“The Life Coaching professionals at the Life Coach Clinic helped me beyond measure,” says Dr. J. Jordan, a senior management consultant,” to achieve those overdue changes in my life and provided the foundations for successful new directions and personal fulfillment.”It’s for sure life isn’t static, and the one thing we can count on is change, but there’s so much talk these days about difficulty adjusting to the amount and rate of change these days, have you considered it as an exciting, fulfilling and proactive choice?I just got off the phone with a client in another country who has been asked to do a keynote address to an organizational group. It’s a professional conference for this group, but in the coming weeks, many of them are going to be transferred or given packages, as they downsize, a story that’s being played out in many companies around the world right now. She’s been asked to say something inspirational about change to these individuals who are about to have change forced upon them. Life Coach Victoria Butterell (http://www.LifeCoachClinic.com ) would have lots to say to a group like this. She knows all about the positive aspects of change. Not long ago she suffered a near-fatal car crash and was forced to retrain from her former position. “It changed my life,” she says, “and it changed it for the better. My car crash was a major wake-up call. I had ignored previous, smaller signs that I needed to change my life. The crash convinced me not to waste another minute of my life and, fundamentally, that I wanted to enable other people to make the most of their lives, too.” TRANSFORMATIONVictoria’s in an ideal position to help people awaken to the transformational possibilities in change, so much so she now advocates intentional change and helps other people make the changes they need and want to, or weather the ones they must.How about that? While most people are lamenting the constantly accelerating pace of change in today’s world, there’s a proactive position to be had: get out there and make change happen. More radical than that, try changing yourself. Dr. Jordan is one of Victoria Butterell’s former clients, and he now realizes the changes created in coaching in his life were “overdue.”How about you and your life? Are you overdue for a change? Have you thought about it that way?Life has a way of making us change, when we don’t get active and choose our own changes. SENIORS REGRET NOT HAVING MORE CHANGES When people over 65 were asked, in a recent survey, “If you could live your life over, what would you do differently?” they answered:1.I’d take more time to stop and ask the big questions.2.I’d be more courageous and take more risks in work and love.3.I’d try to live with purpose – to make a difference.THE CAUSE OF HAPPINESS IS … RISKThe wisdom seniors are sharing gels with recent research findings that the primary ingredient for finding happiness is being willing to RISK. Dr. Jordan, with the help of his coach, Victoria, has learned to embrace change. What does it take to embrace this “stressful” occurrence in your life and reap the benefits?Part of it depends upon the individual’s personal predisposition to change. This is ingrained is us because it comes from how change and ambiguity were handled when we were children. According to Holmes and Rahe, inventors of the now-famous stress scale which rates “life change units,” life is 44% more difficult now than it was 50 years ago. This means for all of us there was less change years ago when we were kids, so probably most of us need an adjustment in our predisposition to change. Changes are exciting when we choose them ourselves, and when we bolster our resilience – our ability to handle change and bounce back from adverse events. Some of the things we can do are learning and practicing a positive attitude, having a strong and supportive social network, and working with someone who’s experienced in transitions, such as a coach. Victoria’s philosophy is “Action from Adversity.” She would add these things to the list:1.Trust your intuition, completely. You’ll know what you need to do with your life while friends and family may not.2. Never give up. This is an inspirational quote from Winston Churchill – “Never give up. Never. Never. Never.”3.Be brave. “Change can be scary,” says Victoria. “Bite the bullet and go for it. Don’t regret the things you haven’t done in life.” Why “action from adversity?” You must take action. A useful metaphor is a cork in the ocean. We’re in the middle of our lives, like a cork on the ocean. The cork appears to move as a wave passes from left to right, but its position actually never changes other than a slight rotation. In other words, that cork is not going to wash up on shore eventually one day, it’s going to stay right where it is, forever. If you want to get somewhere, you have to TAKE ACTION.A COACH IS INVALUABLE AT SUCH A TIME“Completing the transition was tough,” says Victoria. “Most of my friends and family wanted me to “get over the crash” and “get back to normal” – my “life” as it had been before. I had to keep my determination and resolve, to change my life and keep changing it. I had to find the strength to take actions which were very scary, well out of my comfort zone and risky, but which would give my life greater meaning and fulfillment. A coach is invaluable at a time like this.”THIS ISN’T YOUR DRESS REHEARSAL“Life isn’t a dress rehearsal,” Victoria tells her clients. “Don’t wait for that wake-up call, make the most of your life, NOW.”IF THE SCRIPT ISN’T MEANT FOR YOU, RE-WRITE ITYou’re the star in the greatest show on earth, and all the world’s your stage!

