Archive for the ‘Reference’ category

Fall Safety and Small Business

September 5th, 2011

Fall Safety and Small Business ImagePeople need fall arrest equipment protection because even those with experience working at heights can lose their balance or grip; we can slip, trip, or misstep at any time. People may think that their reflexes will protect them, but they’re falling before they know it, and they don’t have to fall far to be seriously injured. People have been falling since Day One. Until people get better at landing, they will need protection from falling.

Falls from ladders, roofs, and scaffolds account for more than half of all disabling falls to lower levels. Disabling falls from ladders, roofs, and scaffolds are most frequent within the construction trades. The cause of such falls? Loss of balance caused by slipping, tripping, and shifting or unstable ladders.

Fall-protection equipment is the first thing that comes to mind in protecting against fall potential: personal fall-arrest systems, safety nets, or guardrails, for example. But fall protection means more than equipment. Fall protection is what people do to eliminate fall hazards, to prevent falls, and to ensure that workers who may fall aren’t injured.
Accomplished fall protection is done by the following:
Make fall protection part of your workplace safety and health program.
Identify and evaluate fall hazards.
Eliminate fall hazards, if possible.
Train workers to recognize fall hazards.
Use appropriate equipment to prevent falls and to protect workers if they do fall.
Inspect and maintain fall-protection equipment before and after using it.

Roles of personnel involved in assuring fall protection is effective:

For Employers. Identify fall hazards at the site. Eliminate the hazards, prevent falls from occurring, or ensure that if falls occur, employees aren’t injured. Make sure that employees follow safe practices and are trained to recognize fall hazards.

For Employees. Follow safe work practices, use equipment properly, and participate in training. Learn to recognize unsafe practices, know the tasks that increase the risk of falling, and understand how to control exposure to fall hazards.

For Architects and engineers. Educate employers about hazards that could expose workers to falls during each phase of the project. When designing buildings and structures, consider fall protection and other safety needs of those who will do the construction work.

For Building owners and managers. Ensure that those who do exterior construction or maintenance work know how to protect themselves from falls, are aware of installed anchorages, and know how to use their fall-protection equipment.

For Equipment manufacturers. Ensure that fall-protection equipment meets federal safety requirements and protects workers when they use it properly. Warn workers through instruction manuals and on equipment labels about the danger of using equipment improperly.

For Lawyers. Review your client’s construction bids to ensure that they comply with local and national requirements. The documents should clearly state the client’s responsibilities for protecting workers from falls and for identifying and controlling hazards that cause falls.

Keyword terms to this post:

eliminate fall hazards if possible, Falling protect

Discount Merchant Account Availability

August 12th, 2011

Discount Merchant Account Availability ImageFind out if discount merchant account services are available for your company by browsing Websites of potential lenders. By checking application guidelines, you will soon see whether you quality, and if so, how to apply and enhance your chances of being approved for this account. Getting a merchant account makes you eligible to accept credit card payments. Think of how greatly your sales volume could increase when you allow customers to pay with credit instead of insisting on cash or checks. They will love you for providing this option, and your sales volume could quickly skyrocket when happy customers come to visit with plastic in hand.

A discount merchant account lets you provide credit payment options at one low price. For example, after paying a possible application and setup fee of perhaps $100, you may be charged just $19.95 per month for the options of accepting credit card and debit payments as well as e-check processing and related services. You have to be careful when shopping for a merchant account, as there may be all kinds of hidden fees that are not listed on the home page. Instead, these may be buried in fine print or posted on a distant link from the home page. You need to find out in advance what the costs will be and how you will be expected to pay them. For example, ask about an online application fee, a membership fee, and a setup fee, among others, if you don’t see these posted. Some services will tell you that what you see is what you get. In other words, if you don’t see a certain fee in the price list, it doesn’t exist and cannot be added later. Even if you accept a merchant account under certain conditions the first year, during the second year your fees could change, so ask about the long view as well.

Applying for a discount merchant account must be undertaken with caution. Something that sounds too good to be true probably is just that. Look for a lender’s name you can trust along with a reputation built on values like integrity and respect. Avoid companies that you are unfamiliar with, as there are many fly-by-night entities looking to make a fast buck. Get the contract in writing, and make sure you read it all before signing up. Ask for clarification of any terms or conditions you do not understand. All too often, an unwary entrepreneur may end up in dire straits when a seemingly lucrative merchant account becomes a sinkhole.

Don’t rush out and buy all types of credit processing equipment when your merchant account is approved. First, make a business budget that includes a category for growth and marketing. Then look for the right kind of equipment that will best serve your customers’ needs. For example, you don’t have to buy every type of credit processing system available when a simple plug-in terminal will do. Keep your expenditures low while you get used to this new way of collecting payments. If all works out well, you can add more options later with your discount merchant account.