Government economic bailouts, foreclosure, rising unemployment rates, war and lives being lose, huge mega banks going under - everywhere you turn, the news always seems to be bad.
Most people consider this to be the worst of all times. But as I have always taught you, things could always be worse! Let's take a look back through history.
In September of 1873 America's economy entered a crisis known as the Panic of 1873. This period was also known as "The Long Depression"; however, this period did not last longer than the "Great Depression". During this time, Jay Cooke & Company, which was a major component of the United States banking establishment, had to file bankruptcy, resulting in a chain of bank failures and the New York stock market closed temporarily. Of the 364 railroads, which the US economy revolved around, 89 went bankrupt. A total of 18,000 businesses failed between 1873 and 1875. The unemployment rate reached 14% by 1876. Construction work lagged, wages were cut, real estate values fell and corporate profits vanished.
On October 29, 1929 when the US stock market crashed, the day was termed "Black Tuesday". Most historians believe that this started the Great Depression of the 1930s. During the Great Depression, more than 9,000 banks went out of business and the unemployment rate was more than 25%. That's right, 1 out of every 4 Americans were jobless! By 1933, people who had deposited money in banks had lost $140 billion in deposits nationwide. During this time there was no "FDIC", your money wasn't insured so if a bank went out of business, you lost your money!
Today, although things could certainly be better, the unemployment rate is around 6.1% nationally and only 40 banks have went under since this financial crisis started last year. We're not anywhere near the situation as the Panic of 1873 or the Great Depression, but there are plenty of lessons to learn from that history. And the biggest one is that most all of the great economists of our time who have studied that period agree that the financial conditions WERE NOT bad enough to warrant what happened.
It was caused by FEAR! That's why in 1933; Franklin D. Roosevelt said those now famous words "the only thing we have to fear is fear itself." Which by the way, those words were suggested to him by Napoleon Hill, author of the classic Think and Grow Rich.
The reason why the economy seems to steadily be going backwards today is because the media makes it seem as though the "sky is falling". Not only the media but even some government officials speak publicly about how these economic times are some of the worst in history and are probably going to get worse. This kind of ideology and philosophy will surely drive us back into some of the most blemished economic times in our history.
In my blog dated September 21st I talked about turning negatives into positives. The 1st step in this process I explained was to "Stop reading the negative press in the newspaper and watching the TV news". It is beyond my comprehension how so many conservative intellectuals run these large media companies and they continuously run this negative media that is driving our country into mental bondage!
The more FEAR that is instilled into the minds of Americans, the less likely they are to seek opportunity and invest back into the great country that gave us the capitalistic society that we have grown to love and prosper in over the last several decades. This was the reason for the largest single day point loss ever in stock market history. On September 27, 2008, earlier this week, the Dow slipped 778 points and the market value lost approximately $1.2 trillion, ALL IN ONE DAY! Why did this happen, because of the much anticipated response from the US House of Representatives that voted to reject the $700 billion bank bailout plan.
President George W. Bush announced on national television days earlier that a rejection of the bill would send our economy into a possible depression and results would be disastrous for the American people. So naturally when the bill was not passed, mostly everyone panicked and that was clearly evident with the results of the closing bell on Wall Street on the 27th.
After most investors and the American people had time to calm down, the stocks rose again the next day. I personally believe that the media also began to realize how the news itself was causing massive fear and the tone of all of this started to change. The "Bailout Bill" itself was modified, and then passed a few days ago.
Since the government has passed this the bailout to rescue these failing financial institutions, I am asking everyone that is reading this to help me initiate the next bailout they should push in the media - THE US MENTAL BAILOUT!
It will start with you - right now! You have to understand that things will get better starting with you getting better! You have to understand that things will change, starting with you changing! There is no better time to start than right now! I got better and I my life changed forever when I realized this!
2 Tips to start NOW!
1. Your beliefs become your reality!
If you start to change your beliefs, your reality will start to change.
2. Your philosophy will equal your income!
Since this is true then you should have a philosophy of HIGH expectations.
There is the same number of opportunities today as a few years ago and possibly more, you just have to find them. Because of the economic conditions, the opportunities may have shifted to different industries and more favorable to one industry versus the other but, believe me, opportunities are still out there!
In 1929 following the crash of Wall Street, John D. Rockefeller said, "These are days when many are discouraged. In the 93 years of my life, depressions have come and gone. Prosperity has always returned and will again."
Not only has opportunity thrived after major US economic offsets, but several prominent companies have started during these times.
In 1876, Thomas Edison opened a laboratory and invented the incandescent electric lamp, which started the 1st half of General Electric. All of this happened during the Panic of 1873. Today General Electric, also known as GE, is the world's 6th largest company!
In 1934, in the middle of the Great Depression, Bill Hewlett and David Packard started what is today the largest technology company in the world --- HP. You have probably owned a computer or printer made by their company.
Bill Gates and Paul Allen started Microsoft during the recession of 1975. Obviously most of us know that these 2 gentlemen are BILLIONAIRES today!
Who will the historians be talking about at the end of this century? How will your family remember you coming out of these mildly troubled economic times in the years to come?
These individuals weren't listening to the naysayers and the media...and neither should you.
I know this and understand this. You have to know this and understand this as well. The faster you internalize this and spread the word, the faster your own economy and your own future will be altered to receive the life of abundance you are looking for and you deserve.
Always remember, the key to life change is not inspiration or motivation, but the key to life change is education!
Stay informed, stay consistent, stay plugged in, and you will begin to create the future that you have always wanted!
God Bless and Good Luck in your endeavors!
Reco T. McDaniel is the founder and CEO of C.O.D.E. R.E.D. Marketing, which he founded in July of 2001. They are a marketing and training company comprised of a team of like-minded individuals focused on personal growth, spiritual fulfillment, and financial stability. Their focus is helping individuals create wealth in all these areas and helping them realize the champion within themselves! His mission is to personally create 100 millionaires by the year 2016 within his organization!
Reco started his road to entrepreneurship while in college full-time and working a full-time job. Upon seeing that his job was keeping him from accomplishing many of his personal goals, he started working very diligently on his part time business. Within a short period of time he was able to leave his job and pursue his dreams full-time. Since paying off debts, changing his lifestyle, and achieving many personal goals, he has coached and mentored thousands of people nationwide while building a personal business that exceeds 10,000 reps and annual revenue of more than $4 Million in less than two years with a company called Lightyear Alliance. These accomplishments have allowed him to become financially free in his mid 20s. His objective is to train, educate, and create wealth in every interested person he comes in contact with. His teachings, focusing on personal growth, spiritual fulfillment, and financial stability are unparalleled, transcending cultural and age barriers.
Today, Reco and his family reside in Atlanta, GA. He is happily married to his best friend Shanee' and currently the father of a son, Reco Jr. He credits his success, first and foremost, to his faith in God and then to his obligation to his family. Reco's strong belief, "We are blessed by God to be a blessing in someone else's life!" shows in his teachings.http://ezinearticles.com/
Read More ..
Senin, 02 Maret 2009
Find Awesome PSP Console Deals Today!
The truth is that, despite of, or perhaps because of, the deteriorating world economic outlook, you can find PSP console deals today that you would not have dreamed were possible a year ago. As the worldwide economic downswing starts really getting into it's stride, manufacturers and retailers have started going into survival mode - and cashflow becomes all important.
This is great news for those who can take advantage of the situation. Just like now is a great time to actually buy real estate and solid income generating stocks because you can get them at bargain basement prices, so too has the price of a PSP console become more negotiable as stockists try to move inventory and keep their cashflow ticking.
While you may well be offered a price reduction on a PSP console for sale in a retail store, these PSP prices do not have the same flexibility that a PSP for sale online has as these stores need to adhere to management guidelines. In fact, the place where you have the greatest chance of finding a mind blowing bargain is online on the auction sites.
A quick check for a PSP for sale online at a large auction site will show you just how flexible prices have become. In short, you are likely to find the cheapest PSP console available to the public for sale online.
Of course it is as well to know what the going rate for a PSP console in the retail stores is so that you can recognise a great PSP console deal when one presents itself. Also, be sure to stick to the large, more well known auction sites and satisfy yourself that the seller has a good track record.
This may all sound like a lot of work, but in reality it will take you less than 5 minutes - and the reward in terms of money saved could be quite substantial./span>http://EzineArticles.com Read More ..
This is great news for those who can take advantage of the situation. Just like now is a great time to actually buy real estate and solid income generating stocks because you can get them at bargain basement prices, so too has the price of a PSP console become more negotiable as stockists try to move inventory and keep their cashflow ticking.
While you may well be offered a price reduction on a PSP console for sale in a retail store, these PSP prices do not have the same flexibility that a PSP for sale online has as these stores need to adhere to management guidelines. In fact, the place where you have the greatest chance of finding a mind blowing bargain is online on the auction sites.
A quick check for a PSP for sale online at a large auction site will show you just how flexible prices have become. In short, you are likely to find the cheapest PSP console available to the public for sale online.
Of course it is as well to know what the going rate for a PSP console in the retail stores is so that you can recognise a great PSP console deal when one presents itself. Also, be sure to stick to the large, more well known auction sites and satisfy yourself that the seller has a good track record.
This may all sound like a lot of work, but in reality it will take you less than 5 minutes - and the reward in terms of money saved could be quite substantial./span>http://EzineArticles.com Read More ..
Minggu, 01 Maret 2009
The Pharmaceutical Industry in Today's Economic Recession 2009
As these words are being written down, the world is going through extraordinary times, with a financial crisis not experienced since the world wars. Markets are in turmoils and uncertainty is part of many businesses and industries. Several financial analysis are available for us to read, but the content often difficult to digest. The recession has badly affected many industries who are now desperately seeking help, such as the car industry. But what will be the specific impacts of the economic recession on the biotech and pharmaceutical industry.
The pharmaceutical and health-care industry have historically been relatively immune to economic turndowns, because illness doesn't take a vacation. Yet, with the ongoing recession, financial support will be reduced. Therefore, like in other industries, it is expected that the most affected by the reduced availability in funding will be the early stage biotech and pharmaceutical companies who need funding. But is there more to come?
There are a few possible speculations.
1.There is a possibility that things will get worst due to the fact that the market will be so uncertain that no financial investors will be willing to back up any company with a risky profile, notably in regards to the early or short term investments. In the event of this scenario, all industries will be affected. Companies with little cash will go one by one, until the economy heals.
2.Investors are often reluctant to put their money into biotech and pharmaceutical companies because of other very attractive industries such as buyouts and investments in resources (mines, oil). As the economic crisis goes on, the opportunities for capital will decline further. Because of the known and well recorded risk profile of the biotech and pharmaceutical industry, investors are going to stay away and put their assets in sectors with none to low risks. However, exit routes also play an important role. Unless there is a fast return, there is only one way for a biotech/pharma company to be profitable: through acquisition by a larger biotech or pharmaceutical company. Because of the way biotech and pharmaceutical companies usually grow, this is highly likely to happen. In this scenario, smaller companies, unable to sustain their finance could potentially ask bigger biotech/pharma company to bankroll them, allowing the industry to survive and even grow.
As a matter of fact, that second hypothesis has already started to take place. With today's economic turndowns, big drug companies are on a shopping spree. With the stock market prices tumbling, acquisitions are becoming cheaper. Also, struggling to find loans and capital, smaller companies are now more enticed to turn to the bigger ones to survive. Many big pharma companies, such as Bristol-Myers, GlaxoSmithKline or Wyeth, have been staring down billions worth of drug-patent expirations and many of them have few up-and-coming drugs to fill the blank. This economic crisis has given them exceptional opportunities to find bargains amongst the unfortunate small to medium companies in need for funding.
Nonetheless, it is important to remember that although the recession has yield great merges and acquisitions by the bigger biotech/pharma companies, the biotech and pharmaceutical industry is also very affected by the economic slowdown, and many of them are cutting jobs and closing factories. The belief of pharmaceutical and the health-care industry immunity to economic turndown is now on hold, and so is the hope for new medicine breakthrough.
Thalie Y is dedicated to providing unbiased and quality information about clinical research and clinical trials.http://ezinearticles.com/ Read More ..
The pharmaceutical and health-care industry have historically been relatively immune to economic turndowns, because illness doesn't take a vacation. Yet, with the ongoing recession, financial support will be reduced. Therefore, like in other industries, it is expected that the most affected by the reduced availability in funding will be the early stage biotech and pharmaceutical companies who need funding. But is there more to come?
There are a few possible speculations.
1.There is a possibility that things will get worst due to the fact that the market will be so uncertain that no financial investors will be willing to back up any company with a risky profile, notably in regards to the early or short term investments. In the event of this scenario, all industries will be affected. Companies with little cash will go one by one, until the economy heals.
2.Investors are often reluctant to put their money into biotech and pharmaceutical companies because of other very attractive industries such as buyouts and investments in resources (mines, oil). As the economic crisis goes on, the opportunities for capital will decline further. Because of the known and well recorded risk profile of the biotech and pharmaceutical industry, investors are going to stay away and put their assets in sectors with none to low risks. However, exit routes also play an important role. Unless there is a fast return, there is only one way for a biotech/pharma company to be profitable: through acquisition by a larger biotech or pharmaceutical company. Because of the way biotech and pharmaceutical companies usually grow, this is highly likely to happen. In this scenario, smaller companies, unable to sustain their finance could potentially ask bigger biotech/pharma company to bankroll them, allowing the industry to survive and even grow.
As a matter of fact, that second hypothesis has already started to take place. With today's economic turndowns, big drug companies are on a shopping spree. With the stock market prices tumbling, acquisitions are becoming cheaper. Also, struggling to find loans and capital, smaller companies are now more enticed to turn to the bigger ones to survive. Many big pharma companies, such as Bristol-Myers, GlaxoSmithKline or Wyeth, have been staring down billions worth of drug-patent expirations and many of them have few up-and-coming drugs to fill the blank. This economic crisis has given them exceptional opportunities to find bargains amongst the unfortunate small to medium companies in need for funding.
