Reach your goal before you'll dry up....
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Sunday, October 31, 2010
Thursday, October 28, 2010
Daily Game Oct 28 - Haunt the House
Scare the inhabitants of the house with your ghost skills. All objects interact with your commands and are made to spook and scare!
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Wednesday, October 27, 2010
Daily Game Oct 27 - Lucky Tower
Something bad happened in the luck tower. Try your luck and find out (and find your way out without dieing too).
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Tuesday, October 26, 2010
Monday, October 25, 2010
Daily Game Oct 25 - Ghost Hacker
Destroy the enemy viruses and bugs before you'll loose your memory...
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Sunday, October 24, 2010
Wednesday, October 20, 2010
Tuesday, October 19, 2010
Monday, October 18, 2010
Sunday, October 17, 2010
Saturday, October 16, 2010
Friday, October 15, 2010
Thursday, October 14, 2010
Wednesday, October 13, 2010
Daily Game Oct 13 - Hanger
Hang, swing and do all you need to do to stay alive and pass the levels...
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Tuesday, October 12, 2010
Monday, October 11, 2010
Daily Game Oct 11 - Hidden Souvenirs
Travel around the world and discover the hidden objects on London's streets, outside the 'Metropolitain' of Paris and under the japanese cherry trees!
Remember, time runs really fast and too many clicks will bring you unfortunate events..!
Have fun!
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Sunday, October 10, 2010
Daily Game Oct 10 - Monster Slayers
Choose your strategy - defend, attack, march - to win all battles and reach victory!
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Saturday, October 9, 2010
Friday, October 8, 2010
15 Easy Steps to Starting Your Small Business
15 Easy Steps to Starting Your Small Business
Yeah, sure it's easy, and of course, that title is a little tongue in cheek. It takes a lot of hard work to get a business off the ground. But, it's worth every hour I've spent getting to where I am now.
When I decided to start my communication and image consulting business, I tried hard to find a good startup guide. I couldn't find any that had all the steps. So, I decided to write one. So far, it's mostly just the bare-bones outline (which is long enough as it is) you see in this article.
I'll be adding to it every week or two, and writing more detailed articles on all the steps, so try to stop by and check it out from time to time. Let me know how I'm doing. Shoot off an email to me if I've forgotten something or you have questions.
Before you spend so much as a dollar, talk to a few experts. Go to the library or get on the internet and research, research, research. Take a little time to make sure entrepreneurship is right for you.
Make a pro and con list of business ownership, and evaluate yourself honestly. How many characteristics do you have in common with successful entrepreneurs? Is your financial position strong enough? Do you have the necessary technical and management skills?
You're not going to be the perfect entrepreneur. Nobody is. But in order to make yourself the best entrepreneur you can be, consider ways to compensate for any weaknesses you might have.
I'm from Canada, so the government agencies I've mentioned in this guide are Canadian, but really, it can be used by anyone. All you have to do, if you're from somewhere other than Canada, is find out where you need to find some of the things I'll talk about. Some of the steps might be slightly different, and you may not have to worry about things like GST for example, but I'm sure you'll find this discussion helpful all the same.
These steps to starting a business are in reasonably good order, but you might find yourself varying from it under your particular circumstances. That really isn't a big deal, as long as you get most of it done. There are some steps you'll be able to skip as well, but please don't skip any of the "big ones", which I'm sure you'll pretty much figure out from taking a look at the list.
So, assuming you've done your evaluation and you still want to start a business, take a deep breath, and let's get started.
1. Conduct a feasibility study of your business. Describe your typical customer, your product and your competitors. Who will your suppliers be? What will you charge for your product? How will you market your product? These are just a few of the questions you need to answer.
2. Write a complete business plan for your company, using the information you gathered from your feasibility study. This vitally important, often overlooked step needs to include a description of your company, its goals, competitors, market, financial information, and of course, how you intend to meet your goals.
3. Get your financing in place. There are many ways to finance your business, from your own savings to personal credit cards to bank loans. If you need credit, know your business plan from front to back and maybe even sideways.
4. Decide what kind of structure your company will have. From a legal standpoint, there are three basic choices, sole proprietorship, partnership and incorporation, each with advantages and disadvantages.
5. Choose a name for your company and check on name availability. Naming your company is highly individual, but it's the first thing associated with your business, so choose your name carefully. You'll need to do a NUANS (Newly Upgraded Automated Name Search) report, which checks your name choices for uniqueness against a database of other business names. A reserved name is valid for 90 days.
6. Decide whether you want to register federally or provincially and register your company. If you register federally, you'll also have to register provincially, which almost doubles the cost. You don't have to have a lawyer process them for you, but it might be a good idea to at least consult with one. You can get the forms from your local government office, have them faxed to you or download them. You can fax or email printed copies, or complete the forms online
7. Contact Canada Revenue Agency Business Window for your business number, and to register for GST/HST, payroll, corporate income tax and import/export (if applicable). You can also contact the CRA if you need general information about business expenses. Chances are you'll have to collect GST, but you may want to register for a GST number even if you don't have to collect it because of input tax credits.
8. Decide whether you need to collect PST. If you do, you need to submit "Registration as a Vendor" documents with your province.
9. Determine whether there are special permits or licenses in your municipality. It's highly unlikely that your municipality does not have special permits or licenses.
10. Develop the marketing materials you decided on in your business plan. They should include at least a company identity package, press kit and website. Your identity package is your logo, business card and letterhead. A press kit can include letters of introduction, biography sheets, press releases, articles and a brochure. In today's electronic age, printed materials aren't enough. You need a website that looks professional, matches your printed material and has great copy. You'll also want to make sure it's optimized for search engines.
11. Set up your business bank account and record-keeping system. Your banker will need to see your incorporation documents, and you should probably set up more than one account so you can keep track of your finances better. Record-keeping is required, and can be done manually or with a computer program.
12. Purchase insurance. There are many different types of insurance, but most probably your company will need at least one. For example, if you're going to have employees, you need to contact the Worker's Compensation Board. Depending on your type of business, you might want to contact them even if you don't have employees to insure yourself.
13. Contact potential creditors and set up credit terms. You should have researched suppliers when you were doing your feasibility study. Now is the time to contact them.
14. Decide where your business will be located. Lease your business' space. Alternatively, you could choose to start your business from home if it's feasible. There are advantages and disadvantages to starting your business from home. You have tax write-offs for example, but sometimes your image suffers.
15. Purchase supplies and office equipment. You'll need too many things to list here, and of course, each business has different needs. You might need a fax machine and printer. You'll probably need a computer. You'll definitely need paper, pens, pencils and a calculator.
Yeah, sure it's easy, and of course, that title is a little tongue in cheek. It takes a lot of hard work to get a business off the ground. But, it's worth every hour I've spent getting to where I am now.
When I decided to start my communication and image consulting business, I tried hard to find a good startup guide. I couldn't find any that had all the steps. So, I decided to write one. So far, it's mostly just the bare-bones outline (which is long enough as it is) you see in this article.
I'll be adding to it every week or two, and writing more detailed articles on all the steps, so try to stop by and check it out from time to time. Let me know how I'm doing. Shoot off an email to me if I've forgotten something or you have questions.
Before you spend so much as a dollar, talk to a few experts. Go to the library or get on the internet and research, research, research. Take a little time to make sure entrepreneurship is right for you.
Make a pro and con list of business ownership, and evaluate yourself honestly. How many characteristics do you have in common with successful entrepreneurs? Is your financial position strong enough? Do you have the necessary technical and management skills?
You're not going to be the perfect entrepreneur. Nobody is. But in order to make yourself the best entrepreneur you can be, consider ways to compensate for any weaknesses you might have.
I'm from Canada, so the government agencies I've mentioned in this guide are Canadian, but really, it can be used by anyone. All you have to do, if you're from somewhere other than Canada, is find out where you need to find some of the things I'll talk about. Some of the steps might be slightly different, and you may not have to worry about things like GST for example, but I'm sure you'll find this discussion helpful all the same.
These steps to starting a business are in reasonably good order, but you might find yourself varying from it under your particular circumstances. That really isn't a big deal, as long as you get most of it done. There are some steps you'll be able to skip as well, but please don't skip any of the "big ones", which I'm sure you'll pretty much figure out from taking a look at the list.
