WH Williams Quality Assurances Are Great For Your Business

Quality assurance begins with your initial design. Throughout the manufacturing process, we adheres to strict procedures. You’ll receive the highest possible product quality in accordance with ISO 9001:2000 standards.

Design Trends

Our quality standards are ultimately a reflection of our peoples’ eagerness to continually improve – and you’ll benefit from that commitment.

CERTIFICATION ISO9001 (Lic # QEC21343)
WH Williams & Sons Pty Ltd specialises in the provision of a full range of metal fabrication services to its clients whilst maintaining the highest ethical, safety, environmental and professional standards.

The objectives of the company are to:

Provide exceptional service and reliability.
Provide quality workmanship by committed and trained personnel.
Operate at competitive rates for short run and urgent work using only the highest quality materials.
Operate to the satisfaction of our clients, the industry regulators and our staff.
Provide these services in a professional and ethically responsible manner.
To achieve these objectives and satisfy the expectations of clients, the company is totally committed to implementing and maintaining the Integrated Business Management System which is based on AS/NZS ISO 9001:2000 and which incorporates the requirements of AS/NZS 4801:2001 in relation to Occupational Health and Safety. See also Policy Statement for OH&S.

There are many benefits of implementing a Quality Certification System – both internal and external:

Enhanced reputation that creates new business opportunities in domestic and export markets
Continuous improvement of business performance through ongoing certification audits
Improved staff morale through quality performance
Assurance that risk management strategies are in place
Improved bottom-line through increased efficiency, reduced waste and better utilisation of resources.
Quality problems arising in various areas are to be identified and solved with speed, professional efficiency and economy. We shall focus our resources, both technical and human, towards the prevention of quality deficiencies to satisfy the organisational goal of “right first time…every time”. To ensure that these ideals are met, a formal system of Continual Improvement is in place. Formal and measurable quality objectives have been set by management and are regularly reviewed.

The successful operation of the system relies upon the co-operation and involvement of personnel at all levels. Our commitment to quality will ensure the continued success of our company and the satisfaction of clients, the regulators and staff.

The Business Systems Manager is authorised to ensure that the requirements of this Integrated Business System are implemented. Any problems that cannot be resolved between departments or personnel shall be brought to my attention for final resolution.

Premium Financing involves the lending of funds to a person or company to cover the cost of an insurance premium. Premium finance loans are often provided by third party finance entity known as a “Premium Financing Company”; however insurance companies and brokerages occasionally provide premium financing services. [1]
To finance a premium, the individual or company requesting insurance must sign a premium finance agreement with the premium finance company. The loan arrangement may last from one year to the life of the policy. The premium finance company then pays the insurance premium and bills the individual or company, usually in monthly installments, for the cost of the loan.
Contents [hide]
1 Types of Life Insurance Premium Financing
2 Benefits
3 Risks and Mitigates
4 Current Environment
[edit]Types of Life Insurance Premium Financing

Traditional – The client enters a fully collateralized loan arrangement with the intention of holding the life insurance policy to maturity. Traditional financing arrangements are generally purchased for estate liquidity needs and offer the most advantageous loan rates, fees, and spreads. The client may have an exit strategy using other assets in the estate. Traditional finance is particularly effective for clients who have a large but illiquid net worth.
Non-Recourse – A third party purchases insurance on the client and assumes the death benefit and premium payments. Non-recourse is not an acceptable life insurance sale in many circumstances due to a lack of insurable interest. Non-recourse transactions may pose hidden tax and liability risks to the insured.
Hybrid – Partial recourse financing that is generally designed for a short time horizon (2–5 years). Hybrid financing is typically designed for an exit via the secondary (settlement) market. Loan terms may include substantial arrangement fees (up to 2% of the death benefit), large loan spreads, and a cut of the producer’s compensation.
[edit]Benefits

There are a number of benefits to financing an insurance premium. [2] These include:
Eliminates the requirement for a large up-front payment to an insurance company.
Multiple insurance policies can be attached to a single premium finance contract, allowing for a single payment plan to cover all insurance coverage.
Premium financing is often transparent to the individual or company insured. Brokers transmit the completed premium finance agreement to the premium finance company, and the policy holder is billed as they would be for any other typical insurance policy.
Allows for clients to obtain needed coverage without liquidating other assets.
[edit]Risks and Mitigates

