Marketing Chi?n Lu?c

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Oracle Marketing is amongst the primary promoting providers in britain. The firm comes after immediate promotion when they find out oahu is the just course of action that's measurable and also scalable.




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The firm will go wonderful rifles - extending to help fresh areas, acquiring break-through methods and also getting the 500 per cent progress charge in barely above six months time. Immediate marketing and advertising can be quickly turning out to be the most favored methods involving advertising and also coupled with the idea; Clover Promotion is now essentially the most chosen lead marketing and advertising enterprise likewise. Along with professionalism and reliability, hard-work, endurance along with inspiration remaining your some added wheels that will travel the particular chariot with the corporation along with the staff, Clover Marketing and advertising for certain offers further to search.






The average consumer is bombarded with somewhere between 500 and 1300 advertising messages per day. If you doubt that, think about it for a moment. When we get up in the morning, most of us typically turn on the television and listen to the news or a talk show while we get ready for work. During that half-hour or so, there will be anywhere from 15 to 25 commercials. Now, we may not consciously pay attention to each - - or any - - of those commercials. However, the reality of it is, that our subconscious mind will pick up some information anyway. We may also take time to read the paper as we eat our breakfast. As we do so, we will likely pass anywhere between five and 15 additional advertisements; some of which will seep through our mind. As we drive to work, many of us will have on our radios where we will be hit with another 10 to 15 ads. Also, as we drive, we will be exposed to billboards, signage, business logos, advertisements on other vehicles, etc. which will add another 10 to 20 ads. That makes anywhere between 40 and 60 ads we could be exposed to in less than one hour, which averages 50 advertisements. Now multiply that by the average number of hours Americans remain awake and you get 800 advertising messages. If you take into consideration other activities in which we partake like reading magazines, going to the movies, taking part in some kind of leisure activity, or surfing the Internet, you can easily see how we are exposed to so many advertising messages on any given day.

Unfortunately, a lot of the messages that we are being exposed to are less than honest. False advertising has once again become a regular main stay in today's world. A good example of this comes in the form of weight loss supplements. They proclaim "take these pills and you will lose weight 30 percent faster without diet or exercise." Others say, "these pills work uniquely with a woman's body to increase the amount of weight loss." Exercise programs are nearly as bad. Think about those wonderful ab belts that are supposed to "help you lose inches around your waist and firm your abs without sit-ups or crunches." Or how about those expensive exercise systems that "guarantee if you're not happy, we will refund your money." Has anyone ever really tried to get his or her money back on one of those?

I'm as guilty as the next one in looking for an easy way to lose weight and firm and tone my sagging, dragging, nearly 60-year-old body. And I will admit that about 95 percent of all of the diet programs and exercise efforts that I have used were of absolutely no value at all. In actuality, I have only found one eating system (not really a diet, per se) and one piece of exercise equipment that ever worked for me: Suzanne Somer's "Somersize" eating program and her "Torso Track" exercise equipment helped me to lose 75 pounds in less than four months. The bonus was that I actually felt great doing it and I was in the best health - - and shape - - of my life. Still, more often than not such programs are a complete scam. Don't even get me started on Michael Thurmond's Body Blueprint Program

Now take that one example - - diet and exercise - - and multiply it by the thousands of other deceptive and false advertisements that we are exposed to every single day. Realistically can Tylenol, Aleeve, Advil, and Excedrin all be the best headache medicine? They claim they are. Is Crest, Colgate, or AquaFresh the toothpaste recommended by dentists? According to each of them, they all are. Does DuraCell or Ever Ready make the longest running battery? According to them, they both do. Is Pepsi or Coke America's favorite soft drink? Both say they are. Deception in advertising has once again become so rampant that most Americans just throw up their hands in despair.

Two conflicting principles are involved in advertising law which might help us better understand this state of confusion. While it is true that the First Amendment grants the right of free speech and protects all forms of communication, including advertising, the U.S. Constitution gives the federal government the power to regulate interstate commerce. In doing so, Congress enacted two statutes that effect advertising. The first is the Federal Trade Commission Act. The second is the Lanham Act.

