Seeking for Good Payroll Services

A management of a company will always get busy with various things. Finance department is amongst the busiest departments in an office and they do the very important job of keeping track of the overall finance condition of a company. Amongst of the tasks they have, there is the task to calculate the salaries of employees. Prior to the pay day, the busyness will become very clear. Many companies are not just calculating the salaries of their employees but also calculating the amount of taxes to be paid by the employees. All of the transactions will need to be recorded for tax purposes and auditing.

This is no small task and it can be quite stressful. When a company doesn’t have a specific department that will be focused on taking care of financial management, hiring the payroll services will not be a bad option. This kind of service is highly beneficial and not just something convenient. From time to time, the service will help companies to get the right calculation for the paycheck of their employees. The business owner will be able to get free time for other important things and that’s a real good thing. However, trusting this kind of matter is risky. There will be several things to be properly considered.

First of all, it’s important to pay attention to the reputation of the service that will be hired. The very similar service will be provided by some companies and it’s important to make sure that this task will be done by trustworthy company. It won’t be easy to choose one truly good companies. The easiest possible way is to find the ones with good reputation and compare them. While the process of selecting the best will take time, it won’t be easy to be convinced by them but it will be beneficial.

Prince Made Us Dance & It’s Healthy

There has been a lot of dancing in the streets and reflections on music as a backdrop to life experiences. In musing over the changes that occur when the music from a legendary artist stops, we don’t think about the importance of music in helping us stay healthy.

Moving more and eating less means fitting exercise of some type into your daily routine. It is recommended that you get in at least 30 minutes of physical activity a day. Can you imagine the challenge of fitting exercise into your schedule sans the music? Some of my clients choose stepping out to walk a mile or two, others sign up for the nearest organized fitness class and others enjoy sliding into dancing shoes to Step, Salsa or Electric Slide. Though it is not a scientific observation, I’ve been known to drop or reschedule an aerobics class when the playlist from the instructor is not tracking to a beat that motivates me.

There have been a number of studies exploring music as medicine. Music has positive effects on reducing stress and anxiety, lowering blood pressure, aiding in pain management and encouraging rhythmic movement. In addition to music’s positive impact on well-being, music enjoyment elicits dopamine release. Dopamine is the chemical in the brain that affects emotions, movement and the sense of pleasure and pain. Dopamine release has also been linked to increasing motivation, which has been linked to learning and memory.

Stress Less and Listen More

Listening to music you enjoy can reduce the levels of the hormone cortisol in the body. Cortisol is an essential hormone that is released in the body. It is typically released in response to events and circumstances such as waking up in the morning, exercising, and acute stress. Stress can cause illness and disease. One study found that people who participated in making music by playing percussion instruments or singing have their immune system boosted more than if they passively listened to music.

Music can also aid in improving athletic performance and motivation.

Consider how many professional athletes you see with headphones or earbuds during their pre-game routines. It works for weekend warriors too. The sound of upbeat popular tunes we enjoy can create the extra boost to stay focused on the task at hand and complete a few more steps or reps of the daily workout.

Music and Aging

Enjoyment of music does not age out. Listening to music can be very beneficial to older adults. It can elevate mood and make folks feel happier. Research has also found that in people with Alzheimer’s disease or dementia, listening to music is beneficial. The non-profit organization “Music & Memory” helps people with Alzheimer’s disease and other age-related memory challenges remember who they are by having them listen to their dearest song.

Music and Food

Music is relaxing. By relaxing at the table and not rushing through a meal, you will enjoy the food more and are less likely to overeat. Researchers from Georgia Tech University showed that by softening the lighting and playing music while people ate, the people in the study consumed fewer calories and enjoyed their meals more.

Good health is holistic. It is important to eat well and make wise food choices. Include exercise, music and relaxation activities, as well as appropriate amounts of rest in your daily routine. By embracing actions to boost your physical and mental health, you’ll be able to keep the music playing for well-being.

Join a Gym Today and Feel Inspired

It’d wrong to think gyms to be time consuming. They are not. Rather, they are one of the best places to be as they keep you fit and deliver a lot of health benefits. How can you consider gyms to be needless expense when they help you in so many ways? They are actually one of the best investments you would every make. Yes, they are. They help you understand the true meaning of life; they let you relish real essences of life. They keep you fit and only a fit individual can lead a happy and contended life.

