Category Archives: Bat Mitzvah Planning

Medicaid Eligibility Planning

Seeing as Americans are living longer, it is essential to plan for life after retirement. This includes medical coverage and Medicare or Medicaid. Medicaid planning is an important part of life for older individuals.

We all know that the cost of nursing homes is very expensive and it is costing more each year. The costs could range anywhere from $ 3,000 to $ 10,000 per month! Recent studies have revealed that people spend an average of 30 months in a nursing home. Many people pay for these nursing homes with their own money, often depleting their life savings. This is not always necessary. If you plan properly, Medicaid can help cut these costs, allowing you to leave money to your heirs instead of spending it all on nursing home costs.

Medicare Part A refers to hospital insurance which covers up to 100 days in a skilled nursing facility. However, Medicare has a restrictive definition of skilled nursing. Many times, nursing home care will not be covered under Part A. Medicaid is the only option that people have to help pay for the cost of a nursing home. Unlike Medicare, Medicaid is a program that is based on financial needs. You will be required to pass an asset and income test to become eligible for the Medicaid benefits. On the other hand, Medicare is available to anyone over the age of 65 and does not consider income or assets as part of the required qualifications.

You must pass a three part test to meet Medicaid eligibility requirements. The test is broken into sections which includes your medical necessities, your age and disabilities and your financial situation. You must meet the requirement of all three sections to become eligible for Medicaid.

The medical need portion is based on any medical restrictions the individual may have. These restrictions must limit your ability to perform daily tasks. The requirements are that the individual must need daily care, skilled nursing, continuous observation, the need for a registered nurse and medical needs that are not typically offered by a hospital.

To be eligible, you must be over the age of 65 or have a disability. For example, if you are disabled and are only 60 years old, you will be eligible for Medicaid.

Your income and assets are an important part of eligibility. All individual assets and income will be considered when determining eligibility. The exact amounts will vary per state. Asset tests will vary depending on whether the individual is married or single. The amount of assets allowed will be determined by the marital status. The income cap per month also varies per state.

The income test often presents problems when you are applying for Medicaid. If your monthly income level is over the specified amount, you will not be considered. Many times, that set amount is far less than the cost of monthly nursing home care. This often leaves individuals in a situation where they earn too much to get Medicaid, but not enough to pay for nursing home care. This situation is referred to as the Medicaid Gap.

Since there are so many factors determining the eligibility for Medicaid, planning is very important. You must consider all factors and try to determine what your medical needs will be later in life. This can be very difficult. The financial aspect is also a difficult situation to deal with. Often times, people are forced to spend their life savings just to become eligible for Medicaid programs so they can receive nursing home care. Proper planning can alleviate some of these stresses.

You have one shot at submitting an application form to Medicaid. Do not submit it until it has been reviewed by an expert – it could cost you tens of thousands of dollars. Contact us for an expert evaluation process.

States typically offer online forms that you may download and print, however no states allow you to currently apply for Medicaid online and submit the form online.

Learn how to protect your assets from potential frivolous lawsuits, preserve your wealth by recapturing lost tax dollars, defer capital gains taxes, eliminate inheritance taxes, reduce taxes on your income streams, eliminate probate and estate taxes. You will receive tax efficient wealth transfers to your next generation. We will utilize means of domestic LLCs and international offshore tax haven strategies and customize our program to meet your highest yield expectations and more. Contact us today if you have any questions. Rocco Beatrice, CPA, MST, MBA, CWPP, CMMB, CAPP, BSBA
Asset Protection – Medicaid Eligibility Planning
Boston, MA: 71 Commercial Street #150 Boston, MA 02109
toll-free: 888-93ULTRA (888-938-5872) tel: +1.508.429.0011 fax: +1.508.429.3034

Garden Shed Plans and Planning

Everyone who owns a house knows that property upkeep can be a chore. It takes a slew of tools and lot of time. Many things can be done to make this task easier. Organization tops my list. Performing your maintenance is hard enough, and keeping up with your tools should not add to this.

Storing your tools in a dry, organized environment will go a long way toward helping you save time. Many people do this in their garages, but this monopolizes the space and can make a mess. The best way to keep your outdoor tools organized is with a garden shed.

Once you have decided that you need a garden shed, the next step is to decide whether to buy or build one yourself. There are several choices available at the box stores and from independent dealers. These options often leave you wanting for more. While they may serve your purpose, they are often poorly constructed and look like a mass-produced afterthought. To save money and get exactly what you want, I recommend building your own using a good set of garden shed designs.