Nonetheless, it is important to remember that although the recession has yield great merges and acquisitions by the bigger biotech/pharma companies, the biotech and pharmaceutical industry is also very affected by the economic slowdown, and many of them are cutting jobs and closing factories. The belief of pharmaceutical and the health-care industry immunity to economic turndown is now on hold, and so is the hope for new medicine breakthrough.
Thalie Y is dedicated to providing unbiased and quality information about clinical research and clinical trials.http://ezinearticles.com/ Read More ..
Economics: The Gap Between the Have & Have Nots Is Much More About Individual Choice
Much is written today about the economic disparity between the economically advantaged and the economically disadvantaged or the have and the have nots. To close this gap, politicians and social reformers advocate a redistribution of the wealth from the rich to the poor. Yet, the gap still doesn't close given all the resources from tax reduction to socially aware programs funded through the performance efforts of the economically advantaged.
Maybe it is time to stop using economics as the source of the problem and considered that in many, not all, cases this gap between the haves and the have nots is really due to one simple word – choice. How many times do we choose in everyday life what we what to have:
* Eat at home vs. eat out
* Buy a safe, maintenance friendly inexpensive vehicle vs. an expensive high maintenance car
* Buy a home that is nice and meets basic needs vs. a home that is expensive and goes beyond basic needs
* Buy $20 walking or tennis shoes vs. $200 name brand tennis shoes
* Visit the library for reading material vs. buying new books
* Purchase one nice color TV vs. buying several color TV’s
* Working with current cell phone or technology vs. upgrading cell phone at every opportunity
* Attending school or professional development to qualify for further career advancement vs. not attending school
* Eat healthy food vs. eating fat and calorie heavy foods
* Walking an extra 20 minutes a day vs. watching TV
* Making it to work or school on time vs. not making it to work or school on time
By now, you have the idea. Life is truly about making choices. These choices affect what we have and what we have not. By choosing wisely, we make decisions that impact many years into our future.
Our founding fathers made specific choices in forming a government that potentially would allow individuals to perform at the level of their choice through what some call meritocracy. The three basic ingredients to this state are: motivation, energy and talent. Even though this infant government was not perfect, in just under 200 years, this United States was able to send a man to the moon and return him safely back to earth.
Through this structure, many have made choices allowing them to move up from the bottom to the top of the economic ladder. Choices may have involved self-sacrifice from working 2 jobs and going to school to truly understanding the difference between wants and needs. These individuals continually stretched their own individual potential in their ongoing quest to live their passion.
In today's world, the one have choice that closes the gap between the have and the have nots is education. According to data from the 2000 Census, high school graduates earn 50% to 75% less over a lifetime of work than 4-year college graduates to advanced degree individuals such as doctors or lawyers. Students who make a choice not to have a high school degree or GED earn even less provided that they can find a job in our knowledge driven society.
Many wish to ignore this elephant in the room – choice – when talking about the "real" problems regarding the economic gap between the have and have nots. The redistribution of wealth through taxation never addresses this much ignored elephant of choice. Bottom line is that taking personal responsibility for having made a choice is much more difficult than taking personal responsibility for not having made a choice.
Leanne Hoagland-Smith quickly doubles results for her clients from individuals (small businesses owners, entrepreneurs and young people) to large organizations by creating executable strategic action plans along with the necessary skills to pull it off. By closing the gap between today's unsatisfactory performance to tomorrow's goals, limited resources are maximized with waste including time being reduced. Please feel free to contact Leanne at 219.759.5601 or visit http://www.processspecialist.com/ and explore how she can help you.http://ezinearticles.com/ Read More ..
Maybe it is time to stop using economics as the source of the problem and considered that in many, not all, cases this gap between the haves and the have nots is really due to one simple word – choice. How many times do we choose in everyday life what we what to have:
* Eat at home vs. eat out
* Buy a safe, maintenance friendly inexpensive vehicle vs. an expensive high maintenance car
* Buy a home that is nice and meets basic needs vs. a home that is expensive and goes beyond basic needs
* Buy $20 walking or tennis shoes vs. $200 name brand tennis shoes
* Visit the library for reading material vs. buying new books
* Purchase one nice color TV vs. buying several color TV’s
* Working with current cell phone or technology vs. upgrading cell phone at every opportunity
* Attending school or professional development to qualify for further career advancement vs. not attending school
* Eat healthy food vs. eating fat and calorie heavy foods
* Walking an extra 20 minutes a day vs. watching TV
* Making it to work or school on time vs. not making it to work or school on time
By now, you have the idea. Life is truly about making choices. These choices affect what we have and what we have not. By choosing wisely, we make decisions that impact many years into our future.
Our founding fathers made specific choices in forming a government that potentially would allow individuals to perform at the level of their choice through what some call meritocracy. The three basic ingredients to this state are: motivation, energy and talent. Even though this infant government was not perfect, in just under 200 years, this United States was able to send a man to the moon and return him safely back to earth.
Through this structure, many have made choices allowing them to move up from the bottom to the top of the economic ladder. Choices may have involved self-sacrifice from working 2 jobs and going to school to truly understanding the difference between wants and needs. These individuals continually stretched their own individual potential in their ongoing quest to live their passion.
In today's world, the one have choice that closes the gap between the have and the have nots is education. According to data from the 2000 Census, high school graduates earn 50% to 75% less over a lifetime of work than 4-year college graduates to advanced degree individuals such as doctors or lawyers. Students who make a choice not to have a high school degree or GED earn even less provided that they can find a job in our knowledge driven society.
Many wish to ignore this elephant in the room – choice – when talking about the "real" problems regarding the economic gap between the have and have nots. The redistribution of wealth through taxation never addresses this much ignored elephant of choice. Bottom line is that taking personal responsibility for having made a choice is much more difficult than taking personal responsibility for not having made a choice.
Leanne Hoagland-Smith quickly doubles results for her clients from individuals (small businesses owners, entrepreneurs and young people) to large organizations by creating executable strategic action plans along with the necessary skills to pull it off. By closing the gap between today's unsatisfactory performance to tomorrow's goals, limited resources are maximized with waste including time being reduced. Please feel free to contact Leanne at 219.759.5601 or visit http://www.processspecialist.com/ and explore how she can help you.http://ezinearticles.com/ Read More ..
Reverse Mortgage - Today's Low Rates Make it More Attractive
The recent drop in interest rates is positively changing the reverse mortgage landscape. One of the key factors that determine how much you are eligible to borrow is the interest rate. That said, the next few months could be an opportunity to cash in with a reverse mortgage.
There are three variables that control the amount of money you receive with a reverse mortgage:
Age - You must be 62 or older, but the greater your age the more you qualify for
Appraised Value -Your eligible amount is based on a percentage of your home value
Interest Rate - The lower the rate, the more you are eligible for
In some cases, today's lower rates can help make up for the decrease in property values. Here's sample of what's available for a 73 year old with a $200,000 appraised value and an expected rate of 5.1%. The 73 year old could choose between $130,400 in cash or $818 per month for life. There would also be to option to choose a combination of lump sum cash and receiving a monthly check for life.
The proceeds of a reverse mortgage are generally tax-free, and many reverse mortgages have no income restrictions. The max lending limit has now been raised to 417,000. With a $417,000 appraised value, the 73 year old could access net funds available approaching $280,000 or a monthly check of about $1,700 for life.
According to the American Association of Retired Persons, the top 5 reasons seniors get a reverse mortgage are:
1. Pay off mortgage (20%)
2. Home repairs/improvements (18%)
3. Improve quality of life (14%)
4. Everyday expenses (10%)
5. Emergencies/unexpected (9%)
There are options available with no out of pocket costs, and counseling from a HUD approved counseling agency is required prior to application. This helps ensure your safety and comfort in the decision making process. In light of today's economic conditions, a reverse mortgage may be the right financial tool for you to use. That's called "Retiring in Style"!http://ezinearticles.com Read More ..
There are three variables that control the amount of money you receive with a reverse mortgage:
Age - You must be 62 or older, but the greater your age the more you qualify for
Appraised Value -Your eligible amount is based on a percentage of your home value
Interest Rate - The lower the rate, the more you are eligible for
In some cases, today's lower rates can help make up for the decrease in property values. Here's sample of what's available for a 73 year old with a $200,000 appraised value and an expected rate of 5.1%. The 73 year old could choose between $130,400 in cash or $818 per month for life. There would also be to option to choose a combination of lump sum cash and receiving a monthly check for life.
The proceeds of a reverse mortgage are generally tax-free, and many reverse mortgages have no income restrictions. The max lending limit has now been raised to 417,000. With a $417,000 appraised value, the 73 year old could access net funds available approaching $280,000 or a monthly check of about $1,700 for life.
According to the American Association of Retired Persons, the top 5 reasons seniors get a reverse mortgage are:
1. Pay off mortgage (20%)
2. Home repairs/improvements (18%)
3. Improve quality of life (14%)
4. Everyday expenses (10%)
5. Emergencies/unexpected (9%)
There are options available with no out of pocket costs, and counseling from a HUD approved counseling agency is required prior to application. This helps ensure your safety and comfort in the decision making process. In light of today's economic conditions, a reverse mortgage may be the right financial tool for you to use. That's called "Retiring in Style"!http://ezinearticles.com Read More ..
Can Celebs Like Tiger Woods Weather the Economic Crisis?
Golf champion Tiger Woods lost at least a portion of his income when General Motors ended its relationship with him. The volatility of the auto industry was certainly a factor in Woods' sponsorship deal closing a year and $8 million early. But I'm not worried about Tiger-he'll roar on to other sponsorship deals. Other celebrities, however, like many of us, aren't that lucky.
Take Damon Dash, the estranged business partner of rapper Jay-Z, who may lose two of his Manhattan apartments to foreclosure for failing to pay $7.3 million on the mortgages. A judge has also requested the seizure of his Chevrolet Tahoe due to missed payments, he's got $2.1 million in claims against him for NY state taxes, and a lawsuit based on claims he didn't fully pay the law firm involved in his child-custody case. As one lawyer said, "...to borrow a phrase from my Kentucky homeland, they haven't got a pot to p--- in. They're broke."
Scott Storch, the former Roc-A-Fella Records bigwig who produced hits for Fat Joe, Beyonce, Dr Dre, and G-Unit (as well as being an ex-flame of Paris Hilton), had his Miami mansion foreclosed and his Ferrari repossessed.
I work with celebrities in my private practice and so I'm aware that they have all the same problems as Joe Six-pack, just more so. That includes the economic crisis. Just like all of us mortals, there are stars (and the people around them) who haven't received very good financial advice or have simply been too arrogant about their wealth, and now are in difficult situations. There's a lot we can learn from the problems they face, as well as from the economic recession we all find ourselves in these days.
Some big names have been rescued. Whitney Houston was deep into foreclosure proceedings for her New Jersey mansion because she was more than $1 million behind on her mortgage and taxes. Fortunately, she was able to sell the home. Ed McMahon, who was Johnny Carson's sidekick on The Tonight Show for decades, was facing foreclosure on his multimillion-dollar Beverly Hills home because he was $644,000 behind on mortgage payments; he was bailed out by Donald Trump, who bought the house and allowed McMahon to continue living in it. Michael Jackson nearly lost Neverland Ranch to foreclosure in May 2008, but got a reprieve from a real estate company that bought the $23.5 million loan that Jackson had been unable to pay back, which saved Neverland from the auction block.
We're all hurting. The 2008 presidential and local elections were swayed more by the heft of what's in our wallets than by the war in Iraq, our dependence on oil (foreign or otherwise), or whether or not gays could get married. In other words, what really counted was our economic well-being.
Those of us who aren't wealthy (or once-wealthy) celebrities are facing plenty of challenges. Are we in danger of losing our home? Have we dug ourselves deeply into the hole of credit card debt? Is our job safe? If not, can we find another one? Are we covered by enough insurance to survive a health crisis financially? Can we keep our children from going into debt in order to get an education? Can we get the loan we need to keep our business afloat? Why are we so much more scared about it all now than we were in previous recessions? And what can we do as individuals to turn the situation around?
I'm a health & wellness educator, but for many years my "day job" was as an attorney specializing in commercial real estate transactions. I'm aware of how different today's economic crisis is compared to the ones I worked my way through in the past. Last year, when my insurance agent casually remarked on how many were suffering in a downturned real estate market, I ignored his comment. After all, out here in southern California, it's always sunny. Malibu, my home, seemed untouched by the economic downturn in other areas. It didn't dawn on me that this crisis was profoundly serious across the board until Christmas 2007, when the bottom fell out of the real estate market throughout the country. Healthy real estate transactions fell apart. Lenders that had promised funds got cold feet and backed out.
Then the Bear Sterns collapse threw a shock wave throughout the industry, even in sunny California, and things have been crashing down around us ever since. When my insurance broker called for my renewal in 2008 and I asked how it was going for him, he started to cry. He had lost his house in January, his wife in February. Now everyone I talk to has a hard luck story. My acupuncturist has gotten a second job pumping gas, and he's lucky to have a job at all. Others I know have lost their jobs and are wondering what's next in this seemingly endless downward spiral.
What, I wondered, is the difference between today's economic crisis and those in the 80s and 90s? I realized that one of the major differences is that we are so much more connected these days - individual to individual, country to country around the world, so things happen much faster and on a bigger scale. Look at how oil prices are affected globally. The housing and mortgage crisis, which should have been limited to the confines of the U.S., wound up having an effect on markets worldwide as global financial institutions were involved. Our next big crisis will result from overwhelming credit card debt and we'll watch giant institutions like American Express being brought to their knees. The word on the street is that they're selling our credit card debt for 2-½ cents on the dollar! That's surely a situation that will explode.
The present crisis has in large part been created by unbridled greed - one of the seven deadly sins for good reason. It's the sheer gall of the auto industry executives arriving in Washington to discuss a bailout - all in their private jets. It's the ungodly sums of money CEOs get as compensation, even as their companies are firing huge numbers of employees. It's the brash assumption of Wall Streeters that the bull market would go up endlessly, or the cynical assumptions of others that the way to get rich is to bet on the downward bear trend.
