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Why George Ammar is so much more than a regular accountant

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As the saying goes, it’s never wise to judge an individual by their looks. In much the same way, it’s never a good idea to judge an individual by their profession. To discover why George Ammar is so much much more than his title as an accountant, simply continue reading to discover George Ammar’s incredible story.

Why George Ammar is so much more than a regular accountant:

  1. George S. Ammar has always strived to achieve his goals

While some individuals are perfectly happy to live from day to day without giving too much thought or energy to achieving their goals, George Ammar has always been a driven, hard-working individual who prizes resilience and dedication.

As a result, Ammar was able to tick off one of his major goals in life, right after graduating college. What was the goal which Ammar reached so quickly? Ammar reached his goal of becoming a certified accountant and becoming CPA certified. A goal which normally takes individuals far longer to achieve.

  1. George S. Ammar is a modern day jack of all trades and is also an accomplished businessman as well as a highly regarded accountant

As well as being one of the highest rated accountants in Cleveland Ohio’s directory, George S. Ammar also has the distinction of being able to call himself a fully fledged business owner.

After serving his city of Cleveland as a professional accountant for over a decade, Ammar decided to go into business for himself and to launch his very own accountancy business, which he named Ohio CFO LLC. While being an accountant made the day to day operations of running his own accountancy firm easier, Ammar still had to contend with a wide variety of challenges associated with founding a brand new company for the first time.

However, as Ammar was not afraid of tackling a steep learning curve or of hard work, Ohio CFO LLC quickly became one of the most trusted accountancy firms in Cleveland, Ohio.

  1. Ammar became an inspiration to his community when he started to inspire those around him to lead healthier lifestyles

As Ammar is a modern day Jack of all trades, you shouldn’t be surprised at this point to learn that Ammar continues to inspire his community when he’s off duty. Ammar is frequently spotted around his community working out at the gym and engaging in fun-filled physical pursuits such as running, hiking and cycling and is passionate about being an advocate for healthy living.

As well as working out on a daily basis, George S. Ammar also does his best to consume a healthy, nutritious, balanced diet and advises his family, friends, and clients to do the same. As George Ammar is passionate about helping Cleveland locals to live their best possible lives.

So next time you’re tempted to judge an accountant’s character by their job description, stop and realize that each individual is unique and should not be judged by their job role. As there are many different sides to each individual and that some accountants such as George S. Ammar boast incredible, inspiring life stories.

Why it’s well worth hiring Dr. Karl Jawhari

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If you’re looking for a new doctor, continue reading to discover why you may want to consider hiring Dr. Karl Jawhari as your next, long term doctor!

Why it’s well worth hiring the professional services of Dr. Karl Jawhari :

  1. Dr. Karl Jawhari has established an excellent reputation as being one of the nation’s top doctors

When it comes to selecting a reputable doctor, you can’t go wrong selecting a doctor who has already established a reputation for being an outstanding doctor. An example, of a doctor with a stellar reputation, is Dr. Jawhari who

  1. Dr. Jawhari is an amiable, down to Earth doctor who’ll put your mind at ease and won’t treat you like a simpleton

If you hate visiting doctors and often feel uncomfortable sitting in a doctor’s office, it’s well worth hiring Dr. Jawhari as your doctor as he is an amiable, highly likable doctor, who won’t make you feel like you’re sitting in a principal’s office. Or going to be judged harshly for your diet and lifestyle. Instead, Dr. Jawhari will focus on giving you reasonable practical advice on how to be as healthy as you possibly can.

So if you’re looking for a doctor who’ll treat you as an equal and who’ll never dream of talking down to you, because you don’t have a medical degree, it’s well worth booking your very first appointment with Dr. Karl Jawhari.

  1. Dr. Karl Jawhari has practiced medicine for over a decade

If your primary objective when it comes to hiring a doctor is to choose a doctor who boasts a wealth of practical experience as a working doctor, it’s a wise idea to choose a doctor such as Dr. Jawhari who has practiced medicine for well over a decade.

