Solar Energy In Nigeria – Time To Get Down To Business

Many Nigerians believe the only way to solve the age long electricity crisis in the country is through independent power generation, as they have since lost faith in the government’s ability to decisively solve this problem that has significantly stunted the growth of the Nigerian economy for years now. Well it will be difficult to blame people trying to meet basic electricity supply needs and also keep businesses running without much hassle.

As we now know the environmental threats and inconveniences power generators cause, it is quite encouraging to see some effort from the government, research institutes and private stakeholders on the development of alternative energy sources for power generation. Solar energy, which is the most abundant of all the available renewable energy sources, has been making raves of late and I believe it is about time we started taking the prospects of this energy source more seriously.

Considering the current issues with unbundling the power sector, deregulation and increase in generating capacity, we can begin to pick some positives from the evident change in approach by some factions of the government regarding solar energy. Do not get me wrong, Nigeria’s interest in solar energy dates back to decades ago but the subsequent effect before now has been drastically minimal.

ENCOURAGING PROSPECTS

Besides the abundant oil and gas resources that we currently hold, Nigeria is still fortunate to be situated in Sub-Saharan Africa, a region described by the International Council for Science as having the world’s best solar resources. Nigeria has 485.1million MWh/day of solar energy in natural units and we enjoy an average of 6.2 hours of daily sunshine. Despite this, approximately over 60% of Nigeria’s 170 million people lack access to electricity supply. Our main sources of electricity come from hydro and gas and we currently have an installed capacity of 5,600MW of electricity but generate less than 5000MW due to a myriad of issues.

The use of solar electricity systems aids the capture of solar energy using photovoltaic (PV) cells which convert the sunlight into electricity. This resource has been found to have the capability of providing more power than all the fossil fuels we currently hold if properly harnessed and used to generate green and cheap electricity. Eventually, it can play a part in reducing our huge dependence on fossil fuels like crude and gas for power generation.

CRITICAL CHALLENGES

According to the United Nations, rural-urban migration in Sub-Saharan Africa will have increased by 87% in 2030 from the 1950s. Putting Nigeria in mind, this will definitely mount more pressure on the existing electricity infrastructure which has not been significantly improved for decades now despite the government’s target to generate 297, 900MW in the year 2030.

One of the key challenges in investing in solar energy is the initial capital outlay which is high. According to reports, solar panels are expensive to install and maintain. Dr Aliyu Modibbo Umar, the former FCT minister was quoted as saying it costs up to N500, 000 per panel and another source says it costs up to N200, 000 to maintain. Nonetheless, more recently, the cost of solar technology has reduced by 40% in the last two years. Our neighbours Ghana last December announced plans to build the biggest PV solar power plant in Africa generating 155MW and will increase its generating capacity by 6%. According to Blue Energy, the UK firm behind this deal, the reduction in costs and an enabling feed-in tariff policy played a key role in helping the project kick off.

Another challenge being faced in the use of this energy source is the maintenance and day to day running of the solar infrastructure. There appears to be insufficient personnel with the technical wherewithal to manage these facilities and ensure they are running up to speed. In 2005, there was a remarkable feat achieved by the Lagos State government in solar energy installations when a rural solar electrification project was launched at Onisowo Village in the Amuwo -Odofin Local government Area- a village that was cut off from the national grid. In the past two decades, states like Zamfara, Bauchi, Benue, Bayelsa and Rivers have also partnered with the World Bank and the Energy Commission of Nigeria to carry out similar projects in rural communities across the country. Despite the complaints on the efficiency and maintenance of these facilities, we have seen that we have the capability to put these structures in place which we can pick positives from and definitely build on.

RECOMMENDATIONS

It is of great importance that we speedily tap into alternative energy sources that are cleaner and safer due to the country’s vulnerability to climate change. Since we have established existing and growing interest in this technology, the government needs to assist significantly in funding domestic solar energy research in research institutes and universities. Government subsidies will also be helpful in the importation of solar panels and other equipments that cannot be manufactured locally. This will support independent investors and individuals who have interest in the energy source.

Borrowing from the UK’s feed-in tariff concept, the government can also encourage independent electricity generation through solar panels by providing more incentives for consumers and suppliers who choose to invest in this source. It will always be soothing to the ear when you know you will get rewarded for generating your own electricity. Installing and understanding this infrastructure is still considered by many as technical and expensive, but through extensive awareness programmes and public and private sector initiatives, this process can be simplified and will eventually become cheaper to install and use in the long run.

Finally, on affordability, Nigerians have shown that they can invest money on power generation when presented with a better alternative. We can see the percentage of people using power generators and inverters in both rural and urban cities in Nigeria which gives us a picture of how they will handle the prospect of solar energy if the installation process is simplified and equipments are cheaper and readily available.

Outsourcing Your Payroll Can Save You Time and Money! What Can Outsourcing Your Payroll Do For You?

It is that time again; time to process your payroll. Why not make that headache go away and see what outsourcing your payroll can do for you. It does not matter rather your business is big or small hours can better be spent on the operational and financial aspect of it. Payroll itself can be time consuming, and with law as, changing on a regular basis in this difficult economic time this is just one more thing that you cannot afford to make mistakes that will cost you money. This is because so many factors play into it like; full-time hourly, part-time hourly, seasonal, salaried part-time, and the list keeps going. To top it all off you have vacation accruals and even bonuses to configure, not to mention handling the direct deposits and manual checks. After all that than you have taxes that come up. No wonder just the thought of payroll and getting everything ready for payday can give you a headache. 
 