Submitted by: Mike Consol

There s a big irony to the writing process, and it is this: While we seek to optimize our creativity while writing, the inert nature of the task works against the brain s ability to perform at its imaginative best.

It s become axiomatic that flashes of insight or even grand epiphanies come to us while showering, driving, walking, hiking through the woods and so on. In other words, breakthrough thinking comes during physical activity when the brain is charged with quicken blood flow and a higher dose of dopamine and other chemicals.

This is no mystery. We ve known for a long time that physical movement stimulates the brain. A stimulated brain is more creative. Yet almost all writing is done sitting in a chair with the body physically inert. No significant movement, as with showering or walking, and no significant visual stimulation as with driving a car and observing the rush of passing imagery.

Indeed, one of fiction s most prolific and respected novelists, Joyce Carol Oates, and one of the craft s foremost writing coaches, Julia Cameron, have both talked about walking as an essential part of their routines for keeping their writing sharp. Cameron s even written a book titled, Walking in this World: The Practical Art of Creativity.

I tackled this issue years ago when I bought a tiny hand-held digital recorder. Mine happens to be manufactured by Sony, though there are many different makers of the device. They re not expensive and they hold many hours of spoken content. The recorder permits me to write while I walk or drive or engage in other types of physical activity.

Ninety percent of this article was written during an afternoon walk through the rainy streets of Northern California. The walk lasted all of 30 minutes. There is even good software these days that will take your recorded text and turn it into printed type in your word processing document, so you don t have to painstakingly transcribe your recordings.

I was inspired to buy the recorder when I started taking walks and noticed better ideas springing to mind for the writing assignments I was working on. My recall was good but not complete, so when I got back to my word processor I d dash off as much as I could. What obviously made sense was to buy a recorder and capture those thoughts in their entirety in real time. It allows me to produce a high volume of content for my first or original drafts.

It wasn t easy at first. It seemed awkward talking into a recorder. I tended to walk streets, walkways and hiking paths with the fewest people and vehicles. Still, in short order I found writing aloud a more natural and less self-conscious activity.

I was further drawn to this concept of writing on the move after I read a book titled Spark: The Revolutionary New Science of Exercise and the Brain. It was given to me by 24 Hour Fitness CEO Carl Liebert, who considered the book a breakthrough work on the comprehensive value of exercise and fitness.

The book s author, John J. Ratey a clinical associate professor of psychiatry at Harvard Medical School, writes in the book s introduction: In today s technology-drive, plasma-screened-in world, it s easy to forget that we are born movers animals in fact because we ve engineered movement right out of our lives.

Ratey writes at length about how exercise floods the brain with neurotransmitters and other chemicals that stimulate the brain, enhance its learning capabilities and generally help maintain its overall health so much so that women who exercise are 50 percent less prone to dementia in their elder years.

Even the act of getting up from the desk and pacing in my living room would often give me access to the wordplay, turns of phrase or transitions I was searching for. Then it was back to the chair, back to a static posture and a gradual deceleration of the brain s electrical activity.

So what I m proposing is that we rethink our traditional way of writing, that we get off our seats and move, that we stimulate our brains and verbally narrate the document we re writing. Make writing a physically active process.