The Federal Trade Commission Act states that false advertising is a form of unfair and deceptive commerce (which trumps the First Amendment). In reality, while the act obviously includes advertisements that are untrue, it is also broad enough to encompass ads that make representations that no one has a reasonable basis to believe. The act also gives the Federal Trade Commission broad authority to regulate advertising which could include the barring of advertisements that are misleading or the right to order that ads be run to correct deceptions.

In order to establish a violation under the Lanham Act, consumers or competitors must prove the following:

• The advertiser made false statements of fact about its product;
• The false advertisements deceived or could deceive a substantial segment of the target population;
• The deception was material;
• The falsely advertised product was sold in interstate commerce; and
• The party bringing the lawsuit was injured as a result of the deception.

With these two acts in place, one must wonder why so much false advertising continues to take place. The answer is simple: Because we let companies get away with it!

Consumers have become so jaded that they really no longer believe any advertising claim that they hear. Some would ask why that is a problem. If consumers disbelieve everyone, then they are less likely to get hurt. Wrong! There are actually some scrupulous companies out there who strive to be honest and tell the truth. However, many of them will not remain in business for long because the bigger companies with the deeper advertising pockets can out-fox, out-maneuver, and out-advertise the good guys. The end result is that the consumer is, once again, being used.

The solution to this problem is also simple. Stop letting the bad guys get away with it. Complain, bitch, scream, write letters, file claims; do whatever you can to put a stop to this deceptive and unfair practice. The Federal Trade Commission welcomes calls, emails, and letters of complaint from the general public. Best of all, they are pretty good at their job. I know this because when I worked for the Oklahoma Small Business Development Center, I worked with inventors. There are a ton of agencies out there who are specifically set up to take advantage of inventors and most of my clients ran into at least one of them. Only through complaints filed through the FTC were these wonderful, creative people able to recover the thousands of dollars paid to fake invention companies. The moral of the story is: This is a system that works! We just have to use it.

I wish that Ralph Nader was still doing what he once did so well, instead of getting involved in the political arena. Nader's Raiders were responsible for uncovering hundreds of such fake schemes as well as helping to get the truth in advertising acts that we now have in place. Unfortunately, there is no one picking up that banner in this day and age. Therefore, we have to do it for ourselves.

Evaluating Granite and Marble Countertops: Which A person Really should You Choose?

Granite and marble are the two stones which means they're equally sturdy, major, and amazingly tricky. At the same time, because both these stones can really very last a lifetime, these are both equally expensive and really difficult to polish and set up. Because they may be equally stones, they may be by natural means patterned, therefore, you may get granite or surface encounters marble that is definitely not rather comparable for the style within the catalog which you ordered so it would be greatest to actually see the genuine product when picking the type of style and design and pattern that you want instead of relying only on images. Both are heat resistant plus they usually do not scorch when placed even with a very scorching content this kind of as iron pots and pans.



Nevertheless, granite is way tougher than marble and it can be far more resistant to scratches and large impacts in comparison to marble. At the same time, granite is much more defiant to acids such as vinegar, lemon juice, and tomato juice, as well as other items with high ranges of acidity. That can assist you greater fully grasp the strengths of equally stones, allow us consider a closer seem as to how they have been shaped. Marble, and all its stone family - onyx, travertine, and limestone in the onset had been sediments created of shells, plant subject, animal skeletons, and silt which all settled with the bottom of bodies of water and right after decades of becoming soaked in h2o, they solidify and become stones/ Marble’s major part is calcium and that is the cause why it's a tendency to react to acids this kind of as vinegar and also other drinks that include citrus. Granite, on the other hand, is manufactured up of crystallized minerals shaped while in the earth’s mantle at large temperature. The final result is a tough, really resistant stone. Marble could be scratched and etched by acids since it is built of calcium carbonate and that is a great deal like chalk but the only difference is surface encounters marble is compressed and inside a crystallized type. While in the exact same method, marble has fewer designs, in reality it can be far more normally marketed in its white shade so stains and mars may well stand out a lot more subjected in marble. Granite incorporates a far more complex pattern that may cover the stains far better. When it comes to styles even so, marble includes a finer, far more stylish search than granite. The crystal formations in marble are more satiny and finer in nature making it appear additional deluxe. Granite has greater, pea-sized crystals that happen to be coarser to the eye.