You might say that sounds too hard or think you don’t have enough building experience. With the proper planning and guidance, building a garden shed can be a very educational and enjoyable project. The internet is a wealth of information and it is almost impossible not to find answers to questions you might have.

If you get garden shed designs and a how-to guide before you start, you just can’t go wrong.

Start your project by considering the size space you will need to neatly store your tools. Don’t build the minimum. You will only regret it. A cramped, disorganized space will only be a frustration. One huge benefit of building your own garden shed is that you can pick the design and façade. A clever trick is to mimic the design of your house; this will make the shed look like it was meant to be there and not just an afterthought. Plan the placement for easy access and also for aesthetics. Since the point of a garden shed is to make your yard work easier, place it where you can get to your tools without going out of your way.

Taking on the project of building a garden shed will be much easier with plans and a materials list. Shop around and get bids from different suppliers. Often they will beat each others prices and you will save money. If you use a lumber yard you will likely build a relationship with your sales rep and have a good go to person if you run into any snags. Get your materials, follow the design, and have fun.

For more information on garden shed designs and construction please visit Build Your Own Shed

Retirement Planning Or Longevity Planning

Should you go with conventional retirement planning or longevity planning for your golden years? The relatively gloomy conditions of the national and global economy has not stopped some seniors and advisors from coming up with a new way to plan for retirement. Longevity planning offers the older worker a host of new products and options designed to help fund a breed of retirees that finds conventional planning outdated and unwieldy for the conditions of today.

Two investment experts who worked together on a retirement and investment study for the year conclude that longevity planning can be more beneficial for workers aged upwards of 44. The study, conducted by financial firm The Hartford, also says that more Americans look at government pensions (including Social Security) as their prime income source for retirement. The figure is now at almost 39% of all participants, compared to about 26% four years ago.

Today, it is safe to say that many investors and financial experts find Social Security payouts inadequate when it comes to being a main source of funding for retirement. This year, more than 85% of all participants said that they were no longer confident about Social Security benefits and its boost towards their overall nest eggs, compared to about 81% four years ago.

MIT AgeLab founder Joe Coughlin says that the Baby Boom generation needs to influence retirement security for the better by embracing a consumer-driven retirement. He also says that the retirement finance industry needs to constantly update and appraise its products and services to resolve the concern of inadequate retirement funding as problems arise and get more complex. Today, around 75% of all respondents say that they need to take the initiative and work out their own financial solutions for the problems surrounding retirement, compared to only 71% in the 2006 survey.

Today, there are not that many products and services that move the focus of planning around longevity, and not the conventional concept of retirement. John Diehl, The Hartford senior vice president, says that there needs to be more research and development from financial service providers about the longevity concept, while Coughlin states that the 529 plan is one such tool that is already in place. This plan is typically used to save money for education, but may also be used to pay for the educational expenses of a senior or retiree who wants to learn more and work in a different industry. Alternatively, it can be used for updating the financial strategies surrounding your retirement planning or longevity planning.

Katherine Smith is an author who specializes in financial topics concerning seniors. Puritan Financial Group gives seniors reliable investments and professional advice that can help them attain retirement security. For more information on how Puritan Financial Group can help you, please visit our website at http://www.puritanlife.com.

Retirement Planning

Planning for retirement can be a difficult and stressful task especially considering the vast number of options for elderly homes that are presented before you. This does not necessarily have to be a tough task if you plan appropriately and look for facilities that are most suitable. The first step you can take for yourself or for your loved would be to review the individuals needs which are the foundation on which you will be able to find a living arrangement. Moving into a new arrangement requires a high level of adaptation and adjustment from the individual and hence it is necessary to find the place that not only suits the needs but also the interests of the person. As people age they may require some form of assistance be it in the form of daily assistance like cooking and cleaning or more controlled assistance with respect to medical care.

For individuals who require a higher level of medical care and medical assistance there are senior living facilities such as assisted living housing that help them receive adequate medical attention and all round care. These facilities were created keeping in mind the need of individuals either with critical ailments or with debilitating diseases like Alzheimers. Before choosing any facility it is necessary to keep the cost factor under consideration. The costs of these facilities are not covered by Medicare and hence individuals need to find a place that suits their needs as well as their pocket. Alzheimer’s facilities have a stringent set of guidelines that they must follow and it is important to review if these facilities meet the government guidelines and are a secure environment for you or your loved one. There are several facilities like continuing care retirement that provide a more wholesome and comprehensive atmosphere. These facilities have independent living facilities and assisted living centers under one roof and can shift individuals depending upon the change in their needs.