There s an additional benefit to this approach. Our writing becomes more conversational, a characteristic that enhances its readability. There s something about the formality of sitting in a chair, hunched over a keyboard, that encourages formality in our writing. Certainly there are times we want our writing to strike a formal tone. But more often than not that s a stilted way to communicate. It s less interesting, more difficult to read and lacking in personality. The less personality in our writing the less chance of people being drawn to it and feeling an emotional connection. That s key to producing powerful, influential writing.

So get on your feet and get moving. Make it a habit. It will make you healthier and more imaginative. Done consistently and earnestly your writing will blossom and take on some new dimensions.

About the Author: Mike Consol is president of MikeConsol.com (

MikeConsol.com

), which provides business writing seminars, PowerPoint presentation skills training, Web 2.0 strategies and media training. Consol spent 17 years with American City Business Journals, the nation’s largest publisher of metropolitan business journals.

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Submitted by: Renee West

Claddagh wedding themes can be both cultural and decorative, depending on how far you want to carry the theme throughout the wedding. Whether you come from Irish descent or simply appreciate the culture, a Claddagh wedding needs to follow a few traditions. If you are unsure how to put in your own personal flare, but still keep to the traditions of a Celtic wedding, here are a few decorative ideas to make your theme come to life.

Suggested Color Scheme

The colors for a traditional Claddagh wedding should stick to ivory, white and greens. You do not have to use bright greens, but keep it within the green family by utilizing pastel or neon colors instead. Integrate gold or silver accents to keep with the traditional colors, while adding some elegance.

Flower Arrangement and Bouquets

Your flowers should follow the color scheme of the wedding. Some traditional flowers that can be used are roses and lilies, but no one flower is a tradition for this type of theme. Shamrocks, however, are a traditional greenery found in Celtic weddings; therefore you should find a way to integrate them into your arrangements. Depending on the time of year, your florist may be able to include some clover in the dcor and/or your bouquets and boutonnieres.

Keep your flowers simple and in line with the colors. Green can be used for both flowers and fillers in your floral arrangements. For example, ivory roses and peonies can be paired with green hydrangea and green rose leaves. Talk to your florist about how to pair your traditional Celtic wedding colors with your floral arrangements.

Table Decorations

Decorate your tables using traditional taste, but with a few modern twists. Use ivory or white tablecloths and integrate green or silver table runners to keep the setting very classic. Centerpieces can be made from flowers or you can utilize pillar candles tied with green and silver ribbon. Use elegant chinaware that is white or ivory and has either green accents or silver accents. Escort cards can be attached to Celtic knot place card holders and guests names listed on ivory or white cardstock using silver or green font. You could even name tables after different locations in Ireland.

Wedding Cake and Food

Stick to the tradition of Irish food by serving a menu full of Celtic recipes. Try pot roasts, roasted potatoes and very hearty dishes, which the Irish culture is known for. Do not be afraid to talk to your caterer about ways to make your menu more modern, but still incorporating traditional recipes. For example, rather than serving whole baked potatoes, offer puffed potato bites or a do-it-yourself baked potato station with different toppings.

For the wedding cake, keep the decorations simple, such as white or ivory fondant accented with silver or green ribbon borders. Use a Claddagh cake topper to finish off your cake and integrate roses or shamrocks as part of the floral topper and cake table decorations. Try fun flavors for your wedding cake such as Irish Crme.

Wedding Favors

Though many of your guests will not be aware of Irish traditions, try to culturally educate them with favors themed after your Claddagh wedding. Give away Celtic knot key chains or bookmarks. Four leaf clover soaps and bath salts using traditional Irish scents are always welcomed by guests too. Give away edible treats such as Irish soda bread wrapped in muslin, mini cakes or mint tins.

About the Author: Renee West writes for Just Weddings.org, where you can find all the little details you need for your wedding with ease, including

Irish and Celtic Wedding Favors

, decorations and cake toppers.