In the end, with regards to longevity, the granite countertop will be a lot more sturdy and much more resistant to stains and scratches though the seems to be are won by marble. Marble nonetheless is more affordable than granite but it involves higher maintenance. So, it all boils down to that which you actually want being a countertop. Would you settle to get a countertop that is really hard-wearing and nevertheless not as pretty as being the other one, or would you trade beauty for durability and power?

New Employ Criminal Background Examine

An employment records search is now generally done not only to potential employees but to present workers for promotion also. It's generally done to validate info discovered on an employee's resume or software form. It's also carried out to identify the best suited potential employee among the applicants. Also with what has happened on September eleven, 2011, employers are actually very concerned using the type of workers they hire.

A track record investigation includes criminal, arrest, imprisonment, and sex offender documents. This is a kind of examine where state records are examined to research if a possible worker or present worker has been convicted or charged with any crime against the state.

Citizenship, immigration and legal working standing checks are also carried out simply because American companies are barred from employing unlawful workers from the Division of Homeland Security and its Immigrations and Customs Enforcement Division.

Litigation records will also be checked. Workers who often file discrimination instances might be identified as being a risk into a company therefore employers resort to litigation checks. Also, those businesses who do business with the government do not wish to employ whistleblowers who file qui tam suits.

Driving and car records will also be part of the background check, especially whenever a possible employee is applying for a driver position. Employers appear for workers who have clean driving records or those who have no records of vehicular accidents or traffic tickets.

Drug test data are also being checked. An employer wouldn't want to employ drug addicts in his business because of company ethics, worker performance will be affected and improve of workers' compensation premiums.

Education data are also part with the online background check investigation. This really is carried out to confirm educational attainment with the possible employee and occasionally to examine if applicant has had misdemeanor data in class.

Prior employment records may also be checked especially if the applicant will fill a delicate position in the business. This really is usually done verbally.

Financial info is also checked particularly in the event the position being crammed requires somebody to deal with huge quantity of money.

For professionals, licensing records are checked for grievances, disciplinary actions and investigations.

Health-related, psychological and physiological files will also be checked simply because a potential worker might not be fit to function for health reasons. A written consent in the applicant must be procured prior to heading via the whole process.

Social security number examine can also be done because identification theft is quite rampant. A previous existence may be concealed or an applicant might not have fulfilled the citizenship necessity may be verified via the social safety number.

Although most the above records are public data and can be procured from different government companies within the United states of America, it's still very inconvenient for employers to complete background examine on its potential workers as well as present employees. You will find numerous private investigators who provide the service. Also, you will find third party providers who also offer exactly the same kind of service. You will find also available on-line information financial institutions which may provide the necessary info about individuals. What they do is they buy U.S. public data and offer them on-line to get a fee.

Know The Importance Of your Free Credit rating

Some are even looking at personal bankruptcy within their tough function to obtain rid of bank card debt. Bank card financial debt settlement could help a borrower avoid that.

seven to ten Numerous years

Bankruptcy includes a very prolonged phrase damaging influence on the purchaser who uses it to get from financial debt. But, lots of Us residents are going through personal bankruptcy. Bankruptcy can stay on your credit score report from 7 to 10 decades. That smudge in your credit report will make it pretty tough to obtain a residence, or a car, or even a job, in the future. You will find other options to bankruptcy for these with mind-boggling monetary debt, free credit score or in every other case.

Credit card debt Settlement a Terrific Option to obtain rid of Credit score Card Credit card financial debt

1 these kinds of option that exists is really a tactic identified as monetary debt settlement. What transpires is the fact that a debtor negotiates having a creditor to spend back again a portion of the financial debt. Hunting in the option - missed payments, frequent reminders and cellphone calls, personal bankruptcy - a creditor might possibly extremely properly be eager to go over a decrease payback quantity or decrease month to month payments. Particularly with so lots of purchasers facing personal bankruptcy or even the prospect of defaulting, most collectors are delighted to obtain some money considerably than none. Forestalling personal bankruptcy may be an exceptional successful condition for both equally you and your creditor.