Factors to consider:
Interest Rate Volatility Risk – Since the interest due on the money lent to pay premiums is tied to an index, usually the LIBOR (London Interbank Offered Rate) or Prime if interest rates rise, the total interest charge will rise as well. If the policy owner can’t afford to pay interest payments then they stand to lose their insurance and be left with significant debt if the surrender value of the policy is less than the balance owed. If this becomes the case the client would have not been able to pay the premiums on a non financed policy in any event so as with anything else make sure your can afford the policy. Responsible lenders take this risk into account when they do their financial underwriting.
Renewal Risk – The lender has the right to call the loan at the end of the term. Virtually all premium financing loans have terms of a duration less than the life of the policy.
Carrier Credit Rating Risk – Financing terms are sensitive to the credit rating of the carrier holding the financed policy. Carrier downgrades may result in the lender choosing to not pay additional premiums and/or call the collateral for the loan.
Crediting Rate Risk – Carriers choose the crediting rate of in-force blocks of business at-will. Current crediting rates are not guaranteed. As such, any illustrated arbitrage in interest rates between the policy crediting rate and the loan interest rate may not exist in the future.
Credit Spread Risk – Life insurance carriers and premium finance lenders use the same fundamental financial instruments. Carriers fund insurance contracts with corporate debt. Lenders provide liquidity at personal debt rates. Corporate debt yields are less than personal debt rates. As such, premium financing is necessarily a negative spread for the client financing the premiums. There is no historical support for a long-term positive arbitrage between a loan rate and a life insurance contract.
Collateral Risk – Most premium financing arrangements that are designed to provide liquidity to the client at death are 100% collateralized. In most cases, the client must either post a Letter of Credit (LOC) or hard assets to satisfy collateral. Collateral requirements may vary with economic conditions and could force the client to liquidate positions in order to post collateral. Furthermore, a decrease in the value of collateralized assets (such as real estate or securities) may force additional collateral.
Settlement Risk – Some premium financing programs are sold under the assumption that the policy will have a substantial market value at the end of the term. The client can then exit financing arrangement and realize a gain on investment. The secondary life insurance market is highly volatile. Settlement offers will vary with the interest rate environment and the degree to which capital will “wait” for a return.
[edit]Current Environment

Premium financing arrangements are currently under intense pressure. Lenders often obtain capital from hedge funds and private sources, which are particularly sensitive to convulsions in the credit markets. Many lenders have ceased financing or added substantial fees to new programs. In-force financed policies are being called for collateral in large numbers. Clients who are “underwater,” where the loan balance exceeds the policy cash value, are being forced to post additional collateral at low risk-weighted rates and/or surrender the policies and pay the outstanding loan balance out of pocket. Additionally, several carriers who were active in the financing marketplace have been downgraded, causing large-scale exchanges or surrenders from in-force policies.
Hybrid arrangements that planned for a settlement exit are also coming undone. Settlement investors are severely discounting financed policies, especially from carriers with falling credit ratings.
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Developed in Australia this unique composite, forms a membrane which is capable of re-radiating 90% of infrared and 85% of ultra violet rays back into the atmosphere. Temperature readings on the underside areas of roofing not treated with the heat reflective paint were recorded at 55.8C whereas areas under the same roof at the same time recorded temperature readings of 38C.

Other tests have recorded a rise in temperature of only 1oC on the surface treated with the heat reflective roof paint and in the same conditions a rise in temperature of 19C on the untreated surface.

The amount of heat re-radiated back into the atmosphere, means there is less heat left on the roof surface to be conducted through the roofing material into the air, or even insulation material on the interior of the roof. Reducing the heat available to be transferred means that the air touching the roof or insulation material will not warm up to the higher temperatures that untreated roofs create.

Roof paints can be applied to large or small areas of roofing made of almost any material – metal, asbestos, asphalt, fibreglass, timber, concrete, shingle. A particularly successful application of this membrane is the treatment of large industrial and commercial structures resulting in premises experiencing much lower internal temperatures. Significant reduction of inside temperatures, produces less, or in many cases, no need for additional ventilation from fans and extractors, or even portable air-cooling systems.