Economic crises spring from greed, and they are compounded by fear. It's when the average depositor, the infamous Joe six-pack on Main Street, gets afraid and thinks that the stock market or the bank isn't safe, that he runs and pulls his money out, assuming he has any left. Rumor and speculation about disaster are the fuel of the economic fires. And more fuel is added to the fire by the constant reporting of the media - the doom and gloom economic forecasters, the endless pictures of foreclosure signs in front of homes, the surging percentage of job losses and unemployment.
To add insult to the already injured, the government now has to reach deep into taxpayers' pockets to bail out major financial institutions and industries so the economy doesn't completely collapse. We've created real economic chaos, and left it in the hands of our President-elect and his multitude of financial advisors to figure out what to do next.
While Team Obama battles the big picture, what can we do individually? We can look inside ourselves and see where our greed and fear have gotten us - both individually and collectively. We were all greedy, thinking that we could rent or buy homes that cost more than we could afford, that we could carry car payments and insurance payments with ease, that credit cards were somehow the same as having money, that we could borrow from the oil reserves that were meant to protect our future. While impulse buying and the desire to have the latest and greatest "stuff" kept propelling our economy, we lived in blissful ignorance of the consequences. We felt safe as long as we could stay in front of our monthly payments. It's been a rude awakening. We need to scale our wants down to fit our needs. At the same time, let's take steps to keep our fear level in check: time spent in nature, plenty of sunshine, R&R with our family and friends all help to keep us balanced.
Especially at this time of year, when temperatures go down and heating bills go up, let's look around and see where we can extend a helping hand to those who have been swept off their feet by what's happening in our economy. Invite those who are down and out to a dinner or give them a dinner out. When doing your holiday shopping, think about giving those who are hurting a gift card for groceries instead of buying some gadget for relatives and friends. Uncle Joe doesn't need another tie, but your neighbor may need your help. Donate to projects that provide winter coats to those in need. Volunteer to help those less fortunate; no matter how busy we are, we can always find a little time to be of service.
Hopefully, the pendulum has swung from the heyday of "what's in it for me" to the side of "how can we help each other." It's time to know that we can all do with less, that even celebrities can do with less, and that compassion for the plight of others is a great way to curb fear about our own situation. With peace in our hearts and plenty of love to give out, we can combat fear and greed by feeling secure in our humanity if not in our wallets.http://ezinearticles.com Read More ..
Take Damon Dash, the estranged business partner of rapper Jay-Z, who may lose two of his Manhattan apartments to foreclosure for failing to pay $7.3 million on the mortgages. A judge has also requested the seizure of his Chevrolet Tahoe due to missed payments, he's got $2.1 million in claims against him for NY state taxes, and a lawsuit based on claims he didn't fully pay the law firm involved in his child-custody case. As one lawyer said, "...to borrow a phrase from my Kentucky homeland, they haven't got a pot to p--- in. They're broke."
Scott Storch, the former Roc-A-Fella Records bigwig who produced hits for Fat Joe, Beyonce, Dr Dre, and G-Unit (as well as being an ex-flame of Paris Hilton), had his Miami mansion foreclosed and his Ferrari repossessed.
I work with celebrities in my private practice and so I'm aware that they have all the same problems as Joe Six-pack, just more so. That includes the economic crisis. Just like all of us mortals, there are stars (and the people around them) who haven't received very good financial advice or have simply been too arrogant about their wealth, and now are in difficult situations. There's a lot we can learn from the problems they face, as well as from the economic recession we all find ourselves in these days.
Some big names have been rescued. Whitney Houston was deep into foreclosure proceedings for her New Jersey mansion because she was more than $1 million behind on her mortgage and taxes. Fortunately, she was able to sell the home. Ed McMahon, who was Johnny Carson's sidekick on The Tonight Show for decades, was facing foreclosure on his multimillion-dollar Beverly Hills home because he was $644,000 behind on mortgage payments; he was bailed out by Donald Trump, who bought the house and allowed McMahon to continue living in it. Michael Jackson nearly lost Neverland Ranch to foreclosure in May 2008, but got a reprieve from a real estate company that bought the $23.5 million loan that Jackson had been unable to pay back, which saved Neverland from the auction block.
We're all hurting. The 2008 presidential and local elections were swayed more by the heft of what's in our wallets than by the war in Iraq, our dependence on oil (foreign or otherwise), or whether or not gays could get married. In other words, what really counted was our economic well-being.
Those of us who aren't wealthy (or once-wealthy) celebrities are facing plenty of challenges. Are we in danger of losing our home? Have we dug ourselves deeply into the hole of credit card debt? Is our job safe? If not, can we find another one? Are we covered by enough insurance to survive a health crisis financially? Can we keep our children from going into debt in order to get an education? Can we get the loan we need to keep our business afloat? Why are we so much more scared about it all now than we were in previous recessions? And what can we do as individuals to turn the situation around?
I'm a health & wellness educator, but for many years my "day job" was as an attorney specializing in commercial real estate transactions. I'm aware of how different today's economic crisis is compared to the ones I worked my way through in the past. Last year, when my insurance agent casually remarked on how many were suffering in a downturned real estate market, I ignored his comment. After all, out here in southern California, it's always sunny. Malibu, my home, seemed untouched by the economic downturn in other areas. It didn't dawn on me that this crisis was profoundly serious across the board until Christmas 2007, when the bottom fell out of the real estate market throughout the country. Healthy real estate transactions fell apart. Lenders that had promised funds got cold feet and backed out.
Then the Bear Sterns collapse threw a shock wave throughout the industry, even in sunny California, and things have been crashing down around us ever since. When my insurance broker called for my renewal in 2008 and I asked how it was going for him, he started to cry. He had lost his house in January, his wife in February. Now everyone I talk to has a hard luck story. My acupuncturist has gotten a second job pumping gas, and he's lucky to have a job at all. Others I know have lost their jobs and are wondering what's next in this seemingly endless downward spiral.
What, I wondered, is the difference between today's economic crisis and those in the 80s and 90s? I realized that one of the major differences is that we are so much more connected these days - individual to individual, country to country around the world, so things happen much faster and on a bigger scale. Look at how oil prices are affected globally. The housing and mortgage crisis, which should have been limited to the confines of the U.S., wound up having an effect on markets worldwide as global financial institutions were involved. Our next big crisis will result from overwhelming credit card debt and we'll watch giant institutions like American Express being brought to their knees. The word on the street is that they're selling our credit card debt for 2-½ cents on the dollar! That's surely a situation that will explode.
The present crisis has in large part been created by unbridled greed - one of the seven deadly sins for good reason. It's the sheer gall of the auto industry executives arriving in Washington to discuss a bailout - all in their private jets. It's the ungodly sums of money CEOs get as compensation, even as their companies are firing huge numbers of employees. It's the brash assumption of Wall Streeters that the bull market would go up endlessly, or the cynical assumptions of others that the way to get rich is to bet on the downward bear trend.
Economic crises spring from greed, and they are compounded by fear. It's when the average depositor, the infamous Joe six-pack on Main Street, gets afraid and thinks that the stock market or the bank isn't safe, that he runs and pulls his money out, assuming he has any left. Rumor and speculation about disaster are the fuel of the economic fires. And more fuel is added to the fire by the constant reporting of the media - the doom and gloom economic forecasters, the endless pictures of foreclosure signs in front of homes, the surging percentage of job losses and unemployment.
To add insult to the already injured, the government now has to reach deep into taxpayers' pockets to bail out major financial institutions and industries so the economy doesn't completely collapse. We've created real economic chaos, and left it in the hands of our President-elect and his multitude of financial advisors to figure out what to do next.
While Team Obama battles the big picture, what can we do individually? We can look inside ourselves and see where our greed and fear have gotten us - both individually and collectively. We were all greedy, thinking that we could rent or buy homes that cost more than we could afford, that we could carry car payments and insurance payments with ease, that credit cards were somehow the same as having money, that we could borrow from the oil reserves that were meant to protect our future. While impulse buying and the desire to have the latest and greatest "stuff" kept propelling our economy, we lived in blissful ignorance of the consequences. We felt safe as long as we could stay in front of our monthly payments. It's been a rude awakening. We need to scale our wants down to fit our needs. At the same time, let's take steps to keep our fear level in check: time spent in nature, plenty of sunshine, R&R with our family and friends all help to keep us balanced.
Especially at this time of year, when temperatures go down and heating bills go up, let's look around and see where we can extend a helping hand to those who have been swept off their feet by what's happening in our economy. Invite those who are down and out to a dinner or give them a dinner out. When doing your holiday shopping, think about giving those who are hurting a gift card for groceries instead of buying some gadget for relatives and friends. Uncle Joe doesn't need another tie, but your neighbor may need your help. Donate to projects that provide winter coats to those in need. Volunteer to help those less fortunate; no matter how busy we are, we can always find a little time to be of service.
Hopefully, the pendulum has swung from the heyday of "what's in it for me" to the side of "how can we help each other." It's time to know that we can all do with less, that even celebrities can do with less, and that compassion for the plight of others is a great way to curb fear about our own situation. With peace in our hearts and plenty of love to give out, we can combat fear and greed by feeling secure in our humanity if not in our wallets.http://ezinearticles.com Read More ..
6 Critical Cost Cutting Steps When Opening a Dollar Store in Today's Economy
We all know the sad truth about the economy. For many retailers the results of tight money, tight credit, ever-higher unemployment and a general uneasiness had been slowed sales. For some it has even meant total closure of their businesses. While these times can be the perfect opportunity for those who own and operate a dollar, discount variety store, there are critical steps to take to ensure success in the year ahead. In this article I present critical cost cutting steps when opening a dollar store. In reality these very steps should be considered by all retailers as a means of increasing inventory turns and decreasing inventory investment.
1) You must know your store sales patterns. Where do the majority of your customers go as they enter your store? What products draw the most attention? What products sell in the highest volume? Build on this knowledge by never allowing those items to run out. Broaden your offerings in the most popular products categories. Providing a variety of options and complementary products can go a long way in building sales.
2) You must know what sells quickly, what sells slowly and what doesn't sell at all. As mentioned above knowing the products that sell best in your store can be one of the keys to growing sales - even in tough economic times. However it is equally important to understand which products are slow sellers. These are products that should become your focus. The best options are to build sales of these products with better placement and signage, or to reduce total quantities on-hand. Products that are not selling also need to become your focus. It's time to either build sales or eliminate those products entirely.
3) Reduce overall inventory in your store. Keep you store looking fuller by spreading merchandise, reducing the depth of items carried, and by trimming down to the sure-sellers. In today's economic environment opening a dollar store can prove to be more challenging. Certainly inventory management takes on a much more important role.
4) Eliminate items that are not selling. Don't leave your money tied up in merchandise that does not sell. Do everything possible to build sales. If that doesn't work, now is the time to eliminate those products from inventory entirely.
5) Once the non-selling items have been trimmed from your inventory, start working on the slow sellers. That's right while you may have been able to carry slow moving merchandise before; it's time to move it out. Once these items are gone, don't reorder. You need to keep your money invested in the products that customers want and need. Keep your money tied up in products that will make you a profit.
6) When opening a dollar store be cautious about experimenting with new items. While it may have previously been a good decision to bring in new items just to see if they'd sell, times have changed. Be sure every item you add to inventory is a proven seller for others. In today's environment that means you must know the needs of your customers. Then stock only the merchandise that meets those needs.
To your dollar store business success!http://ezinearticles.com Read More ..
1) You must know your store sales patterns. Where do the majority of your customers go as they enter your store? What products draw the most attention? What products sell in the highest volume? Build on this knowledge by never allowing those items to run out. Broaden your offerings in the most popular products categories. Providing a variety of options and complementary products can go a long way in building sales.
2) You must know what sells quickly, what sells slowly and what doesn't sell at all. As mentioned above knowing the products that sell best in your store can be one of the keys to growing sales - even in tough economic times. However it is equally important to understand which products are slow sellers. These are products that should become your focus. The best options are to build sales of these products with better placement and signage, or to reduce total quantities on-hand. Products that are not selling also need to become your focus. It's time to either build sales or eliminate those products entirely.
3) Reduce overall inventory in your store. Keep you store looking fuller by spreading merchandise, reducing the depth of items carried, and by trimming down to the sure-sellers. In today's economic environment opening a dollar store can prove to be more challenging. Certainly inventory management takes on a much more important role.
4) Eliminate items that are not selling. Don't leave your money tied up in merchandise that does not sell. Do everything possible to build sales. If that doesn't work, now is the time to eliminate those products from inventory entirely.
5) Once the non-selling items have been trimmed from your inventory, start working on the slow sellers. That's right while you may have been able to carry slow moving merchandise before; it's time to move it out. Once these items are gone, don't reorder. You need to keep your money invested in the products that customers want and need. Keep your money tied up in products that will make you a profit.
6) When opening a dollar store be cautious about experimenting with new items. While it may have previously been a good decision to bring in new items just to see if they'd sell, times have changed. Be sure every item you add to inventory is a proven seller for others. In today's environment that means you must know the needs of your customers. Then stock only the merchandise that meets those needs.
To your dollar store business success!http://ezinearticles.com Read More ..
Recession-Proof Federal Jobs, Careers & Openings Available Right Now - You Can Get Federal Job Now
Think we have a severe economic recession in the United States today, right? Or, at least, that the magnitude of the apparent severe unemployment situation that we have today, is such that you probably can't find any significant job openings existing just about anywhere in America today, and that there simply aren't any employers today who are making any significant hiring of new workers, right?
Well, think again!
Oh, I know. There's this virtual avalanche of grim economic news flooding the American people even by the minute these days out of Washington, telling about growing business and industry shut downs, worker lay offs and rising unemployment. And sure, it's real. But, this is probably the biggest job-related secret in America today, the common, conventional thinking that there's general joblessness in America. Actually, the plain FACT is that there are, in fact, plenty of Federal government job hiring going on right now, for example, and plenty of Federal job openings available around the clock right this minute, and you'd just need the "informed keys" to getting those federal jobs, and with that you'd be able to properly job search for and dig out those Federal job openings, then properly apply for them and get one of them.
