Tag Archives: change

MoneySavingExpert- Change Your Financial Position

MoneySavingExpert- Change Your Financial Position

How would you like to be more financial, to be able to afford those extra little things without having to stress? You could become a MoneySavingExpert today! You could change your life today or you have to be be confident that you can change and that you are to change. Everyone these days are struggling to stay afloat with the higher interest rates and the price of fuel and even the price of groceries are going up. I don’t know about you but my shopping budget is not stretching like it used to. I used to be able to shop for $300.00 a fortnight now it’s more like $450.00 a fortnight. That’s not getting anything special just the normal stuff that we use day in and day out. I have three children and they all go to school so I have to make sure there is food for them to take to school and money there for the books uniforms and any other educational expense.


With the price of food for the kid’s school lunches I had to look in a different way to fill their lunch boxes with health food without costing a fortune. I now bake all my kid’s goodies for their lunch. A lot of people say it is no cheaper, well I have found it a lot cheaper and every cent you save is a bonus. I bake once a fortnight and freeze a lot of it even my biscuits and there no different when they are defrosted, they do not go soggy. I had to find recipes that were cheap and that I could make in bulk, my biscuit recipe I can make 130 biscuits in just 1 batch and it cost little to make. I also bake all my cakes and slices and wrap them individually so it’s easy for the kids and then they don’t cut a huge slice, so that way I get more out of the product. When I shop I buy a lot of home brand and have not found it to taste any different. There are a few things that I don’t like but not much especially in baking. So when you look around next time you shop look at all the prices and you might be shocked of what you could save. You wont know if its good until you try it and also look for the specials as you might get 2 for the price of one. The real big saver is make a list before you go shopping and only buy the things that are on the list and really look at the cheapest way to buy those things on your list.


A lot of people cannot budget like I was once, but by coming a MoneySavingExpert my life is for the better so change yours today!!!!.


The Failings of Single-Instance ERP

The Failings of Single-Instance ERP

Cost. For a large company, the cost of deploying Oracle or SAP enterprise-wide will run in the millions or tens of millions of dollars.The problem comes when the headquarters installation is finished and the first few major subsidiaries have been brought online.With the core complete, the economics become decreasingly justifiable as you move toward the edges of the organization. At each location there will be hardware and software to be purchased and deployed, an IT team to be dispatched, and a new span on that Golden Gate Bridge needs its own permanent paint crew. Another million dollars just to bring the Singapore subsidiary online? Somehow that cost/benefit doesn’t seem as compelling as it did in the earlier stages of the project.

Time. Single-instance ERP deployments take an enormous amount of time. Global rollouts taking years and years and straddling the tenure of multiple finance and IT personnel are the rule rather than the exception. Again, momentum can fall off significantly the further you get from headquarters or the largest subsidiaries. And each new subsidiary, division, or process added means that the core IT team will be spending a larger and larger portion of its time caring for and feeding the accounting software
systems already installed and have less and less capacity to apply to rolling out to new subsidiaries, divisions, or processes. Then the general manager of one of those far-flung subsidiaries says, “Yes, they’re going to roll it out here as well but I’ve seen the rollout calendar, and I’m scheduled to get it in 2019. I need something now.”

Risk. Cost and time add up to risk. These massive deployments often overshoot on time and cost and subsequently crumple under their own weight. Part of the company may end up live, but that may be where the deployment fizzles and proceeds no further. Because these deployments have been so disruptive, so risky, and simply so much harder than imagined at the outset, companies hesitate to deploy more broadly.

Agility. Worst of all for the single-tier strategy is that, during the years-long global deployment project, neither the world nor the business has stood still. New companies have been acquired or divested, new products and processes have been introduced, and new regulatory and business accounting software requirements have been enacted. Because these systems take so long and cost so much to deploy, they’ve been completely unable to keep pace with the changing environment. The unmanaged change results in patching systems and processes with a variety of point solutions, stand-alone ERP systems, manual processes, and, in general exactly the kind of chaos everyone was trying to avoid with this single-tier strategy in the first place. What does all that mean to the organization? Fundamentally, it’s a failure to achieve those gains that were the original vision of the strategy, namely global visibility, process efficiency, and standardization. The handoffs between those disparate systems also are challenging. Processing orders across subsidiaries, reconciling intercompany charges, and consolidating the books at month-end are complicated when there’s no standardization. Clumsy manual handoffs of information across systems are not only inefficient, but they create opportunities for the introduction of errors and erode confidence in the integrity of the process. Finally, executing change in this environment can be an enormous challenge. More complex changes, such as rolling out a new process because of a change in Generally Accepted Accounting Principles (GAAP), can consume huge amounts of time and resources that are far out of proportion to the real magnitude of the change.