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By Carrie Reeder

Refinancing your mortgage after a Chapter 7 bankruptcy allows you to cash out your equity and find lower rates. You can also lower your payments by extending your loan term. Two years after your bankruptcy has been discharged, you may qualify for conventional rates. But if you need a refi loan sooner, you can find a sub-prime lender to work with you.

Timing Your Refinancing

Most financial advisors will counsel you to wait two years before applying for a new loan. Within those two years, you can reestablish your credit score to good standing and qualify for a Fannie Mae loan with market rates.

However, you can find refinancing sooner by working with a sub-prime lender. Depending on your credit score, cash assets, and income, you can find a financing package only a couple of points higher than conventional rates.

Before You Apply For A Refi Loan

Before you apply for a refi loan, check your credit report to be sure that your bankruptcy was properly discharged. Make sure accounts are in good standing and have accurate information. You can also include a letter explaining the circumstances of your bankruptcy, which can help your loan application.

Also, take the time to research lenders. Just like with any product, shopping around will guarantee that you get the best deal. It just takes a few minutes to receive loan quotes online. And you can review them at home with no pressure. While you are looking at rates, also note fees and closing costs.

Getting Better Rates

If you didn’t get the best terms or rates on your first mortgage, now is the time to find them. For the lowest payments, choose an adjustable rate mortgage. Usually for the first two to five years rates will be lower than fixed rates. Some lenders will also allow you to lock in a rate for a fee.

Interest rates can also be lowered by choosing a shorter term loan. While your total interest costs will be less, your monthly payments will be higher. Some lenders will also lower rates if you set up an automatic payment, usually debited from your checking account.

About the Author: View our recommended

Refinance After Bankruptcy

lenders or view all of our

Recommended Refinance Lenders

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byAlma Abell

While it may seem daunting at first, providing a family member with senior care is an important thing. Whether they choose to have in home care or stay at a center, it’s important to find care that will provide seniors with the things they need. There are numerous senior centers and caregivers out there. It can be difficult finding Nurses in Mechanicsburg, PA that will provide the right care for seniors. It’s important for family members to do their research in order to find the right fit.

Many senior care centers provide in home care for seniors. This is a great option for many seniors who don’t wish to leave their homes. The Nurses in Mechanicsburg, PA will visit seniors in their home and provide them with the same care that they would get at a care center. This includes medical care, personal hygiene, meal preparation, and companionship. What’s great about in home care is that seniors feel at ease. It can be intimidating to enter a senior center. With at home care, seniors will be comfortable and open to help.

It’s important for caregivers to be able to provide the medical care seniors need. Seniors often need a significant amount of medication to stay healthy. Missing even one dosage can prove to be detrimental to their health, so having nurses in Mechanicsburg, PA help seniors stay on track is vital. Nurses and caregivers should be able to handle every aspect of medication, from pick up to distribution. It’s not uncommon for these medications to be complicated for seniors. They sometimes require specific instructions and dosages. A caregiver can prepare a schedule and separate dosages beforehand. They’ll remind seniors about their medication on a daily basis, ensuring that seniors will always remember to take their medication.

All in all, senior care is an important aspect of senior life that shouldn’t be taken lightly. Families should sit down with their seniors to discuss options and needs. Not every senior needs significant amounts of care. A senior can decide how much care they receive so that they are comfortable and safe. Family can help seniors find just the right type of care they need based on their needs and desires.