Point is, what we actually have here in the American job market today, is a diminution, or, if you will, a shrinkage in certain types of jobs. But there is no overall shortage of jobs, no complete dry-up of employment or employment opportunities in the totality of the American economy. Particularly, there is our own Federal Government of the United States. It has large job openings right now and continues to hire new workers in large numbers all along even as we speak right now. And, will not only continue to have need for new workers, and to hire sizable numbers of them in the months ahead, but in numbers even higher and larger.
In deed, several studies by respectable labor and manpower economists and experts, including the U.S. Bureau of Labor Statistics, and then, most recently, the report by experts (see link below at end of the article), released in January 2009 by the White House Council of Economic Advisers, have amply projected that a large number of jobs are to be created by the Federal Government in this 2009 year, and beyond. For example, this latest January 2009 study estimates that, just based on a $600 billion economic stimulus package by the new Obama administration (a higher amount of some $800-900 billion is what is currently being discussed), about 244,000 newly created government jobs at Federal, state and local levels, are to be expected by that measure alone.
In deed, this is actually totally in keeping with the appropriate role expected of the Federal government in times of unusually hard economic times or crises such as we have today. At such times, the Federal Government is expected and anticipated to have an even higher job-creation and worker and labor hiring load than usual in normal times, for one fundamental reason, which is simply that such a role is, in fact, the natural, responsible role meant for the Federal government to play. The Federal Government just has to step in, in such a dire national economic time (the kind we seem to have right now), and play the role of a stabilizer. In fact, the notion has become the common thinking among labor management experts and economists today, that in unusually severe economic times such as today when general employment continues to dwindle, and when major American employers (Microsoft corp., Pfizer, Caterpillar, Home Deport, and the Wall Street, to name just a few) are massively laying off workers, it becomes therefore the "natural, built-in" role of the Federal government to step in and try to pick up the employment slack by stepping up worker hiring, not lessening it.
THE CENTRAL QUESTION: Given the FACT, solidly established, that the Federal government has an abundance of job openings available, and is poised for even higher levels of new worker hiring in the near future, if you are a job seeker who is serious about securing a job with the Federal Government, what would you need to do to secure one of these Federal jobs? Essentially, what and what to do, fundamentally lies in the serious job-seeker making certain to have the vital knowledge, information and skill, to be able to properly job search for where the jobs actually are (in terms of the specific agencies of the Federal government having them, as well as their geographic locations across the country), and to uncover them; and having located those jobs, the other critical necessity is that the job-seeker has got to be able to know how exactly to properly apply for them in a way that will meet the special Federal job standards, and thereby result in his or her landing the priced Federal job.
The question, in short, will really boil down to this: which and which ones among the American jobless or those who seek jobs, will be equipped enough and informed enough to be able to take proper advantage of these real, existing 'recession proof' Federal job openings, and therefore be able to walk away with those jobs for which they're qualified?
GETTING FEDERAL EMPLOYMENT IN THE MIDST OF SEVERE UNEMPLOYMENT CLIMATE!?
Here, in a nutshell, are some of the major things that a good program or instructions handbook of federal Job hunting should have to be able to job search for, and successfully apply for and get federal Job. They include the following, among others:
• information on the present and projected civilian job openings and career opportunities that are continually available in the federal government;
• the present as well as the projected future areas of Federal job growth and openings, and where exactly those jobs are or will be in the future (in terms of the particular government agencies that are applicable, as well as the jobs' geographic locations);
• how to search for them and to find them, how to understudy precisely the actual core qualifications required for the job, and to "decode" them;
• how to properly apply for the jobs using precisely the appropriate Federal-style procedures and standards (including the Federal-style job interviewing, job resume and KSA writing standards), and
• how to successfully process your job application, from the very start to the end, in such a way as to win the Federal hiring officer's nod for the job, etc.
In this present time, particularly, I've become even more encouraged and more emboldened by one major, new, unique development that was not earlier unanticipated but which busted lately on the American economic scene, to make an even better and more compelling case for why it's now almost like a dire necessity of life for any serious Federal job hunter today to hurry and grab the essential information that's needed on applying for federal employment: the new Obama Presidency! The projected infusion of humongous sums into the economy out of the Obama economic stimulus program, some one trillion dollars or so of it, will clearly mean far more big-government programs and initiatives, and, hence, the creation of a lot more new government jobs across the board in the months ahead. And, even more so, still more new Federal government civil service jobs and new federal hires to be had!
Those are the virtually GUARANTEED new Federal job opportunities that are either already here, or are soon to come! Again, which American jobless or job-seekers would have been properly equipped, informed, and adequately prepared, to take proper advantage of these opportunities? That's the central question! Having in hand this prime essential information and knowledge you'd need for properly job searching for, finding, and applying for a federal job, will assure precisely that you'd be up to that challenge - an the tremendous opportunity to become a prized Federal employee.
For the most recent study report (January 2009) on the massive number of jobs projected to be created by the Federal government, visit: (http://www.cnbc.com/id/28948055;
http://news.aol.com/article/despite-layoffs-federal-work-force-is/324326?cid=9)
Benji O. Anosike, Ph.D., has been characterized by one analyst as "one of the keenest-eyed Federal government employment researchers and experts around." His latest new study just released, is titled THE FEDERAL JOBS HANDBOOK: HOW TO JOB SEARCH FOR, APPLY FOR AND GET FEDERAL JOB. SUBTITLE: "America's Biggest Job Secret: How the Federal Government is Loaded with Jobs, Where they are, and How to Get Them." (http://www.GetFederalJobNow.com). A recognized national expert on self-help law and consumer cost-cutting and cost-saving techniques, Dr. Anosike holds graduate degrees in labor management economics and a Ph.D. in jurisprudence. Anosike has been assessed in one review of its work by The Booklist, the review journal of the American Library Association, as "probably the most prolific writer in America today." He is the acclaimed author of some 26 books, guidebooks and manuals (plus literally countless number of articles), including several best-sellers, on various topics of American law, consumer interests and savings.http://ezinearticles.com/ Read More ..
Well, think again!
Oh, I know. There's this virtual avalanche of grim economic news flooding the American people even by the minute these days out of Washington, telling about growing business and industry shut downs, worker lay offs and rising unemployment. And sure, it's real. But, this is probably the biggest job-related secret in America today, the common, conventional thinking that there's general joblessness in America. Actually, the plain FACT is that there are, in fact, plenty of Federal government job hiring going on right now, for example, and plenty of Federal job openings available around the clock right this minute, and you'd just need the "informed keys" to getting those federal jobs, and with that you'd be able to properly job search for and dig out those Federal job openings, then properly apply for them and get one of them.
Point is, what we actually have here in the American job market today, is a diminution, or, if you will, a shrinkage in certain types of jobs. But there is no overall shortage of jobs, no complete dry-up of employment or employment opportunities in the totality of the American economy. Particularly, there is our own Federal Government of the United States. It has large job openings right now and continues to hire new workers in large numbers all along even as we speak right now. And, will not only continue to have need for new workers, and to hire sizable numbers of them in the months ahead, but in numbers even higher and larger.
In deed, several studies by respectable labor and manpower economists and experts, including the U.S. Bureau of Labor Statistics, and then, most recently, the report by experts (see link below at end of the article), released in January 2009 by the White House Council of Economic Advisers, have amply projected that a large number of jobs are to be created by the Federal Government in this 2009 year, and beyond. For example, this latest January 2009 study estimates that, just based on a $600 billion economic stimulus package by the new Obama administration (a higher amount of some $800-900 billion is what is currently being discussed), about 244,000 newly created government jobs at Federal, state and local levels, are to be expected by that measure alone.
In deed, this is actually totally in keeping with the appropriate role expected of the Federal government in times of unusually hard economic times or crises such as we have today. At such times, the Federal Government is expected and anticipated to have an even higher job-creation and worker and labor hiring load than usual in normal times, for one fundamental reason, which is simply that such a role is, in fact, the natural, responsible role meant for the Federal government to play. The Federal Government just has to step in, in such a dire national economic time (the kind we seem to have right now), and play the role of a stabilizer. In fact, the notion has become the common thinking among labor management experts and economists today, that in unusually severe economic times such as today when general employment continues to dwindle, and when major American employers (Microsoft corp., Pfizer, Caterpillar, Home Deport, and the Wall Street, to name just a few) are massively laying off workers, it becomes therefore the "natural, built-in" role of the Federal government to step in and try to pick up the employment slack by stepping up worker hiring, not lessening it.
THE CENTRAL QUESTION: Given the FACT, solidly established, that the Federal government has an abundance of job openings available, and is poised for even higher levels of new worker hiring in the near future, if you are a job seeker who is serious about securing a job with the Federal Government, what would you need to do to secure one of these Federal jobs? Essentially, what and what to do, fundamentally lies in the serious job-seeker making certain to have the vital knowledge, information and skill, to be able to properly job search for where the jobs actually are (in terms of the specific agencies of the Federal government having them, as well as their geographic locations across the country), and to uncover them; and having located those jobs, the other critical necessity is that the job-seeker has got to be able to know how exactly to properly apply for them in a way that will meet the special Federal job standards, and thereby result in his or her landing the priced Federal job.
The question, in short, will really boil down to this: which and which ones among the American jobless or those who seek jobs, will be equipped enough and informed enough to be able to take proper advantage of these real, existing 'recession proof' Federal job openings, and therefore be able to walk away with those jobs for which they're qualified?
GETTING FEDERAL EMPLOYMENT IN THE MIDST OF SEVERE UNEMPLOYMENT CLIMATE!?
Here, in a nutshell, are some of the major things that a good program or instructions handbook of federal Job hunting should have to be able to job search for, and successfully apply for and get federal Job. They include the following, among others:
• information on the present and projected civilian job openings and career opportunities that are continually available in the federal government;
• the present as well as the projected future areas of Federal job growth and openings, and where exactly those jobs are or will be in the future (in terms of the particular government agencies that are applicable, as well as the jobs' geographic locations);
• how to search for them and to find them, how to understudy precisely the actual core qualifications required for the job, and to "decode" them;
• how to properly apply for the jobs using precisely the appropriate Federal-style procedures and standards (including the Federal-style job interviewing, job resume and KSA writing standards), and
• how to successfully process your job application, from the very start to the end, in such a way as to win the Federal hiring officer's nod for the job, etc.
In this present time, particularly, I've become even more encouraged and more emboldened by one major, new, unique development that was not earlier unanticipated but which busted lately on the American economic scene, to make an even better and more compelling case for why it's now almost like a dire necessity of life for any serious Federal job hunter today to hurry and grab the essential information that's needed on applying for federal employment: the new Obama Presidency! The projected infusion of humongous sums into the economy out of the Obama economic stimulus program, some one trillion dollars or so of it, will clearly mean far more big-government programs and initiatives, and, hence, the creation of a lot more new government jobs across the board in the months ahead. And, even more so, still more new Federal government civil service jobs and new federal hires to be had!
Those are the virtually GUARANTEED new Federal job opportunities that are either already here, or are soon to come! Again, which American jobless or job-seekers would have been properly equipped, informed, and adequately prepared, to take proper advantage of these opportunities? That's the central question! Having in hand this prime essential information and knowledge you'd need for properly job searching for, finding, and applying for a federal job, will assure precisely that you'd be up to that challenge - an the tremendous opportunity to become a prized Federal employee.
For the most recent study report (January 2009) on the massive number of jobs projected to be created by the Federal government, visit: (http://www.cnbc.com/id/28948055;
http://news.aol.com/article/despite-layoffs-federal-work-force-is/324326?cid=9)
Benji O. Anosike, Ph.D., has been characterized by one analyst as "one of the keenest-eyed Federal government employment researchers and experts around." His latest new study just released, is titled THE FEDERAL JOBS HANDBOOK: HOW TO JOB SEARCH FOR, APPLY FOR AND GET FEDERAL JOB. SUBTITLE: "America's Biggest Job Secret: How the Federal Government is Loaded with Jobs, Where they are, and How to Get Them." (http://www.GetFederalJobNow.com). A recognized national expert on self-help law and consumer cost-cutting and cost-saving techniques, Dr. Anosike holds graduate degrees in labor management economics and a Ph.D. in jurisprudence. Anosike has been assessed in one review of its work by The Booklist, the review journal of the American Library Association, as "probably the most prolific writer in America today." He is the acclaimed author of some 26 books, guidebooks and manuals (plus literally countless number of articles), including several best-sellers, on various topics of American law, consumer interests and savings.http://ezinearticles.com/ Read More ..
Black Monday, How Does it Compare to Today's Economic Crisis? From an Insider Who Lived Through It
My wife, Susie, and I were walking on the beach this weekend and the subject of "Black Monday" came up. All of a sudden I was thinking back to what had happened to cause such a precipitous drop in the stock market. Whatever it was I remember feeling good about the fact that we all went through, learned from it, recovered, and actually things were much better for an extended period of time because of it.
Looking back to Friday, October 16, 1987, the Dow Jones Industrial Average dropped just over 100 points. That is considered just a sneeze today, however, consider that the Average stood at about 2,200 at that time. A 100 plus point drop was significant enough so that everywhere we went that weekend, people were talking about it.
I remember thinking at the time, although it was a big drop - about 4.5%, when Monday morning came, things would get back on an even keel, and "the market" would begin its climb back. Well needless to say I was wrong, really wrong. It seems that not only everywhere my wife and I had been over the weekend everyone was talking about the market, everywhere everyone went, they and everyone else was also talking about "the market".
Monday morning arrived none too soon for me and all of the optimistic stock brokers. After all, the first 100 point gain on Wall Street had been in August of 1982. The first return and close back over 1,000 had come near the same time (the market had closed above 1,000 in the mid 1970's and had not closed above it again because of a prolonged recession). We, as stock brokers all knew that everything would be O.K. and "the market" would rebound.