This is the common reality finance faces today. Given the current situation, it makes sense to develop a new strategic approach that will move organizations toward the global standardization and transparency originally envisioned and promised by ERP much more quickly and effectively than the one-system strategy has done. That’s where two-tier ERP comes in.


Understanding Your Family As a System

Understanding Your Family As a System

Systems theory suggests that families are systems in which individuals are interconnected and interdependent on one another. Thus the understanding of an individual can be analyzed by the prevailing reflection of how the individual’s family functions.

In the systems theory, the first of which is that a family is an interconnection of family members. In a family environment, it means that actions by one family member will affect the rest of the members in the family and vice versa. This also suggests that change in one part of the system will reverberate throughout the other parts.

The second feature is that a family is greater than the sum of parts. This means that it would be more accurate to assess an individual by looking at their interactions within the family rather than focusing on the individual’s personality as per se. This is because it is believed that individuals are what they are based on their interactions with family members. The start of society begins in each family unit.

Thirdly, it suggests that a family is in equilibrium. This means that the family will generally resist change in such a manner that if any parts within the family tries to change, the rest of the parts in the system will try to pull the individual back to their original state. This is also true even if the change is something positive. However, despite being resistant to changes, the family also constantly adapting itself to its members and the changing environment.

A system can also be flexible or rigid, depending on the boundaries set within a family. Boundary is also a key element of the family system, there can be both emotional and physical boundaries. For families which are flexible, it means that they are “open” and accepts certain changes. On the other hand, a rigid family means that it does not accept any changes at all. In order for a family to function effectively, members should have flexible boundaries, as the family will be in equilibrium without forcing states of change.

Lastly, the system theory suggests that in a family, there are rules and roles made by the family itself and hence, are unique to each and every family. Rules can be spoken or silent and are self regulating within the family. On the other hand, roles are also present in the family, where each individual plays a part in maintaining the family.


A mother who is a vegetarian can possibly influence her family to be more vegetarian even though the other family members may not by their nature, like to eat vegetables. Normally when there is dinner together the whole family had to eat vegetarian meals with her. Over a period of time, the family members individually may develop a habit to vegetables not because they like it, but rather because they are used to it. In this example, the family has open boundaries which potentially save the family from arguments.

All it takes is perhaps the rest of the family to protest to eating vegetarian meals on a constant basis and the mother may stop becoming a vegetarian due to inconvenience and the fear of domestic arguments. When that happens, it is not the mother who does not have the personality to become a vegetarian but rather is forced by the family to dilute away that part of the personality, in order for the family to function well. This phenomenon can be seen in group think as well whereby a group makes a decision not because everybody is readily in for it but rather maybe two dominant characters decide and the rest of the group consent to it.


The Benefits of Using a Cash Register

The Benefits of Using a Cash Register

You can purchase both mechanical and electronic cash registers for your business and these will enable you too quickly and efficiently process customer purchases and keep accurate records of your daily sales transactions. Cash registers provide a number of useful services across a wide range of sales businesses including retail stores, food and drink outlets, cinemas, supermarkets and more.

Fast Checkouts

Cash registers will ensure that the checkout stage of your business is as fast and seamless as possible as they can be used to quickly calculate the total sales price of each transaction and also provide the sales clerk with the exact change that needs to be given. A sales receipt can be provided for customer that details the transaction and may also include additional details such as the date/time, sales clerk ID name/number and refund policy. You can even make use of sales receipts to advertise upcoming events in your store such as seasonal sales or new product launches.