While choosing an assisted living housing there are several parameters that need to be maintained to ensure that you find the best possible facility. Costs can be a mitigating factor and hence it is crucial to be clear with all the costs that may be incurred by you including the variable costs. Location too is a deciding factor while choosing a retirement facility. Most individuals want a facility that is close to their children and grandchildren and enables them with the opportunity to keep in touch and be connected. Research is also important to find the credibility of a particular facility to ensure that it is indeed a safe environment for you and your loved one and will be well suited to provide them with adequate care and comfort to spend their Golden Years.

Horizon Bay’s retirement homes, senior independent living communities and assisted living communities redefine life for seniors where they are respected as individuals and encouraged to live life more meaningfully.

Career Planning

Career concerns as well as career aspirations are shared across countries.
Opportunities and choices should be available for all people, regardless of
sex, socio-economic class, religion, disability, sexual orientation, age, or
cultural background. Career decision-making is not something that happens only once in a person’s life but, rather, it is an ongoing process that might take place at any age.
It is not necessary to implement all of the suggestions at once in order to establish a service that provides career assistance to students. It is useful to have local, national and international information regarding the various educational programmes that are available. Career counselling and advising can be done in different ways including working with students individually or in groups.

The usual process of career counselling involves facilitating greater self-awareness, linking individuals to resources containing labour market
Information, increasing awareness of options available (including further
Study/training opportunities, work shadowing/experience/volunteer work as
Stepping stones towards long-term goals), assisting with the decision-making
Process and teaching job search strategies.
Individuals need to gather information about the kinds of jobs that are
Available to them. Setting both short-term and long-term goals is also a useful activity for students to engage in. Personal friends are also possible resources for students and can help provide support and feedback. It is expected that students would find the resources beneficial in assisting them with the career development and job search process.
The process of career decision-making in this Context might increase career choices and opportunities for students. The field of career Counselling and guidance is continually shifting and changing to reflect the changes in society and in the world of work.

There is generally a lack of career guidance provision for students in tertiary education, despite the
Significant cost of such studies. One is finding a resource where you can explore objective information about career paths, including salary data, employment trends, what degrees are required, what an average day might be like, and what work is done in different fields. Originally focused on the problem of career decision making of students, the issue now encompasses a broad life spectrum because of the increased frequency of events that require people to revise their career decisions over their life span.
Unemployment, career indecision, career decision making, work
Adjustment and career education among others need attention in all
countries.’ involving globalization and restructuring of the workforce. Individuals are naturally presented with career choices throughout their lives.
This kind of information may be found through books or
websites, as well as through a labour market information service that tracks
current labour market trends and opportunities in the region or country.
Individuals may need assistance with job search strategies such as writing a
résumé and cover letter, learning interview skills, and knowing where to
look for jobs that are advertised as well as those jobs that are not
advertised.

Self-awareness:
1. What are my values?
2. What are my skills and abilities?
3. What are my interests?
4. What is my personality style?
5. What other life roles are important along with my job or occupation?
6. What are the family and cultural influences on my career path?

Planning job search

Researching prospective employers
Self-assessment from employer’s
perspective
Written communication
Networking
Interview preparation
Interim job possibilities
Strategies to uncover the hidden job market

.

Get complete information about your career planning and colleges in india. know about latest details and new courses offered by ICFAI hyderabad, and complete details about Colleges in Hyderabad and

Planning for 2011

Budgeting and developing strategy for 2011 should be near the top of your ‘to-do’ list right now or be bedded down already.  People complain about being too busy and never having enough time, however if you do not make time for regular planning you will let everyone down.

Make time to work on:

Forecasting
Evaluating staff hiring and implementing staff development plans
Ensuring that your marketing calendar is planned through to June 2011 at a minimum

Right now we are working with several clients on their sales plans for 2011 as well as planning out their 2011 sales training schedule.

Here are several ideas for you to consider.  The questions below should be handed to each of your management team and each person should prepare their answers.  Ask them not to be soft in their responses, and to set aside some quiet time to apply the appropriate amount of thoughtful reflection and analysis in compiling their individual answers.  Have everyone compare their responses with the rest of the team at your next management meeting.  You may even like to reward authentic and well constructed ideas.