Well of course, that didn't happen. As a matter of fact the New York Stock Exchange was open for less than an hour and WHAM! Down over 100 more points. And that was only the beginning, by the end of the day the Dow Jones Industrial Average had dropped another 500 plus points. Monday October 19, 1987, became known as "Black Monday". Think of it, people who were fully invested in the stock market lost as much as 25% of their net worth practically overnight.
Reform came on the heels of "Black Monday". The type of reforms that almost "guaranteed" that this kind of catastrophe wouldn't, or better yet, couldn't happen ever again. So what happened? What went wrong?
Back then, the stock market gradually regained its lofty closes above the 2,000 mark, although it took over six months for the economy to stabilize. The new regulations seemed to bring about more confidence in the "system" from the public's perspective, and more order in all of the financial markets. What has happened since that time until now is different.
There appears to be more greed on Wall Street for starters. Add to that the loosening of regulations, the dramatically falling value of the dollar, real estate values which plummeted over a year ago and have yet to recover, foreclosures at all time highs, a $700,000,000,000.00 bailout which was basically forced on the American public as part of a plan to clean up for the errors of corporate America's and regulator's failures and well, what do we have?
We are already in a recession regardless of what the Federal Government says. I foresee the economy falling deeper and wider into the recession. Deeper meaning more bank failures, more lost jobs, more foreclosures, more time before real estate prices begin to rise, and your purchasing power steadily declining with the reduced value of the dollar. Wider meaning that eventually this recession will be very broad in scope as far as the number of people's lives it touches.
The same two questions keep coming back to me. The first is somewhat rhetorical, and that is; haven't you seen this coming for a long time? The second is simple, given all of these conditions, what are you doing to secure your and your family's financial future?
George L. Kenney has a BA in Economics and career of twenty five years in financial services, including the past six in the mortgage industry. He is now a successful online marketing professional, with a passion for serving others and helping them realize their dreams. He will help you learn how to leverage your time, money, and technology to put you on the fast track to success. To find out more about his team and the Marketing Mentors Program Click Herehttp://EzineArticles.com Read More ..
Looking back to Friday, October 16, 1987, the Dow Jones Industrial Average dropped just over 100 points. That is considered just a sneeze today, however, consider that the Average stood at about 2,200 at that time. A 100 plus point drop was significant enough so that everywhere we went that weekend, people were talking about it.
I remember thinking at the time, although it was a big drop - about 4.5%, when Monday morning came, things would get back on an even keel, and "the market" would begin its climb back. Well needless to say I was wrong, really wrong. It seems that not only everywhere my wife and I had been over the weekend everyone was talking about the market, everywhere everyone went, they and everyone else was also talking about "the market".
Monday morning arrived none too soon for me and all of the optimistic stock brokers. After all, the first 100 point gain on Wall Street had been in August of 1982. The first return and close back over 1,000 had come near the same time (the market had closed above 1,000 in the mid 1970's and had not closed above it again because of a prolonged recession). We, as stock brokers all knew that everything would be O.K. and "the market" would rebound.
Well of course, that didn't happen. As a matter of fact the New York Stock Exchange was open for less than an hour and WHAM! Down over 100 more points. And that was only the beginning, by the end of the day the Dow Jones Industrial Average had dropped another 500 plus points. Monday October 19, 1987, became known as "Black Monday". Think of it, people who were fully invested in the stock market lost as much as 25% of their net worth practically overnight.
Reform came on the heels of "Black Monday". The type of reforms that almost "guaranteed" that this kind of catastrophe wouldn't, or better yet, couldn't happen ever again. So what happened? What went wrong?
Back then, the stock market gradually regained its lofty closes above the 2,000 mark, although it took over six months for the economy to stabilize. The new regulations seemed to bring about more confidence in the "system" from the public's perspective, and more order in all of the financial markets. What has happened since that time until now is different.
There appears to be more greed on Wall Street for starters. Add to that the loosening of regulations, the dramatically falling value of the dollar, real estate values which plummeted over a year ago and have yet to recover, foreclosures at all time highs, a $700,000,000,000.00 bailout which was basically forced on the American public as part of a plan to clean up for the errors of corporate America's and regulator's failures and well, what do we have?
We are already in a recession regardless of what the Federal Government says. I foresee the economy falling deeper and wider into the recession. Deeper meaning more bank failures, more lost jobs, more foreclosures, more time before real estate prices begin to rise, and your purchasing power steadily declining with the reduced value of the dollar. Wider meaning that eventually this recession will be very broad in scope as far as the number of people's lives it touches.
The same two questions keep coming back to me. The first is somewhat rhetorical, and that is; haven't you seen this coming for a long time? The second is simple, given all of these conditions, what are you doing to secure your and your family's financial future?
George L. Kenney has a BA in Economics and career of twenty five years in financial services, including the past six in the mortgage industry. He is now a successful online marketing professional, with a passion for serving others and helping them realize their dreams. He will help you learn how to leverage your time, money, and technology to put you on the fast track to success. To find out more about his team and the Marketing Mentors Program Click Herehttp://EzineArticles.com Read More ..
How To Find a High Paying Part-Time Job in Today's Market
Today's economic climate has forced many people to look at supplementing their income with a part-time job. The trouble is most part-time job opportunities do not pay very well. This can defeat your purpose since you might be making extra money, but if the part-time job you take pays well below what your primary job pays, you will end up working more hours for less money per hour.
The solution is obviously to find a part-time job that pays well so it is worth your effort on a part-time basis. Believe it or not, high paying part time jobs are plentiful. Perhaps not as easy to find or recognize as most ads that you will find in the classifieds or online searches, but they are out there.
Here are some suggestions on finding a high paying part-time job:
1. Stop looking at the classified ads in the newspaper or the internet. Part-time jobs that pay well are less advertised since the turnover is lower than most part-time jobs you see in the newspapers or online. You see, part-time jobs that are unpleasant have high turnover. These are jobs like telemarketing, car washing, cashier positions etc.
Instead, make a list of businesses that fit your interests, lifestyle and geographic area. Then, approach these companies directly or visit their web site for job opportunities. Many large, established companies do very little advertising and rely on their web sites to handle recruitment. Make sure your resume' is up to date.
2. Apply at larger companies or well established local companies. If economic problems continue, larger, established companies usually can handle the changes better than smaller companies. This, of course, is not always the case, but it can help your chances. Also, check well established local companies since stronger competitors in your local area have the best chance of surviving an economic downturn. The other benefit is many larger companies have opportunities for pay increases and benefits, even for part-timers.
3. Look into established industries. Retail, even in a downturn, will not go away. Certain companies may go out of business, but the need for competent sales associates to help move merchandise will always remain. The same can be said for the medical field, delivery, cleaning and maintenance as well as the food and beverage industry. There are opportunities in these areas for part-time people that pay very well.
These ideas will help you get going toward finding a high paying part-time job, even in today's tough market.
For specific high paying part-time job recommendations in the industries mentioned above visit High$Payers for more information on 5 part-time jobs almost anyone can get.http://EzineArticles.com Read More ..
The solution is obviously to find a part-time job that pays well so it is worth your effort on a part-time basis. Believe it or not, high paying part time jobs are plentiful. Perhaps not as easy to find or recognize as most ads that you will find in the classifieds or online searches, but they are out there.
Here are some suggestions on finding a high paying part-time job:
1. Stop looking at the classified ads in the newspaper or the internet. Part-time jobs that pay well are less advertised since the turnover is lower than most part-time jobs you see in the newspapers or online. You see, part-time jobs that are unpleasant have high turnover. These are jobs like telemarketing, car washing, cashier positions etc.
Instead, make a list of businesses that fit your interests, lifestyle and geographic area. Then, approach these companies directly or visit their web site for job opportunities. Many large, established companies do very little advertising and rely on their web sites to handle recruitment. Make sure your resume' is up to date.
2. Apply at larger companies or well established local companies. If economic problems continue, larger, established companies usually can handle the changes better than smaller companies. This, of course, is not always the case, but it can help your chances. Also, check well established local companies since stronger competitors in your local area have the best chance of surviving an economic downturn. The other benefit is many larger companies have opportunities for pay increases and benefits, even for part-timers.
3. Look into established industries. Retail, even in a downturn, will not go away. Certain companies may go out of business, but the need for competent sales associates to help move merchandise will always remain. The same can be said for the medical field, delivery, cleaning and maintenance as well as the food and beverage industry. There are opportunities in these areas for part-time people that pay very well.
These ideas will help you get going toward finding a high paying part-time job, even in today's tough market.
For specific high paying part-time job recommendations in the industries mentioned above visit High$Payers for more information on 5 part-time jobs almost anyone can get.http://EzineArticles.com Read More ..
Why Today is the Best Time to Invest in Land
There are many people that have been talking about the real estate bubble collapsing within the United States and there are many people that have also been talking about the ensuing global credit crunch that has come about as a result of a similar thing taking place on a national level within the United States. Both of these things are quite true in terms of events that have happened, but rather than making you turn away from investing in land, what they should really be doing is making you look forward to investing in land. The best time to invest in land is most definitely today and there are many reasons as to why this is so.
Supply and Demand
There are many things that power the economic systems of today, but in any relatively free market (and this is what most of the developed world can be considered) the mechanism that still drives prices more than anything else is what is known as supply and demand. Quite simply, supply is a term referring to the amount of a particular commodity that is available and demand refers to the amount of entities that want to acquire that particular commodity. In free market systems, when the supply is greater than the demand the price goes down (known as a buyer's market) and when the demand is greater than the supply the price goes up (known as a seller's market).
Just before the real estate crash within the United States, there were many people looking to purchase property and not that many properties available. This created a seller's market within the country and one that accelerated to such a high pace that it ended up being unsustainable and collapsed in on itself. Nowadays within the United States and elsewhere around the world, there are far more properties to go around than people that want to buy them and that ultimately means that land as a commodity today is a buyer's market. This is the main reason that the best time to invest in land is today. You can purchase it while it is cheap and then keep it when the price rises, selling it later on and acquiring a large amount of money in the process.
Results
Supply and demand is the basis for most of the world's economic systems and that is exactly why you should invest in land when the demand is low and the supply is high, because that will eventually change.
If you want proof of this, all you have to do is look within the United States and the United Kingdom. Both of those countries have had massive real estate meltdowns in recent times that have caused land prices to plummet, but there were companies in both countries that were prepared for this. These were companies that liquidated some of their holdings a year ago in order to have those funds ready to pounce and when the buyer's market hit they gobbled up property extremely quickly. The end result is that they now own a lot of land and when the price of land goes up (as it most definitely will at some point in the future), these companies stand to make a lot of money indeed.
This could be you.http://EzineArticles.com Read More ..
Supply and Demand
There are many things that power the economic systems of today, but in any relatively free market (and this is what most of the developed world can be considered) the mechanism that still drives prices more than anything else is what is known as supply and demand. Quite simply, supply is a term referring to the amount of a particular commodity that is available and demand refers to the amount of entities that want to acquire that particular commodity. In free market systems, when the supply is greater than the demand the price goes down (known as a buyer's market) and when the demand is greater than the supply the price goes up (known as a seller's market).
Just before the real estate crash within the United States, there were many people looking to purchase property and not that many properties available. This created a seller's market within the country and one that accelerated to such a high pace that it ended up being unsustainable and collapsed in on itself. Nowadays within the United States and elsewhere around the world, there are far more properties to go around than people that want to buy them and that ultimately means that land as a commodity today is a buyer's market. This is the main reason that the best time to invest in land is today. You can purchase it while it is cheap and then keep it when the price rises, selling it later on and acquiring a large amount of money in the process.
Results
Supply and demand is the basis for most of the world's economic systems and that is exactly why you should invest in land when the demand is low and the supply is high, because that will eventually change.
If you want proof of this, all you have to do is look within the United States and the United Kingdom. Both of those countries have had massive real estate meltdowns in recent times that have caused land prices to plummet, but there were companies in both countries that were prepared for this. These were companies that liquidated some of their holdings a year ago in order to have those funds ready to pounce and when the buyer's market hit they gobbled up property extremely quickly. The end result is that they now own a lot of land and when the price of land goes up (as it most definitely will at some point in the future), these companies stand to make a lot of money indeed.
This could be you.http://EzineArticles.com Read More ..
Bad Economics on TV: Trump and Kiyosaki on NBC's Today
Recently I was watching the Today Show on NBC and there was an interview that included one of my favorite authors, Robert Kiyosaki (author of Rich Dad Poor Dad) and Donald Trump (the man who needs no introduction).
The thing that caught my attention were remarks by host Meredith Vieira who asked about the title of a new book Trump and Kiyosaki had written, Why We Want You to Be Rich. Remarkably, Vieira said "why would you gentlemen want others to get rich, that means less money for you." Trump responded jokingly, "everyone is getting my money" or something of that effect; both responded to her statement by saying that the middle class is quickly disappearing which will have a horrible affect on a Democratic country such as the US. Meanwhile, they let her horribly fallacious statement stay out there, that some how, wealth is a finite resource and that people only get more money by taking money from others. This "win-lose" philosophy (in contrast to "win-win") is exactly the reason why many people don't even attempt to be successful. How are they going to compete against a Trump?
Wealth is not limited, there is plenty to go around. There are more people with more wealth in this country than in any time in US history. The ability to become a successful entrepreneur is greater now than ever as well. The US has a monetary policy that fosters the growth of the money supply and its spreading to others based on production, because production gives it value. If the economy is growing, the money supply can grow and the value of money is largely maintained. That growing money supply goes to the new wealthy, without taking a penny from those who have had money long before.
This failure to properly teach economic concepts is one of the primary reason we have problems with people climbing the ladder of success. People are often afraid to get on because many actually believe that the only way one can win is if others lose. That is too bad, because in the United States there is plenty of room for success for everyone.http://EzineArticles.com/ Read More ..