Take a moment and see how much time and money that you spend processing your payroll. There are many business’ still tracking their payroll for their employees in spreadsheet, hand-written checks or in the worst case not paying payroll at all. Processing the payroll by hand can become a full-time job by itself, not only have to do it weekly or biweekly, and sometimes monthly there are other deadlines and commitments that have to be met. Quarterly and annual requirements, which easily can be forgotten, the potential penalties that you may incur can put your business in financial distress. With all this payroll information in it’s ever changing from; daily posting, hours worked, vacation pay, sick leave pay, accruals, union reports and requirements, employee changes that all have to be recorded into the payroll system. This process may take a lot of time and effort but it also lacks the efficiency. The only easy part of the whole process is the check writing. By streamlining your payroll process, you can save a substantial amount of time and money, and add to the bottom line. Outsource your payroll to a payroll processing company. 
 
There is that light at the end of what seemed like the darkest of all tunnels. After all, just remember that the purpose of a payroll processing company is to utilize the wide range additional tools and professional expertise that can help your company. It can help with things like; efficiency, reduce costs, access the information you need at your fingertips and the most important thing, getting your employees paid on time. So if you want to take the hassle out of processing your payroll, look at outsourcing your payroll and see just how much of a difference it can make for you and your business.

Is It the Time of Polymaths?

In recent years, there have been many articles in the press on polymaths. Specialization has prevailed in all scientific fields which have been fragmented.

For instance, economic science is now divided into sub-fields such as business administration, finance, accounting, macroeconomics etc.

t could be suggested that this persistence in specialization is also the reason for the declining course of activities not associated with it. For example, piano and French do not exist as a necessary education for the bourgeoisie, they belong to the past. People learn foreign languages mainly as a means to find a better paid job and not because they are keen on them and the national culture they represent. Learning to play a musical instrument is considered a hobby and not part of basic education. The same is true to everything related to art and culture and the lack of it has brought negative consequences for society and living quality.

Being a polymath today resembles a little to what Aristotle or Leonardo da Vinci were. Its concept is different since it means having the knowledge of several scientific objects but not the depth required by the specialization. Polymaths, even in the recent past, were “punished” by business and headhunters. They were considered as not “focused” in a field, they could not be classified. The repercussions for businesses and organizations are visible and negative in particular in their struggle to find a competitive advantage through the recruitment of talent and polymaths are real talents.

This debate on the return of polymaths is surprising because it is self-evident that over-specialization prevents the global view of things, people become one-dimensional and persistent in what they know.

Polymaths have this comprehensive view and can find solutions more easily. In practice, this is obvious in scientific fields such as marketing which requires a good knowledge of sociology, psychology, mathematics, economics, informatics and statistics, otherwise it can not be applied successfully.

Similarly, the lack of polymaths can be seen in decisions about the economy that do not take into account the historical, social and cultural elements of the society in which financial measures are imposed and thus there is no strategic thinking.

The lack of polymaths is surprising in our era where by a simple search on the Internet questions are answered and numerous opportunities on learning different subjects exist – from foreign languages ​​to computer programming. The advent of Artificial Intelligence and machine deep learning will definitely eliminate all routine repetitive jobs such as data entry etc. Some people think that being a polymath is a way to survive in the world of Artificial Intelligence and will be easier to find a job. In particular, being a polymath is considered to offer flexibility since people are obliged to work, during their lifetime, in many different jobs.

Consequently, being a polymath becomes more compulsive, however, it lacks the element of search and curiosity that Aristotle and Leonardo da Vinci had or even the element of a basic bourgeois culture, while, on the contrary, it will be a means for professional survival unless polymaths will be a medium-term transition before the complete domination of the machines.

Admin Professionals: Discover Hot Time Management Tips to Increase Productivity and Get More Done

The reality is: Increased workloads are here to stay. However, there’s powerful ways to manage your workload through calendar management and productivity tools so that administrative professionals and employees at all levels of an organization can take on new, expanded roles to achieve peak productivity.

It’s time to rethink the way you work. In recent years, businesses have been asking employees at all levels to take on new projects or roles, and basically do more work.

The reality is: Increased workloads are here to stay. If your job has turned into a “stretch job,” you may be wondering if there’s a better way to get more done in less time, relieve stress and avoid taking work home at night. And while you can’t create more hours in the day, you can learn how to use your time to the best advantage.

Here are few ways employees can work reasonable hours, prioritize tasks, track productivity, organize their calendars and use tech tools and software to manage projects efficiently.

–Manage projects, not time. Match the task with the person. Give snappy introductions. Cluster related projects. And make ‘just in time’ decisions.

–Managing interruptions. Don’t allow your open door policy to be abused. Let people know when you really can’t be interrupted. Discourage upward delegation. Encourage workers to make decisions for themselves. Put a curb on venting time. Arrange your office strategically. Stand up when an unannounced visitor enters. Learn to dismiss irrelevant interruptions. Use silence as a weapon.

–Master Delegation. Learn what to delegate versus give to yourself such as: Routine and repetitive jobs. Jobs requiring special expertise. Pet projects. Crises. Policy making. Personnel matters. Symbolic acts.

–Embrace technology. Simplify with apps: Getting the right apps can help you get lots of things done without ever needing to open the computer. Apps can make it much easier than navigating websites. Digital archiving: The Internet is great for keeping track of content and capturing ideas. Sites like Del.icio.us let you bookmark websites to come back to later. Having a digital archive can save you time when you need to go back and find something later.

How Top Performers Employ Their Time

Most people think the key to being productive is working flat-out 100% of the time. Not so. A recent study on highly productive people indicate a few techniques to help virtually anyone increase their productivity:

-Vary the pace. For unfamiliar new activities, they slow down and work methodically until they’ve learned what they need to know. Yet, in activities in which they’re already experts, they work quickly-sometimes, with blinding speed.

-Orient themselves toward garnering big returns, fast. When possible, their goal is to seek the biggest advantage in the least amount of time.

-Eschew monolithic project management. When handling complex projects, they multitask by letting different implementation teams handle different parts of the project.

-Take frequent breaks to rest and recharge. That might be why top execs haven’t abandoned lunches.

-Accelerate different parts of big projects, whenever possible. Example: If the research they conducted last year gives them a leg up on a big project currently on their plate, they plug it in.