  1. Dr. Jawhari boasts a sizeable client base

Another reason why Dr. Karl Jawhari is an excellent candidate to be your next doctor is that he already boasts a sizeable client base. Which means that there are dozens of clients who are already satisfied with his services and who return to Dr. Jawhari for medical advice on a frequent, long-term basis.

  1. Dr. Karl Jawhari offers competitive rates

While you probably don’t want to hire a doctor who offers rock-bottom prices and whom probably lacks valuable long-term experience or a decent client base, at the same time you don’t want to select a doctor whose rates are so high that you’ll be put off booking an appointment when you’re ill and in need of treatment. As in many cases, the sooner your condition is correctly diagnosed, the sooner your doctor will be able to successfully treat your condition before it can worsen and become a potentially serious problem.

  1. Dr. Jawhari makes a great doctor for children as well as adults

As well as catering to adult patients Dr. Jawhari also offers his services to families with young children, who are in search for a great family doctor. Whom the whole family can turn to for their medical needs.

So whether you’re currently on the search for a new doctor for yourself or are looking to hire a doctor for your whole family it’s well worth getting in touch with Dr. Jawhari!

Winter weddings: Stephen Varanko III debunks the biggest myths

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As we all know, there are some “definite” months when it comes to weddings, and some that “must be avoided”. Usually, the winter months fall into the latter category.

In general, brides and grooms to-be are looking for that picturesque wedding in the middle of summer. They want the guarantee of the weather, and all of the photos without raindrops appearing on the lens.

However, one only has to look at the wedding of Stephen Varanko III to see that this could all be one great myth. Varanko himself was married in winter and it would be fair to say that this debunked a lot of the myths that are associated with this type of ceremony.

Myth #1 – The ceremony can’t be held outdoors

This first myth is probably expected. After all, which couple are going to risk their ceremony being held outdoors when the chances of rain, snow and general coldness are sky high?

Well, advancements in the wedding industry means that this isn’t as much of an obstacle as it once was. Nowadays, couples can take advantage of heat lamps, tents and all sorts of other items to make everything a little warmer and more undercover. Sure, it might be a little more expensive than something in a readymade venue, but to suggest it is completely impossible is a gross exaggeration.

Myth #2 – The wedding dress has to be long-sleeve

Like most of the myths that we cover through the guide, most of you won’t be surprised to read this next one. The general consensus is that it’s far too cold for a short-sleeve dress, so why would any bride put themselves through that sort of pain?

Unfortunately, if you do opt for the short-sleeve dress, there are going to be occasions where you are shivering. On a more positive note, these occasions are going to be few and far between. In other words, the amount of time that you actually spend outside is pretty short. You’ll need a little time for photos, but overall most of the ceremony is going to be hosted indoors.

This should be something that you keep in mind to ensure that the weather is not going to be what dictates the choice of your dress.

Myth #3 – Most guests won’t like a winter wedding

There are two ways of answering this next myth. Firstly, if your guests aren’t a fan of the winter, then it’s their problem. After all, this is your wedding and they should be happy for you as a couple.

The second way of looking at this myth is that most guests become tired of the same routine that is now associated with weddings around the country. They know the drill; they know exactly what a summer wedding includes and it’s become almost boring.

A winter wedding at least gives them something different. Whether it’s the photos that are taken, or even just the whole atmosphere under those outdoor heaters, it at least provides a bit of variety into their annual wedding calendar.

Struggling to Afford Prescription Drugs?  These Tips Should Help

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Your health insurance plan may or may not cover the cost of prescription drugs.  If you are receiving a health insurance package from your employer, the coverage you receive is dependent upon what your employer is willing to spend, so you may not have prescription drug coverage.  Although you have more control over your coverage if you are purchasing a health insurance plan out of pocket, you still may not be able to afford a plan that offers to cover the cost of medications.