The thing that caught my attention were remarks by host Meredith Vieira who asked about the title of a new book Trump and Kiyosaki had written, Why We Want You to Be Rich. Remarkably, Vieira said "why would you gentlemen want others to get rich, that means less money for you." Trump responded jokingly, "everyone is getting my money" or something of that effect; both responded to her statement by saying that the middle class is quickly disappearing which will have a horrible affect on a Democratic country such as the US. Meanwhile, they let her horribly fallacious statement stay out there, that some how, wealth is a finite resource and that people only get more money by taking money from others. This "win-lose" philosophy (in contrast to "win-win") is exactly the reason why many people don't even attempt to be successful. How are they going to compete against a Trump?
Wealth is not limited, there is plenty to go around. There are more people with more wealth in this country than in any time in US history. The ability to become a successful entrepreneur is greater now than ever as well. The US has a monetary policy that fosters the growth of the money supply and its spreading to others based on production, because production gives it value. If the economy is growing, the money supply can grow and the value of money is largely maintained. That growing money supply goes to the new wealthy, without taking a penny from those who have had money long before.
This failure to properly teach economic concepts is one of the primary reason we have problems with people climbing the ladder of success. People are often afraid to get on because many actually believe that the only way one can win is if others lose. That is too bad, because in the United States there is plenty of room for success for everyone.http://EzineArticles.com/ Read More ..
Best Ways to Lose Weight Starting Today
The number of overweight people today is increasing at a very rapid pace. If you're one of those people, you're probably always looking for the best ways to lose weight safely and effectively. With so many products readily available how will you know which one is right for you?
The best ways to lose weight aren't just about getting fit, they're about how you look and feel on the inside.
Today being overweight has been directly linked to the toxins which enter our bodies, stress, genetics, and improper diet. Essentially we all eat way too much and we eat the wrong types of foods. Additionally, if you're overweight it's going to limit your ability to do everyday things. The only solution in such a scenario is to get in shape and lose weight.
Diet is usually where everything starts. While it's definitely one of the best ways to lose weight, you will find it's also one of the hardest to follow through with. It's too easy to just grab something quick when we're in a rush. Not to mention a proper weight loss diet usually consists of whole grains, dairy products that are low fat, lots of fruits and veggies along with 8-10 glasses of water per day. That's precisely why it's so difficult for most people to follow through.
Exercise is also one of the best ways to lose weight. Although effective, again people find it very difficult to follow through.
#1 - An exercise plan usually requires a gym membership or equipment
#2 - You don't have enough time in your day to actually work out
#3 - You could hire a personal trainer but it's too expensive
#4 - You haven't worked out in years and just aren't interested in doing so
As you can see there is some type of cost, whether it's time or money, to actually be able to follow through with an exercise plan. In today's economic crisis this isn't very feasible.
The only other option you have is to use some type of weight loss supplement. Most supplements will allow you to lose weight safely and effectively without changing your diet or exercising. The great ones will even give you some type of guarantee ensuring you will see results which can prove to be one of the best ways to lose weight.
If you choose to use a weight loss supplement be sure you do your own research and homework about the product before you actually start using it. Stay focused on all natural or organic based supplements if possible. Don't be tempted by the latest and greatest "FAD" or weight loss pill, those usually don't work and you end up wasting your money. Be sure you ask about a guarantee, if the product you purchase doesn't offer you a money back guarantee I would stay away.
The best ways to lose weight include a steady and balanced combination of all the above. While it won't happen overnight, you will certainly notice results within 7-10 days. Be sure to stay consistent with your efforts. It's not going to be an easy road to travel but will certainly give you the opportunity to improve your lifestyle.
For additional information on the best ways to lose weight feel free to contact Eric Wilkes by visiting his website at http://www.fixmylousyweight.com or emailing him directly at eric[at]fixmylousyweight.com
Eric Wilkes is an expert in health industry. For more than 8 years he has helped thousands of individuals reach their weight loss and fitness goals. You can request a copy of his FREE weight loss report online at http://www.fixmylousyweight.com to learn more about how to safely and effectively lose weight.http://EzineArticles.com/ Read More ..
The best ways to lose weight aren't just about getting fit, they're about how you look and feel on the inside.
Today being overweight has been directly linked to the toxins which enter our bodies, stress, genetics, and improper diet. Essentially we all eat way too much and we eat the wrong types of foods. Additionally, if you're overweight it's going to limit your ability to do everyday things. The only solution in such a scenario is to get in shape and lose weight.
Diet is usually where everything starts. While it's definitely one of the best ways to lose weight, you will find it's also one of the hardest to follow through with. It's too easy to just grab something quick when we're in a rush. Not to mention a proper weight loss diet usually consists of whole grains, dairy products that are low fat, lots of fruits and veggies along with 8-10 glasses of water per day. That's precisely why it's so difficult for most people to follow through.
Exercise is also one of the best ways to lose weight. Although effective, again people find it very difficult to follow through.
#1 - An exercise plan usually requires a gym membership or equipment
#2 - You don't have enough time in your day to actually work out
#3 - You could hire a personal trainer but it's too expensive
#4 - You haven't worked out in years and just aren't interested in doing so
As you can see there is some type of cost, whether it's time or money, to actually be able to follow through with an exercise plan. In today's economic crisis this isn't very feasible.
The only other option you have is to use some type of weight loss supplement. Most supplements will allow you to lose weight safely and effectively without changing your diet or exercising. The great ones will even give you some type of guarantee ensuring you will see results which can prove to be one of the best ways to lose weight.
If you choose to use a weight loss supplement be sure you do your own research and homework about the product before you actually start using it. Stay focused on all natural or organic based supplements if possible. Don't be tempted by the latest and greatest "FAD" or weight loss pill, those usually don't work and you end up wasting your money. Be sure you ask about a guarantee, if the product you purchase doesn't offer you a money back guarantee I would stay away.
The best ways to lose weight include a steady and balanced combination of all the above. While it won't happen overnight, you will certainly notice results within 7-10 days. Be sure to stay consistent with your efforts. It's not going to be an easy road to travel but will certainly give you the opportunity to improve your lifestyle.
For additional information on the best ways to lose weight feel free to contact Eric Wilkes by visiting his website at http://www.fixmylousyweight.com or emailing him directly at eric[at]fixmylousyweight.com
Eric Wilkes is an expert in health industry. For more than 8 years he has helped thousands of individuals reach their weight loss and fitness goals. You can request a copy of his FREE weight loss report online at http://www.fixmylousyweight.com to learn more about how to safely and effectively lose weight.http://EzineArticles.com/ Read More ..
Economic Analysis For the Layman
We've all seen the elaborate television segments which pummel us with data and figures surrounding the American economy. Almost as a reminder that this well oil machine is too vast to comprehend. Yet even with its machine-like characteristics, we tend to envision a living entity which can experience emotions like depression, aggression, or fear. With this in mind, how could anyone ever make anything more than a 'guess' towards our economic future? Today you're going to get the answer to that question.
Pages and pages of data will not give you any insight if you don't understand what you're reading. And by understand, you must have at least some knowledge of how popular economic indicators are measured and what they really mean. Today we're going to briefly cover a very important economic indicator, GDP.
Gross Domestic Product, what is it?
The Gross Domestic Product is an estimated measurement of economic activity within the physical borders of the United States over one calendar year. The exact math behind this is very complicated, but quite basically we add all money spent on consumer items, all money invested, and government expenditures. This measurement usually appears in the form of a dollar amount, like 13.5trillion dollars. That means, during that year 13.5 trillion dollars of goods, services, investments, and technological advancements took place. Everything from milking cows to building spacecraft is counted in the GDP.
When the GDP goes up, we assume we built more things (like dairy farms or cars). When the GDP goes down we assume we built fewer things. Gross Domestic Product, how to use it: First, a single GDP figure is hardly useful unless you're writing a book report. For example, a doctor cannot diagnose an illness knowing only the patients temperature. The doctor must also know the patients age, sex, weight, height, past illnesses, etc. The economist, too, uses many different indicators; and GDP is usually compared to other indicators before an analysis can be completed. Today, we are going to compare GDP figures from two years: 2006 and 2007
GDP 2006: 11.3 trillion
GDP 2007: 11.5 trillion
We immediately see that our GDP increased by 200 billion in 2007. We naturally assume that we built 200B worth of new goods which are now circulating in the market, making everyone's life a little better. This new 200B worth of goods and services will give people jobs and hopefully sprout even more growth. Long story short, when our GDP increases we usually see this as a positive indicator. However, there are instances in an economy when its GDP may increase while the economy is actually having serious problems. This is to say, a rising GDP is not always indicative of a thriving economy.
In part 2 of this series we'll cover inflation and the consumer index. Our most basic economic analysis at the end of this series will consist of GDP, consumer index, unemployment, and taxation. After learning these indicators, you will be able to conduct your own basic economic analysis with confidence.http://EzineArticles.com/ Read More ..
Pages and pages of data will not give you any insight if you don't understand what you're reading. And by understand, you must have at least some knowledge of how popular economic indicators are measured and what they really mean. Today we're going to briefly cover a very important economic indicator, GDP.
Gross Domestic Product, what is it?
The Gross Domestic Product is an estimated measurement of economic activity within the physical borders of the United States over one calendar year. The exact math behind this is very complicated, but quite basically we add all money spent on consumer items, all money invested, and government expenditures. This measurement usually appears in the form of a dollar amount, like 13.5trillion dollars. That means, during that year 13.5 trillion dollars of goods, services, investments, and technological advancements took place. Everything from milking cows to building spacecraft is counted in the GDP.
When the GDP goes up, we assume we built more things (like dairy farms or cars). When the GDP goes down we assume we built fewer things. Gross Domestic Product, how to use it: First, a single GDP figure is hardly useful unless you're writing a book report. For example, a doctor cannot diagnose an illness knowing only the patients temperature. The doctor must also know the patients age, sex, weight, height, past illnesses, etc. The economist, too, uses many different indicators; and GDP is usually compared to other indicators before an analysis can be completed. Today, we are going to compare GDP figures from two years: 2006 and 2007
GDP 2006: 11.3 trillion
GDP 2007: 11.5 trillion
We immediately see that our GDP increased by 200 billion in 2007. We naturally assume that we built 200B worth of new goods which are now circulating in the market, making everyone's life a little better. This new 200B worth of goods and services will give people jobs and hopefully sprout even more growth. Long story short, when our GDP increases we usually see this as a positive indicator. However, there are instances in an economy when its GDP may increase while the economy is actually having serious problems. This is to say, a rising GDP is not always indicative of a thriving economy.
In part 2 of this series we'll cover inflation and the consumer index. Our most basic economic analysis at the end of this series will consist of GDP, consumer index, unemployment, and taxation. After learning these indicators, you will be able to conduct your own basic economic analysis with confidence.http://EzineArticles.com/ Read More ..
How Many Economic Downturns Have You Survived?
s the day of reckoning just around the corner for many technology firms? Is your business going survive 2009? Experts are predicting 2009 is going to be a very rough year in the technology marketplace. The federal government has stepped up to bail out a number of industries throughout the country and many banks are simply running out of cash to help out struggling businesses.
What are your plans to survive through 2009? Many business owners and our clients are currently planning their strategy to ensure their business simply survives the next twelve months. There are still many great opportunities available to IT companies who have the vision to see the future, who can take advantage of and position themselves to make some profit even in a down economy.
In a recent survey of a number of information technology firms from across North America many have stated that they will have to change the way they do things and simply stop performing services that are not profitable moreover get back to simple methods of delivering their service offerings. IT firms are also turning to new technologies, products and solutions to separate themselves from the noise that is out there and can provide their clients with a competitive advantage, increase productivity and save money.
Over the next twelve months the following solutions, services and product offerings will assist your clients and help you survive throughout 2009.
The first major item is may smaller firms will be turning to hosted service offerings ranging from free online offerings such as Google Apps, Microsoft Office Live Small Business and other hosted solutions that many technology firms will offer to their clients. With an economic downturn in full swing, smaller companies will adapt to a lower monthly fee for service over a large capital investment in their own server technologies. Many leading companies have now began or have strategies in place to deliver their offerings in the cloud. Small Business, IT firms must understand how the cloud will affect the offerings that they bring to their clients and embrace cloud computing.
For those companies that have existing IT infrastructure in place today will Small Business turn to managing their assets and an IT business partner who can assist with Asset Management will bring small business additional value. Why is asset management important for the SMB space? The answer is quite simple, when the economy is strong, many firms simply invest in technology without accounting for what they have, according to Delisa Reavis from Washington's Express Metrix "small businesses are going to have to run a tight operation in 2009, leaving no room for error and excess spending." IT Asset Management (ITAM) will becoming a unique value offering that many leading IT firms can offer to their clients. Many businesses can save thousands of dollars leveraging asset management solutions.
In past economic downturns traditionally what has occurred is many firms begin to cut solutions that the management team deems to be "not required". These cuts include internal human capital as business turns to outsourcing providers over having salaried positions and the expenses that accompany these internal positions. IT firms must be ready to aggressively go after these opportunities, having the right managed services strategy and people on your team will provide your computer consulting firm with a competitive advantage. Other solutions that have a tendency to be cut include expenditures that management may appear to have no value, these may include backup and disaster recovery solutions, emergency preparedness and other technologies that do not have a daily affect on operations. Technology partners must be ready to offer these important and critical solution offerings as part of their overall solutions. When the need comes to implement safety type solutions, their clients continue to operate without any major interruptions. Many small business don't know these items are important until they need to call on them, it is important to be prepared.
For the first time in our survey many SMB IT firms will also have discussions on general business and the health of their business overall. Consulting firms that understand how their clients go to market, how the Internet affects their business combined with how their customers find them will provide your business with a huge advantage in the marketplace. IT firms are now asking their clients if they are satisfied with their positioning in the search engine rankings and marketing, sales, operations, administration and finance are functioning and how technology can assist in making everything better? Other challenges related to how email is used and how secure company information in motion between employees, partners and vendors are now entering into the general business discussions.