Employees need to work smarter while embracing technology to speed tasks. The payoff is more efficiency, less stress, improved performance and career wisdom – which ultimately helps you, your boss, your staff, and your organization’s bottom line.

MLM’s: Waste of Time, Or Goldmine?

When most people think about Multi-Level Marketing, they envision slick-talking,

insurance salesman-like people pushing their products at everyone in sight. Maybe some

of you have even tried MLM’s, didn’t get insanely rich overnight and gave up thinking, “I

must not be cut out for this business” or “this is the last time I fall for one of these

schemes”.

Part of the reason that many people don’t make any real money with MLM’s is that they go in with unrealistic expectations. It’s not really even their own fault either. A lot of the ads you see

out there are promising some pretty appealing stuff; overnight riches, insane profits, quit

your job today. If it were really that easy, wouldn’t everyone be working in their pajamas

and retiring at 30?

Want to know the truth? You can make money with MLM’s. Good money. I know, I

make good money.

So what’s the secret you ask? It’s not really a secret. If you think about it, it’s really just

basic business technique. The problem is that the true nature of MLM’s can be clouded by

all the hype, and people that aren’t well-suited to this business join up thinking it’s their

ticket to financial freedom. Let’s look at the pros and cons, and you can decide if an MLM

can work for you.

PRO: When you join an MLM company, you are basically starting a business. But it’s kind of

like a franchise. You’re using the tools that an already-successful company has tested,

used and proven to be effective. You’ve got a great product (I’m assuming you’ve chosen

a program that does, in fact, offer a quality product). All of this already gives you one of

the biggest benefits of MLM programs: you don’t have to deal with the manufacturing,

the packaging, the shipping, the inventory, the order-taking. Your focus is on the

advertising, and because of the power of the internet, this is literally at your fingertips. In

short, the company does most of the work for you.

CON: This very fact can actually be a drawback for some people. It goes back to unrealistic

expectations. Because it seems so easy, some people think that they don’t have to do

anything, that the money will just start rolling in once they sign up. You laugh, but I’m

telling you that I see this happen every day. In fact, more people don’t do the A-number 1

thing that you must do which is to place at least ONE ad. It would be like planning a

great party with the best caterer in town, but not sending out any invitations and hoping

that guests would just come stumbling by. The bottom line? You do have to put in time,

effort and sweat equity, just like any other business.

PRO: Promoting an MLM program allows you an extremely flexible business. It really can be

done in your spare time. Most of that sweat equity is spent in the beginning; planning,

organizing, placing your initial ads, etc. Once you have the foundation in place, most of

your time is spent finding new ways to promote your business. You aren’t tied down to a

9-5 schedule, you don’t have to attend meetings, wear suits, be at the mercy of your boss.

CON: It is imperative that you follow up religiously. By following up I mean not only with your

leads, but with your downline. This is the absolute key to turning a little trickle of sales

into a real source of income. The secret is in your downline. Most programs offer at least

a 2-tier commission program. Many go much deeper. Those who are making the really

big money are the ones who teach, mentor and follow up with their downlines. Personally,

I wouldn’t classify this one as a con, but I know that many would. If YOU want to be

successful, then make THEM successful. And what about your leads? You’ve probably

heard it before, but I’m going to say it anyway; on average people have to be exposed to

your information 7 times before they will buy. The good news is that so much of this

process can (and should) be automated. If you only use one tool to automate your

business, then make it an autoresponder.

CON: If you absolutely can’t handle rejection and/or can’t stick with something unless it gives

you immediate results, then MLM’s are not for you. Most people give up before they’ve

even given it a chance. Even with a “killer ad” it’s still a numbers game, and persistence

will pay off. If nothing you’re doing is working, you have to make changes, test,

monitor. Then you have to make more changes, test, monitor. Then, when you find just

the right ad and just the right places to post them, they might suddenly stop pulling.

Remember, this is your business. You’ve got to keep changing your approach as your

audience changes. Look how quickly companies change their commercials. They’re

responding to the changing market. This is why Jack was blown up, and it’s also why he’s

Back.

Always do your homework before you sign up. Ask for references from existing

associates. Contact the BBB and see if they have any information on the company, good

or bad. Be sure to read all the information that is presented to you. My personal

recommendations for legitimate home business opportunities can be found here.

So what’s the moral of the story? MLM’s can be a viable source of income. They can be

for you if you are persistent, organized and enjoy helping others, but they’re not for

everyone. Take stock of your skills and your expectations and you will be able to make an

informed decision rather than wasting your time chasing something that’s just not for you.

Resources:

  • The Better Business Bureau– They have an alerts section and local BBB information.
  • The FTC has a lot of information on which MLM’s to stay away from. Just by doing a search at their website for multi-level marketing you can get a ton of information. You can find out which companies are or were being investigated or taken to court by the FTC, and lots more.
  • Cagey Consumer [http://www.geocities.com/WallStreet/5395/consumer.html]-Keep on top of the latest scams, and investigate hot topics like Internet fraud and travel scams.

Why Is Now the Right Time to Build a Mobile Application for Your Business?

With mobile users increasing day by day, it is true that the enterprise mobile app market is expected to grow over $65 billion in the coming few years. It is no more news that there is an app for your business. An app helps you to support your business goals, drive engagement, support your e-store and also extend your services. Being a small or mid-sized company, you might often think that only large brands can have an app. But today, more and more SMEs are also leveraging the mobile app development platform simply because it helps to remain well connected with their customers and also create a successful brand. Introducing an app is vital for your business success and there are multiple reasons why your business now needs to build a mobile app.

Here we will discuss some top reasons why you need to develop a mobile app now:

It’s time to be visible to your customer at all time:

On an average, people spend more than two hours on his or her mobile device and making your business visible before your audience at the right time is what you need in a competitive market. Though only a handful of apps make up to the top among thousands of apps, it doesn’t change the fact that the user always has to scroll their device to look for the app they need. A well designed app icon will have an impact on your mind and since your mobile always remains in your pocket, users will carry your app all the time and can view it whenever needed.

