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There was a feature on the BBC website some months back which showed a series of photographs of authors at their desks. These were the desks at which bestselling novels and works of non-fiction had been written - and they could not have been more diverse.

Perhaps the most telling thing about them was that some were incredibly Wholesale Mateen Cleaves Jersey , deeply messy while others were so tidy they could only have been polished a few seconds before the photograph was taken. Of course we have no way of knowing whether those incredibly tidy desks always look like that, but assuming they do, it begs a question of what a working desk should look like.

In answer to that Wholesale Isiah Thomas Jersey , there is no right or wrong way for a desk to look. Some people will say that a messy desk equals a messy mind, or words to that effect. Some claim they cannot work unless their desk is tidy. But for other people the opposite is true. As soon as they are hounded into tidying their work space for the benefit of others, they cannot find a thing and their whole way of working is thrown into disarray.

There are plenty of websites that declare that messy desks are definitely counterproductive. But while this is essentially true for a lot of people Wholesale Dennis Rodman Jersey , some people can work quite happily amidst a pile of paper that threatens to topple to the floor. It all depends on the individual.

So how does your desk shape up? Do you constantly tidy it or are you happy with it looking untidy? The answer really does not matter, provided you are able to work happily in that position.

You may find that how you work depends on the amount of space you have available. Some people find that if they work at a small desk they will be more likely to be untidy. But if they have space to neatly file everything away and put everything in its place, it is a very different story indeed.

In other situations there are people who will constantly generate paper and many other items to fill the amount of space they find themselves with. No matter how much they may strive to keep things tidy Wholesale Terry Mills Jersey , it never quite works for them.

Take a fresh look at your desk today and ask yourself how happy you are with it. Don't think about what others in your workplace may think. Remember that this is your working space and it needs to be right for you. If this means it is messy then so be it. You need to make it clear that your desk is the one space you are totally responsible for at all times. If that means anything landing on it has the chance of disappearing into the ether forever then that is the way it is.

On the other hand, if you look at it and feel guilty and overwhelmed, perhaps now is the time to start tidying Wholesale Joe Dumars Jersey , don't you think?
Contract Bonds are credit guarantees that a contractor will perform the work contracted and pay subs and suppliers. If the contractor defaults the bonding company is obligated to finish the contract. To qualify for bonding a contractor must demonstrate good management, financial strength, profitability and a history of honesty and prompt performance of obligations.
Four Steps To Get The Bond Capacity You Need
1) Assemble Your Bond Team
Accountant- Surety companies want independent financial verification. As job size increases Wholesale Ben Wallace Jersey , they want reviewed-even audited annual financial statements. Get a CPA familiar with construction accounting.
Attorney- Some contracts you just should not sign no matter how badly you need the business or how profitable you think they are. One-sided contracts and fine print can kill a business. Get an attorney to review construction contracts and liability clauses.
Banker- Surety companies understand and encourage contingency financing for emergencies or temporary working capital. Get a banker that understand lending and the rights of sureties in your construction field.
Bonding and Insurance Agent- Sometimes an insurance agent has expertise in both construction insurance as well as bonding however sometimes it is best to separate these functions if it means getting the bond capacity you need. As independent businessmen and through their contacts and connections bonding agents are in a unique position to introduce you to accountants, attorneys and bankers with the experience you need.
2) Personally Meet The Bond Underwriter
A good bond agent will make sure you personally meet the underwriter at least once per year. No amount of financial analysis can substitute for onsite visits and assessments of the owner and company.
3) Maintain The Surety Relationship
Continual communication between contractor, agent and surety are essential. Depending on the frequency a bond is needed Wholesale Chauncey Billups Jersey , expect to forward financial information semi-annually or even quarterly including Job Status Report and Work in Process Report.
4) Stick To Your Business Plan
If you and the bonding company have agreed to a bonding program (called a bond line) based on your submitted business plan, application, financials Wholesale Tracy McGrady Jersey , volume and expertise, any bond requests that vary from your agreement or plan could be declined and raise questions about bonding future work. Some examples are bidding work outside your customary expertise, geographic area or bidding single jobs which equal or are greater than the total annual gross contract sales.

Contract Bonds are credit guarantees that a contractor will perform the work contracted and pay subs and suppliers. If the contractor defaults the bonding company is obligated to finish the contract. To qualify for bonding a contractor must demonstrate good management Wholesale Allen Iverson Jersey , financial strength, profitability and a history of honesty and prompt performance of obligations.


Surety Bond Agent Mark Strange Reveals Tips For Contractors To Maintain And Expand Bond Credit.

Rosemarie Strange
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