So, assuming you've done your evaluation and you still want to start a business, take a deep breath, and let's get started.
1. Conduct a feasibility study of your business. Describe your typical customer, your product and your competitors. Who will your suppliers be? What will you charge for your product? How will you market your product? These are just a few of the questions you need to answer.
2. Write a complete business plan for your company, using the information you gathered from your feasibility study. This vitally important, often overlooked step needs to include a description of your company, its goals, competitors, market, financial information, and of course, how you intend to meet your goals.
3. Get your financing in place. There are many ways to finance your business, from your own savings to personal credit cards to bank loans. If you need credit, know your business plan from front to back and maybe even sideways.
4. Decide what kind of structure your company will have. From a legal standpoint, there are three basic choices, sole proprietorship, partnership and incorporation, each with advantages and disadvantages.
5. Choose a name for your company and check on name availability. Naming your company is highly individual, but it's the first thing associated with your business, so choose your name carefully. You'll need to do a NUANS (Newly Upgraded Automated Name Search) report, which checks your name choices for uniqueness against a database of other business names. A reserved name is valid for 90 days.
6. Decide whether you want to register federally or provincially and register your company. If you register federally, you'll also have to register provincially, which almost doubles the cost. You don't have to have a lawyer process them for you, but it might be a good idea to at least consult with one. You can get the forms from your local government office, have them faxed to you or download them. You can fax or email printed copies, or complete the forms online
7. Contact Canada Revenue Agency Business Window for your business number, and to register for GST/HST, payroll, corporate income tax and import/export (if applicable). You can also contact the CRA if you need general information about business expenses. Chances are you'll have to collect GST, but you may want to register for a GST number even if you don't have to collect it because of input tax credits.
8. Decide whether you need to collect PST. If you do, you need to submit "Registration as a Vendor" documents with your province.
9. Determine whether there are special permits or licenses in your municipality. It's highly unlikely that your municipality does not have special permits or licenses.
10. Develop the marketing materials you decided on in your business plan. They should include at least a company identity package, press kit and website. Your identity package is your logo, business card and letterhead. A press kit can include letters of introduction, biography sheets, press releases, articles and a brochure. In today's electronic age, printed materials aren't enough. You need a website that looks professional, matches your printed material and has great copy. You'll also want to make sure it's optimized for search engines.
11. Set up your business bank account and record-keeping system. Your banker will need to see your incorporation documents, and you should probably set up more than one account so you can keep track of your finances better. Record-keeping is required, and can be done manually or with a computer program.
12. Purchase insurance. There are many different types of insurance, but most probably your company will need at least one. For example, if you're going to have employees, you need to contact the Worker's Compensation Board. Depending on your type of business, you might want to contact them even if you don't have employees to insure yourself.
13. Contact potential creditors and set up credit terms. You should have researched suppliers when you were doing your feasibility study. Now is the time to contact them.
14. Decide where your business will be located. Lease your business' space. Alternatively, you could choose to start your business from home if it's feasible. There are advantages and disadvantages to starting your business from home. You have tax write-offs for example, but sometimes your image suffers.
15. Purchase supplies and office equipment. You'll need too many things to list here, and of course, each business has different needs. You might need a fax machine and printer. You'll probably need a computer. You'll definitely need paper, pens, pencils and a calculator.
Thursday, October 7, 2010
Financial investors versus the link strategic investors
In the not so distant past, there was little difference between financial and strategic investors. Investors of all colors sought to safeguard their investment by taking over as many management functions as they could. Additionally, investments were small and shareholders few. A firm resembled a household and the number of people involved - in ownership and in management - was correspondingly limited. People invested in industries they were acquainted with first hand.
As markets grew, the scales of industrial production (and of service provision) expanded. A single investor (or a small group of investors) could no longer accommodate the needs even of a single firm. As knowledge increased and specialization ensued - it was no longer feasible or possible to micro-manage a firm one invested in. Actually, separate businesses of money making and business management emerged. An investor was expected to excel in obtaining high yields on his capital - not in industrial management or in marketing. A manager was expected to manage, not to be capable of personally tackling the various and varying tasks of the business that he managed.
Thus, two classes of investors emerged. One type supplied firms with capital. The other type supplied them with know-how, technology, management skills, marketing techniques, intellectual property, clientele and a vision, a sense of direction.
In many cases, the strategic investor also provided the necessary funding. But, more and more, a separation was maintained. Venture capital and risk capital funds, for instance, are purely financial investors. So are, to a growing extent, investment banks and other financial institutions.
The financial investor represents the past. Its money is the result of past - right and wrong - decisions. Its orientation is short term: an "exit strategy" is sought as soon as feasible. For "exit strategy" read quick profits. The financial investor is always on the lookout, searching for willing buyers for his stake. The stock exchange is a popular exit strategy. The financial investor has little interest in the company's management. Optimally, his money buys for him not only a good product and a good market, but also a good management. But his interpretation of the rolls and functions of "good management" are very different to that offered by the strategic investor. The financial investor is satisfied with a management team which maximizes value. The price of his shares is the most important indication of success. This is "bottom line" short termism which also characterizes operators in the capital markets. Invested in so many ventures and companies, the financial investor has no interest, nor the resources to get seriously involved in any one of them. Micro-management is left to others - but, in many cases, so is macro-management. The financial investor participates in quarterly or annual general shareholders meetings. This is the extent of its involvement.
The strategic investor, on the other hand, represents the real long term accumulator of value. Paradoxically, it is the strategic investor that has the greater influence on the value of the company's shares. The quality of management, the rate of the introduction of new products, the success or failure of marketing strategies, the level of customer satisfaction, the education of the workforce - all depend on the strategic investor. That there is a strong relationship between the quality and decisions of the strategic investor and the share price is small wonder. The strategic investor represents a discounted future in the same manner that shares do. Indeed, gradually, the balance between financial investors and strategic investors is shifting in favour of the latter. People understand that money is abundant and what is in short supply is good management. Given the ability to create a brand, to generate profits, to issue new products and to acquire new clients - money is abundant.
These are the functions normally reserved to financial investors:
Financial Management
The financial investor is expected to take over the financial management of the firm and to directly appoint the senior management and, especially, the management echelons, which directly deal with the finances of the firm.
1.. To regulate, supervise and implement a timely, full and accurate set of accounting books of the firm reflecting all its activities in a manner commensurate with the relevant legislation and regulation in the territories of operations of the firm and with internal guidelines set from time to time by the Board of Directors of the firm. This is usually achieved both during a Due Diligence process and later, as financial management is implemented.
2.. To implement continuous financial audit and control systems to monitor the performance of the firm, its flow of funds, the adherence to the budget, the expenditures, the income, the cost of sales and other budgetary items.
3.. To timely, regularly and duly prepare and present to the Board of Directors financial statements and reports as required by all pertinent laws and regulations in the territories of the operations of the firm and as deemed necessary and demanded from time to time by the Board of Directors of the Firm.
4.. To comply with all reporting, accounting and audit requirements imposed by the capital markets or regulatory bodies of capital markets in which the securities of the firm are traded or are about to be traded or otherwise listed.
5.. To prepare and present for the approval of the Board of Directors an annual budget, other budgets, financial plans, business plans, feasibility studies, investment memoranda and all other financial and business documents as may be required from time to time by the Board of Directors of the Firm.
6.. To alert the Board of Directors and to warn it regarding any irregularity, lack of compliance, lack of adherence, lacunas and problems whether actual or potential concerning the financial systems, the financial operations, the financing plans, the accounting, the audits, the budgets and any other matter of a financial nature or which could or does have a financial implication.
7.. To collaborate and coordinate the activities of outside suppliers of financial services hired or contracted by the firm, including accountants, auditors, financial consultants, underwriters and brokers, the banking system and other financial venues.
8.. To maintain a working relationship and to develop additional relationships with banks, financial institutions and capital markets with the aim of securing the funds necessary for the operations of the firm, the attainment of its development plans and its investments.
9.. To fully computerize all the above activities in a combined hardware-software and communications system which will integrate into the systems of other members of the group of companies.
10.. Otherwise, to initiate and engage in all manner of activities, whether financial or of other nature, conducive to the financial health, the growth prospects and the fulfillment of investment plans of the firm to the best of his ability and with the appropriate dedication of the time and efforts required.