On the topic of marketing and gain new business during this economic downturn, how are today's small business leveraging web strategies in the Web 2.0 world? How does having a web strategy help business in a downturn economy? Many small businesses are not leveraging web strategies effectively to take their business to market and many savvy technology professionals are now sitting down with their clients and having conversations around blogging, mash-ups, social media, podcasting, Internet delivered video and other web solutions to promote their businesses and win in their marketplace. "Unfortunately, many of the IT organizations in small businesses, whether they are in-house or contracted, are woefully out-of-date with Web 2.0 and its technologies. Instead of leading companies to premier positions in their industries, the dated capabilities of IT organizations hold companies back eventually forcing those companies to play catch up to competitors' states Dave Burckhard from National Podcasting System.
One of the final areas that will be a major concern for small business owners will be information security. With a higher number of layoffs both at our clients and perhaps in our own firms, ensuring that clients information is secure will be a major concern. As IT Professionals we must guarantee to our clients that their information is secure when our staff leaves or when they have a round of layoffs. Having a system that offers secure remote access and allows technology firms to easily add and delete users when needed is very important. Combine this will locking down remote access to those that require it and monitoring who and when people access corporate resource will prove to a valuable security offering.
The underlying skill that will be needed is to be the Trusted Business Advisor understanding how technology affects business. Small Business today is leveraging technology more today than in past economic downturns. Traditionally in the past, businesses have leaned on technology more during economic turmoil and this trend will continue throughout 2009. Can your firm speak the business talk with your clients? This will be a skill that will be in high demand, firms that can understand the business impact technology plays will weather this storm and be here when the economy starts to stabilize./EzineArticles.com Read More ..
What are your plans to survive through 2009? Many business owners and our clients are currently planning their strategy to ensure their business simply survives the next twelve months. There are still many great opportunities available to IT companies who have the vision to see the future, who can take advantage of and position themselves to make some profit even in a down economy.
In a recent survey of a number of information technology firms from across North America many have stated that they will have to change the way they do things and simply stop performing services that are not profitable moreover get back to simple methods of delivering their service offerings. IT firms are also turning to new technologies, products and solutions to separate themselves from the noise that is out there and can provide their clients with a competitive advantage, increase productivity and save money.
Over the next twelve months the following solutions, services and product offerings will assist your clients and help you survive throughout 2009.
The first major item is may smaller firms will be turning to hosted service offerings ranging from free online offerings such as Google Apps, Microsoft Office Live Small Business and other hosted solutions that many technology firms will offer to their clients. With an economic downturn in full swing, smaller companies will adapt to a lower monthly fee for service over a large capital investment in their own server technologies. Many leading companies have now began or have strategies in place to deliver their offerings in the cloud. Small Business, IT firms must understand how the cloud will affect the offerings that they bring to their clients and embrace cloud computing.
For those companies that have existing IT infrastructure in place today will Small Business turn to managing their assets and an IT business partner who can assist with Asset Management will bring small business additional value. Why is asset management important for the SMB space? The answer is quite simple, when the economy is strong, many firms simply invest in technology without accounting for what they have, according to Delisa Reavis from Washington's Express Metrix "small businesses are going to have to run a tight operation in 2009, leaving no room for error and excess spending." IT Asset Management (ITAM) will becoming a unique value offering that many leading IT firms can offer to their clients. Many businesses can save thousands of dollars leveraging asset management solutions.
In past economic downturns traditionally what has occurred is many firms begin to cut solutions that the management team deems to be "not required". These cuts include internal human capital as business turns to outsourcing providers over having salaried positions and the expenses that accompany these internal positions. IT firms must be ready to aggressively go after these opportunities, having the right managed services strategy and people on your team will provide your computer consulting firm with a competitive advantage. Other solutions that have a tendency to be cut include expenditures that management may appear to have no value, these may include backup and disaster recovery solutions, emergency preparedness and other technologies that do not have a daily affect on operations. Technology partners must be ready to offer these important and critical solution offerings as part of their overall solutions. When the need comes to implement safety type solutions, their clients continue to operate without any major interruptions. Many small business don't know these items are important until they need to call on them, it is important to be prepared.
For the first time in our survey many SMB IT firms will also have discussions on general business and the health of their business overall. Consulting firms that understand how their clients go to market, how the Internet affects their business combined with how their customers find them will provide your business with a huge advantage in the marketplace. IT firms are now asking their clients if they are satisfied with their positioning in the search engine rankings and marketing, sales, operations, administration and finance are functioning and how technology can assist in making everything better? Other challenges related to how email is used and how secure company information in motion between employees, partners and vendors are now entering into the general business discussions.
On the topic of marketing and gain new business during this economic downturn, how are today's small business leveraging web strategies in the Web 2.0 world? How does having a web strategy help business in a downturn economy? Many small businesses are not leveraging web strategies effectively to take their business to market and many savvy technology professionals are now sitting down with their clients and having conversations around blogging, mash-ups, social media, podcasting, Internet delivered video and other web solutions to promote their businesses and win in their marketplace. "Unfortunately, many of the IT organizations in small businesses, whether they are in-house or contracted, are woefully out-of-date with Web 2.0 and its technologies. Instead of leading companies to premier positions in their industries, the dated capabilities of IT organizations hold companies back eventually forcing those companies to play catch up to competitors' states Dave Burckhard from National Podcasting System.
One of the final areas that will be a major concern for small business owners will be information security. With a higher number of layoffs both at our clients and perhaps in our own firms, ensuring that clients information is secure will be a major concern. As IT Professionals we must guarantee to our clients that their information is secure when our staff leaves or when they have a round of layoffs. Having a system that offers secure remote access and allows technology firms to easily add and delete users when needed is very important. Combine this will locking down remote access to those that require it and monitoring who and when people access corporate resource will prove to a valuable security offering.
The underlying skill that will be needed is to be the Trusted Business Advisor understanding how technology affects business. Small Business today is leveraging technology more today than in past economic downturns. Traditionally in the past, businesses have leaned on technology more during economic turmoil and this trend will continue throughout 2009. Can your firm speak the business talk with your clients? This will be a skill that will be in high demand, firms that can understand the business impact technology plays will weather this storm and be here when the economy starts to stabilize./EzineArticles.com Read More ..
Enron, Kenneth Lay, Jeffrey Skilling, Andrew Fastow - How Do They Compare to Today's Economic Crisis
I remember it very clearly, it was the holiday season in 2001. The country was still in shock over the terrorist attacks on 09 - 11 - 01, and now this was happening. Enron Corporation, one of the world's most dominant "energy traders", was filing for bankruptcy. And this was just the beginning of a horrendous story.
Kenneth Lay, the Chairman of the Board, Jeffrey Skilling, the Chief Operating Officer, and Andrew Fastow, the Chief Financial Officer, all pointed fingers at one another. The three, as well as many other players, were subsequently convicted of sometimes multiple counts of fraud. Kenneth Lay died before his sentencing, the others were all sentenced to lengthy prison terms.
What a terrible tragedy to witness. No, I'm not talking about the higher ups and what happened to them. I'm talking about the night I saw an interview with a couple who had worked for and retired from Enron. All of their retirement was in Enron "securities" - somewhat of a misnomer considering what happened - and it was gone. Well, not completely gone, but the more than $600,000.00 in combined retirement plans was now worth less than $3,500.00 and they were in their mid 60's. What were they supposed to do?
The other event that left a lasting impression was what happened the following summer. In June of 2002, it was revealed that Enron had paid out more than $744,000,000.00 in cash and stock to its top executives during the year leading up to the bankruptcy filing. Do these kind of things sound familiar to you?
On this morning's news it was announced that an AIG executive received $15,000,000.00 shortly before the company had to be bailed out - an $85,000,000,000.00 check that the taxpayers are writing in order to keep the insurance giant from going under. And the sad thing is, we may only be seeing the beginning.
A few things to learn from past and current events. Don't depend on anyone other than yourself to take care of YOU. There is no certainty in how long social security will be around and it was never intended to be the sole income in retirement anyway. Retirement plans, collectively, have lost a staggering $23,000,000,000,000.00 in value in the past month.
That leaves us with one thought in closing. What are you doing to secure your and your family's financial future?
George L. Kenney has a BA in Economics and career of twenty five years in financial markets, including the past six in the mortgage industry. He is now a successful online marketing professional, with a passion for serving others and helping them realize their dreams. He will help you learn how to leverage your time, money, and technology to put you on the fast track to success. To find out more about his team and the Marketing Mentors Program Click Here/EzineArticles.com Read More ..
Kenneth Lay, the Chairman of the Board, Jeffrey Skilling, the Chief Operating Officer, and Andrew Fastow, the Chief Financial Officer, all pointed fingers at one another. The three, as well as many other players, were subsequently convicted of sometimes multiple counts of fraud. Kenneth Lay died before his sentencing, the others were all sentenced to lengthy prison terms.
What a terrible tragedy to witness. No, I'm not talking about the higher ups and what happened to them. I'm talking about the night I saw an interview with a couple who had worked for and retired from Enron. All of their retirement was in Enron "securities" - somewhat of a misnomer considering what happened - and it was gone. Well, not completely gone, but the more than $600,000.00 in combined retirement plans was now worth less than $3,500.00 and they were in their mid 60's. What were they supposed to do?
The other event that left a lasting impression was what happened the following summer. In June of 2002, it was revealed that Enron had paid out more than $744,000,000.00 in cash and stock to its top executives during the year leading up to the bankruptcy filing. Do these kind of things sound familiar to you?
On this morning's news it was announced that an AIG executive received $15,000,000.00 shortly before the company had to be bailed out - an $85,000,000,000.00 check that the taxpayers are writing in order to keep the insurance giant from going under. And the sad thing is, we may only be seeing the beginning.
A few things to learn from past and current events. Don't depend on anyone other than yourself to take care of YOU. There is no certainty in how long social security will be around and it was never intended to be the sole income in retirement anyway. Retirement plans, collectively, have lost a staggering $23,000,000,000,000.00 in value in the past month.
That leaves us with one thought in closing. What are you doing to secure your and your family's financial future?
George L. Kenney has a BA in Economics and career of twenty five years in financial markets, including the past six in the mortgage industry. He is now a successful online marketing professional, with a passion for serving others and helping them realize their dreams. He will help you learn how to leverage your time, money, and technology to put you on the fast track to success. To find out more about his team and the Marketing Mentors Program Click Here/EzineArticles.com Read More ..
Business Growth Is Still Possible Even In Today's Economic Situation If Only You Know How
With many of us affected by the current economic situation around the globe its may be hard to contemplate business growth but standing still is not an option for any business during these more challenging times. Customers become even more discerning when they are watching the pennies. Expecting quality products and services at value for money prices from companies they can trust and who look after them.
When watching the pennies we hardly want to buy from mediocre when the best is offering us a good deal. More and more of us in business are trying to compete on price but already that's not enough. Customers are asking questions " I can get a great deal on several mobile phone networks, but which one of them will offer me the best service in terms of coverage, customer care, usability and flexibility". Customers don't want to be tied into 18 month contracts when they don't know what will happen next month.
Companies have several options in the coming months and years to bury their heads in the sand and hope the whole thing blows over before their business goes down the drain or grasp the business they have and make it be the most successful in the sector. Ensuring they offer the customer what they want when and how they want it while watching their back office management will make growth possible for any business in these tough times.
Being the most successful means you must look at your products, customer satisfaction and overall business and financial management as one whole package. They are all part of the success or failure of your business yet many of us split it up and give it to different people or teams to deal with. These teams often are so far removed from the customer they forget the reason they are in business.
Many of the businesses I work with simply forget the customer when they are worried about their future. They cut back on areas they see as non profitable or non income generators. Rolling out the same old products because they have cut back on research and development time or reducing the customer service team leaving the customer hanging on for a response to their issues. These and many other areas are regularly cut back by companies who forget the affect on the customer and the 'Customer is King'.
Remember when times are hard companies may decide to scrimp and save but once this effects the service provided to customers their commitment to buy from you will waver. Good deals alone won't always keep them coming back. Good customer service, quality services and reputation go hand in hand with business success, being hungry for success isn't enough you need to remember who and what will bring you that success.
Start by consolidating; consider what you have now, look at ways in which you can offer the customer what they want, remove wastage but only if it doesn't affect the service and products your customers buy. Make the customer the key reason for all your business decisions.
Ask your customers what they want and listen to them. Grow your business by speaking to customers and providing them with the solutions they really want and ensure they keep coming back for more. Educate your staff to understand that the customer is the reason for your business not the other way around. All business is reliant on customers and loosing sight of this fact will often loose you your business.
And growing ... well developing your customer base and consolidating your companies practices will undoubtedly lead to business growth. If you truly believe in your products so will your staff and customers and coupled with a slick company with minimal wastage you too can watch your company grow while others pretend its not even happening.
This article was written by Rebecca Jones and may be reproduced in your own Newsletter, Web Site or Magazine you can as long as you include the following:
Rebecca Jones publishes her monthly newsletter for female business owners wishing to make their business work for them, gain success and be more content in their work..http://EzineArticles.com Read More ..
When watching the pennies we hardly want to buy from mediocre when the best is offering us a good deal. More and more of us in business are trying to compete on price but already that's not enough. Customers are asking questions " I can get a great deal on several mobile phone networks, but which one of them will offer me the best service in terms of coverage, customer care, usability and flexibility". Customers don't want to be tied into 18 month contracts when they don't know what will happen next month.
Companies have several options in the coming months and years to bury their heads in the sand and hope the whole thing blows over before their business goes down the drain or grasp the business they have and make it be the most successful in the sector. Ensuring they offer the customer what they want when and how they want it while watching their back office management will make growth possible for any business in these tough times.
Being the most successful means you must look at your products, customer satisfaction and overall business and financial management as one whole package. They are all part of the success or failure of your business yet many of us split it up and give it to different people or teams to deal with. These teams often are so far removed from the customer they forget the reason they are in business.
Many of the businesses I work with simply forget the customer when they are worried about their future. They cut back on areas they see as non profitable or non income generators. Rolling out the same old products because they have cut back on research and development time or reducing the customer service team leaving the customer hanging on for a response to their issues. These and many other areas are regularly cut back by companies who forget the affect on the customer and the 'Customer is King'.