What went well in the past 12 months?
What did not work or go well?
What are the key drivers influencing our market, our customers and our competitors?
What are the key metrics that are giving us the right information?
What are the risks we are facing internally and externally?
What are the opportunities or ideas that could lead to better business growth, client retention and increased market share?
What are the factors we know we will be facing in 2011?
What are the assumptions we are making about the market in 2011?
What were the assumptions we made in 2010?  Did they hold true and are they still true?

We use these questions and many more during our strategic sessions with clients and with ourselves to help everyone get on the same page and build a vision for each organisation.

A Best Practice hint: set a date!  For example, by 17 December 2010 all budgets, compensation plans and marketing programs must be completed.  This will keep everyone working towards that deadline.

Remember everybody lives by selling something.

Sue Barrett endorses the propositions that ‘everybody lives by selling something’ and people buy from people they trust. Sue is founder and managing director of BARRETT, and specialises in 21st century sales training, sales coaching, sales leadership, sales capability, and sales culture transformation. Sue is one of the few prominent female voices commenting on sales today. You don’t have to be a sales person to benefit from her knowledge and insight. If you have an idea, capability, product, service or opportunity that you want to take to market then Sue says you need to be able to sell – ethically, honourably, and effectively. Sue practices as a coach, advisor, speaker, facilitator, consultant and writer and works across all market segments with her skilful team at BARRETT.  Sue and her team take the guess work out of selling and help people from many different careers become aware of their sales capabilities and enable them to take the steps to becoming effective, and productive when it comes to selling, sales coaching or sales leadership.To hone your sales skills or learn how to sell go to www.barrett.com.au

Planning a Toilet

When tackling a lavatory, the first issue you should do is create a rough arrange of the rooms dimensions and layouts (windows, door etc.). When it involves the look, unless you’ve got an plan in mind, it is best to seem at photographs or designing guides on websites and in showrooms to get a feel for the decor you like. Ask yourself questions such as ancient or contemporary? It’s important to keep in mind the rough size of your toilet; many loos are tiny in nature and can take more concentration than others.

A clear modern layout is perfect for tiny bogs like this. When you’ve got done some research you’ll be able to start to piece along a design specification and a to shop for list for your rest room; not everyone may be a shower person, some like a bathtub once during a while therefore this is often personal to every and each individual. Currently your design specification is geared up, the following highly vital task is creating a budget and to ask yourself whether or not you will be fitting it yourself or getting somebody in to help. Keep in the mind the budget as you’ll wish the most effective quality bathrooms you can get and they will be more expensive than you think. There are also technical things to think about if you are utterly changing the layout of your lavatory – plumbing, electrics…

Designer bathrooms are a massive market right now and there is more choice than ever thus it’s easy to find a rest room suite to satisfy your needs, whether or not your style is additional classical bogs than innovative. However, baths can be the most intricate to shop for – there is a wide range of various sorts of baths: Jacuzzi, freestanding and corner baths just a few of your options. Create sure your arrange is detailed in timing, the identical when renovating any area things should be done in an exceedingly specific order else you may have to redo things.

I’d suggest installing the essential bigger things: bath and shower 1st then toilet and sink before the likes of fittings and taps. Continuously check for leaks when fitting bathrooms. Lighting is terribly necessary to get right and will change the entire look of the room; modern bathrooms would like tons of sunshine particularly those without any natural light. When everything is in place and operating, floor is down and walls are complete is when you’ll add the finishing touches and go accessories looking – towels, shower curtains, mirrors etc. Loos would like to be stylish yet liveable they have be easy to wash and storage must be neatly organized. Once your luxury bathroom suite is all match in and in operating order; and your accessories in place, you can fancy your rest room for a while, or if you’re like me some years until you become bored with the color or the layout and need to redecorate.

Ernie Hicks been writing articles online for nearly 2 years now. Not only does this author specialize in bath and shower ,you can also check out his latest website about: White Wedding Bouquet Which reviews and lists the best White Silk Rose

Planning A Date

1st, is this the first time you and your date have gone out? You might need to run your plans by your date earlier than time. An ocean side seafood restaurant may be romantic, but not if your date is allergic to seafood. You might love listening to live jazz in an exceedingly smoky bar, however what if your date hates smoke? A simple run down of the plans can keep you from having any embarrassing situations with a date who does not want to participate in what you have planned.
Before you propose a date, spend it slow talking to the person you’re going out with. Realize out what they wish to do. If they casually mention that they love a sure restaurant, or a bound dance club, you might win bonus points for taking them there.