You need to create the stickiness:

There is nothing better to increase the stickiness of your business with the customers than embedding your brand in their pocket. Since apps are always visible on the home screen of the user’s phone, customers are also more likely to interact with your business when they find an app at their fingertips. Building an app will also help you increase your customer loyalty and bring in repeat business.

Embrace the IoT age:

IoT is one of the primary drivers of digital transformation and mobile apps are creating news with IoT as well. Today, mobile apps for smart watches, glares and belts and etc. are taking the networking to a new level. With IoT, the virtual and the real world are merging and this technology is operated and used to its ultimate by smartphone users. IoT role in healthcare is also immense as it helps to transmit all the data into the app and thus in a smartphone.

Strengthening the brand image:

Without a mobile app, you might appear to be outdated from the latest trends. This will obviously have a great impact on the performance and also the future prospects of your business. For many users, having an app is an expectation since it helps to remain connected to them. Building a mobile app for your business helps in branding and also enhances the current capabilities and offers a more streamlined experience.

You need to appear as innovative and cutting edge:

There are very few things that say “innovative” louder than any mobile app. Building a mobile app shows that your business is ready to innovate rather than stick to the convention. There are many companies that develop mobile apps simply to generate the wow factors and nothing springs innovation better than adopting new technologies. With more technology growth, you will receive more questions from your users and it is obvious that big organizations believe that mobile apps drive competitive advantage.

The need to open up new revenue channels:

If in case your business is in need to open up new channels to generate revenues for your business, then developing a mobile app is the best option before you. The app will help you to target a new customer base using mobile devices who are willing to avail services even while travelling. Offering services to that specific segment of your audience will help you drive more traffic to your website and obviously generate more sales.

Mobsters, Criminals and Crooks – Howe and Hummel – The Most Crooked Law Firm of All Time

I’m sure you’ve all heard about the fictitious law firm of Dewey, Screwem, and Howe. But in real life there existed a law firm which was, without a doubt, the most crooked and corrupt law firm of all time. The name of the law firm was Howe and Hummel (William Howe and Abraham Hummel). These two shyster lawyers were the main players in a sleazy law firm, founded in 1870, of which New York City District Attorney William Travers Jerome said in 1890, “For more than 20 years, Howe and Hummel have been a menace to this community.”

The founding member of the law firm was William Howe. Howe was an extremely large man, over 6 feet tall and weighing as much as 325 pounds. Howe had wavy gray hair, a large walrus mustache, and he dressed loudly, with baggy pantaloons, and diamonds, which he wore on his fingers, on his watch chains, as shirt studs, and as cuff buttons. The only time Howe wore a tie was at funerals. At trials, or anytime he was seen in public, instead of a tie, Howe wore diamond clusters, of which he owned many.

A New York lawyer, who was acquainted with Howe, said Howe derived tremendous enjoyment from cheating jewelers out of their payments for his many diamond purchases. “I don’t think he ever paid full price for those diamonds of his,” the lawyer said. “He never bought two at the same jewelers. When he got one, he would make a small down payment, and then when he had been dunned two or three times for the balance, he would assign one of his young assistant shysters to fight the claim. Of course, he had enough money to pay, but he got a kick out of not paying.”

Howe’s background before he arrived in New York City is quite dubious. What is known, is that Howe was born across the pond in England. Howe arrived in New York City in the early 1850’s as a ticket-of -leave man, or in common terms, a paroled convict. No one ever knew, nor did Howe ever divulge, what his crime had been in England. However, it was often said that Howe had been a doctor in London and had lost his license, and was incarcerated, as a result of some criminal act. Yet, Howe insisted that while he was in England he was not a doctor, but in fact, an assistant to the noted barrister George Waugh. Yet, Howe’s explanation of who we was, and what he did in England, could not be confirmed.

In 1874, Howe and Hummel were being sued by William and Adelaide Beaumont, who were former clients of the two lawyers, and were claiming they had been cheated by them. Howe was on the witness stand being interrogated by the Beaumont’s attorney Thomas Dunphy, who asked Howe if he was the same William Frederick Howe who was wanted for murder in England. Howe insisted that he was not. Dunphy then asked Howe if he was the same William Frederick Howe had been convicted of forgery in Brooklyn a few years earlier. Howe again denied he was that person. Yet, no definite determination could ever be made whether Howe was indeed telling the truth.

Rumor had it, before Howe set down stakes in New York City, he had worked in other American cities as a “confidence man.” Other crooks said that Howe was the inventor of the “sick engineer” game, which was one of the most successful sucker traps of that time. In 1859, when he arrived in New York City, Howe immediately transitioned from criminal into criminal attorney, which in those days most people considered to be the same thing.

In the mid-1800s, it was easy to get a license to practice law, and background checks on the integrity of law license applicants were nonexistent. Famed lawyer George W. Alger once wrote, “In those days there were practically no ethics at all in criminal law and none too much in the other branches of the profession. The grievance committee of the Bar Association was not functioning and a lawyer could do pretty much anything he wanted. And most of them did.”

In 1862, “Howe the Lawyer,” as he came to be known, suddenly appeared as a practicing attorney in New York City. However, there is no concrete evidence on how Howe actually became admitted to the New York Bar. In 1963, Howe was listed in the City Directory as an attorney in private practice. In those days, almost anyone could call themselves a lawyer. The courts were filled with lawyers who had absolutely no legal training. They were called “Poughkeepsie Lawyers.”