In either of these scenarios, you may be left having to purchase your own prescription medications, which your doctor feels are necessary to treat and/or cure your condition.  However, there is hope for those who do not have prescription drug coverage as part of their health insurance package.  Here are some tips on how to afford the medications you need, even if you have to pay for them out of your own pocket.

Purchase Generic Prescriptions

When you go to the pharmacy with your prescription, the pharmacist will ask you if you have any health insurance, and he will be able to determine if the plan you are on covers prescription drugs.  Be sure to mention that you are willing to forego the name brand prescriptions for a generic brand instead.

Even if you forget to mention that you want a generic version of the prescription, your pharmacist may go ahead and find it for you if he knows you do not have coverage.  He may first call your doctor to confirm that a generic is acceptable to dispense to you, and this will save you a lot of money when you go to pick up your medications.  Do not be afraid of using generic versions of drugs.  They are just as effective as name brand drugs, but they are much more affordable.

State Assistance Programs

Some states offer pharmaceutical assistance programs that can help cover the cost of your prescription drugs, easing the burden on you, especially if you are on long-term medications.

Consider Seeing a Low-Cost or Free Clinic

These clinics are great for those who are uninsured and for those who are hoping to get prescription medications at a discount or even at no cost.  Physicians at clinics are just as effective as a regular doctor, but they are perfect for those who cannot afford expensive medications and medical exams.

Order Your Medications Online or Through the Mail

If you have a chronic condition that requires daily medication, you may want to forego the pharmacy and instead purchase your medications directly from online and mail-order pharmacies, which can provide the same medications at deeply discounted rates.  You can even consider ordering your medication in bulk, storing the extra supplies so that you save money upfront and do not need to worry about reordering your medications sooner rather than later.  Because there are so many options out there, shop around for the best rates, and choose a company that has a good reputation.

Shop Around for Health Insurance

While shopping around for health insurance quotes on sites like medicalhealthinsurancetoday.org, make sure to decipher what exactly is going to be covered under each plan.  Most plans are more expensive because they offer more coverage, but you may be able to find an affordable plan that fits your needs and even provides coverage for medications.

Prescription drugs can be incredibly costly so keep the above tips in mind.

Starting a business as a mom

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Becoming a new mommy is a full-time role, no doubts about that. Very quickly your lifestyle changes, as your number one priority is that little bundle of joy; keeping them safe, well-fed and happy. Your role as ‘Mom’ may be the most important responsibility you take on in your lifetime.

Though the stresses and concerns, it’s reassuring to know that other mommies will be going through the same thing. Yet, if you flip that on its head: anything you miss about pre-baby life, or anything you wish could be different about parenthood, it’s likely lots of other moms feel the same way. Therefore, raising a child can be the perfect springboard for a new business idea.

Pre-baby life: what’s changed for you?

The most successful product innovations, or new businesses, are born from a genuine unanswered need. So ask yourself, what did you used to enjoy before you became a mom, that’s now too difficult, time-consuming or expensive to keep up? It might be a beauty regime, or a food you used to enjoy eating, and perhaps there’s space in the market for a mommy-friendly alternative!

Jacqueline Smith came up with the idea for Palisade because she missed getting manicures; her product allows quick, at-home nail art and now sells at Sephora nationwide. She’s just one of many moms who’ve launched a successful business from home.

Playtime: when does your child laugh the hardest?

There’s no better sound in the world than your baby’s laugh, so naturally you’d want to make them giggle as often as you can! If you’ve found something that your little one finds incredibly entertaining, then perhaps it would be a great addition to a stroller, baby bouncer or seat? Do your research, and use a parent guide to see if any models already have such a feature, if not — draw up some plans and approach a company with the idea.

Caring for your child: what issues do you face?

When it comes to infant and child skincare, moms can face all sorts of unexpected challenges, such as skin irritations and allergies. Sometimes, no products seem to help, and you’re left to search for a solution yourself.

If you’ve found a bizarre method that seems to work — who would have thought oats could soothe skin, before brands like Aveeno came out? — then it’s worth asking your friends to trial out the approach. It’s important to sense-check new ideas with other moms first, and then if they like the product or idea, think about how you can take it further! Why not invite some of your mom friends over and host an informal focus group, to see if they can help you improve the concept even further?