Credit score score Card Financial debt Settlement Negotiation

Approaching a mortgage company, maybe just one you've needed to cope with within the past rather than on the most amicable circumstances, can be intimidating. There's also a great deal of financial track document awareness that the regular buyer just doesn't have. The typical shopper just doesn't have a superior hold on their rights and strengths.

Pennies around the Dollar towards Getting rid of Bank card Debt

Monetary financial debt settlement needs a online credit score negotiator approaching every single lender and negotiate a pay-back choice. Generally, this total can be truly essential -- as much as 50% or perhaps a great deal more with the authentic financial debt. So quite a few people at present are around the brink of individual catastrophe, typically hunting to bankruptcy. Because of the, many collectors are relieved to be acquiring anything on the credit card financial debt somewhat than subsequent to absolutely nothing. That can occur rapidly have to a borrower declare bankruptcy.

Finding a Negotiator

Bank card debt negotiators know how you can tactic loan companies along with other collectors. They have an in-depth know-how of financial markets, economic developments, and also the fluctuation of curiosity charges and currencies. This info can be priceless when it arrive to negotiating a financial debt settlement. Also, just following preliminary negotiations, the negotiator will be ready to offer you the overcome shopper as to their rights and option pertaining towards the bank card financial debt.

Payment Because of

Once all of the negotiations have taken area, and this could acquire weeks, specifically when you have a lot more than one or two collectors with whom you're making an attempt to get rid of bank card debt, the payments will be created towards the negotiator and he or she will maintain track that the circumstances they have negotiated are stored. The debtor will end up doing one specific cost-effective payment the moment a month, to 1 specific place, at 1 rate of interest.

How to Making Money

As someone who switches between the hats of freelancer and small business owner several times a day, I’m always on the lookout for software that will help me manage things like invoicing and expense management, financial reporting, project management and team discussion.

It’s not hard to find apps that excel at one of these things. What is hard is finding an affordable solution that allows me to manage all of these aspects of my business from one place, making it easier for myself and my team to get the busywork and administrative stuff out of the way and back to the work of creating content.

Paymo is an app that covers time-tracking, invoicing and project management for freelancers and small businesses. It’s challenging incumbents like Freshbooks, with an offering that is not only cheaper but — in many areas — stronger.

Paymo is a bootstrapped startup with an app built by a small team in Romania. Though they’re talented, their country of origin can make it hard to get any real traction in the West. Eastern Europe has started to create some great tech startups of late. Paymo.biz, which isn’t to be confused with Paymo.com, owned by American mobile payments company BOKU, is one of these.

Making you wait until the end of a review as long as this one to find out whether the app is worthwhile or not seems a bit unfair on the reader, so here’s the bottom line on Paymo: this week, I’m transitioning my freelance business and my small agency to run on Paymo, leaving a random collection of tools such as FreshBooks, project management apps and emails that belong in project managers behind. Paymo has everything I need to run freelance and small businesses, and I can see it scaling to medium size with relative ease.

The Dashboard

Paymo’s dashboard provides you with an overview of how time is being spent in your business when you log in for the day. It’s got charts that show the hours worked per day for the last week, as well as statistics and charts on how much business time was spent on work versus, well, nothing — it can tell you this because users set the work days and work hours of each week, making Paymo a good tool for ensuring that employees are spending their time wisely. With Paymo, time tracking is as useful for billing clients as it is for ensuring your team has been working.

Also on the dashboard is a Recent Activity summary, which shows you recent milestones and tasks that have been completed. You can get RSS or iCal feeds for recent activity.

Client Management

Paymo’s client manager is robust enough that most freelancers and smaller businesses won’t require a separate, dedicated CRM platform. When creating a new client, there are fields for a whole range of information for both the company, and your contact at the company, including an area to make notes in. Paymo lets you add a logo for the client for quick identification.

The Clients tab shows you an overview of all of your clients, including how many staff are allocated to them, the number of active projects they are on, and how many completed and archived projects you’ve done for that client.

The view for individual clients shows the contact information as well as all other details and notes for the company as well as the contact details of the individual you designated as the contact there.

You’ll also find financial statistics, such as how many unbilled hours you’ve done for the client, how much money is due from that client and a handy meter at the bottom that shows you how much of the time budget for each of that client’s projects has been used — you can set a number of hours per month per client project and the time you track or enter for the project will fill up the bar. This is a great feature if you have clients on retainer for a set number of hours to prevent you from going over.