Submitted by: Kruis Barry

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Austin Texas Parks

by

CurtisThere are a million and one reasons why Austin is a fantastic place to live and call home. Austin is famous for the outstanding music scene, it has become great place for film making, delicious B-B-Q, the Capital Building, The University of Texas -there is of course the FOOTBALL- and all the wonderful people who live, work and play here. Another aspect of Austin that is not quite so widely known is its propensity for green space-whether it is parks, trails, gardens or just plain patches of green, Austinites love the space. Almost every neighborhood has at least a small area set aside for residents to walk their dogs, for the kids to run around in or room enough just to enjoy a lazy afternoon under a shade tree. If there is a creek, there is usually a hike and bike trail around it. Many of the parks have a small playscape or at least a couple of swings. Quite a few have swimming pools that are a haven in the hot summers. It is not unusual to find residents who have packed a lunch and headed for one of the area parks to spend the day. Zilker Park is the most popular by far but there are other area parks not quite so grand but a leisurely place to spend some time and relax or get together with some friends for a game or two of your favorite sport or activity.

Another of Austin’s long time favorite parks is Deep Eddy. Or rather it is Eiler’s Park and Deep Eddy Pool. Deep Eddy is the oldest man-made swimming pool in Texas. Eiler’s Park is approximately 9 acres and is primarily used for picnics, offers a toddler playscape and a small fishing pier. If you are looking for a larger area for play with a little more room for motorsports try Emma Long Metropolitan Park, commonly called City Park. City Park is approximately 1150 acres situated on the shores of Lake Austin. The park has a designated swimming area with a sandy beach. You will also find hot showers, men and women’s restrooms and dressing areas. Picnic and camping sites are also available. The City has established rules and regulations to help preserve the sensitive park environment and ensure that everyone who visits the park has a safe and pleasant stay.

Pease Park is another popular park for birthday parties, BBQ’s or simply spending time on the playground or wading pool. Pease Park is known for hosting such long time favorites as the Jazz Festival and the very special Eyeore’s Birthday Party.

Ladybird Wildflower Center, while not technically a park is a beautiful garden that features native plants and is dedicated to the restoration, preservation and conservation of Central Texas’ endangered flora and fauna. The Center also provides educational and hands on programs for adults and children alike who share an interest in learning about their natural surroundings and learning to grow their own native plants for their own gardens.

These are only a few of the wonderful parks in the Austin area. Many more are tucked away in neighborhoods here and there. There a many just on the outskirts of town that offers a wide range of activities and sports complexes.

If you are looking for way to spend the day, take a look at one of the many parks located in the Austin area. There is a spot waiting just for you!

The author offers great reading for

South Austin

. The author also writes about areas of Austin such as

Tanglewood Forest

or

Homes in Tanglewood Forest

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Intro

If you’re like most business owners, you’re probably always looking for ways to improve your marketing efforts. And, if you’re like most business owners, you probably don’t have a lot of time to devote to it. That’s where graphic design comes in. Graphic design can help you create effective marketing materials that will help you reach more people.

Use unique graphics to break down your competitor

If you create marketing material you need to make it more user-friendly and unique. More unique graphics attract people and it will promote your company very well. Never use a normal quality design always try to use a high-quality unique design. A Unique design means custom hand-drawn logo design, hipster design, vintage logo design, cool design, etc. nowadays these are very popular designs in this industry.

To Create Effective Marketing Materials break up text and make it easier to read

One of the most effective ways to use graphic design to create effective marketing materials is to use graphics to break up text and make it easier to read. This is especially important if your text is dense or long. You should do that because your potential customer wants this from you. If you are failed to understand your service to your customer then its don’t have any value to create this. So must need your attention on inserting the most easily readable text on your marketing materials. You may see some examples from Handcraft Logo

Use graphics to create a visual appeal

Consider the most important things you can do when using graphic design to create effective marketing materials is to use graphics to create a visual appeal. Visual appeal can attract your potential customer. This can help you stand out from the competition and attract more customers. Nowadays people preferred to see attractive designs. The more visuality you will add to your marketing material the more you will get responses from your potential customers. So it is the most important thing that you need to take look at.

Use graphics to emphasize key points

What do you want to promote for your customer? One of the best ways to use graphic design to create effective marketing materials is to use graphics to emphasize key points. This can help you crystalize your key messages and make them easier to understand. Whenever you create user-friendly marketing material use emphasize key points to take your customer attraction more easily.