Howe began building up his clientele in the period immediately after the Civil War. Howe had the reputation of being a “pettifogger,” which is defined as a lawyer with no scruples, and who would use any method, legal or illegal, to serve his clients. Howe became known as “Habeas Corpus Howe,” because of his success in getting soldiers, who didn’t want to be in the service, out of the service. Howe would bring his dispirited soldiers into court, where they would testify that they were either drunk when they enlisted, which made their enlistment illegal, or that they had a circumstance in their lives at the time they were drafted, that may have made their draft contrary to the law. In a magazine article published in 1873, it said, “During the war, Mr. Howe at one time secured the release of an entire company of soldiers, some 70 strong.”

Howe also had as his clients scores of members of the street gangs who instigated the monstrous “1863 Civil War Riots.” Reports were that Howe, using illegal and immoral defense efforts, was able to have men, who committed murders during those riots, acquitted of all charges. As a result of his dubious successes, by the late 1860s Howe was considered the most successful lawyer in New York City. One highly complementary magazine article written about Howe was entitled “William F. Howe: The Celebrated Criminal Lawyer.”

In 1863, Howe hired a 13-year-old office boy named Abraham Hummel. At the time, Howe had just opened his new office, a gigantic storefront at 89 Centre Street, directly opposite The Tombs Prison. Hummel was the exact opposite in appearance of Howe. “Little Abey” was under 5-foot-tall, with thin spindly legs, and a huge, egg-shaped bald head. Hummel walked slightly bent over, and some people mistook him for a hunchback. Hummel wore a black mustache, and had shifty eyes, that always seem to be darting about and taking in the entire scene. While Howe was loud and bombastic, Hummel was quiet and reserved.

However, Hummel was sly and much more quick-witted than Howe. Where Howe dressed outlandishly, Hummel’s attire consisted of plain expensive black suits, and pointed patent leather shoes: “toothpick shoes,” as they were called at the time. Hummel’s shoes were installed with inserts, a precursor to Adler-elevated shoes, which gave Hummel a few extra inches in height, putting him just over the 5-foot mark. Hummel considered himself neat and fastidious, and extremely proud of the fact.

Hummel started off as little more then an office go-fer for Howe. Hummel washed the windows and swept the floors at 89 Centre Street. Hummel also was in charge of replenishing Howe’s ever- dwindling stock of liquor and cigars. Hummel’s job also included carrying coal from the safe, where it was stored, to the stove, which stood right in the middle of the waiting room. Soon, Howe recognized the brilliance of Hummel’s mind, and directed him to start reading case reports. Howe called Hummel “Little Abey,” and Howe repeatedly told his associates how smart his “Little Abey” was.

Yet, instead of Howe being jealous of Hummel’s superior intellect, Howe felt that Hummel’s abilities were the perfect compliment to Howe’s brilliant courtroom histrionics. And as a result, in 1870, Howe brought Hummel in as a full partner. At the time, Hummel was barely 20 years old, and Howe 21 years older.

With his reputation of being a sly fox before the jury, Howe handled all the criminal cases, while Hummel was the man behind the scenes, ingeniously figuring out loopholes in the law, which was described by Richard Rovere in his book Howe and Hummel, as “loopholes large enough for convicted murderers to walk through standing up.”

Howe was known for his dramatics in the courtroom, and was said to be able to conjure up a crying spell whenever he felt it was necessary. Other criminal attorneys said these crying spells were instigated by Howe sniffling into a handkerchief filled with onions, which he conveniently had stuffed into his coat pockets. Howe’s courtroom melodrama was so pronounced, he once gave a complete two-hour summation to the jury on his knees.

Howe and Hummel’s names were constantly in the newspapers, which with their ingenuity in getting off the worst of criminals, they were almost always front-page news. Whereas, in the newspapers, Howe was called “Howe the Lawyer,” Hummel was always referred to as “Little Abe.” There were rumors that the two shyster lawyers had several newspaper men in their back pockets, and there was more than a little evidence to prove that was true.

Howe and Hummel’s clients were as diverse as President Harrison, Queen Victoria, heavyweight boxing champion John L. Sullivan, John Allen (called by the newspapers, “The Most Wicked Man in New York City”), P. T. Barnum, actor Edwin Booth, restaurateur Tony Pastor, actor John Barrymore, belly dancer Little Egypt, and singer and actress, Lillian Russell. They also represented such murderers as Danny Driscoll, the ringleader of the street gang “The Whyos,” and Ella Nelson. Howe’s histrionics before the jury in Ms Nelson’s trial was so effective, he got the jury to believe that Ms. Nelson, who was on trial for shooting her married lover to death, had her finger slip on the trigger, not once, but four consecutive times.

However, probably the most outrageous defense Howe had ever perpetrated in the courtroom, was in the trial of Edward Unger. Unger had confessed he had killed a lodger in his home, cut up the body, thrown parts of the body into the East River, and mailed the rest of the body in a box to Baltimore. Howe had the courtroom, including the judge, jurors, District Attorney, and the assembled press, aghast, when he announced that Unger was not the murderer at all. But rather the true murderer was Unger’s seven-year-old daughter, who was at the time, was sitting on Unger’s lap in the courtroom. Howe, crocodile tears flowing down his chubby cheeks (onioned handkerchief?), said that Unger felt he had no choice but to dispose of the body, to protect his poor little girl, who had committed the crime in the heat of passion. As a result, Unger was found innocent of murder, but convicted on a manslaughter charge instead. Unger’s little girl was never charged.

At the peak of their business, Howe and Hummel represented and received large retainers from most of the criminals in New York City. These criminals included murders, thieves, brothel owners, and abortionists. In 1884, 74 madams were arrested in what was called a “purity drive.” All 74 madams were represented by Howe and Hummel.

Lawyer and legal crime writer Arthur Train claimed that Howe and Hummel were, during their time, the masterminds of organized crime in New York City. Train claimed Howe and Hummel trained their clients in the commission of crimes, and if their clients got caught doing these crimes, Howe and Hummel promised to represent them, at their standard high fees, of course.