There’s a chart for financial statistics, but it seems that I need to populate the system with more information before anything will appear there.

Project Management

The Projects overview is a simple view that lists each active project, their corresponding parent clients, and the used budget meter makes a reappearance. Clicking through to a single project, the first thing you’ll see is the overview tab, which contains data about the amount of time spent on tasks that fall under the project, recent activity, time worked, unbilled hours, and access to settings — such as the hourly rate on that project. From this view you can subscribe to a project specific RSS or iCal feed, and retire or delete the project.

On the Tasks tab, you’re able to set up a variety of task lists, which contain the actual tasks. Tasks can have a description, marked up with Textile, a due date, and related attachments. You can assign each task to a user, and determine whether that task is billable or not in case you include administrative tasks that you don’t normally bill for in project task lists.

You can save task lists as templates, which is fantastic if you work in a field where projects often look the same, at least to begin with. You can comment on tasks and discuss them with other users.

Milestones are an important part of all project management apps, and Paymo doesn’t disappoint. You can add milestones with a due date and a person responsible for ensuring progress towards that milestone, and associate it with a task list. Once the items in that task list are complete, the milestone is deemed reached, but you can manually complete a milestone without a task list.

Paymo’s data storage comes into play on the project level. The second-last tab in the project view is the Files tab, where you can upload and categorize images, documents and other files that are relevant to the project. Any file you upload as an attachment to a task will appear here as well.

Last but certainly not least is the essential Discussion tab. This tab works like a forum, where discussions are sorted by category, though there are none by default. As with most larger text inputs in Paymo, discussion posts can be formatted using Textile. There is unfortunately no way to reference attachments or tasks in discussions yet but the discussion area isn’t weighed down by bloat, which is a problem I commonly have with forum software.

The Timer

Paymo has a browser-based timer that can be launched from within the web app or a bookmarklet, and will appear as a smaller pop-up window easily positioned to the side of whatever you’re working on. It’s a breeze to use: select a project, a task, and hit the Start button. You can optionally include notes about the time spent, which allows you to easily account for every slice of time you spent on a project.

While some time tracking applications only allow you to tie time slices to clients and projects, Paymo has task management features right there in the timer. You can add a new task to a project to start timing right there and then, and mark a task as complete as well. You can’t set up a project from within the timer but once that’s done you can manage everything in it.

Paymo offers a desktop widget for Windows and OS X that simplifies the process of time tracking. While it is great to have the ability to track time from unexpected locations, a widget is more easily accessible and is still there when the Internet goes down. All you need to do after installing the widget is throw an API key into it, which is conveniently provided on the widget download page, and log in to your account. The widget is laid out just like the online time tracker so there’s no confusion.

While I doubt you’d even notice the size of the widget on a computer with a more regularly sized computer, I’m testing this on an 11″ MacBook Air which leaves me wishing there was a thinner option. The widget takes up about a quarter of the dashboard — still manageable, but a way to choose between the default view and a compact view would be fantastic.

While the beauty of tools like Paymo is that you can use a timer to automatically log how much work you’ve done on a project, you can also manually enter time slices into the Timesheet after the fact. If you go out on an in-person call or to a meeting, it’s less practical to use a timer. Or you may have simply forgotten to hit Start but still need to get paid for the past five hours of work.

Time tracking is certainly Paymo’s strongest suit. In the past seven years I’ve searched long and hard for a great way to unobtrusively track time and I’ve always hated the solutions I’ve tested. Paymo does it for me.

Desktop App

In addition to the desktop widget for time tracking, there’s a more fully-featured desktop application available. It’s still in beta, and comes in Windows and, more recently, Mac flavors.

As beta apps, they’re early on and not fully developed, but are an interesting way to see not just how much time you’ve spent, but how you’ve spent it. The app keeps a record of how much time you spent in each app you used for the duration, and allows you to sort them by client and project later.

This is a really cool feature: if you’re tracking time for Client A, but Client B calls you on Skype midway through, you can easily bill the appropriate clients for each slice of time and you won’t lose any billable hours due to not having an accurate account of the interruption.