Collection and Credit Assessment
1.. To construct and implement credit risk assessment tools, questionnaires, quantitative methods, data gathering methods and venues in order to properly evaluate and predict the credit risk rating of a client, distributor, or supplier.
2.. To constantly monitor and analyse the payment morale, regularity, non-payment and non-performance events, etc. - in order to determine the changes in the credit risk rating of said factors.
3.. To analyse receivables and collectibles on a regular and timely basis.
4.. To improve the collection methods in order to reduce the amounts of arrears and overdue payments, or the average period of such arrears and overdue payments.
5.. To collaborate with legal institutions, law enforcement agencies and private collection firms in assuring the timely flow and payment of all due payments, arrears and overdue payments and other collectibles.
6.. To coordinate an educational campaign to ensure the voluntary collaboration of the clients, distributors and other debtors in the timely and orderly payment of their dues.
The strategic investor is, usually, put in charge of the following:
Project Planning and Project Management
The strategic investor is uniquely positioned to plan the technical side of the project and to implement it. He is, therefore, put in charge of:
1.. The selection of infrastructure, equipment, raw materials, industrial processes, etc.;
2.. Negotiations and agreements with providers and suppliers;
3.. Minimizing the costs of infrastructure by deploying proprietary components and planning;
4.. The provision of corporate guarantees and letters of comfort to suppliers;
5.. The planning and erecting of the various sites, structures, buildings, premises, factories, etc.;
6.. The planning and implementation of line connections, computer network connections, protocols, solving issues of compatibility (hardware and software, etc.);
7.. Project planning, implementation and supervision.
Marketing and Sales
1.. The presentation to the Board an annual plan of sales and marketing including: market penetration targets, profiles of potential social and economic categories of clients, sales promotion methods, advertising campaigns, image, public relations and other media campaigns. The strategic investor also implements these plans or supervises their implementation.
2.. The strategic investor is usually possessed of a brandname recognized in many countries. It is the market leaders in certain territories. It has been providing goods and services to users for a long period of time, reliably. This is an important asset, which, if properly used, can attract users. The enhancement of the brandname, its recognition and market awareness, market penetration, co-branding, collaboration with other suppliers - are all the responsibilities of the strategic investor.
3.. The dissemination of the product as a preferred choice among vendors, distributors, individual users and businesses in the territory.
4.. Special events, sponsorships, collaboration with businesses.
5.. The planning and implementation of incentive systems (e.g., points, vouchers).
f.. The strategic investor usually organizes a distribution and dealership network, a franchising network, or a sales network (retail chains) including: training, pricing, pecuniary and quality supervision, network control, inventory and accounting controls, advertising, local marketing and sales promotion and other network management functions.
g.. The strategic investor is also in charge of "vision thinking": new methods of operation, new marketing ploys, new market niches, predicting the future trends and market needs, market analyses and research, etc.
The strategic investor typically brings to the firm valuable experience in marketing and sales. It has numerous off the shelf marketing plans and drawer sales promotion campaigns. It developed software and personnel capable of analysing any market into effective niches and of creating the right media (image and PR), advertising and sales promotion drives best suited for it. It has built large databases with multi-year profiles of the purchasing patterns and demographic data related to thousands of clients in many countries. It owns libraries of material, images, sounds, paper clippings, articles, PR and image materials, and proprietary trademarks and brand names. Above all, it accumulated years of marketing and sales promotion ideas which crystallized into a new conception of the business.
Technology
1.. The planning and implementation of new technological systems up to their fully operational phase. The strategic partner's engineers are available to plan, implement and supervise all the stages of the technological side of the business.
2.. The planning and implementation of a fully operative computer system (hardware, software, communication, intranet) to deal with all the aspects of the structure and the operation of the firm. The strategic investor puts at the disposal of the firm proprietary software developed by it and specifically tailored to the needs of companies operating in the firm's market.
3.. The encouragement of the development of in-house, proprietary, technological solutions to the needs of the firm, its clients and suppliers.
4.. The planning and the execution of an integration program with new technologies in the field, in collaboration with other suppliers or market technological leaders.
Education and Training
The strategic investor is responsible to train all the personnel in the firm: operators, customer services, distributors, vendors, sales personnel. The training is conducted at its sole expense and includes tours of its facilities abroad.
The entrepreneurs - who sought to introduce the two types of investors, in the first place - are usually left with the following functions:
Administration and Control
1.. To structure the firm in an optimal manner, most conducive to the conduct of its business and to present the new structure for the Board's approval within 30 days from the date of the GM's appointment.
2.. To run the day to day business of the firm.
3.. To oversee the personnel of the firm and to resolve all the personnel issues.
4.. To secure the unobstructed flow of relevant information and the protection of confidential organization.
5.. To represent the firm in its contacts, representations and negotiations with other firms, authorities, or persons.
This is why entrepreneurs find it very hard to cohabitate with investors of any kind. Entrepreneurs are excellent at identifying the needs of the market and at introducing technological or service solutions to satisfy such needs. But the very personality traits which qualify them to become entrepreneurs - also hinder the future development of their firms. Only the introduction of outside investors can resolve the dilemma. Outside investors are not emotionally involved. They may be less visionary - but also more experienced.
They are more interested in business results than in dreams. And - being well acquainted with entrepreneurs - they insist on having unmitigated control of the business, for fear of losing all their money. These things antagonize the entrepreneurs. They feel that they are losing their creation to cold-hearted, mean spirited, corporate predators. They rebel and prefer to remain small or even to close shop than to give up their cherished freedoms. This is where nine out of ten entrepreneurs fail - in knowing when to let go
As markets grew, the scales of industrial production (and of service provision) expanded. A single investor (or a small group of investors) could no longer accommodate the needs even of a single firm. As knowledge increased and specialization ensued - it was no longer feasible or possible to micro-manage a firm one invested in. Actually, separate businesses of money making and business management emerged. An investor was expected to excel in obtaining high yields on his capital - not in industrial management or in marketing. A manager was expected to manage, not to be capable of personally tackling the various and varying tasks of the business that he managed.
Thus, two classes of investors emerged. One type supplied firms with capital. The other type supplied them with know-how, technology, management skills, marketing techniques, intellectual property, clientele and a vision, a sense of direction.
In many cases, the strategic investor also provided the necessary funding. But, more and more, a separation was maintained. Venture capital and risk capital funds, for instance, are purely financial investors. So are, to a growing extent, investment banks and other financial institutions.
The financial investor represents the past. Its money is the result of past - right and wrong - decisions. Its orientation is short term: an "exit strategy" is sought as soon as feasible. For "exit strategy" read quick profits. The financial investor is always on the lookout, searching for willing buyers for his stake. The stock exchange is a popular exit strategy. The financial investor has little interest in the company's management. Optimally, his money buys for him not only a good product and a good market, but also a good management. But his interpretation of the rolls and functions of "good management" are very different to that offered by the strategic investor. The financial investor is satisfied with a management team which maximizes value. The price of his shares is the most important indication of success. This is "bottom line" short termism which also characterizes operators in the capital markets. Invested in so many ventures and companies, the financial investor has no interest, nor the resources to get seriously involved in any one of them. Micro-management is left to others - but, in many cases, so is macro-management. The financial investor participates in quarterly or annual general shareholders meetings. This is the extent of its involvement.
The strategic investor, on the other hand, represents the real long term accumulator of value. Paradoxically, it is the strategic investor that has the greater influence on the value of the company's shares. The quality of management, the rate of the introduction of new products, the success or failure of marketing strategies, the level of customer satisfaction, the education of the workforce - all depend on the strategic investor. That there is a strong relationship between the quality and decisions of the strategic investor and the share price is small wonder. The strategic investor represents a discounted future in the same manner that shares do. Indeed, gradually, the balance between financial investors and strategic investors is shifting in favour of the latter. People understand that money is abundant and what is in short supply is good management. Given the ability to create a brand, to generate profits, to issue new products and to acquire new clients - money is abundant.
These are the functions normally reserved to financial investors:
Financial Management
The financial investor is expected to take over the financial management of the firm and to directly appoint the senior management and, especially, the management echelons, which directly deal with the finances of the firm.