Many people won’t think twice before spending lavishly on new clothes and vacations but when it comes to gyms, they become sort of reckless. They are pretty fine with their daily jogging at the park or running around the garden outside. Ask them to join a gym and they will sneer at you as if you have asked any special privilege from them. They think that lifting dumb bells at home is all what they need to stay fit for rest of their life. They are wrong, as it won’t suffice. They have to do more to gain total fitness and holistic health.

Joining a gym is much more than just toning and sculpting the body; it’s about getting an inspiration from others out there and understanding the true meaning of fitness and health. A gym is a place where one meets new people, know their commitment to fitness and health and become familiar with the zeal of health-conscious and fitness-minded freaks. Gyms are a place where a lot people do workouts to not only shape their body but also to make good lifestyle choices. After all, health is considered the biggest wealth and those who know it, try their best to remain as healthy as possible.

Gyms today are not what they used to be as they have changed a lot with the changing of tastes and preferences of the people around. They no longer give total focus to the physical part of the body alone. For them, bringing benefits to the body and mind together is now the foremost priority. This is why they run a variety of classes, including yoga, Zumba, Pilates and tabata to deliver health benefits in varied shades. Gyms today understand the value of providing a stimulating and fun environment so that people can do workouts together with enjoying every minute of their stay.

In a sense, you should not take gyms lightly as they are a place where people go and gain holistic health. You can join one of best gyms around and feel the difference. You can extend the life expectancy and learn a lesson or two about the true meaning of life. You can stay fit and enjoy all the riches a life has to offer. All you need to do is to take some time out on a daily basis and show some commitment. So, take a gym membership today and take a giant step towards attaining total fitness.

Secrets of Bonding 125: Surety Bonds in the Bizarro World

There have been 24 movies about Superman, but I loved the original TV series starring George Reeves (the Real Superman). Even before that, there were the Superman comic books published by DC Comics.

The character, “Bizarro #1,” first appeared in 1958 – a mirror image of Superman but from a world where everything was opposite from that of humans. That was over 50 years ago, but strangely, there is a little piece of Bizarro World that still survives today. It is alive in our surety rate system. See if you agree…

Example #1

A contractor has won a $1 million contract. The specification calls for a 50% bond: $500,000. The surety’s maximum exposure is $500,000.

Bizarro Fact: The bond rate is based on the contract amount, the full $1 million!

Example #2

Sureties often issue a Performance and Payment Bond in a single combined instrument that states a single dollar amount (penal sum). However, if required, they will issue two separate instruments, one Performance and the other Payment, each with it’s own penal sum (double the amount in the combined bond form.)

Bizarro Fact: When required to issue this double bond amount, the bond premium remains the same as for the combined bond form!

Example #3

The contractor has already started the project. Now it has been verified that 50% of the work is completed and accepted by the project owner. It is confirmed that all related bills have been paid. It is apparent that 50% of the exposure has been eliminated.

Bizarro Fact: The bond costs the same as if it had been issued at the start of the work. There is no reduction or recognition for the portion of the exposure that has been eliminated.

Example #4

The contractor has negotiated a $1 million contract. Now the project owner has indicated that a P&P bond must be provided. The surety states that the cost of the bond will be 2% of the contract amount. Is it 2% of $1 million or $20,000?

Bizarro Fact: The correct calculation is 2% of $1,020,000 or $20,400. The bond premium is calculated on itself, even though it cannot be classified as part of the contract exposure.

There you have it. The Bizarro World we actually live in. Naturally, there are justifications for all the procedures sureties use, but at face value, they seem pretty strange to outsiders.

Steve Golia is an experienced provider of bid and performance bonds for contractors. For more than 30 years he has specialized in solving bond problems for contractors, and helping them when others failed.

The experts at Bonding Pros have the underwriting talent and market access you need. This is coupled with spectacular service and great accessibility.

Mergers And Acquisitions In Cyprus

The major legislation that regulates mergers and acquisitions in Cyprus is the Companies Law (Cap. 113). In particular, the sections 198-202 contain provisions about mergers, reconstruction and amalgamation of companies, and exchange of shares between two or more companies. Other important legislations are the Control of Concentration Between Enterprises Law (22(I)/ 1999) and the Safeguarding and Protection of Employees Rights in the Event of the Transfer of Undertakings, Businesses or Parts Thereof (104/(I)/2000). The first one promotes fair competition and the second one safeguards employees’ rights in the event of a transfer of undertakings.