Invoicing

Paymo’s Invoicing feature set is easy-to-use and robust without the bloat. From the overview, you can view and set the statuses on invoices. These include draft, sent, viewed, paid and void. Paymo makes it easy to export invoice data as CSV so you can set up Excel spreadsheets of your monthly activity and the like.

The invoice creator is a WYSIWYG affair, and draws on your company settings to populate the invoice with some default information, before you come in and set the individual details such as the client and the hours logged in question. You don’t need to draw on your tracked time and can enter fixed figures instead (or in addition). Like most invoicing apps, you can set taxes that are automatically calculated, provide notes, and so on.

One of the great things about Paymo invoicing is the ease with which you can change the currency of an invoice without having to go and edit the client settings separately. For a freelancer or small business owner with a situation comparable to mine — accounts in a range of different countries, paid in a range of different currencies — this small detail saves time.

Most apps don’t have a feature for this, and some that do (like Freshbooks) make it the default for the client in the future instead of just that invoice, which isn’t what I want.

Adding time to an invoice is a breeze. Click on Add From Time Sheet, select a date range — there are commonly used presets, such as the previous month — and barring any need to change details, click Submit. If you’ve set up your clients, projects and company settings properly, and tracked time accurately, creating an invoice is a matter of a few seconds and a few clicks.

You can create a PDF file from that invoice or provide your client with a permalink that shows them the invoice in the browser (with the option to download it as a PDF or print it). The most common route is to use the Send button which will email it from within Paymo.

Paymo has recently introduced a beta “pay online” feature that allows clients to click a Pay Now button on the invoice page they are taken to and pay the invoice then and there through PayPal. Despite the beta label it works like a charm.

Creating recurring invoices is just as easy, and can be done from the Recurring tab of the Invoicing section, or just by ticking the Recurring button in a new invoice. These can even be sent out automatically once configured so you don’t need to worry that you’ve forgotten to invoice and will be gnawing on your fridge, which with any luck has accumulated the flavors of its former contents, for sustenance next month.

Paymo has a section for expenses, which can be easily categorized, assigned to clients, and there’s a section to upload a scan of a receipt. You can mark these as unbilled or invoiced, depending on whether you want to claim a tax deduction or just get the money back from a client.

Next time you are editing a draft invoice or creating a new invoice for that client, there will be a notification on the editor that says there are outstanding expenses. Click one button and they’ll be added to the invoice with the description and amounts filled in.

If you frequently do estimates in your line of work, there’s a feature for that. It works much like the regular invoicing tool.

Reporting

Paymo’s reporting makes it easy to generate custom reports and look over your business activity for any time period, from the current day to all time, which is something I’m fond of as a stats-and-charts junkie. It’s good to be able to see at a glance where most of your money is coming from versus where most of your time is spent, enabling you to make changes that improve efficiency and earnings.

You can get a rough idea of how much income you are looking at for the current month’s unbilled hours with stats on hours worked (sorted by either project or user), and a financial statistics chart that shows dollars billed and received per month, which is handy for seeing at a glance where overdue accounts receivable are.

You can view reports in the browser, and they can be downloaded in PDF or CSV format. I have a feeling that I won’t really be able to put Paymo’s reporting to test until I’ve got more data in the system — at least a month’s worth for any sort of report I’d base a decision on — but the system seems promising.

Team Management

Let’s skip the boring stuff, except for one quick sentence: you can create users easily enough and allow them an appropriate level of access to Paymo. But what sort of team management features does Paymo provide for business owners?

Running a distributed team means that while the working environment for each member is almost always more to their taste than an office with headache-inducing fluorescent lights and no fresh air, it’s harder to keep a boots-on-the-ground eye on how things are going and whether the hours are getting done.

Once you’ve set up a user’s working days and hours and they start tracking time, you can take a look at their user page, which shows the amount of time they spent working in the past week, and has a Performance meter. Obviously time worked isn’t the only measure of performance, but if your employees have been spending fewer hours than they’ve been getting paid for, you’ll want to know — and Paymo makes that easy.

You can view the user’s timesheets to get more details about the way they’ve spent their time, and see meters for every day in your Paymo account’s history that tells you how much of each work day was tracked.