Increase Security

Cash registers can improve the security on your shop floor as the cash drawers will be securely locked until a successful sales transaction is put through. This will trigger the cash drawer to open so that the sales clerk can add money/vouchers and also access change for the customer. Cash registers prevent the need to keep money out in view of the public and also reduce the chances of theft or embezzlement on the shop floor as each transaction is fully recorded against the time, date and also the sales clerk operating the register. Senior sales staff can be provided with an override code or passkey in order to access the sales drawer in case a refund needs to be given or the customers has received the wrong change.

Multiply Payment Options

With electronic cash registers you can purchase integrated credit card readers. This allows you to accept instant credit card payments which can be processed securely through PIN readers. You will also be able to accept cash, cheques, vouchers, loyalty cards and other payment methods and this will enable you to provide a good range of payment options for your customers.

Audit Reports

Cash registers will record detailed information about each sales transaction. This can not only provide you with a way to corroborate stock levels but it will also provide you with a clear audit trail which you can use to ensure that your incomings and outgoings balance correctly.

Cash registers are an essential tool for modern businesses and provide a secure, accurate way to process customer sales transactions and also record daily sales information.


16 Climate Change Solutions – The Built Environment

16 Climate Change Solutions – The Built Environment

Government could be a force for progress in finding Climate Change solutions. The problem simply has to be solved. Time is showing that there is no escape from this reality. Politics aside, the governance mechanisms need to be in the public interest, free from sectarian or industrial lobby group interference.

It is my educated opinion that a rational point for debate is that we need a review of governance systems in relation to energy use and power sources and a new 21st Century response that will benefit Australia in the long run.

The opinions and points made in this document are based on my 40-year professional and academic career and long-term experience. This includes many successes in the built environment as an architect, project manager, builder and developer, as well as teacher, researcher and innovator. This experience covers not only what has gone right but also, what has gone wrong or not worked to plan. The errors or miscalculations are actually where the best lessons are learned.

Getting it right is not that easy. I am sure most politicians can testify to that truism.

Political action needed to avert future damages of Climate Change After looking at all the evidence and possible solutions available, it is obvious we must heighten levels of awareness and not delay decisive action any longer. Time is marching uncomfortably onwards. Therefore political system needs to facilitate the process and not hinder it any longer, through inaction.

Summary of what Governance Action needs to be taken:

1. Review the Building Codes of Australia and remove the discrepancies and bad science that exists in the energy provisions section. State Parliaments needs to push the Federal Government to initiate this change.

2. Review and amend the AccuRate home energy-rating scheme. Discrepancies, bad science and the obvious industry lobby group interference in setting the benchmarks are causing impediments to progress.

3. Review and amend the privacy provisions in residential guidelines to allow passive solar houses to be effectively developed.

4. Review the R-codes to introduce mandatory solar access zones, limit the footprints on sites to rein in excessively sized homes, and review and amend all heights and setbacks to coincide with passive solar design principles.

5. Pass a statute law protecting all roofs of buildings from overshadowing from neighbors and an appropriate appeals process to separate the exceptions for the general rule. This is prime solar collection space for the future.

6. Mandate that independently assessed and verified efficiency for water and energy be disclosed at the point of sale of all buildings.

7. Set energy and water use benchmarks for energy bill discounts for compliant and successful users who achieve them.

8. Progressively raise the rate of charges with the volume of use or misuse.

9. Continue to reward best practice and innovation with awards.

10. Annually report to the public the overall performances in energy and water conservation so everyone can assess the effectiveness of ongoing community and government actions.

11. Embark on a PR campaign similar to the ‘No Smoking’ Campaign to help change the awareness of Climate Change and what the public can do to help solve the problem.

12. Make it mandatory for all existing and new public buildings to achieve highest standards of performance within say, 20 years.

13. Embark on a public funded system of public education and training through increased grants for qualified individuals, industry associations and corporations with acknowledged expertise to educate and train the public to take some responsibility for their energy and water usage.

Go Green|Green Earth
14. Become part of a nationwide register of performance so that each State can be traced for effectiveness against benchmarks that relate to the climate and technologies economically available to them.

15. Initiate the requirement that all fossil fuel energy power stations begin to include a mandatory level of renewable energy that is synergistic to a power generation regime and control systems.

16. Designate the vast desert areas of Australia as solar collection zones that must have Australian 75% majority ownership for use in the future for the purposes of generating energy and energy products.