Insultec Reflective Paint is a water based co-polymer paint compounded of inert pigments and special fillers. Because it is applied in liquid form the heat reflective paint is also able to bridge hairline cracks and gaps up to 1.6mm, increasing the water proof capability of the existing roof. Creating a membrane over the area of application the heat reflective coatings from Insultec are available in a range of colours, both light and dark. As per the laws of physics, it is highly recommended that a lighter shade be used, rather than a dark one, to enhance the reflective ability of the membrane.

Using Insultec, Heat Reflective Paint will make a huge difference to the inside temperature of any building, a huge difference to electricity usage, and in turn contribute to the worldwide drive to reduce Global warming.

Heat Reflective Paint can reduce your cooling costs in an industrial warehouse! To save money on cooling costs get heat reflective paint added to your industrial roof.

Anthony Gherghetta
Managing Director

Phone: (02) 8090 7588
Fax: (02) 9848 2214
Mobile: 0434 868 940

Website: www.theclickagency.com.au

Pronto pollo scone news

Sunday, June 06, 2010 Pronto Pollo, in association with Lawson’s Bread and Kraft Philadelphia Cream Cheese, proudly announce the launch of the Great Australian Sandwichship. Read More >> If you have been under the impression that a pizza is just another snack that is to fill your stomach, then you sure have been mistaken. On the contrary to the above mentioned misconception, picking the right pizza toppings can actually make a world of difference to the meal that you are about to consume and also make the day or the evening more delightful.

When ordering a pizza, most people just end up asking for a regular pepperoni with extra pepperoni and extra cheese. What such people fail to realise is the fact that there is more to a pizza than just pepperoni. There is also the Hawaiian chicken, the Jamaican delight and for those who are vegetarians, you have the margherita pizza and also other assorted vegetable pizza topping.

Just like any other food item, pizza is also one that needs a lot of experimentation. Instead of just ordering one large or medium sized pizza with one safe-to-eat topping, you could rather buy two small sized pizzas with two different toppings on them. Instead of just letting your tongue get used to the same fare, you can actually let is experiment and learn to love more than just one taste.

If you think that you can be the worst judge when it comes to picking the right pizza toppings, then it would be best to ask the person who is taking your order as to what is the best or perhaps ask one of your friends or your lover about a new menu that would take care of your appetite and at the same time let you relish some new tastes.

Just remember, pizza is very much like any other main course dish and it all boils down to picking the right pizza toppings.

Over the past 13 years, Pronto Pollo has been built on a strong philosophy of food innovation and delivering to our customers exactly what they want. That said, we’re always keen to stay in-touch with what our customers are creating Find out how >

Mailpost
Would a company like General Electric spend literally tens-of-millions of dollars each year on leadership training if it did not expect a handsome return? I don’t think so! And the ability to lead successfully is why companies pay CEO’s millions and in some case over $100 million to ensure the success of the enterprise. Under their leadership, many companies have experienced spectacular growth including shareholder gains.

Mailpost
While there are certainly disagreements over the exact definition of leadership, most academics and business people agree that leadership is an influential process whereby an individual, by his or her actions, facilitates the movement of a group of people toward the achievement of a common goal. Ensuring that the group have a culture of working together in a Team spirit and respecting their leader is of prime importance.
Mailpost
Do Leaders affect organisational outcomes in all situations?
For instance, the Global Financial Crisis (GFC) resulted in the collapse of large financial institutions, the bailout of banks by national governments and downturns in stock markets around the world. In many areas, the housing market has also suffered, resulting in numerous evictions, foreclosures and prolonged vacancies. It is considered by many economists to be the worst financial crisis since the Great Depression of the 1930s. Mailpost It contributed to the failure of key businesses, declines in consumer wealth, substantial financial commitments incurred by governments, and a significant decline in economic activity. Many causes have been proposed, with varying weight assigned by experts. Both market-based and regulatory solutions have been implemented or are under consideration, while significant risks remain for the world economy over the 2010–2011 periods.
Mailpost