You’re the expert…

Inspiration for a new business can strike at any time. If you’ve got an idea that you think could be a real addition to the market, then why not ask your friends for their opinion? You could follow in the footsteps of some amazing moms who have revolutionized mommy and baby life!

What is Gmail Advertising?

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Most people have a Gmail account or have heard of Gmail. It is the free email service that Google has created and many people have started moving to Gmail accounts due to it being easy to use, coming with great features and being free to use. But how can companies and businesses take advantage of Gmail advertising? We will go through it below and briefly learn how it works.

What Are Gmail Ads?

Similar to most ads you see online, Gmail ads are target based ads that appear based on the user’s activity. You may have recognised it previously when it was called Gmail Sponsored Promotions.

Based on what the user is searching, purchasing, etc., Gmail can target certain users to see specific ads. You may see them pop up randomly in your promotions tab on Gmail or they may just come through and look like a standard email.

These types of ads have had a huge success for many companies compared to other forms of advertisement.

Who uses Gmail Ads?

Most businesses use ads to promote their services and/or goods. More and more of them have starting using Gmail ads due to the sheer number of people that use Gmail on a day to day basis. It has been said that there are more than 900 million active users worldwide.

An example could be Insurance companies. They will pay for their ads to be pushed to the inboxes of people searching insurance online. This will likely increase the chance that their ad is seen and a possible sale.

But Why use Gmail Ads?

A lot of studies have been taken on Gmail ads, either by individuals who are intrigued or businesses who want to try it. From the studies, we have seen, Gmail ads work and are bringing a lot of business to companies using them.

The company can select a target audience, a keyword, a specific search, and that will trigger the ad to be displayed. Most of the time, the ad will be clicked, and in some cases, the user will read the ad and go ahead with what is being advertised.

Looking back on the 900 million active users worldwide, you can probably see why it has become a popular way to advertise.

Getting Your Ads Seen

If you are reading this and thinking Gmail ads could be a great addition to your company, then give it a go.

If you use other online ads, it is very similar. You start by naming you campaign and setting the budget. It will ask locations/languages you want to target and avoid as well as other targeting details. You will also be able to set up automatic bidding, meaning you are essentially outbidding a competitor. If you win, your ad gets shown; if not, move onto the next target.

Gmail ads slowly become a very popular way to advertise. Many smaller businesses are boosting their online sales income as well as the larger businesses. It just requires some strategy when setting it up.

A Guide to Avoiding Safety Deposit Box Mishaps

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For the modern urban dweller, a safety deposit box is probably the safest place to keep valuable items, especially essential documents, such as land title deeds, insurance policies and, of course, birth certificates. The system works by two separate locks that need different keys, one which is held by the client and one that the security company holds, and the box can only be opened with both keys simultaneously, thus ensuring that the box can never be opened unless the customer is present.

A Unique Key

There is a strict protocol that must be followed, and the customer key that comes with the security box is indeed the only one is existence, and furthermore, the key cannot be copied, and should the customer lose their key, the only way to get to the contents is to have the lock drilled out, which, of course, must be paid by for the key holder. The key must be kept in a very safe place, and you need to remember where that is. If you are looking for safe storage, Australasian Vaulting Industries has a highly secured safe deposit box in Sydney, and with locations in the suburbs, you won’t have far to go.

The Right Contents

There are certain things that cannot be kept in a safety deposit box, and the security company would certainly give you a list of materials or items that cannot be stored. Ideally, you would store any insurance policies, land title deeds and other important documents, and maybe your passport, if you don’t travel often. Your Last Will & Testament belongs in your safe deposit box, and all of these documents can be photocopied, and then you can leave the originals in the safest place of all, your deposit box. Read several references for more details about what type of items are suitable for a safety deposit box, which might make things clearer.

