Legal Career

Legal careers and legal jobs are becoming one of the most dynamic and rewarding career choice; as our legal system has become an integral part of our daily lives. Either minor or major, we need legal expertise and guidance for every right that we possess.

We live in an information age, where people are aware of their fundamental rights and duties, so lawyers and other legal professionals must know how to have success for a client. A meaningful law career that solves client’s needs, leads not only to career satisfaction and a sense of achievement; but, it also can result in a high income earning potential.

More and more bright young aspirants are considering law as their prime career choice to become as successful as the lawyers and professionals they idolize. But not all who begin with high hopes succeed. So, what could be the most important qualities to obtain success in a legal career and the legal profession?

In his book, The Science of Getting Rich, Wallace Wattles notes that those who “thinks in a certain way” will succeed pure and simple. Hence, let’s take a look at the things that successful legal professionals embrace. If you do these things in that same way that the successful legal practitioner does, you will, in fact, succeed. Here, then, are a few ingredients that will lead to success in any legal job:

Communication: A legal professional is bound to have exemplary communication skills. Communication skills cover your written, oral and listening skills. In the legal profession one has to interview suspects, witnesses, clients and all sorts of people in order to extract any and all information associated to their case; not only that but he also needs to analyze that information on various fronts to verify the veracity of the information received. Therefore, working and improving upon your communication and listening skills is essential to your success in a legal career. Any seminars, books or training devoted to increasing your communication abilities will inevitably lead to success.

Empathic and Rational: Being empathic in the legal profession means the capacity to understand and know emotionally what a client has experienced and the ability to put oneself in clients’ shoes. Note I did not say to be sympathetic. Sympathetic means you feel sorry for your client. Empathy involves the quality of appreciating your client’s situation. At the same time a legal professional should have a rational mind and clear thinking, because as my mother used to say “rule your life with reason.”

Out of the Box thinking: Legal professionals must have the ability to find what is hidden and present the best choices for their clients. Typically, clients are in conflict with an adversary. The creative legal professional can break deadlocks through creative solutions that lead to mutually beneficial solutions

Specialized Knowledge: One needs to have expert knowledge in their area to work in any profession, but in this is especially so in the legal profession. The top legal professional must not only master the legal knowledge of the sector he represents but also he must gain the knowledge vital to the industry itself. As they say – “Hundred men with guns cannot steal as much as a lawyer with his words”, so to choose the right words and phrases one must be knowledgeable. For example, if you are a litigator that represents a company in the oil industry, then you must know every detail of the oil industry to prepare a strong and winning argument for the case; similarly for any client a legal professional must have a thorough knowledge of every detail associated to a client’s work.

Confidentiality: Legal ethics demand strict confidentially with your client. If you cannot observe this basic cannon, then you cannot find success in the legal profession. Maintaining confidentiality is the foremost task of a legal professional. Attorneys, paralegals, legal receptionists, all gain confidential information and it must be kept secret. Violating the attorney client privilege is tantamount to losing a client’s faith, which can be fatal in any legal position.

Commitment: There is a saying that “A Lawyer would do anything to win a case.” Commitment is required in any and every legal profession. Fighting a case for a client is like treating a patient; clients in the legal world have just one expectation of ‘success’ and to fulfill it, one must be committed to his work. Most of the famous and highly reputed people in legal careers forget about everything else, sometimes they overlook their personal commitments; it’s just 40% what they work at officially and 60% of the unofficial work that makes the difference. Success in the legal profession requires preparation-a lot of time in research and drawing up all the necessary documents. Perseverance is the key; one must be willing to work without any boundaries to time in a legal job.

Diplomatic: It is said rightly that “He is not a lawyer who can’t take two sides”. There are no friends or foes in legal profession; one must say the right words at the right place and the right time. Being diplomatic makes your overall personality favorable, even for those who disagree as to what you say or believe; also, it makes you a good negotiator, which is a routine task in any legal profession. You should be diplomatic if you are trying to find success in legal careers.

Persuasive: Whether a lawyer, attorney, paralegal or a legal assistant everyone in legal the profession should be persuasive. It requires a great amount of skill and practice to persuade a judge, jury or even client to your position. Every client expects their legal consultant to be aggressive, they do not pay you to sleep and be shy; you must learn to persuade to get success in legal careers.

Patience: You need to be patient in order to be successful in legal profession. If you don’t succeed at first, try again; you will not get your way the first time around. You will need to write letter after letter, draft motion after motion, in order to succeed for your clients. Practicing a legal job requires a lot of waiting. Waiting around courthouses for your case to be called. Waiting around for decisions on appeals to be handed down. It is said rightly that – “If you are a legal professional, either you will learn to wait or you will simply grow old before time.”

Last, but not the least, Love of argument: Legal professionals debate constantly; with courts, with adversaries, with companies and even with their own clients and associates. If you love to advance your position, not just occasionally or at work but day in and day out, and if you are difficult to beat in arguments; then you definitely have what it takes to excel in legal careers.