National business’s like MailPost (franchised delivery Network) and many others in a start up phase launched their services during the GFC. In this case a high growth cycle practically came to a standstill. Mr Peter Kritas, the CEO and founder of MailPost Australia Limited from July 2006 till March 2009, was asked to step aside and allow new management to take over the Leadership of MailPost during a very critical period. During difficult situations, it is not uncommon to lose confidence in the Leadership and change management to try and fix the situation. This sort of behaviour should always be exercised with caution as it can do more harm than good. There are clearly some business situations that are beyond any Leaders ability to rectify and wasting time and resource in a change of management is not the best option. In many cases Leaders need more support during a crisis from their management Team to maintain confidence.
Mailpost
The case of MailPost is a clear example of an innovative business model, whereby its Unique Selling Proposition (USP) was actually a franchisee investing and having a stake in the MailPost business, thus offering a higher level of guaranteed service than what was available through an employee or contractor model that was the norm. This USP during a GFC also became the “Achilles Heel” as recruitment of franchisees practically came to a standstill. MailPost relied on a recruitment schedule to establish the mailpost letterbox distribution service on a National basis. Whilst the CEO had a track record of positive growth and profits prior to the GFC and maintained a positive attitude towards a solution to get through the crisis, this leader was not supported but was rather asked to step aside.
Mailpost

There is no doubt that the recent Global Financial Crisis had a huge impact on many CEO’s around the world whether their business was established or in a start up phase. Stress levels reached new heights for leaders as the economic pressure were felt.
Successful Leaders anticipate change, vigorously exploit opportunities, motivate their followers to higher levels of productivity, correct poor performance, and lead the organisation toward its objectives.
A review of the leadership literature, in fact, led two academics to conclude that the research shows consistent effect for leadership, explaining 20 to 45% of the variance on relevant organisational outcomes.
Training and the effectiveness of leadership programs vary. They will because the programs themselves are so diverse. Moreover, people learn in different ways. Because some leadership programs are better than others and because some people participate in programs that are poorly matched to their needs and learning style, we should expect leadership-training effectiveness to have a spotty record. So decision makers need to be careful in choosing leadership training experiences for their managers. But they shouldn’t conclude that all leadership training is a waste of money.
In conclusion we say that leadership training is a more positive feature provided it is imparted to managers who have come up in the organisation to a certain level by their natural ability and the leadership training will definitely hone their skills to achieve much better performance and capable of taking higher responsibilities.

Written by Peter Kritas

If we want to awaken our Spirituality we must embrace both sides of events being good or bad equally. Life is like a magnet of positive and negative energy. Searching for a one sided magnet is futile. Searching for a one sided life is equally as futile. It is wise that we embrace the cycles of happiness and sadness equally along our journey of life, for they will both guide us to our most authentic self. True love includes a balance of both synchronously. I believe there is a Grand Orderly Design (God) in the universe and this can be seen by the science, magnitude and intelligence of what exists.

Many Entrepreneurs and Leaders around the World are harnessing their power to make a difference. Today, more than in any other time in history, extraordinary individuals are equipping themselves to create more wealth, and contribute more wealth. In 2006, Bill Gates, the richest man in the World, announced he would dedicate his time to his charity foundation. Warren Buffett, the second richest man in the World, announced he would give 85% of his fortune away. These men have a higher purpose and are in tune with their Spirituality.

In all callings there are occupational hazards and the perils of a Leader and their Spirituality are especially subtle. Leaders are not immune to the temptations of physical wealth and attainment, but the dangers most to be guarded against lie in the realm of the Spiritual. Leaders must remember that physical power will endeavour to take advantage of every inch of ground that it concedes in every other area of one’s life.

Visionary or Leader

A person who possesses marked gifts of Leadership may reach a place in their organization that compels them to choose whether their role is to be one of popular Leader or unpopular visionary. This has been my experience when I founded MailPost Australia. When someone becomes conscious of the fact that they are a Leader in their own organization, they have reached a major pinnacle for change management in their business. They must now choose one of two courses, that of Visionary and Creator or a Leader of men. If they seek to be a Visionary and a Leader, it has been said to me by many that they will be apt to make a failure of both. If they decide to be a Visionary only insofar as they can do so without losing their Leadership, they become a diplomat and cease to be a Visionary at all. If they decide to maintain Leadership at all costs, they may easily fall to the level of a politician who pulls the wires in order to gain or hold a position. In MailPost I decided to focus my attention to be a Visionary and Creator and assist the business in the backend as in March 2009 it seemed like there were many that wanted to lead the business and I chose to step down as Chief Executive in MailPost Australia. In this case looking back on the situation it was not the best timing to succumb to the pressures of change management for the same reason that change management is quite risky when an organisation is not in a start up or unstable state.