1.. To regulate, supervise and implement a timely, full and accurate set of accounting books of the firm reflecting all its activities in a manner commensurate with the relevant legislation and regulation in the territories of operations of the firm and with internal guidelines set from time to time by the Board of Directors of the firm. This is usually achieved both during a Due Diligence process and later, as financial management is implemented.
2.. To implement continuous financial audit and control systems to monitor the performance of the firm, its flow of funds, the adherence to the budget, the expenditures, the income, the cost of sales and other budgetary items.
3.. To timely, regularly and duly prepare and present to the Board of Directors financial statements and reports as required by all pertinent laws and regulations in the territories of the operations of the firm and as deemed necessary and demanded from time to time by the Board of Directors of the Firm.
4.. To comply with all reporting, accounting and audit requirements imposed by the capital markets or regulatory bodies of capital markets in which the securities of the firm are traded or are about to be traded or otherwise listed.
5.. To prepare and present for the approval of the Board of Directors an annual budget, other budgets, financial plans, business plans, feasibility studies, investment memoranda and all other financial and business documents as may be required from time to time by the Board of Directors of the Firm.
6.. To alert the Board of Directors and to warn it regarding any irregularity, lack of compliance, lack of adherence, lacunas and problems whether actual or potential concerning the financial systems, the financial operations, the financing plans, the accounting, the audits, the budgets and any other matter of a financial nature or which could or does have a financial implication.
7.. To collaborate and coordinate the activities of outside suppliers of financial services hired or contracted by the firm, including accountants, auditors, financial consultants, underwriters and brokers, the banking system and other financial venues.
8.. To maintain a working relationship and to develop additional relationships with banks, financial institutions and capital markets with the aim of securing the funds necessary for the operations of the firm, the attainment of its development plans and its investments.
9.. To fully computerize all the above activities in a combined hardware-software and communications system which will integrate into the systems of other members of the group of companies.
10.. Otherwise, to initiate and engage in all manner of activities, whether financial or of other nature, conducive to the financial health, the growth prospects and the fulfillment of investment plans of the firm to the best of his ability and with the appropriate dedication of the time and efforts required.
Collection and Credit Assessment
1.. To construct and implement credit risk assessment tools, questionnaires, quantitative methods, data gathering methods and venues in order to properly evaluate and predict the credit risk rating of a client, distributor, or supplier.
2.. To constantly monitor and analyse the payment morale, regularity, non-payment and non-performance events, etc. - in order to determine the changes in the credit risk rating of said factors.
3.. To analyse receivables and collectibles on a regular and timely basis.
4.. To improve the collection methods in order to reduce the amounts of arrears and overdue payments, or the average period of such arrears and overdue payments.
5.. To collaborate with legal institutions, law enforcement agencies and private collection firms in assuring the timely flow and payment of all due payments, arrears and overdue payments and other collectibles.
6.. To coordinate an educational campaign to ensure the voluntary collaboration of the clients, distributors and other debtors in the timely and orderly payment of their dues.
The strategic investor is, usually, put in charge of the following:
Project Planning and Project Management
The strategic investor is uniquely positioned to plan the technical side of the project and to implement it. He is, therefore, put in charge of:
1.. The selection of infrastructure, equipment, raw materials, industrial processes, etc.;
2.. Negotiations and agreements with providers and suppliers;
3.. Minimizing the costs of infrastructure by deploying proprietary components and planning;
4.. The provision of corporate guarantees and letters of comfort to suppliers;
5.. The planning and erecting of the various sites, structures, buildings, premises, factories, etc.;
6.. The planning and implementation of line connections, computer network connections, protocols, solving issues of compatibility (hardware and software, etc.);
7.. Project planning, implementation and supervision.
Marketing and Sales
1.. The presentation to the Board an annual plan of sales and marketing including: market penetration targets, profiles of potential social and economic categories of clients, sales promotion methods, advertising campaigns, image, public relations and other media campaigns. The strategic investor also implements these plans or supervises their implementation.
2.. The strategic investor is usually possessed of a brandname recognized in many countries. It is the market leaders in certain territories. It has been providing goods and services to users for a long period of time, reliably. This is an important asset, which, if properly used, can attract users. The enhancement of the brandname, its recognition and market awareness, market penetration, co-branding, collaboration with other suppliers - are all the responsibilities of the strategic investor.
3.. The dissemination of the product as a preferred choice among vendors, distributors, individual users and businesses in the territory.
4.. Special events, sponsorships, collaboration with businesses.
5.. The planning and implementation of incentive systems (e.g., points, vouchers).
f.. The strategic investor usually organizes a distribution and dealership network, a franchising network, or a sales network (retail chains) including: training, pricing, pecuniary and quality supervision, network control, inventory and accounting controls, advertising, local marketing and sales promotion and other network management functions.
g.. The strategic investor is also in charge of "vision thinking": new methods of operation, new marketing ploys, new market niches, predicting the future trends and market needs, market analyses and research, etc.
The strategic investor typically brings to the firm valuable experience in marketing and sales. It has numerous off the shelf marketing plans and drawer sales promotion campaigns. It developed software and personnel capable of analysing any market into effective niches and of creating the right media (image and PR), advertising and sales promotion drives best suited for it. It has built large databases with multi-year profiles of the purchasing patterns and demographic data related to thousands of clients in many countries. It owns libraries of material, images, sounds, paper clippings, articles, PR and image materials, and proprietary trademarks and brand names. Above all, it accumulated years of marketing and sales promotion ideas which crystallized into a new conception of the business.
Technology
1.. The planning and implementation of new technological systems up to their fully operational phase. The strategic partner's engineers are available to plan, implement and supervise all the stages of the technological side of the business.
2.. The planning and implementation of a fully operative computer system (hardware, software, communication, intranet) to deal with all the aspects of the structure and the operation of the firm. The strategic investor puts at the disposal of the firm proprietary software developed by it and specifically tailored to the needs of companies operating in the firm's market.
3.. The encouragement of the development of in-house, proprietary, technological solutions to the needs of the firm, its clients and suppliers.
4.. The planning and the execution of an integration program with new technologies in the field, in collaboration with other suppliers or market technological leaders.
Education and Training
The strategic investor is responsible to train all the personnel in the firm: operators, customer services, distributors, vendors, sales personnel. The training is conducted at its sole expense and includes tours of its facilities abroad.
The entrepreneurs - who sought to introduce the two types of investors, in the first place - are usually left with the following functions:
Administration and Control
1.. To structure the firm in an optimal manner, most conducive to the conduct of its business and to present the new structure for the Board's approval within 30 days from the date of the GM's appointment.
2.. To run the day to day business of the firm.
3.. To oversee the personnel of the firm and to resolve all the personnel issues.
4.. To secure the unobstructed flow of relevant information and the protection of confidential organization.
5.. To represent the firm in its contacts, representations and negotiations with other firms, authorities, or persons.
This is why entrepreneurs find it very hard to cohabitate with investors of any kind. Entrepreneurs are excellent at identifying the needs of the market and at introducing technological or service solutions to satisfy such needs. But the very personality traits which qualify them to become entrepreneurs - also hinder the future development of their firms. Only the introduction of outside investors can resolve the dilemma. Outside investors are not emotionally involved. They may be less visionary - but also more experienced.
They are more interested in business results than in dreams. And - being well acquainted with entrepreneurs - they insist on having unmitigated control of the business, for fear of losing all their money. These things antagonize the entrepreneurs. They feel that they are losing their creation to cold-hearted, mean spirited, corporate predators. They rebel and prefer to remain small or even to close shop than to give up their cherished freedoms. This is where nine out of ten entrepreneurs fail - in knowing when to let go
Wednesday, October 6, 2010
Watch your behavior in the college campus
College Campus Sexual Behavior
College life could be one of the most challenging parts of everyone's life where brand new interaction with totally different individuals may seem intimidating at first but will prove a significant step towards making your social and whole outlook in life as flexible and as exciting as possible. This is also the stage of our lives where the start of taking special note of serious matters over gradual transition of our personality development is taking into account. College, in truth, is actually not a lot different from our lives in general but this could be the turning point of our assessment to our wants, goals, or desires in life. The excitement of dorm life, those new items you are going to bring to the college, new college life schedule, fraternity/sorority life, research papers, term papers, essays: these could all together bring fun, frustrations, exhilaration but could be fulfilling at the same time especially if you were able to manage well with harmonious balance with your college academic and social activities.