In the case of Marm Mandelbaum, the most proficient fence of her time, Howe and Hummel were able to post bond for her, while she was awaiting trail, using several properties Marm owned as collateral. Marm immediately jumped bail and settled in Canada. When the government tried to seize Marm’s properties, they were aghast to discover that the properties had already be transferred to her daughter, by way of back-dated checks, a scheme certainly devised by Abe Hummel, but a crime which could never be proven.

During the mad 1870’s-80’s, in which the city was in the death grip of numerous street gangs, including the vicious Whyos, Howe and Hummel represented 23 out of the 25 prisoners awaiting trial for murder in the The Tombs. One of these murderers was Whyos leader “Dandy” Johnny Dolan, who was imprisoned for killing a shopkeeper and robbing his store. Dolan had invented an item he called, “an eye gouger.” After he had killed the shopkeeper, a Mr. Noe, Dolan gouged out both of Noe’s eyes, and kept them as trophies to show his pals. When Dolan was arrested a few days later, Noe’s eyes were found in the pockets of Dolan’s jacket. Even the great William Howe could not prevent Driscoll from being hung in the Tombs Prison, on April 21, 1876.

However, before Dolan was executed, he escaped from the Tombs prison, by beating up a guard. After his escape, Dolan dashed across the street to the law offices of Howe and Hummel. The police, following a trail of Dolan’s blood, found Dolan hiding in a closet, in a back office of Howe and Hummel. Of course, both Howe and Hummel denied any knowledge of how Dolan wound up in their closet, but the police were sure Howe and Hummel were in someway involved in Dolan’s escape. However, since there was no concrete evidence, and also because Dolan dummied up under police questioning, Howe and Hummel were never charged.

While Howe was an expert in criminal cases, Hummel was the mastermind in “breach of promise” cases, some of which Hummel invented himself. Hummel’s methods as a divorce lawyer, and as a petty blackmailer were an opened secret in New York City. Whenever Lillian Russell needed a divorce, and that was often (since she was married four times) it was “Little Abey” who came to her rescue.

No doubt, Hummel’s blackmailing/breach-of-promise schemes were a thing of beauty, as long as you weren’t the rich sap whom Hummel was scamming. It was estimated between 1885 and 1905, Hummel handled two to five hundred breach-of-promise suits. Amazingly, Hummel was so good at his job, just the threat of him bringing a breach-of-promise case to court, was enough for the rich gentleman, or more correctly, the rich gentleman’s lawyer, to bargain with Hummel over the price of the settlement, behind closed doors, of course, at 89 Centre Street. Because of Hummel’s discretion, not one of the victim’s names was ever made public, or entered into any court record.

However, Abe Hummel wasn’t a man to sit idly by and wait for “breach-of-promises” cases to come to him. When things got a little slow, Hummel sent two of his employees, Lewis Allen and Abraham Kaffenberg (Hummel’s nephew), to walk along Broadway and the Bowery looking for potential female customers, who had been wronged in the past, and didn’t realize they could make a bundle as a result of a past dalliance. Allen and Kaffenberg would explain to young actresses, chorus girls, waitresses, and even prostitutes, that if they could remember a rich man whom they had relations with in the past one-three years, that their boss Abe Hummel would be able to extract a sizable settlement from Mr. Moneybags. From this settlement, the girls would get half, and the law firm of Howe and Hummel would get the other half.

Sometimes these young “ladies” would tell the truth about their liaisons with rich men. However, sometimes the affidavits drawn up by Hummel were pure fiction. Yet the rich mark, who was probably married in the first place, would pay, and pay handsomely, just to have the case disappear, whether he was guilty or not.

Most of the time, Hummel never even met the rich mark, whose life Hummel was making miserable. Lawyer George Gordon Battle, sparred with “Little Abey” many times in these matters. Battle said, “He (Hummel) was always pleasant enough to deal with. He’d tell you right off the bat how much he wanted. Then you’d tell him how much your client was fixed. Then the two of us would argue it out from there. He wasn’t backward about pressing his advantage, but he wasn’t ungentlemanly either”

To show he was of good old sport about these sort of things, when the bargaining was done, and the payment made, always in cash, Hummel would provide his legal adversary with fine liquor, and the best Cuban cigars. Then Hummel, in plain view of the other attorney, would make a big show of going to his desk, where he removed all copies of the affidavits, and handed them to the victim’s lawyer, so that the lawyer could verify them as the proper documents. After the verification was done, the victim’s lawyer had a choice of bringing the documents to his client, or have them burned in the stove right in the middle of Hummel’s office. Almost always the latter course of action was chosen. After the affidavits were destroyed, Hummel and the other attorney would kick back their feet, toast themselves with the finest liquor, and spend the next hour, or so, laughing about lawyerly schemes.

Yet Hummel, in certain ways, was a man of principle. Hummel made sure that none of his blackmail victims were ever troubled again by the same girl who had scammed them in the past. Hummel once explained how he did this to George Alger, a partner in the law firm of Alger, Peck, Andrew, & Rohlfs.

“Before I hand over the girls share,” Hummel told Alger, “the girl and I have a little talk. She listens to me dictate an affidavit saying that she has deceived me, as a lawyer, into believing that a criminal conversation (what they called an act of adultery in those days) had taken place, that in fact nothing at all between her and the man involved ever took place, that she was thoroughly repentant over her conduct in the case, and that but for the fact that the money had already been spent, she would wish to return it. Then I’d make her sign this affidavit; then I gave her the money. Whenever they’d start up something a second time, I just called them and read them the affidavit. That always did the trick.”

So much money was coming into the law firm of Howe and Hummel, it is extraordinary that neither of the two lawyers kept any financial records at all. At the end of the day, both lawyers, and their junior associates, would meet in Hummel’s office. There they would all empty their pockets of cash onto the table. When the money was finished being counted, each man would take out his share of the money in accordance with the proportion of his share in the business. As time went on, this procedure was changed to take place on Friday nights only.