First of all, the companies involved in the merger or acquisition must apply to the Court and then schedule a general meeting of the shareholders of both companies. During the meeting, it is determined if it is required to arrange the liabilities between the shareholders and the creditors. It should be pointed out that the company being merged shall be wound up without going into liquidation and its assets must be transferred to the acquiring company.

According to the provisions of section 198, the merger or acquisition proceeds under the condition that the three-quarters of company’s management approve the transaction. Then a scheme is drafted and it is presented to the auditors. Once the scheme is approved, the companies may file the last petition for approval with the Court. Note that the petition should be accompanied by a sworn statement of one director in each company. Afterwards, a copy of the agreement must be submitted to the Registrar of Companies. Finally, the board of directors of each company will draft a resolution that will determine the reorganisation plan and each company will be obliged to follow this particular plan.

It should be pointed out that regarding public companies, the merger procedure will be the same except for minor changes in the merger plan which must contain:

the name;
the form of the registered office of the companies;
details about the transfer of shares and the amount of money;
information about the allocation of shares;
the exact date when the new shareholders will have the right to profits;


From a tax point of view, the primary benefit of mergers and acquisitions is that profits derived by the dividends are exempt from the corporate tax. Moreover, mergers and acquisitions are not subject to VAT in Cyprus. Another considerable advantage is that profits generated from the transfer of immovable properties during the merger or acquisition are exempt from the capital gain taxation. In addition, regarding the transfer of immovable properties is not required to pay the transfer fee.

How to Boost Your Energy Easily and Naturally

Despite all these healthy options, it is almost too easy to rely on sugar and caffeine to boost us when we are feeling down or lethargic. Instead, here are some healthier energy booster ways which will sustain better energy levels over the long term as well as in the short term. Furthermore, these will improve overall health rather than providing a quick fix which can be instead detrimental to health.

The first recommended natural energy booster is getting more sleep. This can seem a very difficult thing to do when we are excessively busy, but this does not stop it from being one of the healthiest habits that you can get into that will not only give you greater mental and physical energy, but will also help heal your tired body.

The body repairs and restores itself at night, and sleep is also necessary for our minds to process what we have been doing throughout the day. Therefore, a good, long sleep every night will leave us brighter, less stressed, and with our body performing at its best.

Of course, this can be difficult to achieve if we have very busy, demanding lives. For this reason, it is necessary to put in place several small practices which can boost the quality and length of your sleep. This can include setting a strict curfew every night, using essential oils such as lavender on your pillow, or having a warm, relaxing shower every night before bed.

These steps you take to relax, wind down and be in bed by the right time every night will help you sleep better, even if initially these will take some getting used to. It is said that, it takes twenty-one days to form a habit, so commit to a better sleep routine for this length of time and see how your energy levels and life quality can change.

Our next recommendation is using herbal and mineral drinks as a regular energy booster on a daily basis. There are several excellent herbal remedies on the market nowadays in drink form, all of which contain unique ingredient lists of herbs and minerals that have been used for centuries to improve health.

Some of these ingredients – such as iron and magnesium – actively will boost your energy levels, and with other herbs will work to boost your overall health. As mentioned above, better overall health can make you feel a million dollars and generally have much higher energy levels.

If you want to do something good for your health and have more energy, try a herbal supplement drink, preferably with added minerals such as iron or magnesium, which humans can tend to become deficient in. Replace one of your daily coffees or colas with this and your body will reap the health benefits.

Lastly, cut down on unhealthy energy boosters which will give you energy in the short term but will cause you to crash afterwards and put you in an unhealthy cycle of ups and downs. These include endless teas, coffees and sugary and high carb snacks to keep you going.

It is often impossible to give these up completely, and many enjoy one or two of these as a treat every day. However, ensure that you do not rely on them, instead replacing most of them with healthy options such as a herbal energy booster and fresh fruit, and put in place a healthier sleep routine to make you feel brighter and in better health overall.