It’s possible to set up ‘non-working days’ on a user-by-user basis, so that taking leave or a sick day doesn’t impact their performance rating. Finally, you can assign projects to users directly from their profile page.

API

Developers who want to build apps that work with Paymo, either for internal apps or for publicly available apps, are in luck. Paymo have an API that’s freely available to all users, with documentation that appears to be up-to-date with Paymo features.

Mobile

If you go out for a meeting once or twice a month, perhaps it’s easier to manually input time spent later on as I mentioned earlier. But if your business is all about making house calls and the like, or you just like to be accurate to the minute, a mobile app is the way to go.

There’s a capable, free Paymo timer available for the iPhone, but there doesn’t seem to be an official Android app yet. There is an unofficial Android app available — it’s great to see that the API is doing its job in ensuring that Paymo is as accessible as possible on a variety of platforms.

Pricing

There are three Paymo plans available. The first is free, and is great for those who just want a time tracker or freelancers with just a few regular clients. It includes three invoices per month, two users, 50MB of storage, unlimited clients and projects and the time tracking features.

The Basic plan at $9.99 per month drops the limit on invoices altogether and boosts the storage limit to 5GB. It’s designed for freelancers who need to send more than three invoices a month, and young startups.

Finally, the premium plan uses a per-user pricing model at $3.99 each, and applies to businesses who need more than two users to access Paymo. It currently supports up to 40 employees. Premium also gives users 15GB of data storage.

Competitors

Paymo has several well-established competitors in the freelance and small business-oriented invoicing and time-tracking arena, like Freshbooks and LessAccounting.

LessAccounting has some fantastic offerings but puts more of its focus on the money. It’s used for tracking expenses, creating and sending invoices, keeping track of accounts receivable and so on. It starts at $30 a month and has add-ons for the assistance of a real bookkeeper with packages for 6 hours of help per quarter ($70) and 7 hours of help per month ($270). The offering is solid but the pricing and the feature set mean that users looking for something like Paymo aren’t likely to find their solution here.

FreshBooks has been in the game longer, and are best known for their invoicing features. The free plan is constricted to unlimited invoices but for only three clients, and their entry-level paid plan is $19.95 and has a 25 client cap — twice as expensive as Paymo’s plan without client or invoice limitations. Their strengths lie in the ability to send an invoice via email that makes it a breeze for the client to pay online through a variety of payment gateways, including PayPal. Using this in practice doesn’t always seem to pan out with the majority of clients (at least in my experience) having specific instructions as to how invoices should be received. The interface looks better than it works — I find it a bit fiddly — and the company’s foray into time tracking and project management has generally produced poor tools.

Paymo is faced with some capable alternatives. But their strengths are clear, Paymo strikes me as the best all-rounder suite for freelancers and small businesses who need a platform for not just money management but project management.

The Bottom Line

I told you at the start: Paymo is the app I’ll be using to run my business starting next week. After searching for an app with a feature wishlist that is pretty much summarized by Paymo’s actual feature list, and an implementation that doesn’t make me hate time-tracking, I’m sold.

If you’re paying a fortune to run two apps like FreshBooks and Basecamp, chances are all the features you need are in Paymo (though if you need the extra power that Basecamp’s specialization in project management provides, you can sync your Paymo account with it).

It has got some rough edges, but I’ve seen the Paymo team’s iterative approach at work and new features are tackled quickly and tested early. Paymo checks my boxes now, but I’m confident that anything I’ll miss won’t be far behind.

With a free account plan that lets you test out the full feature set, there’s no risk in giving Paymo a try. I suggest you head on over and see for yourself.

Laurence Griffiths/Getty Images

For Manchester City, money might as well be water.

You take it for granted and you end up wasting a lot of it.

The English side has thrown millions of dollars at countless players over the years, and don't have much on-field success to show for it.

Yet, it hasn't changed the club's approach, and it seems like Man City is ready to make a splash, and are looking at the world's best club to do so.

Per Tribal Football:

City boss Roberto Mancini has been told it will cost him £45m to lure Barcelona superstar Villa to Eastlands, says the Daily Star.

Villa is one of several targets on Roberto Mancini’s list as he plans for the departure of rebel Carlos Tevez.