In 1900, Howe and Hummel were forced from their offices at 89 Center Street (the city needed the site for a public building). They relocated to the basement of New York Life Insurance Building at 346 Broadway. Soon after they moved, Howe became sick; then incapacitated. Howe stopped coming into the office, and instead stood feebly at his home at Boston Road in the Bronx. Howe was said to be a heavy drinker, and this had affected his liver. Howe suffered several heart attacks, before he died in his sleep, on September 2, 1902.

After Howe’s death, Hummel muddled on, as he had before, handling all the civil cases, and an occasional criminal case. However, the bulk of the trial work Hummel designated to two of his former assistants: David May and Issac Jacobson.

Hummel was 53 years old at the time of Howe’s death. He must have figured he had a good 10 to 15 more years to accumulate more wealth. However, New York City District Attorney William Travers Jerome had other ideas. It was the Dodge-Morse divorce case that was Hummel’s undoing. For years, Hummel had skirted around the law, and sometimes, in fact, broke the law, but there was never enough evidence to indict him. However, this time Hummel went too far. The Dodge-Morse divorce case dragged out for almost 5 years (Hummel was able to finagle delay after delay, using his thorough understanding of the procedures of the law), but in the end, District Attorney Jerome was able to get an indictment against Hummel for conspiracy and suborning perjury.

Hummel went on trial in January of 1905. The trial lasted only two days, and Hummel was found guilty. Still, Hummel was able to avoid jail for another two years. He hired the best lawyers available, hoping they could find some loophole in the law, or some technicality, that would keep Hummel from going to prison. But nothing could be done, and on March 8, 1907, Abraham Hummel was imprisoned at Blackwell’s Island, the same island, where in 1872, Hummel was able to have 240 prisoners released on a technicality.

Hummel left prison after serving only one year of his two-year sentence. Upon his release, Hummel traveled to Europe, and spent the rest of his life there, mostly living in France. Hummel, as far as it can be determined, never returned to his former stomping grounds in New York City.

After Hummel’s conviction, he was also disbarred. Furthermore, in 1908, the law firm of Howe and Hummel was enjoined by law from further practice, thus ending an era of lawless lawyering that has never been duplicated. Howe and Hummel are accurately portrayed in the annals of American crime, as the most law-breaking law firm of all time.

eTAS: A Web Based Time Attendance System

It is very essential to keep the productivity of a company measurable. This not only makes it easier to review the flaws in the procedures laid by the management, but gives an incite to make suitable changes in those procedures. If we try to keep track of all these measurable parameters through manual interventions, it will not only be expensive but inefficient and full of human errors. One of the parameters of measuring the productivity is how many hours your individual employees have worked, from what time to what time they have worked and what they have worked on. We have tried to bring automation to these parameters by introducing eTAS, a web based time attendance system.

Many conventional systems are available in the market catering to time attendance by means of access control system, i.e. keeping track of “in time” and “out time” of employees. We also provide this conventional system but we found many lacunae in this process.

1) You need to have sensors (proximity reader, biometric reader etc.) at both sides of the doors making it expensive and creating more hurdles in employee’s physical movements.

2) If one person tail gates through another person, wrong and unpredictable transactions are created.

3) You require to have a whole set of hardware even if you are using readers for only time attendance and not for security also.

4) You pay for hardware maintenance as well as data base management to an external agency or one of your own employee wastes his valuable time in doing this. The time which could have been utilized in doing more productive jobs.

Considering all these facts, we decided to go a step forward by providing time management system as a web service with the advent of cloud computing. The eTAS is used as a SaaS (Software as a service) hosted model or installed at the client site. Because, this software is available as a web based service, you don’t need to buy any hardware or software to start using it and it is via affordable monthly subscription and you get 60 days to try it free. So, eTAS is a web based employee time clock software and Time Attendance Management system. It has comprehensive reporting structure with complete leave application and management system. All your Employee details and transactions data are available on your web browser on real time basis saving you time, effort and hence money.

WHY eTAS?

Consider the following salient features and decide whether it will increase the productivity at your work environment:

1) eTAS is very affordable. Pricing depends on the number of employees in your organization and whether you want to host it at your site or you want to use is as a SAAS (software as a service).

2) eTAS is accessible via the Internet or your Intranet. As it is web-enabled, both users and administrators can log in using a wide range of browsers anywhere and at anytime.

3) eTAS may be configured to suit your work environment. Every business is unique and one general method may not be suitable to everyone.

4) eTAS doesn’t demand any expensive hardware or infrastructure to use. It uses existing hardware in order to achieve its full potential.

5) We are committed to keep upgrading eTAS as and when the internet environment changes so you don’t have to worry about future updates and changes.

How to Hit Your Target Market Bullseye Every Time

THE IDEAL CUSTOMER: ME

My experience as a customer got me to thinking about how nutraceutical marketers seem to ignore me.

I’m in a market segment best labeled as “grumpy old men” (GOMs).

No, seriously.

I know I’m in it because my wife keeps telling me so. Old. Irritable. Curmudgeonly.

And I feel ignored by supplement companies.

How so?

For one thing, I’ve subscribed to numerous online newsletters about alternative health. What I’ve received is invariably so generalized that I get the impression the businesses sending them out don’t even know I exist.

This is surprising, since I exhibit two of the top criteria of an ideal customer.

First, I have spendable income that I allocate to supplements.

Second, I’m very, very concerned about how to slow down age-related health challenges.

That’s just a start.

If you’re doing good research, you’ll know a few additional useful tidbits for marketing to me and my fellow GOMs.

Like everyone else, we have certain typical needs. We want to feel significant. We want you to know us and acknowledge our biggest health concerns.

Talking to me and my fellow GOMs will also tell you that we don’t think of ourselves as “old.” We despise feeling obsolete or removed from the mainstream youth culture.

We are increasingly concerned with longevity.

We are readers and information seekers. This characteristic alone makes us responsive to advertising.

Okay, right there are some major characteristics you can use for persuading me to know you, like you, trust you… and buy from you.