One of the most exciting aspects of being in a college is the relationships you establish with the people around you. Your parents, classmates, peers, college instructors, college professors, acquaintances and colleagues are mostly those who surround you that in one way or another, the kind of relationship you establish with them would affect significantly the lifestyle you will be confronting your college life with. However you treat your relationships, this would reflect largely into the performances and actions you convey all throughout your battle with the-sometimes-complicated-part of one's life in the university. College relationships can give you the best or most difficult part of your college experiences depending on your own discretion.
The relationships you surround yourself with will ostensibly cultivate a form of a lifestyle that would manifest all your behavior. There is a saying that college relationship is the kind that could either break you or make you focused on your goals. Good college relationships are those you have favorably built with friends that encourage you to have fun while not sacrificing the hard work of studying. On the other hand, if you surround yourself with friends that constitute to a bad college relationship, this could pull you down and keep you focused on elsewhere and consequently could ruin the semester or the whole college life for you. The importance of relationships in college is that it could last a lifetime. This could be realized especially when you have formed healthy relationships with your college friends.
Another thing is that while having positive college relationships could enable you to move freely around the campus and always foster a smile for your brighter days all throughout your college life, throwing on with negative college relationships could lead you to a social isolation. Social isolation has become an enigma to the college surrounding as this is found to be a channel to the student's ultimate withdrawal from the college. Hence, it is essential that before you develop social isolation deter those inhibitions and qualms from eating away all your confidence. Those are the components that are interrupting your social activities. It could arrest your emotional and psychological being and take control of your self-esteem so that the idea of conforming to the college campus social behavior threatens not only your studies but your social well-being.
Good relationships or bad relationships in college are formed because of the college student's choice. If you care enough for your particular interest towards successful college endeavor, you would bind yourself with good relationships by making healthy and favorable contacts with people that has a sense of constructive persistence and demonstrate positive interaction so that a healthy environment could be constructed all around you. And in no time at all, you'll find yourself a better person due to the positive college relationships you have erected around you.
College life could be one of the most challenging parts of everyone's life where brand new interaction with totally different individuals may seem intimidating at first but will prove a significant step towards making your social and whole outlook in life as flexible and as exciting as possible. This is also the stage of our lives where the start of taking special note of serious matters over gradual transition of our personality development is taking into account. College, in truth, is actually not a lot different from our lives in general but this could be the turning point of our assessment to our wants, goals, or desires in life. The excitement of dorm life, those new items you are going to bring to the college, new college life schedule, fraternity/sorority life, research papers, term papers, essays: these could all together bring fun, frustrations, exhilaration but could be fulfilling at the same time especially if you were able to manage well with harmonious balance with your college academic and social activities.One of the most exciting aspects of being in a college is the relationships you establish with the people around you. Your parents, classmates, peers, college instructors, college professors, acquaintances and colleagues are mostly those who surround you that in one way or another, the kind of relationship you establish with them would affect significantly the lifestyle you will be confronting your college life with. However you treat your relationships, this would reflect largely into the performances and actions you convey all throughout your battle with the-sometimes-complicated-part of one's life in the university. College relationships can give you the best or most difficult part of your college experiences depending on your own discretion.
The relationships you surround yourself with will ostensibly cultivate a form of a lifestyle that would manifest all your behavior. There is a saying that college relationship is the kind that could either break you or make you focused on your goals. Good college relationships are those you have favorably built with friends that encourage you to have fun while not sacrificing the hard work of studying. On the other hand, if you surround yourself with friends that constitute to a bad college relationship, this could pull you down and keep you focused on elsewhere and consequently could ruin the semester or the whole college life for you. The importance of relationships in college is that it could last a lifetime. This could be realized especially when you have formed healthy relationships with your college friends.
Another thing is that while having positive college relationships could enable you to move freely around the campus and always foster a smile for your brighter days all throughout your college life, throwing on with negative college relationships could lead you to a social isolation. Social isolation has become an enigma to the college surrounding as this is found to be a channel to the student's ultimate withdrawal from the college. Hence, it is essential that before you develop social isolation deter those inhibitions and qualms from eating away all your confidence. Those are the components that are interrupting your social activities. It could arrest your emotional and psychological being and take control of your self-esteem so that the idea of conforming to the college campus social behavior threatens not only your studies but your social well-being.
Good relationships or bad relationships in college are formed because of the college student's choice. If you care enough for your particular interest towards successful college endeavor, you would bind yourself with good relationships by making healthy and favorable contacts with people that has a sense of constructive persistence and demonstrate positive interaction so that a healthy environment could be constructed all around you. And in no time at all, you'll find yourself a better person due to the positive college relationships you have erected around you.
Tuesday, October 5, 2010
Daily Game Oct 05 - Track the Ball
Get the ball into the hole with the minimum number of moves.
Track the Ball is powered by dailygame.org
Monday, October 4, 2010
Weight loss tips
7 Killer Ways To Maximize Your Fat Burning In The Gym
Hey, we all want to shed some pounds and get back to the body that we had when we were younger and didn't appreciate it but it takes discipline, planning, and dedication to make that happen. All too often people shed 10 or 15 pounds and then seem to stop losing weight. There is definitely a reason this happens and it should not be seen as failure or an excuse to give up on your weight loss goals. Here are 7 absolutely killer ways to maximize your fat burning routine and help ensure success with your weight loss goals.
1) Anaerobic Exercise
If you think you can just run laps or pedal that fat away, think again. Muscle tissue is what burns the most calories in our bodies and you need to life weights in order to create bigger muscles that will burn more calories. Now although aerobic exercises such as cycling or swimming are also necessary, the fact remains that building bigger muscles is the best way to lose weight and keep it off. This is because you are creating a more efficient calorie burning machine by lifting weights which will ensure you success with your weight loss goals.
2) Warm-up and Cool Down
Warming up before exercising and taking the time to cool down afterwards with some light exercises are not generally seen as essential to a fat burning program. However, the reason why a lot of people tend to give up on their weight loss goals is because they failed to see the progress they hoped for when they began. An injury, even one that only lasts for a few days, can set your weight loss goals back by weeks and lead to a loss of stimulation. You need to plan an extra twenty minutes into your weight lifting routine for these two essential activities or you risk injury and derailing your weight loss plan.
3) Diet, Diet, Diet
This should not be a killer way to maximize your weight loss goals but it is. The reason for this is because people tend to think of losing weight in two ways: diet, or exercise. Hey, these two go hand in hand and you are never going to maximize your fat burning routine in the gym unless you take care of your body outside of the gym. Stop thinking of meals in terms of three: instead, think 5 meals with smaller portions. The FDA recently developed a new food pyramid with this very idea in mind and you should check it out before starting your fat burning program because it can save you a lot of time and energy if you get the diet part figured out before even stepping into the gym.
4) Plan Workouts
The body is the most complex machine on the planet and you can't just hope to step into a gym and jump on a machine or some weights and think that you are going to see the results you want without knowing how they affect your body. The ideal exercise routine is done only 3 or 4 times per week and only for 30-45 minutes at a time. You cannot work your body more than this because it will actually cause your muscles to break down which means you will be burning fewer calories, and therefore, not maximizing your fat burning routine in the gym. If you have any doubts about what kind of routine is ideal for your goals, don't be afraid to consult an physical trainer to help you set up a program that is best suited for you.<
5) Nutritional Supplements
If you really want to maximize your fat burning routine in the gym, then you need to consider using nutritional supplements. Now I am not talking about those crazy supplements that promise to burn fat for you while you sit and watch tv! I am talking about essential fatty acids, amino acids, whey protein….things that will truly maximize your workouts that you can't always expect to get in the foods you eat every day. Again, consult a physical trainer if you want to know which supplements are best for your weight loss goals.
6) Set Weekly Goals
I know that this just seems terribly obvious but the truth is that most people are not thrilled with the idea of working out so it is easy for them to skip a session or indulge in some pizza and think that they will make up for it next time. Listen, next time never comes and when you stop seeing the scales go down, the motivation just seems to stop. By setting weekly goals, you can track your progress and make it that much more likely that you will adhere to the goals when you see things are not going as expected.
7) No More Late Night Snacks
This one may not seem to make sense, but I assure you that it will help maximize your fat burning exercises. The reason is your metabolism. When you eat right before you go to bed, it throws your body off and you probably notice that you awaken and don't feel hungry. Then, you skip breakfast entirely or only snack on a bagel or something on you way into work.