Of course, there is no clear-cut dichotomy between the two roles and the one does not necessarily exclude the other. But a situation can very easily develop like in my case, in which one has to choose between a Visionary Role that is conceptually based and a people centric Leadership role. Can we be both? Herein lies the paradox.

Samuel Brengle was one of the truly great Leaders of the Salvation Army. A man of scholarship as well as of unusual Spiritual power, he outlined the role to Leadership in challenging words: “It is not gained by seeking great things for ourselves, but rather, like Paul the apostle, by counting those things that are gain to us as loss for Christ. That is a great price, but it must be unflinchingly paid by him who would be not merely a nominal but a real Spiritual Leader of men, a Leader whose power is recognized and felt in heaven, on earth, and in hell. He chose to be a Leader of men rather than a Visionary, and that was the secret of his power that manifest the growth of the organisation.

Pride

The very fact that a man has risen to a position of Leadership and prominence tends to engender a secret self-congratulation and pride which, if not checked, will unfit them for further advancement, for “everyone who is proud in heart is an abomination ” (Prov. 16:5)… strong and searching words, are they not? Nothing is more distasteful than self-conceit. That first and fundamental sin in essence aims at enthroning self at the expense of the universal God.

Sin is a word used to express the non-adherence to the universal laws. Of the myriad forms that sin assumes, none is more abhorrent than Spiritual pride. To be proud of gifts given or of the position we have been elevated to, is to forget gratitude for all we have received.

The ego can become enflamed when we achieve good things and Pride is the sin of whose presence its victim is least conscious. There are, however, three tests that will help us discover whether or not we have succumbed to it.

The Test of Precedence

How do we react when another is selected for the assignment we expected or for the office or business we coveted? When another is promoted and we are overlooked? When another outshines us in gifts and accomplishments?

The Test of Sincerity

In our moments of honest self-criticism we will say many things about ourselves and really mean them. But how do we feel when others, especially our rivals, say exactly the same things about us?

The Test of Criticism

If you lost your position in an organisation or censured for your work, does that arouse hostility and resentment in our hearts and cause us to fly to immediate self-justification? Or do we simply go to a place of acceptance and understanding and move off to a place of wisdom?  Do we hasten to criticise the critic?

Popularity

There will always be those unwise souls who grant undue deference to their Leaders and advisors, and who tend to exalt one above another forgetting that we are all fellow-workers for one common purpose. Popularity is the most dangerous Spiritual state imaginable, since it leads one so easily to Spiritual pride which drowns men in a state of Spiritual ruin. It is a symptom to be watched with anxiety since so often it has been purchased at the too heavy price of compromise with the world.”

An exaggerated yielding to Leaders is a mark of Spiritual immaturity. And an acceptance of such fawning deference by the Leader is an evidence of the very same weakness. It is not wrong to be greatly loved by those whom one has endeavored to serve, but there is always the danger that devotion may be deflected from the Master to the servant. Leaders are to be “esteemed very highly in love for their work’s sake,” but that esteem should not degenerate into adulation.

That Leader is most successful who attaches the loyalty of his team more to the outcome of the Project than to themselves. He can rightly draw encouragement from the fact that his service has been fruitful and appreciated, but he must refuse to be idolized.

What Leader does not desire to be popular with his constituency? Certainly there is no virtue in unpopularity, but popularity can be purchased at too high a price. Jesus made that crystal clear when He said, “Woe unto you when all men speak well of you.” And He expressed the complementary truth when he said, “Blessed are ye when men revile you and persecute you, and utter all kinds of evil against you falsely for my sake.”

Success exposes a man to the pressure of people and thus tempts him to hold on to his gains by means of physical methods and practices, and to let himself be ruled wholly by the dictatorial demands of incessant expansion. Success can go to one’s head, and will unless one remembers that it is the Team as a whole and the divine that accomplishes the work, understanding that everyone is dispensable, and that the organisation will be able to make out with other means whenever a Leader is cut down to size.

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Elation and Depression

In every work, there are inevitably times of discouragement and frustration as well as days of uplift and achievement. The Leader is in peril of being unduly depressed by the one and unduly elated by the other.