GOMs represent more than 10% of the U.S. population. Adding our age-group females to the equation more than doubles the market size.

I’m more than just a customer who’s feeling ignored.

I’m also a marketer who has figured out how to hit the market bullseye for my segment. And the strategy I discovered works for all other market segments, too.

My experience marketing a paid subscription newsletter illustrates what I found.

The conversion rate hovers right around 30%, with subscription renewals at about 75%.

That’s a pretty good conversion and a very low churn rate.

What I did was to first survey my free-subscription list to find just one demographic – fellow seniors with my same health concerns.

Then I sent that group to a landing page specifically designed to address their needs.

That’s it.

EASIEST WAY TO HIT THE TARGET

What I’ve described is widely known among marketers who use email marketing.

This practice is known as list segmentation.

In other words, carving out one particular segment of a bigger subscriber list, then addressing the particular needs of that segment.

Conceptually it’s nothing new. It simply capitalizes on the old marketing adage about finding out what people want, then providing it to them.

What I did has three key components that apply to all markets.

1) Define and select a target segment from a larger list.

This is pretty simple, since email hosting services have already set up the technical steps for list segmentation.

2) Create persuasive marketing copy that pushes all the hot buttons for that segment. This is crucial for getting people in your target segment to take the action you want them to take – i.e., buying your products.

In a nutshell, this step is all about communication. If Anthony Robbins’ definition is correct (and it is) – communication is the results you get.

If people aren’t buying, you’re not communicating.

3) Rinse and repeat for every segment you want to hit.

There’s no limit to how many segments you can define in your list.

I’ve mentioned just a few. The number seems limitless.

My best-ever copywriting mentor, Joshua Boswell, once mentioned that he sliced up a client list into 72 segments. 72!

My experience is not unique. It’s a common story that applies to every marketing segment in every industry.

Wait, there’s more!

BONUS BENEFIT TO YOUR ROI

Uncovering high-value customers via list segmentation also has a beneficial flip side. It lets you cull out ‘deadbeat’ subscribers.

I don’t mean to be cynical here. The truth is you probably built your list based on a bait piece, a free offering of some sort. That’s a good start. People love free stuff.

However, the vast majority of people who get free information won’t buy from you. They’ll most likely even ignore your emails, without ever unsubscribing. They just hang around on your list forever, buying nothing.

While that may be puzzling and maybe even annoying, it can also be costly. Email hosting providers charge more as your list grows. Eliminating ‘eternal non-buyers’ lets you trim your list down to actual and likely buyers.

Thus, the cost savings can be substantial. And spending time and money just on who’s left can skyrocket your ROI.

NEXT STEPS

So far I’ve merely outlined the concept of list segmentation and what you can expect from it. It’s clearly a fundamental strategy behind successful email marketing.

Of course, all the high-tech bells and whistles of list segmentation still depend on persuasive copy. Ultimately, that’s what drives every marketing strategy, no matter the platform.

That’s where I come in.

Efficient Invoicing Strategies for Freelancers and Web Designers to Get Payment on Time

When it comes to managing the finances of a business, it is certainly not a very exciting task. It can prove to be quite cumbersome and boring. Moreover, if one is not from accounting background, managing finances will seem like a herculean task. And the fact is that most of the designers do not prefer to take care of finances even if it is an integral part of a business.

In order to run a designing company successfully, mere designing skills are not sufficient. You need capital to run your business successfully. And for that you need to send an invoice to your clients so that they can send you your fee. Mentioned below are some great freelancing tips for freelancers and designers who are about to start their own company.

First and foremost, you need to find a powerful and a robust invoicing solution. Although there are plethora of online invoicing apps available. These online invoicing apps are designed keeping in mind the requirements of freelancers. Some of these apps are available for free, while others come with a price tag. The paid invoicing apps are available in different price range. The price of an app depends on the features provided by it. The more features an app has to offer, the higher will be the price.

Other than generating the invoices, an online invoicing app also helps a lot in saving a good amount of time and allows you to manage an archive of invoices in an efficient manner. An effective professional invoicing application helps you in searching previous bills, figuring out received funds. It also makes other such tasks a lot easier. Therefore, you should select an invoicing application carefully based on your basic requirements. Some apps are available with just one time fee, while others are available with a monthly subscription fee.

Secondly, you need to keep your clients well informed. Whatever policies you have set for your business, for instance- payment terms, hourly rates, pending amounts etc should be conveyed to the clients very clearly. If a client finds something irrelevant in the invoice, they may want to clarify it and this will result in a delay in your payment. Therefore, it is imperative that when you send your invoice, you should make sure that the client is aware of everything that you have mentioned in the invoice.

Thirdly, you should define all your policies well. Good clients always pay on time. But sometimes due to certain reasons there could be a delay in the payment. Here is what you should do if a client does not pay on time.

1.Determine how many days you want to give to clients for late payments.

2. Decide the amount of late fee that would be levied.

Once you set up the policies, you should also be flexible enough to accommodate some exceptions. For instance- if a client has a genuine reason for the delay in the payment, you should waive the late fee.

Fourthly, you should include your contact details in the invoice. Your contact details should be there stated clearly. Also, you can include some basic information about your business. You can include information like you name, company name, address, contact number and the email id. Including your contact details makes sure that the process gets accelerated and the client knows whom to contact if the need arises.

You should also include client’s information in the invoice. This is very important. It helps in establishing the fact that you are expecting payment from them. And if there is a non payment issue, you can always use the invoice as an evidence.

Another important thing to be mentioned is the due date of the invoice. State clearly by when the client should make the payment. If you do not mention the due date, you will not be able to implement your late fee policies. After designing the policies for non payment, you can include them as a note in the invoice.

Lastly, and importantly, you must mention the mode of payment which you accept. This will help clients in knowing how to transfer your fee to you. Also mention the details of the recipient. If you miss out on any important information, it may delay your payment.

Exit mobile version