The result: the body goes into conservation mode. This means that it slows down your metabolism and that means you are burning less calories throughout the day. Plus, it increases the likelihood of snacking and basically just sets the scene for a bad cycle. Eating five smaller portioned meals per day also has to do with your metabolism as it has been found that metabolism remains highest when there is a consistent supply of food in the body. You might not believe that late night snacking affects the way your body burns fat when working out, but it does.
Now some of the things listed above are obvious while some just seem silly. And yet, taken together and consistently adhered to, these 7 little ideas will maximize your fat burning in the gym and get you to that body you can see in your mind but not the mirror far quicker than if you just go about things in a disorganized and inconsistent manner.
Hey, we all want to shed some pounds and get back to the body that we had when we were younger and didn't appreciate it but it takes discipline, planning, and dedication to make that happen. All too often people shed 10 or 15 pounds and then seem to stop losing weight. There is definitely a reason this happens and it should not be seen as failure or an excuse to give up on your weight loss goals. Here are 7 absolutely killer ways to maximize your fat burning routine and help ensure success with your weight loss goals.
1) Anaerobic Exercise
If you think you can just run laps or pedal that fat away, think again. Muscle tissue is what burns the most calories in our bodies and you need to life weights in order to create bigger muscles that will burn more calories. Now although aerobic exercises such as cycling or swimming are also necessary, the fact remains that building bigger muscles is the best way to lose weight and keep it off. This is because you are creating a more efficient calorie burning machine by lifting weights which will ensure you success with your weight loss goals.
2) Warm-up and Cool Down
Warming up before exercising and taking the time to cool down afterwards with some light exercises are not generally seen as essential to a fat burning program. However, the reason why a lot of people tend to give up on their weight loss goals is because they failed to see the progress they hoped for when they began. An injury, even one that only lasts for a few days, can set your weight loss goals back by weeks and lead to a loss of stimulation. You need to plan an extra twenty minutes into your weight lifting routine for these two essential activities or you risk injury and derailing your weight loss plan.
3) Diet, Diet, Diet
This should not be a killer way to maximize your weight loss goals but it is. The reason for this is because people tend to think of losing weight in two ways: diet, or exercise. Hey, these two go hand in hand and you are never going to maximize your fat burning routine in the gym unless you take care of your body outside of the gym. Stop thinking of meals in terms of three: instead, think 5 meals with smaller portions. The FDA recently developed a new food pyramid with this very idea in mind and you should check it out before starting your fat burning program because it can save you a lot of time and energy if you get the diet part figured out before even stepping into the gym.
4) Plan Workouts
The body is the most complex machine on the planet and you can't just hope to step into a gym and jump on a machine or some weights and think that you are going to see the results you want without knowing how they affect your body. The ideal exercise routine is done only 3 or 4 times per week and only for 30-45 minutes at a time. You cannot work your body more than this because it will actually cause your muscles to break down which means you will be burning fewer calories, and therefore, not maximizing your fat burning routine in the gym. If you have any doubts about what kind of routine is ideal for your goals, don't be afraid to consult an physical trainer to help you set up a program that is best suited for you.<
5) Nutritional Supplements
If you really want to maximize your fat burning routine in the gym, then you need to consider using nutritional supplements. Now I am not talking about those crazy supplements that promise to burn fat for you while you sit and watch tv! I am talking about essential fatty acids, amino acids, whey protein….things that will truly maximize your workouts that you can't always expect to get in the foods you eat every day. Again, consult a physical trainer if you want to know which supplements are best for your weight loss goals.
6) Set Weekly Goals
I know that this just seems terribly obvious but the truth is that most people are not thrilled with the idea of working out so it is easy for them to skip a session or indulge in some pizza and think that they will make up for it next time. Listen, next time never comes and when you stop seeing the scales go down, the motivation just seems to stop. By setting weekly goals, you can track your progress and make it that much more likely that you will adhere to the goals when you see things are not going as expected.
7) No More Late Night Snacks
This one may not seem to make sense, but I assure you that it will help maximize your fat burning exercises. The reason is your metabolism. When you eat right before you go to bed, it throws your body off and you probably notice that you awaken and don't feel hungry. Then, you skip breakfast entirely or only snack on a bagel or something on you way into work.
The result: the body goes into conservation mode. This means that it slows down your metabolism and that means you are burning less calories throughout the day. Plus, it increases the likelihood of snacking and basically just sets the scene for a bad cycle. Eating five smaller portioned meals per day also has to do with your metabolism as it has been found that metabolism remains highest when there is a consistent supply of food in the body. You might not believe that late night snacking affects the way your body burns fat when working out, but it does.
Now some of the things listed above are obvious while some just seem silly. And yet, taken together and consistently adhered to, these 7 little ideas will maximize your fat burning in the gym and get you to that body you can see in your mind but not the mirror far quicker than if you just go about things in a disorganized and inconsistent manner.
Easy Consolidated Student Loan Refinancing
Consolidated Student Loan Refinancing
Student loan debt consolidation is a strategy that allows a student to combine all his loan debts into a single loan, with one monthly payment. Student loans are classified into federal student loans and private student loans. Federal student loans are issued by the US Department of Education as well as the Department of Health and Human Services, and private student loans are administered by the non-federal organizations and other private lenders.
Student loan debt includes all kinds of educational expenses incurred by a student to complete his studies. Most students leave college with large debts. In student loan debt consolidation, the existing loan is paid off either by the US Department of Education or other private and non-federal organizations, depending upon the nature of the loans. A new loan is created with one monthly payment stretching over a period of time. However, consolidation rules and regulations are different for federal student loans and private student loans.
When federal student loans are consolidated, it lowers the monthly payment by up to 60%. Low fixed interest rates and retention of subsidy benefits are other benefits of federal student loan debt consolidation. The interest rate of the federal student loan consolidation is the weighted average of interest rates of all loans that have been combined. In the case of private student loan consolidation, lenders fix the interest rates. Further, private student loans are not consolidated with federal student loans.
Student loan debt consolidation has become quite popular in recent years, as it avoids the problem of paying off several separate bills every month. Today, there are a number of student loan consolidation services and centers, including banks participating in the Federal Family Education Loan (FFEL) program, to cater to the student loan debt consolidation needs. Student loan debt consolidation services are also available through the Internet.
Student loan debt consolidation is a strategy that allows a student to combine all his loan debts into a single loan, with one monthly payment. Student loans are classified into federal student loans and private student loans. Federal student loans are issued by the US Department of Education as well as the Department of Health and Human Services, and private student loans are administered by the non-federal organizations and other private lenders.
Student loan debt includes all kinds of educational expenses incurred by a student to complete his studies. Most students leave college with large debts. In student loan debt consolidation, the existing loan is paid off either by the US Department of Education or other private and non-federal organizations, depending upon the nature of the loans. A new loan is created with one monthly payment stretching over a period of time. However, consolidation rules and regulations are different for federal student loans and private student loans.
When federal student loans are consolidated, it lowers the monthly payment by up to 60%. Low fixed interest rates and retention of subsidy benefits are other benefits of federal student loan debt consolidation. The interest rate of the federal student loan consolidation is the weighted average of interest rates of all loans that have been combined. In the case of private student loan consolidation, lenders fix the interest rates. Further, private student loans are not consolidated with federal student loans.
Student loan debt consolidation has become quite popular in recent years, as it avoids the problem of paying off several separate bills every month. Today, there are a number of student loan consolidation services and centers, including banks participating in the Federal Family Education Loan (FFEL) program, to cater to the student loan debt consolidation needs. Student loan debt consolidation services are also available through the Internet.
Daily Game Oct 04 - Wake Up the Box 2
Mr. Box sleeps too much. Wake him up in this physic puzzle game.
Wake Up the Box 2 is powered by dailygame.org
Sunday, October 3, 2010
15 Reasons To Join Affiliate Programs
There are HUGE benefits to promoting affiliate programs with your own homebased Internet business. Let’s look at 15 of the best reasons to join affiliate programs.
1. No Production Costs: The cost to develop and produce a new product is prohibitive for almost anyone who wants to start a home-based business. With affiliate programs, production costs aren't an issue. The product has been developed and proven - all on the merchant's nickel.