Depression is the comparison of your current reality to your unrealistic expectations. If one does not find a downside to their fantasies then one will not find an upside to their reality. Sometimes positive expectations can be a delusion, but that does not mean to say that one should not have positive expectations as they are the mindset that creates the building blocks and movement in life. There two sides to every coin as there is good and bad for example, if you were to video tape someone during their life and took scenes out you could make someone into a hero or a villain, and that applies to every human being, even Jesus Christ.

The seventy disciples of Jesus returned from their mission, highly elated with their success. Jesus quickly checked this natural but soulish reaction. “Do not rejoice in this, that the Spirits are subject to you,” He admonished them, “but rejoice that your names are recorded in heaven” (Luke 10:20). He directed their attention to their work that had been noted and not their ego thinking proudly of their achievements.

After the drama on Carmel, Elijah experienced such acute depression that he wished to die. The Lord did not approach his overwrought, self-pitying prophet with a Spiritual probe. Instead, He made him take two long sleeps and eat two square meals. Only then did He begin to deal with the deeper Spiritual problem. He was able to show Elijah that no real basis for his discouragement existed. There were still seven thousand of his compatriots who had never bowed the knee to the pagan god Baal. By fleeing, he had deprived the nation of the Leadership of which it was in desperate need.

It is realistic to face the fact that not all our ideals will be realized. Cherished idols prove to have feet of clay. People on whom we lean will prove broken reeds. Even Leadership that has been deeply sacrificial will sometimes be challenged. But the Spiritually mature Leader will know how to discern the true origin of depression and discouragement and will deal with it accordingly.

Then there are seasons when everything goes well. Goals are reached; planned endeavors are crowned with success. In those times the mature Leader knows on whose brow to place the crown of achievement. There is a quote that sums up the wise attitude to that mindset in these words: “If successful, don’t crow; if defeated, don’t croak.”

Jealousy

Jealousy is a near relative of pride. The jealous person is apprehensive and suspicious of rivals. Every Leader, at some point along the way, will be tempted to be jealous.

Being a Leader often means that we are out front…and when we see others get out in front of us many times the result is NOT celebration but frustration.

SO…we get jealous…but disguise that jealousy in conversations with other Leaders as “concern.”  (Which…if we were REALLY concerned with another person wouldn’t we just talk to them rather than talk about them?)

Being jealous is an extreme danger because it is a sin rooted in a heart that refuses to give gratitude…and instead focuses on what God is doing for others…and begins to covet.  (Remember Saul became outraged when he was credited with thousands and David his tens of thousands…and that jealousy was the beginning of the end for him!)

Envy gets the best of them…and instead of focusing on reaching the goals of the work at hand they begin interrogation tactics on any work that is seeing success in order that they can justify why they are so much better than the other guy!

How do we combat jealousy and envy?  Simple…two things …

1 – Celebrate the success of others – seriously, when another person succeeds–CELEBRATE!  The last thing the organization needs is management or Leaders taking shots at one another and disguising it as “protecting the business” when it is really that Leaders damaged ego because they perceive that their “glory may be fading!”

2 – Don’t let yourself switch to negative mode – One of the things that really drives people up the wall is when a person begins to experience some success and you begin a conversation about that particular person with negativity that  is the result of a lethal combination of insecurity and pride! When someone else succeeds…CELEBRATE; after all, we play for the same COACH, we’re on the same team!

Because…if we don’t learn to celebrate success we may cease to see it because God knows our motives are not about “HE” or “we” but rather all about “me!”

Infallibility

Spirituality does not equal infallibility. The fact that a person is indwelt by the Spirit and seeks to be led by the Spirit will doubtless mean that he is less liable to make mistakes than those who do not; but since he is still in the flesh, he is not infallible. Even the divinely called and Spirit-filled apostles made mistakes that required divine overruling.

The Leader who knows God, and probably knows Him better than his colleagues, is in danger of falling unconsciously into this subtle peril. Because his judgment has usually proved more accurate than theirs, because he has prayed and thought and wrestled with the problem more earnestly than they, it is difficult for him to concede the possibility of mistake and to yield to the judgment of his brothers. He must be a man of conviction and be prepared to stand for what he believes, but that is different from assuming virtual infallibility. Willingness to concede the possibility of an error of judgment of one’s brothers enhances rather than diminishes influence.