The Manchester City boss reckons the Spanish World Cup winner would be a huge hit in the Premier League.

Somehow I doubt this move will ever actually go down.

Barcelona is not going to break up a club that has just won the Spanish crown and the European title in the same season, not even if the funds would allow the club to increase its bid for Cesc Fabregas.

Manchester City has high hopes after Carlos Tevez asked out of town, but Barcelona isn't one of those clubs who makes drastic moves just because another squad happens to put a lot of money on the table for a top player.

David Villa is a perfect fit for Barcelona, and Manchester City is just trying to make a splash for the sake of doing so.

That isn't the way to run a club, and there is a reason that City hasn't been able to consistently compete with England's top squads.

You need to build a team by making moves that compliment the rest of your roster. Clubs like City and Real Madrid make moves without considering how everything fits together, and then the results on the pitch suffer.

City will try and land Villa, but it will be a fruitless effort.

In the end, Tevez will likely stay in Manchester, and Barcelona will cling tight to Villa as they prepare to make another run on the world's biggest stages.

Most recent updates:

• Barcelona Transfer News: Sanchez Signing Will Help Keep Barca at the Top


• Barcelona Transfer Rumours: Slow Offseason Heats Up as Barca Closes in on Araujo


• Barcelona Transfer News: Toure Loses His Mind with Barcelona Comparisons



• View all updates

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Making Money With Options

Derek Jeter’s pursuit of hit No. 3,000 finally came to an end on a beautiful Saturday afternoon in the south Bronx. The Yankees’ No. 2 hit his second hit of the game in the second inning right at 2 p.m. local time. Coincidence? Fate? We will never know.

What we know is that on July 9, 2011, Jeter drilled a pitch of Tampa Bay’s David Price into the left field bleachers and became only the second player in history to reach 3,000 hits with a home run. He also became the 28th player overall to reach 3,000 hits and the first in Yankees’ history. Mr. November has added yet another milestone to his glorious career.

Jeter, 37, has two more years left on his current contract with an option for 2014. The aging face of baseball’s most storied franchise will be confronted with new challenges. What will the future hold for Derek Jeter?

It’s highly unlikely that Jeter will rebound from his struggles on the plate. His numbers will continue to decrease and his age will sooner or later become a major obstacle, especially at the shortstop position. Moving him to the outfield? Making him the DH? The Yankees’ options are limited, so what to do with their beloved captain?

Let’s assume Jeter is able to contribute as the team’s shortstop throughout the 2013 season and won’t take the option for 2014, the Yankees would have to pay him $3 million and No. 2 would become a free agent. This means he would be able to sign with any other team or retire. Jeter wearing anything other than a pinstripe jersey seems as impossible as Pete Rose getting into Cooperstown.

For at least the past month now, there has been speculation that the Houston Texans would pursue Nnamdi Asomugha in free agency, assuming there will be a free agency. In fact, a recent article on NFL.com suggests that Asomugha will be a high priority for the struggling secondary of the Texans.

However, on a team that is remaking its defense (i.e. switching from the 4-3 to a 3-4), spending exuberant amounts of money on a player that does not want to play for your team makes no sense. Add to that the fact that the Texans are at risk of losing the best fullback in the NFL, and I believe that is obvious that Asomugha's chances are better elsewhere. 

Granted, the Texans are at a crossroads. Gary Kubiak, and the entire coaching staff for that matter, is on the hot seat this season. Putting together a playoff caliber team must be the top priority for him, but I believe that there are better options available. 

Perhaps the best options for Houston, should they pursue a DB in free agency, would include: Johnathan Joseph (CIN), Brent Grimes (ATL) or Richard Marshall (CAR). Each of these players comes with at least four years of experience and a much smaller price-tag than that of Asomugha.

Statistically, Richard Marshall would be a relatively safe and smart signing for the Texans. When compared to Asomugha, the numbers don't lie. In 2010, Marshall had 74 tackles, one sack, three INTs and a forced fumble compared to Asomugha's 17 tackles, no sacks, no INTs and no forced fumbles. Additionally, Marshall is three years younger than Asomugha, making him, perhaps, more likely to be healthy in the long-run.

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