2. Low Cost Set-up: Compared with building a brick and mortar store, starting a home-based Internet business is relatively cheap. You probably already have a desk, Internet-connected computer and word-processing software, which is all the equipment you may need to start making easy money from affiliate programs.
3. No Fees or Licenses: I often compare doing business as an affiliate, with distributing a line of products in the real world. The biggest difference is that the distributor must often pay for a license to distribute products within a limited geographic region. Affiliate programs, on the other hand, are usually free to join, and geographic market reach is limited only by the affiliate's ability to promote his website.
4. Sell Almost Anything: What isn't sold online? That list must be shorter than the one describing all that IS sold online. There are thousands and thousands of affiliate programs selling every product under the sun. That makes it easy to find products related to your current or planned web site.
5. No Sales Experience Required: When I started my affiliate business, I had absolutely no sales experience. That wasn’t a problem, however. The companies I affiliated with provided excellent marketing material. Using their sales copy, I was able to get my first affiliate site up in less than a day.
6. No Employees: Employee salaries are the biggest business expense. Although you may need or want someone to work for you on occasion, you'll never have to worry about hiring full or part-time employees while working as an affiliate marketer. When you have a project you want to hire out, it is easy to find specialists in every computer-related field who can work for you from the comfort of THEIR own homes. You pay only for the project, and never have to worry about ongoing employeerelated benefits and deductions.
7. No Merchant Accounts: Setting up a merchant account is time-consuming and costly. However, affiliate marketers don’t need merchant account. Merchants bear all the costs for payment processing. As an affiliate, you’ll never lose sleep over chargebacks, fraud or losing your merchant account.
8. No Inventory: As an affiliate marketer, you can sell large items without storage concerns, even if you live in a small one-bedroom apartment.
9. No Order-Processing: Forget the problems associated with collecting and storing names, addresses, credit card numbers, etc. The merchant does all that!
10. No Shipping: The cost and hassle to prepare and ship products to customers worldwide could be staggering. Affiliates never have to worry about packaging supplies or postal rates.
11. No Customer Service: Do you hate the prospect of dealing with nasty people or customer complaints? Don't worry about it! The merchant handles the snivelers.
12. Make Money While You Sleep: What other business allows you as a sole proprietor to keep your doors open and keep making money even when you take breaks or after you go home for the night?
13. Worldwide Marketplace: The Internet is the world's largest marketplace. You can drive more visitors to your online store in a day, than a small-town merchant will see in his or her brick and mortar business in a year.
14. Minimal Risk: The product you chose isn't making money? Dump it. Take down your links and promote another! It's that easy. There are no long-term contracts binding you to products that don't sell.
15. High Income Potential: If you have a job, your salary or hourly wage is probably pre-determined. Maybe there's not much, other than working overtime, that you can do to increase your income. With your own affiliate business on the Internet your income potential is limited only by your desire, effort and imagination. No other business is so inexpensive to start yet offers such high profit potential without investing years of labor.Affiliate programs enable you to work from Almost Anywhere in the World! Best Wishes.
1. No Production Costs: The cost to develop and produce a new product is prohibitive for almost anyone who wants to start a home-based business. With affiliate programs, production costs aren't an issue. The product has been developed and proven - all on the merchant's nickel.
2. Low Cost Set-up: Compared with building a brick and mortar store, starting a home-based Internet business is relatively cheap. You probably already have a desk, Internet-connected computer and word-processing software, which is all the equipment you may need to start making easy money from affiliate programs.
3. No Fees or Licenses: I often compare doing business as an affiliate, with distributing a line of products in the real world. The biggest difference is that the distributor must often pay for a license to distribute products within a limited geographic region. Affiliate programs, on the other hand, are usually free to join, and geographic market reach is limited only by the affiliate's ability to promote his website.
4. Sell Almost Anything: What isn't sold online? That list must be shorter than the one describing all that IS sold online. There are thousands and thousands of affiliate programs selling every product under the sun. That makes it easy to find products related to your current or planned web site.
5. No Sales Experience Required: When I started my affiliate business, I had absolutely no sales experience. That wasn’t a problem, however. The companies I affiliated with provided excellent marketing material. Using their sales copy, I was able to get my first affiliate site up in less than a day.
6. No Employees: Employee salaries are the biggest business expense. Although you may need or want someone to work for you on occasion, you'll never have to worry about hiring full or part-time employees while working as an affiliate marketer. When you have a project you want to hire out, it is easy to find specialists in every computer-related field who can work for you from the comfort of THEIR own homes. You pay only for the project, and never have to worry about ongoing employeerelated benefits and deductions.
7. No Merchant Accounts: Setting up a merchant account is time-consuming and costly. However, affiliate marketers don’t need merchant account. Merchants bear all the costs for payment processing. As an affiliate, you’ll never lose sleep over chargebacks, fraud or losing your merchant account.
8. No Inventory: As an affiliate marketer, you can sell large items without storage concerns, even if you live in a small one-bedroom apartment.
9. No Order-Processing: Forget the problems associated with collecting and storing names, addresses, credit card numbers, etc. The merchant does all that!
10. No Shipping: The cost and hassle to prepare and ship products to customers worldwide could be staggering. Affiliates never have to worry about packaging supplies or postal rates.
11. No Customer Service: Do you hate the prospect of dealing with nasty people or customer complaints? Don't worry about it! The merchant handles the snivelers.
12. Make Money While You Sleep: What other business allows you as a sole proprietor to keep your doors open and keep making money even when you take breaks or after you go home for the night?
13. Worldwide Marketplace: The Internet is the world's largest marketplace. You can drive more visitors to your online store in a day, than a small-town merchant will see in his or her brick and mortar business in a year.
14. Minimal Risk: The product you chose isn't making money? Dump it. Take down your links and promote another! It's that easy. There are no long-term contracts binding you to products that don't sell.
15. High Income Potential: If you have a job, your salary or hourly wage is probably pre-determined. Maybe there's not much, other than working overtime, that you can do to increase your income. With your own affiliate business on the Internet your income potential is limited only by your desire, effort and imagination. No other business is so inexpensive to start yet offers such high profit potential without investing years of labor.Affiliate programs enable you to work from Almost Anywhere in the World! Best Wishes.
Daily Game Oct 03 - Moon and Sun
Place the different object smartly to help get the sun or the moon to the door.
Moon and Sun Game is powered by dailygame.org
Saturday, October 2, 2010
How To Develop the Powers of Your Mind
How To Develop the Powers of Your Mind
“We can't solve problems by using the same kind of thinking
we used when we created them!”
Albert Einstein
To develop the powers of your mind… start running!
There are so many methods of personal development that it’s always hard to choose one to help you make progress on the road to success and happiness. And yet, most of these methods fail when people try to put them into practice. It’s not that they aren’t good in theory, but the advice they give on paper doesn’t seem to provide satisfactory results when applied in real life.
To develop your mind you have to develop your body
One reason for their failure is that they don’t take the physical aspect of personal development into account, and concentrate only on the mental aspect. In other words, these methods ignore the fact that man is an ensemble of body – mind – and spirit, and that you can’t develop one (mind, for example) by neglecting the other (body). I won’t get into the aspect of the spirit here, which lends itself to polemics more than the other two.
It’s difficult to deny that we have a body and mind because we can see them at work every day. Our mind allows us to think, and our body is its support. The existence of the soul is harder to prove. Personally, I believe in it, but I don’t think it’s necessary to convince anyone else to think the way I do. Belief in the existence of the soul is a question of faith, while everyone can easily accept the existence of the body and mind. No one would question them. As for the soul, there are innumerable theories to choose from, but since this section is called “How To Develop Your Mind” and not your soul, we won’t discuss them here.
Stress can cause many illnesses
To get back to our subject...
Many methods designed to improve and develop your mind forget that the mind resides in a body, that the body has a huge influence on the way you think, and vice versa.
To understand this point of view, think about psychosomatic illnesses, which were rejected and ridiculed by official science for years, but which have now become the object of serious scientific study.
By definition, a psychosomatic illness is characterized by the influence of the mind (psyche) on the body (soma). In other words, many physical illnesses are caused by a negative state of mind: depression, stress, moodiness, etc. This cause-and-effect relationship is now officially recognized as by scientists around the globe.