Use graphics to create a sense of urgency

This can be the best way to use graphic design to create effective marketing materials is to use graphics to create a sense of urgency. This can help you persuade your customers to take action now. Consider a sense of urgency in your material, it will help you to get good feedback from customers.

Conclusion

First and foremost, graphics should be designed to be engaging and easy to understand. This means that your graphics should be simple, but effective. Additionally, you’ll want to keep in mind the target audience you’re trying to reach. For instance, if you’re targeting a younger audience, you may want to use bright, fun graphics. If you’re targeting a more mature audience, you may want to use more muted colors and graphics that are more factual.

Another important thing to remember when creating graphics is to keep them simple and organized. This will help your audience easily understand what you’re trying to say. Additionally, be sure to use headings and subheadings to help your audience follow along.

Submitted by: Zaara Jones

Glasses have turned into an accessory. More than a medical need. Turning your look into something completely different by just one piece? Its possible! Glasses have become cool nowadays, from geek to chic with a stunning eye catcher. Literally, nowadays glasses are a fun item to add to your look even when you dont need them. To some people that may seem odd, because why should you wear something when you dont have a medical need for it. It is indeed a fashion accessory; you can spice up your outfit with a cool frame. And anyway, people should just enjoy wearing what they want. People loves adding accessories to their looks to make it more appealing, apart from earrings, clutches , heels, glasses is one of the accessory which people are using nowadays. Get your personalized eye wear with Glasses direct promo codes at an amazing price.

Let your looks speak

Try all different kind of frames and you will see which is working best for you. Take a good look at the shape of your face, the color of your skin and go from there. And be critical, glasses can be so strong in your appearance. Choose something you feel comfortable with. so there are tons of reasons to wear eyeglasses: nearsightedness, farsightedness, astigmatism…but what about style, fashion, and accessorizing? This fashion week, we’ve spotted tons of celebs and models rocking glasses to change their outfits instead of their eyesight. Check out the way their frames have transformed the our vision of their ensembles, after the jump!. You surely enjoy what you wear when you choose from a wide range of glasses with Glasses voucher and promo codes.

Get yourself the new fashion accessory

From the mid-20th century eyewear became increasingly important as a fashion accessory, a trend which was actively pursued. Spectacles today are less an indication of poor eyesight, more an accessory to personal style. Geek chic on the catwalks. Hipsters donning retro glasses. Its all contributed to making eyewear a notable fashion accessory; people have been more focused on looks. Since people have been focusing more on looks this reason why glasses have turned into an accessory. If youre sorted for glasses already, why not set yourself up for the summer and take a peek on their prescription sunglasses. Change your looks with the ongoing trend of glasses from retro to chic.

Getting the perfect frames is not always an easy task and thats why it is great to have an abundance of choice. At Glasses Direct you have exactly that, so find your favourite style when you shop online today. Every time you activate our Glasses Direct voucher codes and Glasses Direct promo codes you will be helping us raise money for charity in the process of saving yourself cash. E-commerce has made our shopping experience a delight, we can choose from a wide range of products at the best deal. E-commerce is the most convenient way for consumers because they can visit various online storefronts to compare prices and make purchases without having to leave their homes or offices. Hurry up and grab a pair of cool trendy glasses to enhance your look.

About the Author: Getting the perfect frames is not always an easy task and thats why it is great to have an abundance of choice. At Glasses Direct you have exactly that, so find your favourite style when you shop online today.

myfavouritevouchercodes.co.uk/glasses-direct-voucher-codes

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By Ron Roberts

In Part 1, I showed you how to fill out page 1 of the AIA pay application (form G702). In Part 2, we are going to work through page 2 (form G703).

Go dig out your AIA pay application form again and turn to the second page. Here’s how to fill it out.

AIA Pay Application Page 2

The purpose of page 2 is to allow General Contractors to keep a close eye on your billing. As that is their purpose, they will probably ask you to break your pay request into several line items.