Power of Attorney

Whatever is in your safety deposit box, it will not be able to be accessed if you were to suddenly pass away, and for this reason, you should give a trusted family member power of attorney, just in case. Valuable company contracts and lease agreements might be stored, and if anything were to happen to you, it could cause many difficulties.

Suitable Location

When you do need to visit your valuables, you shouldn’t have to drive half the day, so try to find an established security company that have premises within a reasonable distance. If you live in a city suburb, the chances are there will be one nearby, and a Google search would be the best way to locate the right provider.

Under Insured

When making enquiries with the security company, ask how much the deposit box is insured for, as the value of your items might well exceed the limit. Typically, a safety deposit box would be automatically insured for $10,000, and there would be policies available for much higher amounts, and while their premises would have state of the art security, you really can’t afford to take any chances.

The security company would be well-versed in their industry, and would be happy to answer any questions you might have, and provided you are careful, your valuable possessions will be in very safe hands.

Factors to Consider When Thinking About Debt Consolidation

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If you are one of the many people who have managed to get into a position where you are unable to make multiple payments, all is not lost. In these times of rising prices and increased needs, it is oh so easy to borrow more than you can afford, and once this happens, there seems little one can do but struggle on. For some people, the answer is to simply ignore the final demand letters and not answer the phone calls, but in all honesty, the problem will not go away, and there one method that can address the issue, and that is debt consolidation.

Debt Consolidation

This has helped thousands of people deal with multiple debts, and it works by merging all a person’s debts into one single monthly payment. There is no “one size fits all” solution, and debt consolidation isn’t the magic answer for everyone, as you must have adequate income to meet the payment, but if you are employed and after calculating everything, can afford a consolidation loan, it could be the best solution. There are online providers who offer loans for debt consolidation, and a simple Google search will bring up a list of possible companies who specialise in helping people with multiple debts.

Suitability

Debt consolidation is not an automatic solution to a multiple debt problem, and if you contact a debt specialist, they would be able to assess your situation and help you to decide what is best. It really boils down to whether or not you are able to make a single monthly payment that might be higher than the total of the multiple payments you are currently making. If, for example, a person has 5 separate debts, and the total they have to repay per month is $600, with debt consolidation, there might be a single monthly payment of $700. Although your total outgoings are more, that one payment might enable you to manage things better, and with some expert advice, you will be in a position to make an informed decision. If you would like some further reading on how to manage debt, there is a useful article online that examines possible solutions. 

Credit History

If you have multiple debts and also have a bad credit history, that doesn’t mean you cannot qualify for a debt consolidation loan. Some online finance companies actually accept those with a less than perfect credit score, and the rate of interest charged would be based upon the applicant’s credit history. There is absolutely nothing to lose by enquiring, and it might be the answer to your problems, although debt consolidation is not suitable for everyone. 

Professional Advice and Guidance

When a person in debt tries to analyse their circumstances, they often find it difficult to see things clearly, yet by enlisting the help of a debt consolidation expert, you might be surprised to learn that there is a way to address the problem. A problem shared is a problem halved and many people have found the ideal solution after discussing their financial situation with an expert, who is able to analyse your situation clearly.

Whatever your financial circumstances, it might be possible to merge all your debts into one single loan, and providing you have a regular income, debt consolidation might just be what you need.

First-Time Gold Investor? Consider These 5 Factors

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When world economies fail, gold continues to prosper. Gold bullion coins sell in the millions every week, alluring investors to purchase gold. If you’re a first-time gold buyer, we’ve put together a couple of handy tips to consider before you make that investment.


  1. North American Coins Are a Good Choice

The American Eagle and Canadian Maple Leafe gold coins are very easy to both buy and also to sell. But, the American Eagle’s gold content along with its purity has been guaranteed by the U.S. Mint and these coins may even be put into retirement accounts.

What’s more, the more widely used gold coins are far easier sell than, for example, the Austrian Vienna Philharmonic coins or the South African Krugerrand.