Disorders like skin problems, hypertension, asthma, backache (to name just a few) are now often considered to be psychosomatic. The number of illnesses included in this category is steadily rising, and proof about the links between mind and body are accumulating.
Physical activity is life; inactivity the start of the end
The link can be seen not only in certain illnesses, but in our daily moods as well. People in good health are often happier and make more rapid progress on their quest for success than others. They have the mental vigor and physical strength they need to meet and overcome the challenges life presents.
Most of these people practice some kind of physical activity or sport. There are very few inactive billionaires, successful business people and celebrities, except if they’ve reached an advanced age and their fortunes are fairly secure.
Some celebrities let themselves go after attaining great wealth, thinking they have no more challenges to face. They stop taking part in sports or physical activities and fall prey to all kinds of abuse (alcohol, tobacco, drugs, sexual deviation, etc.). The result is a slow decline, a loss of cerebral capacity, weight gain, the appearance or worsening of illnesses linked to aging like high cholesterol and diabetes… eventually leading to a shortened lifespan and premature death.
Just read the newspapers and magazines, or watch TV. You’ll find many examples of celebrities who have succumbed to inactivity and become mired in excesses of all kinds. They abandon their stardom, their idol status, and keep spiraling downward until they come to a bad end.
Psychosomatic illnesses and the lapses suffered by celebrities are two striking examples of how the mind can influence the body, and vice versa. It’s often when people who are suffering from a psychosomatic illness regain control of their mind and body that their illness disappears.
Be happy and move!
If you really want to be happy and have a better and more enriching life, make sure to take care of your body with a healthy diet – remember, you are what you eat – and enough exercise.
You don’t have to be a top athlete to keep your body in shape. Find some sport or physical activity you like, and do it regularly. If you start something new after a long period of inactivity, go gradually, at your own pace, until the activity becomes a healthy habit in your everyday life.
Produce your own energy hormones!
Doing sports or physical exercise stimulates your organism to produce various hormones that help not only reinforce your body, but your mind as well. Physical activity generates endorphins and norepinephrines, among others. These substances have an extremely positive effect on your body and mind.
Endorphins are called the “hormone of pleasure” because they’re involved in keeping you in a good mood, and making your thoughts positive and optimistic, three ingredients that are indispensable for developing the powers of your mind rapidly and effectively.
Do you think it’s possible to experience happiness if you’re always full of anxiety, assailed by dark thoughts? Endorphins naturally provide you with an essential weapon on your quest for happiness, and norepinephrine helps fight depression, bad moods and pessimism, which are often obstacles to your access of happiness.
On your mark, get set, go!
You can generate these powerful substances yourself, in a totally natural way that’s also completely free, simply by doing some physical exercise. So don’t wait and get started! You can begin by running at your own speed for half an hour every day, gradually increasing it to an hour. If you can’t run, you can at least walk, so do some walking whenever the opportunity arises. If you can climb stairs instead of taking the elevator, go ahead! If you can walk to work, do it! Or at least cover the equivalent of a few metro or bus stops on foot.
You have to have a strong body to overcome the challenges life has to offer, and a strong mind to learn the lessons you need to learn from each step in your development, until you attain the life you desire.
“We can't solve problems by using the same kind of thinking
we used when we created them!”
Albert Einstein
To develop the powers of your mind… start running!
There are so many methods of personal development that it’s always hard to choose one to help you make progress on the road to success and happiness. And yet, most of these methods fail when people try to put them into practice. It’s not that they aren’t good in theory, but the advice they give on paper doesn’t seem to provide satisfactory results when applied in real life.
To develop your mind you have to develop your body
One reason for their failure is that they don’t take the physical aspect of personal development into account, and concentrate only on the mental aspect. In other words, these methods ignore the fact that man is an ensemble of body – mind – and spirit, and that you can’t develop one (mind, for example) by neglecting the other (body). I won’t get into the aspect of the spirit here, which lends itself to polemics more than the other two.
It’s difficult to deny that we have a body and mind because we can see them at work every day. Our mind allows us to think, and our body is its support. The existence of the soul is harder to prove. Personally, I believe in it, but I don’t think it’s necessary to convince anyone else to think the way I do. Belief in the existence of the soul is a question of faith, while everyone can easily accept the existence of the body and mind. No one would question them. As for the soul, there are innumerable theories to choose from, but since this section is called “How To Develop Your Mind” and not your soul, we won’t discuss them here.
Stress can cause many illnesses
To get back to our subject...
Many methods designed to improve and develop your mind forget that the mind resides in a body, that the body has a huge influence on the way you think, and vice versa.
To understand this point of view, think about psychosomatic illnesses, which were rejected and ridiculed by official science for years, but which have now become the object of serious scientific study.
By definition, a psychosomatic illness is characterized by the influence of the mind (psyche) on the body (soma). In other words, many physical illnesses are caused by a negative state of mind: depression, stress, moodiness, etc. This cause-and-effect relationship is now officially recognized as by scientists around the globe.
Disorders like skin problems, hypertension, asthma, backache (to name just a few) are now often considered to be psychosomatic. The number of illnesses included in this category is steadily rising, and proof about the links between mind and body are accumulating.
Physical activity is life; inactivity the start of the end
The link can be seen not only in certain illnesses, but in our daily moods as well. People in good health are often happier and make more rapid progress on their quest for success than others. They have the mental vigor and physical strength they need to meet and overcome the challenges life presents.
Most of these people practice some kind of physical activity or sport. There are very few inactive billionaires, successful business people and celebrities, except if they’ve reached an advanced age and their fortunes are fairly secure.
Some celebrities let themselves go after attaining great wealth, thinking they have no more challenges to face. They stop taking part in sports or physical activities and fall prey to all kinds of abuse (alcohol, tobacco, drugs, sexual deviation, etc.). The result is a slow decline, a loss of cerebral capacity, weight gain, the appearance or worsening of illnesses linked to aging like high cholesterol and diabetes… eventually leading to a shortened lifespan and premature death.
Just read the newspapers and magazines, or watch TV. You’ll find many examples of celebrities who have succumbed to inactivity and become mired in excesses of all kinds. They abandon their stardom, their idol status, and keep spiraling downward until they come to a bad end.
Psychosomatic illnesses and the lapses suffered by celebrities are two striking examples of how the mind can influence the body, and vice versa. It’s often when people who are suffering from a psychosomatic illness regain control of their mind and body that their illness disappears.
Be happy and move!
If you really want to be happy and have a better and more enriching life, make sure to take care of your body with a healthy diet – remember, you are what you eat – and enough exercise.
You don’t have to be a top athlete to keep your body in shape. Find some sport or physical activity you like, and do it regularly. If you start something new after a long period of inactivity, go gradually, at your own pace, until the activity becomes a healthy habit in your everyday life.
Produce your own energy hormones!
Doing sports or physical exercise stimulates your organism to produce various hormones that help not only reinforce your body, but your mind as well. Physical activity generates endorphins and norepinephrines, among others. These substances have an extremely positive effect on your body and mind.
Endorphins are called the “hormone of pleasure” because they’re involved in keeping you in a good mood, and making your thoughts positive and optimistic, three ingredients that are indispensable for developing the powers of your mind rapidly and effectively.
Do you think it’s possible to experience happiness if you’re always full of anxiety, assailed by dark thoughts? Endorphins naturally provide you with an essential weapon on your quest for happiness, and norepinephrine helps fight depression, bad moods and pessimism, which are often obstacles to your access of happiness.
On your mark, get set, go!
You can generate these powerful substances yourself, in a totally natural way that’s also completely free, simply by doing some physical exercise. So don’t wait and get started! You can begin by running at your own speed for half an hour every day, gradually increasing it to an hour. If you can’t run, you can at least walk, so do some walking whenever the opportunity arises. If you can climb stairs instead of taking the elevator, go ahead! If you can walk to work, do it! Or at least cover the equivalent of a few metro or bus stops on foot.
You have to have a strong body to overcome the challenges life has to offer, and a strong mind to learn the lessons you need to learn from each step in your development, until you attain the life you desire.
Daily Game Oct 02 - Super Mario Crossover
One of the best Mario games ever! You can also choose any other classic Nintendo character to play with in this Mario based platform.
Super Mario Crossover is powered by dailygame.org
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