If you have got gone out several times, you may want to think about cooking dinner for your date at your home. Can’t cook? Several restaurants provide take-out service now. Although it is probably not a good plan to pass off the cooking as your own! Then your date will wonder later why in some unspecified time in the future you’ll be able to prepare filet mignon and the next you cannot boil an egg. A quiet night playing board games can be fun and romantic.
If attainable, try to arrange a date on a weeknight versus a weekend. There can be less folks out and you’re seemingly to be ready to talk additional and wait in lines less. If you are planning on visiting a specific restaurant, build sure you decision ahead to see about reservations. You furthermore may ought to let your date apprehend what activities are planned so that they’ll dress appropriately. You do not wish your date to be wearing jeans and flip flops if you’re visiting the opera and you do not need your date in high heeled shoes if you’re taking a five mile nature hike.

The night before your date, you might want to try and do some personal designing too. Build certain you have got the outfit selected that you wish to wear. Try it on and make certain you are happy with it. You do not wish to comprehend that your excellent date outfit incorporates a huge stain five minutes before you would like to leave. Create positive you have got directions to where you are going and your date’s phone variety in case you wander away or must cancel.

It does not matter if you are man or a woman, continuously bring enough money to hide all your expenses. Do not assume your date will procure your meal and then get stuck in an uncomfortable position as a result of you didn’t bring any cash. Also, if your date picks you up, you would possibly need to think about bringing cash for a taxi in case the date goes very unhealthy! It’s also smart to pack a few items of gum in your pocket or purse in case the date goes well and you want a good night kiss!

Ernie Hicks been writing articles online for nearly 2 years now. Not only does this author specialize in dating ,you can also check out his latest website about:
Retro Dining Chairs Which reviews and lists the best

Planning Your Garden

Most of us see a garden design and a landscaping project on two different levels of planning. However, while designing a garden typically does imply a smaller and more intimate project than an entire landscape plan, the main principles are indeed the same. You should take some time to carefully plan out exactly what you want to do with your garden before you begin.

To start ask yourself a few important questions. Do you want mature trees and plants or will you start from seeds or seedlings? Do you have room for certain trees or shrubs? Will your favorite plants grow better in full sun, shade, or partial shade? Before you plan anything on paper or put a single plant in the ground, you should become more familiar with the basic principles of landscape designs. Doing this will give you a better understanding about balance of color, form, choosing the right landscaping plants, and important qualities like repetition and contrast. It does help to understand even if you plan on creating your garden yourself or plan on borrowing ideas from gardening magazines or websites.

Ask yourself if your garden has a specific purpose or theme. If the answer is yes, you should be clear about it from start to finish. Your garden will be crafted to be a viewed like a work of art, an extended livable room of your private home. Your garden is meant to be walked through and enjoyed by you and your guests. Both purpose and function will go hand in hand in your special garden.

Besides the task of choosing the perfect combination of landscaping plants, trees, and shrubs, the shape is where most people have a problem when designing both gardens and landscaping. Of course the shape and design are very important since we all want our landscaping and gardens to stand out, be unique, what we envision and to be tasteful reflections of those things.

Once you have the purpose of your garden or landscaping in mind, you need to be prepared to draw out your plans as you put your ideas together. As you design a plan you will need to go through the steps of measuring, plotting, designing, and drawing your plans. These steps are all good to go through in person whether you plan on a simple pencil sketch plan or are considering using more sophisticated landscaping software for your garden.

If you are getting stumped and stuck for ideas, then research is what you will need to do. Magazines, home and garden television shows, and even neighbors yards can give you plenty of garden, landscape, and property ideas to look at for hours on end. As you look through these resources, you may get lucky enough to find a perfect match for your plot of earth. Usually though that is not the case, so it’s typically better to look for several different ideas that will work for your purposes and then put them all together with your own ideas.

Victoria Gates is a proud supporter of small American businesses such as the North Florida based Live Oak tree wholesaler Southern Pride Tree Farm. You can find out more about their operations and location by visiting http://www.sptreefarm.com on the web.