Top 2 Home Remedies For Ringworm

Ringworm can be stubborn to treat especially when it affects the toenails, fingernails and scalp. Ringworm is caused by fungi (microorganism) known as dermatophytes. They flourish in warm, moist environments. Ringworm can be very itchy and can even affect one’s self-esteem especially in severe cases. I really dislike ringworm. I had it a couple of times on my scalp when I was younger. It is common among children and adolescents but it can also been seen in adults. Ringworm is contagious. It can be transferred through direct contact from person to person, pet to person. One can get it indirectly from clothes of infected persons, combs, brushes and infected moist surfaces like locker room floors. The soil also harbor the spores of dermatophytes.

Ringworm is medically known as Tinea. Another word is added after ‘Tinea’ depending on the affected area. On the scalp ringworm is called tinea capitis (characterized by hair loss in patches and itching), on the hands it is known as tinea manuum (raised round shaped itchy rashes or tiny blisters which can be seen on the palms, back of the hand or on the fingers), on feet it’s called tinea pedis or athlete’s foot (peeling of the skin between the toes, scaling on the heels), on the nails it’s called tinea unguium (loss of nails, nails become yellow, thick and crumbly), on the groin it is known as tinea cruris or jock itch (symptoms include redness and persistent itching at the groin area), on the body it’s called tinea corporis (round shaped rashes with raised edges on the skin), on the face it is known as tinea faciei (red scaly patches on the face).

Symptoms of ringworm appear within a few days of infection. In severe cases, it is best to seek medical help. Home remedies work best in minor cases.

Home Remedies:


Garlic is used as a food spice and medicine in different parts of the world. This wonderful spice has antimicrobial effects against many strains of bacteria, fungi and virus. It was also used by ancient Egyptians for food flavoring and traditional medicine. The amino acid Alliin is one of the main active constituents of garlic. This Alliin and its derivatives like allicin, ajoene are responsible for its strong smell and antimicrobial benefits.

A study published in 2007 tested the antifungal property of garlic. In the clinical test, an aqueous extract of garlic was used against 88 clinical isolates of dermatophytes. It was confirmed that garlic inhibited the growth of these organisms. The downside is that people who are allergic to sulfur compounds can be allergic to garlic. This is because sulfur compounds are also present in garlic. So first try in small quantity over a small uninfected area to know if you are allergic.

How to apply: Mash a few cloves of garlic. And apply on the affected areas. Apply two or three times daily. You can wash off with warm water after some hours. Another method is to slice a few cloves of garlic into tiny pieces and place on affected area. Then tie with a bandage. If someone is helping you to apply, make sure the person puts on disposable gloves to avoid getting infected.

Apple Cider Vinegar:

Vinegar has been used for many years as disinfectants and preservatives. Apple cider vinegar is a vinegar derived from apple and is an effective remedy for ringworm. Apple cider vinegar is made up of antimicrobial constituents like acetic acid which inhibits the growth of microorganisms. A lot people have attested to the effectiveness of apple cider vinegar for treating ringworm. This is as a result of its anti-fungal property.

How to apply: When first applied, it can have stinging effects but it will help in treating ringworm. It should be used in small quantity first in an unaffected area to ascertain if you are sensitive to it. If there are no reactions, you can apply on affected areas. Apple cider vinegar should be dabbed on the affected area with a cotton ball 3-5 times daily. For the toes or nails, mix a cup of apple cider vinegar with warm water. Soak affected area for 15 to 25 minutes. Dry with a clean towel. Use organic apple cider vinegar because its nutrients and enzymes are still intact unlike the non-organic that has gone through pasteurization.

Warning: Do not apply apple cider vinegar on broken skin because it will give you a severe burn.

Important Tips

Maintaining a good hygiene is very important for preventing and treating ringworm.
Ringworm is highly contagious so you should avoid sharing personal items like combs or towels or even clothes when you or someone close to you is infected.
Another alternative is to mix vinegar and salt until it forms a paste. Apply on the affected area for 5 minutes then wash off and dry the area. Do at least twice or thrice daily.
For your pet, you can apply garlic on affected area. Or you can mix apple cider vinegar with warm water and rinse affected area after bathing your pet.
Make sure you wash clothings that have come in contact with the infection.
Try to keep affected areas clean and dry.