In comparison, gold bars are costly, typically trading in 10-ounce amounts, but they can be difficult to sell and expensive to ship around.

If you choose to invest in gold coins, firstly, make sure that you purchase from reputable gold buyers in Adelaide, and secondly, store them in a home safe or safety deposit box. Physical possession is usually best if you want to avoid dealer scams.


  1. Compare Prices

Typically, a Mint will not sell coins directly, but reputable dealers will. If it’s your first time buying gold, be sure to compare prices among dealers. This is pretty easy to do since coins sell at a premium above gold’s sport price. Turn to the internet to find the spot price. The best thing to do is aim for the lowest possible price and try to avoid buying gold on sites like eBay where you risk getting pulled into an unnecessary and costly bidding war.


  1. Invest in 1-Ounce Coins

Typically, gold coins are issued in four main denominations, mainly, 1-ounce, half an ounce, a quarter of an ounce, and a tenth of an ounce. Keep in mind that the fractional coins usually carry higher premiums above the spot prices compared to the one-ounce varieties, which is why it’s better to invest in 1-ounce gold coins.


  1. Stay Away from Rare Coins

Rarer coins usually require a lot more expertise and diligence when investing in them. Consider this: two coins may look identical, but have totally different grades. It’s differences like these that can add up in the region of thousands of dollars. It’s a good hire to use a professional grading certificate and get certificates of authenticity when you do buy rare coins. This is usually somewhat of a hassle for investors, though. The professional grading services, however, will judge the physical condition of the coin and assign it a grade – it’s like investing in a piece of art.


  1. Buyback Policies

If you want to invest in gold coins, make sure you find out what a dealer usually charges to sell them. All dealers are different, and not all of them will charge a premium. Simply call out and find out their policy.

It’s worth remembering that there are plenty of scam artists out there, and if you come across a dealer offering delayed delivery or free storage, this should send up big red flags. Also, avoid buying from telemarketers as they usually charge a lot higher commissions.

Now that you have these tips, we hope you enjoy investing in gold!

Innovation Labs and Other Great Ideas To Help Your Company Innovate

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Innovation is one of themes important aspects to businesses and the general rule within a great many industries is ‘innovate or die’. This ethos is not just exclusive to small businesses but it may prove to be more important that small businesses continue to innovate, compared with the bigger companies. In the last few years alone we have seen some heavyweight companies go under thanks to their failure to innovate, companies like Blockbusters, Woolworths and more recently, Toys R US. If these occupancies are not immune to the dangers which a lack of innovation brings, neither is your small business. With this in mind then, let’s take a look at some of the ways that your business can push for more innovation.

Innovation Lab

An innovation lab is a great way for you to cut down theme which idea development takes, and encourage your team to be more innovative in their approach. It could be easy for you to get your team together in a room and try to encourage them to be innovative but if you use the same space for this as you use for meetings and collaborative work, you could actually be inhibiting creativity. In light of this then, an innovate lab is the perfect solution, a neutral space where you an your team can meet to find new and exciting ways in which you can do business.

Innovation Management Software

Another great option which you could look at in order to push for more innovation amongst your team, is to use innovation management software. This type of software allows your team to all work individually on their ideas and share it with the entire company in a  split second. As a manager or owner, this means that you can have access to see these ideas grow and watch as more people throw in additional and supporting information. The software allows ideas to be taken from a  concept right the way through to fruition without the need for endless meetings, emails and conversions. Ideas can be quickly decided upon as to whether they are good enough and you can also attach a great amount of supporting information to the ideas process.

Risk

The thing that most drives innovation within a business is the company’s willingness to take a risk when necessary. In simple terms this means that if your company is prepared to give an idea a go, it means that even if it fails, you will be creating an environment where the staff and the leaders within the business, will be thinking in a more innovative way, safe in the knowledge that the business is prepared to give it a go if the idea is good enough. Creating this kind of environment is perfect in terms of getting your team in the right frame of mind, and ensuring that you are doing all that you can to take the innovation which you have in the business, and using it to find success.