If they don’t, use as few breakouts as possible. This is your one opportunity to control your billing. If they request a more detailed breakout, give it to them.

Before delving into the heart of the page, allow me a moment to discuss the numbering of your pay applications. When you number your applications, number the first one “1” and count up from there.

If you have to revise a pay application, do not increase the number, just add a letter designation behind the original number. For example, if you are revising pay application number 5, make it 5R to reflect that it is a revision of number 5.

Column A – Item No.

Number your line items however you wish. Most contractors start with “1” and go from there. Some use the specification section or drawing number that the work applies to.

Column B – Description of Work

Describe the line item’s type of work (e.g. underground sanitary or first floor concrete slabs), the building, the area, or anything else that makes sense to you.

If your scope of work is large, you may wish to match this up to major activities from your estimate. Change orders are usually added as separate line items as they are approved.

Assume your first line item is for mobilization and your second line item is for pouring and finishing the first floor slabs. The rest of our example will focus on the first floor slab.

Column C – Scheduled Value

Assign a dollar value to each line. The grand total of all lines must equal your current contract sum that shows up on line 3 of page 1. Double check that before submitting the pay application.

Billing is a cat and mouse game. Be sly. Listing $30,000 for pre-construction and mobilization when you only have a couple of days of contract work and shop drawing preparation combined with taking a job trailer, a few skid steers, and some tools to the site to get started insults the GC’s intelligence.

Assume you have scheduled $60,000 for the first floor slab. Enter that in column C.

Column D – Work Completed from Previous Applications

Write down the total dollar amount you requested for this line item through your last pay application. That includes materials that you listed as Stored Materials but have now put in place. Column D does not include work completed this period nor does it include newly stored material.

Assume, that on your last application, you had listed $10,000 in column D, $5,000 in column E, and had $5,000 of Stored Materials of which $3,000 have now been put in place. On this pay application, you would list the combined total from all three items ($18,000) under column D and still have at least $2,000 of Stored Materials.

Column E – Work Completed This Period

The dollar amount of new work completed this period. Do not include materials that you installed but had already been paid for under Stored Materials. That figure goes in column D. All labor, equipment, and mark-up for the placement of those stored materials should be included as Work Completed This Period.

Assume you have completed $12,000 of work this period.

Column F – Materials Presently Stored

The total value of materials currently stored but not installed. Usually, to get paid for stored materials they have to be on site or in a bonded, secure storage facility.

Assume you bought an additional $1,000 in materials beyond what you had. Remember, you installed $3,000 worth from your last pay application’s $5,000 of Stored Materials. Column N of this application should show $3,000 ($2,000 of carry-over plus $1,000 of new material).

Column G – Total Completed and Stored to Date

Add together columns D, E, and F. This value should be the total work and materials to date. For our example that total should be $33,000.

Did you come up with that number? If not, go back and added everything up again.

Column G – % (of scheduled value)

This column is commonly referred to as Percent Complete. Divide your Total Completed and Stored to Date by the Scheduled value.

For the example, the correct value for our example would be 55% ($33,000 divided by $60,000).

Column H – Balance to Finish

Subtract the Total Completed and Stored to Date from the Scheduled Value.

For our example, the value would be $27,000 ($60,000 minus $33,000).

Column I – Retainage (held)

Multiply the prevailing retention rate (typically 10%) by the Total Completed and Stored to Date value.

Assuming 10% retention for our example, the value would be $3,300 ($33,000 times 0.1).

To finish filling out your form, total up each column and enter the value at the bottom of the column on the Grand Total line.

Whew. We’re done with pay applications.

About the Author: Ron Roberts, The Contractor’s Business Coach, teaches contractors how to turn their businesses into money making machines. To receive Ron’s FREE Contractor Best Practices Newsletter visit FilthyRichContractor.com

Source: isnare.com

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