Sales Planning

The sales effort needs planned to suit the appetite of the business, and some ratios can be developed to rationalise the process.  It should be possible to gain some idea of the conversion rate of various sales streams in your business.

I worked in one business where 15% of the quotations put out turned into firm orders.  These ratios could be turned on their head to calculate how many quotation requests we needed to generate to result in the desired level of business.

I recently talked to an internet marketeer who reckoned that one order in 1000 hits was possible on a poor email list moving to one order in 500 from a better targeted list.  This allowed him to better plan his email and web activity.

There is the concept of the sales funnel where a large number of leads are qualified and processed to result in a reduced number of orders.  This sales funnel can be categorised into different steps of advancement for your business.

Each member of the sales team should have targets and be assigned a segment of leads at various stages in the sales funnel.  Some leads have merely requested information – a follow-up communication may result in an appointment or phone consultation moving onto a proposal or quotation.  Finally a few of these quotations will result in a purchase decision.

A sales person needs to prioritise and weight their opportunities.  This process should guide the amount of time they assign to each prospect.  Obviously the higher the likelihood of success or the higher the invoice value of a prospect, the more speculative time will be assigned.  Using their time efficiently is one of the key success indicators of a salesperson.  They should have unwavering nose for time spent in truly productive activity and time spent on less directly productive housekeeping, or even diversionary or displacement activity.  They need to be very honest with themselves and not retreat into comfort activity.

The sales team need to consider ways to increase their rate of sales closure.  More accurate classification of promising leads and more skilled handling of current leads will ensure higher rates of success.  Good training and confidence is vital.  Product and marketplace awareness are important.  However also vital is a good understanding and conscious control of the sales cycle.  Business should find time to train their sales staff how to sell.  This training should have a recurrent element as staff always need reminded, re-inforced and re-inspired.  The analogy is with the teacher or the coach.  Not only must they have sound knowledge of their subject or their skill.  They must also have skills and awareness of the teaching and communication process.  Likewise with the salesperson.

These didactic and communications skills boil down to simple things like ensuring your mouth and ears are used in proportion – twice the amount of listening to speaking.  Find out where the prospect is at and start your communication process from there.  Each person has a different understanding of their need, and of your offer.  Do not just have a set ‘spiel’ that cannot be adjusted and de-jargonised for each different recipient.  Ensure you continually see things from the prospect’s point of view.  Ensure you pitch your propositions in terms of benefits to him rather than listing the technical features of your product, or even of benefits to you of him giving you business.  This last tendency by the way is an endless struggle as the default always seems to be to retreat into your comfort phrases and stories, rather than reinvent and reinterpret for each individual you are communicating with.

Another key performance indicator is the length of the sales cycle.  Patterns will emerge in your business of the length of time from the first contact to the purchase decision.  There are ways to shorten this sales cycle, and some of them are in the hands of the sales team.  Good time management and the timely handling of each step can dramatically shorten the sales cycle.  Achieving this will improve the personal performance of the sales person.

Clear realistic goals and close monitoring of progress are also important in delivering optimal sales performance.  I have seen so many businesses where the senior executives, with little understanding of the sales process, try to inspire with insipid or unrealistic appeals for results.  Often they inadvertently depress and de-motivate the sales team with their superficial exhortations for more sales, with little or no understanding of what is involved, and also with no promise of, or even consideration of, additional resource.

The sales team need realistic and achievable goals but they also need clear rewards for achieving these goals.  Once again the business needs to understand the importance of this.  Many businesses do not.  They think that virtue is its own reward and a bottle of wine at Christmas will suffice.  A hundred times each day a sales person can either take the easy choice or the hard choice.  If they have strong incentives they will take the hard choice more often – to make that difficult phone call or deal with that difficult task.  They need strong reasons for doing this and those agreed targets and incentives must be respected by both the sales person and management.

 

Basil O’Fee

September 2010

 

Involved in all aspects of the sales, marketing and business development processes in a range of industries during my career – airline, airport, B2B, promotional, gift, lifestyle magazine, souvenir and sports. Managed an agent network, worked with brokers, with an in-house commercial team, and successful experience of preparing complex inter-disciplinary tenders, proposals and submissions. Enjoyed revenue from public sector, high street retail, defence sector, oil sector, general public and business customers. Had a period specifying and importing leisure goods from the Far East. Pioneering new markets – a range of achievements in this more challenging business development task.