Remember when times are hard companies may decide to scrimp and save but once this effects the service provided to customers their commitment to buy from you will waver. Good deals alone won't always keep them coming back. Good customer service, quality services and reputation go hand in hand with business success, being hungry for success isn't enough you need to remember who and what will bring you that success.
Start by consolidating; consider what you have now, look at ways in which you can offer the customer what they want, remove wastage but only if it doesn't affect the service and products your customers buy. Make the customer the key reason for all your business decisions.
Ask your customers what they want and listen to them. Grow your business by speaking to customers and providing them with the solutions they really want and ensure they keep coming back for more. Educate your staff to understand that the customer is the reason for your business not the other way around. All business is reliant on customers and loosing sight of this fact will often loose you your business.
And growing ... well developing your customer base and consolidating your companies practices will undoubtedly lead to business growth. If you truly believe in your products so will your staff and customers and coupled with a slick company with minimal wastage you too can watch your company grow while others pretend its not even happening.
This article was written by Rebecca Jones and may be reproduced in your own Newsletter, Web Site or Magazine you can as long as you include the following:
Rebecca Jones publishes her monthly newsletter for female business owners wishing to make their business work for them, gain success and be more content in their work..http://EzineArticles.com Read More ..
Getting Cheap Moving Trucks - Today's Economic Market
With the financial market all over the headlines these days, it's easy to see why saving money on relocation is such a big deal. Thousands of mortgages are going bad, and those who once were able to pay these mortgages are finding themselves in debt and in need of a move. These two things simply do not fit together well, and even though some people might just be moving down the street, the need for cheap moving trucks is on the rise. Finding these trucks is not impossible, and if you get the right deal, your move can fall into your small moving budget. Here are some tips for finding the right truck for your move in the modern financial market.
Go Online
The internet has given the world a marketplace in which to place various businesses into a competition for business. When so many different companies are falling under, this is quite prevalent. Many companies are willing to give special online discounts in order to provide cheap moving trucks to consumers that need to move. Printable coupons that are offered by some companies can be used if you prefer face to face interactions. Either way, there are deals to be found online. In the Yellow Pages
Many other companies have offered discounts via ads placed in the local phone book. Some of these discounts might come in the form of coupons in the book, or in the form of an ad in the moving and relocation sections. Sometimes, if you call certain companies, you might also find that you can haggle a price with the representative on the other end of the line. You can actually net a better deal by doing this, though it is a bit harder than simply going online for your truck renting needs.
Using Your Employment
Certain moving companies have joined with local employers to offer special rates and cheap relocation trucks to those who work for the given company. Other employers offer relocation funds available to employees who are moving closer to their job. These are both very good methods to use when you are looking for a cheap moving truck. In fact, this is probably the best way to get that perfect truck when you need to move as soon as possible.
No matter why you find yourself moving in the modern market, cheap moving trucks will be vital to making it within your moving budget. While there are plenty of methods to choose from, truck rentals seem to be the cheapest, so finding a deal on this method will net you with the cheapest move possible.http://EzineArticles.com Read More ..
Go Online
The internet has given the world a marketplace in which to place various businesses into a competition for business. When so many different companies are falling under, this is quite prevalent. Many companies are willing to give special online discounts in order to provide cheap moving trucks to consumers that need to move. Printable coupons that are offered by some companies can be used if you prefer face to face interactions. Either way, there are deals to be found online. In the Yellow Pages
Many other companies have offered discounts via ads placed in the local phone book. Some of these discounts might come in the form of coupons in the book, or in the form of an ad in the moving and relocation sections. Sometimes, if you call certain companies, you might also find that you can haggle a price with the representative on the other end of the line. You can actually net a better deal by doing this, though it is a bit harder than simply going online for your truck renting needs.
Using Your Employment
Certain moving companies have joined with local employers to offer special rates and cheap relocation trucks to those who work for the given company. Other employers offer relocation funds available to employees who are moving closer to their job. These are both very good methods to use when you are looking for a cheap moving truck. In fact, this is probably the best way to get that perfect truck when you need to move as soon as possible.
No matter why you find yourself moving in the modern market, cheap moving trucks will be vital to making it within your moving budget. While there are plenty of methods to choose from, truck rentals seem to be the cheapest, so finding a deal on this method will net you with the cheapest move possible.http://EzineArticles.com Read More ..
The manifestation of how significant a talented CFO can be for an organization became crystal clear to me when I experienced the CFO Conference this week here in Las Vegas. An amazing event sponsored by CFO.com and CFO Conferences; the conference provided a sobering backdrop to our current financial, social and economic environment.
I was a sponge, listening carefully, taking notes and searching through the information for those moments of wisdom and opportunities for a better tomorrow. I found a bright light in the significantly deep level of talent in the room. From the former Comptroller of the United States, David M. Walker, to the CFO of Pepsi Bottling Group (PBG), Al Drewes, brilliant minds think of ways to create opportunity in good times and more importantly in bad times.
Here are some wonderful, positive outcomes for Corporate America as well as our personal lives. Maybe we can ask our government to learn from some of the best practices of major companies such as PBG, Coke, J&J and GE, just to name a few.
The first lesson is nothing new, but appears to be forgotten: Fundamentals are the key to the success of your companies as well as in our personal lives. What do we mean by fundamentals?
1. Core competences - companies that focus on their core competences can weather any storm. Move away from what "feels" good and do what "is" good. This does not imply that I heard recommendations to stagnate in your ability to move forward in markets aligned within your core competence. In one situation, Levis Strauss did not adjust its core competence to changing market conditions and needed some major shifts in order to adapt its brand to a new way of looking at jeans. It was from an expansion of their core that they recovered from a stall in growth, not from a deviation from their core. Many will take the struggle within their current market and see it as a reason to move away from their core competence, such is what happened to banks, investment houses, insurance companies, all of which mixed and match their companies to step outside their core and try to be all things to all people. We now see that a lack of focus is part of the issues facing the financial markets today.
2. Asset based results. Creating value from non-asset based transitions is a thing of the past. At least we hope THIS TIME, it is. Business fundamentals: sales based on a true value transaction, selling goods and services, not synthetic derivatives or "anything internet" as was in the 90s is at the core of successful companies. True value given for compensation is the sustained business model. This is the life long model that carried America through the industrial age right to the technology age. Every time a non-asset or value backed sale has generated excitement, its short lived and has a great fall. When companies focus on value driven sales and cost efficiencies, the business is successful. Personally, that means living within your means. This is a very old expression taught by our grandfathers, to our fathers. Somewhere along the line we started to believe all the advertising that said you can have it today and pay for it tomorrow. Not true and a rude awakening for every consumer to face right now. Salary today or household revenue can be your only measure of what is available for your home expense and profit budget. What the best of the best will tell you is the way to create results is to expand your ability to create revenue on a business and personal level. This is the true way to expand your means and live enjoying all that the world has to offer.
3. Hoard Cash! Companies that are cash smart will have the most flexibility. This long-standing tradition has served the likes of Warren Buffet and other famous names very well. Companies that have maintained a balance between leverage and cash reserves, maybe have lost some percentage of short term financial reward from their capital, but have succeeded long term. Cash has always been a great measuring tool and now the Financial Accounting Profession is recognizing it to be a measure of the value of a company as important as market capitalization and earnings per share. In your personal life, cash has been replaced with plastic. Sure plastic has a convenience to it but cash spent gives perspective to spending that plastic never can. Think of this the next time you give the grocer $168.12 in cash for your one week's grocery bill!
The second lesson is discipline and performance. Deliver on promises rather than shooting from the hip in the hopes of figuring it out later. Create performance expectations based on realistic goals for all levels of your organization. That measure, as compared to the measure of market expectations, will carry organizational results in a disciplined environment. Had Wall Street, the mortgage market, FANNIE MAE and Freddie Mac and the Congress created performance expectations based on realistic goals and held all accountable at all levels of these organizations, then the likes of greed, campaign contributions and looking the other way would never have succeeded. Today, we are learning some difficult lessons. Today our personal lives must be maintained with discipline and performance, from parents to children, from teachers to business owners, from government officials to charitable organizations, we must hold ourselves accountable to create performance expectations based on realistic goals and discipline ourselves to perform. Only at that point will our America show the world the enduring results I could see in the faces and presentations of major corporate CFOs this last week.
I am so honored to have been in the room with such talent and my respect for who I am honored to call my peers grows stronger every day. Thank you CFO.com.http://EzineArticles.com Read More ..
I was a sponge, listening carefully, taking notes and searching through the information for those moments of wisdom and opportunities for a better tomorrow. I found a bright light in the significantly deep level of talent in the room. From the former Comptroller of the United States, David M. Walker, to the CFO of Pepsi Bottling Group (PBG), Al Drewes, brilliant minds think of ways to create opportunity in good times and more importantly in bad times.
Here are some wonderful, positive outcomes for Corporate America as well as our personal lives. Maybe we can ask our government to learn from some of the best practices of major companies such as PBG, Coke, J&J and GE, just to name a few.
The first lesson is nothing new, but appears to be forgotten: Fundamentals are the key to the success of your companies as well as in our personal lives. What do we mean by fundamentals?
1. Core competences - companies that focus on their core competences can weather any storm. Move away from what "feels" good and do what "is" good. This does not imply that I heard recommendations to stagnate in your ability to move forward in markets aligned within your core competence. In one situation, Levis Strauss did not adjust its core competence to changing market conditions and needed some major shifts in order to adapt its brand to a new way of looking at jeans. It was from an expansion of their core that they recovered from a stall in growth, not from a deviation from their core. Many will take the struggle within their current market and see it as a reason to move away from their core competence, such is what happened to banks, investment houses, insurance companies, all of which mixed and match their companies to step outside their core and try to be all things to all people. We now see that a lack of focus is part of the issues facing the financial markets today.
2. Asset based results. Creating value from non-asset based transitions is a thing of the past. At least we hope THIS TIME, it is. Business fundamentals: sales based on a true value transaction, selling goods and services, not synthetic derivatives or "anything internet" as was in the 90s is at the core of successful companies. True value given for compensation is the sustained business model. This is the life long model that carried America through the industrial age right to the technology age. Every time a non-asset or value backed sale has generated excitement, its short lived and has a great fall. When companies focus on value driven sales and cost efficiencies, the business is successful. Personally, that means living within your means. This is a very old expression taught by our grandfathers, to our fathers. Somewhere along the line we started to believe all the advertising that said you can have it today and pay for it tomorrow. Not true and a rude awakening for every consumer to face right now. Salary today or household revenue can be your only measure of what is available for your home expense and profit budget. What the best of the best will tell you is the way to create results is to expand your ability to create revenue on a business and personal level. This is the true way to expand your means and live enjoying all that the world has to offer.
3. Hoard Cash! Companies that are cash smart will have the most flexibility. This long-standing tradition has served the likes of Warren Buffet and other famous names very well. Companies that have maintained a balance between leverage and cash reserves, maybe have lost some percentage of short term financial reward from their capital, but have succeeded long term. Cash has always been a great measuring tool and now the Financial Accounting Profession is recognizing it to be a measure of the value of a company as important as market capitalization and earnings per share. In your personal life, cash has been replaced with plastic. Sure plastic has a convenience to it but cash spent gives perspective to spending that plastic never can. Think of this the next time you give the grocer $168.12 in cash for your one week's grocery bill!
The second lesson is discipline and performance. Deliver on promises rather than shooting from the hip in the hopes of figuring it out later. Create performance expectations based on realistic goals for all levels of your organization. That measure, as compared to the measure of market expectations, will carry organizational results in a disciplined environment. Had Wall Street, the mortgage market, FANNIE MAE and Freddie Mac and the Congress created performance expectations based on realistic goals and held all accountable at all levels of these organizations, then the likes of greed, campaign contributions and looking the other way would never have succeeded. Today, we are learning some difficult lessons. Today our personal lives must be maintained with discipline and performance, from parents to children, from teachers to business owners, from government officials to charitable organizations, we must hold ourselves accountable to create performance expectations based on realistic goals and discipline ourselves to perform. Only at that point will our America show the world the enduring results I could see in the faces and presentations of major corporate CFOs this last week.
I am so honored to have been in the room with such talent and my respect for who I am honored to call my peers grows stronger every day. Thank you CFO.com.http://EzineArticles.com Read More ..
How Can Your Small Business Survive Today's Economic Crisis?
You need immediate relief, and no one is talking about the elephant in the room: CASH. So, to address the immediate actions you can do right now are:
1) Stop using credit for anything. There's a reason the saying is CASH is king. Pay cash for everything right now, and avoid credit like the plague.
2) Have an honest conversation with your employees. Freeze their salaries for the next year. It is a sacrifice for them, but it keeps their jobs, and once things smooth out, you can look at ways to reward their sacrifice and loyalty.
3) Don't just control costs; aggressively do so. Every paperclip you can re-use, do it. Every ream of paper, every pen ... office supplies are one of the largest areas of shrinkage. Lock up the supply closet.
4) Go to your suppliers, tell them you intend to pay cash for your goods, and negotiate a discount on the products in return. It's time to return to the days of 2%/10, n/30. Suppliers are also so strapped for cash they will work with you.
5) As you expand your services, be careful not to expand your operating budget at the same time. Carefully weigh the opportunity costs if you see it will require an investment to offer a new service.
6) Continue to save. Every check, even if it's only $5, save it. Encourage your employees to do the same. This is about keeping cash.
7) Move some of your investments to CD's. If you need an amount of money, you can get to it, and it still earns interest in the meantime.
(Disclaimer: This is my personal opinion and not professional advice.)
Michael is the owner of FreedomFire Communications ... and author of Broadband Nation. Michael also authors Small Business Resources Cafe with resources, tools, tips, & insights for small businesses. The Cafe is always open. So ... grab a cup of Joe & sit awhile!http://EzineArticles.com Read More ..
1) Stop using credit for anything. There's a reason the saying is CASH is king. Pay cash for everything right now, and avoid credit like the plague.
2) Have an honest conversation with your employees. Freeze their salaries for the next year. It is a sacrifice for them, but it keeps their jobs, and once things smooth out, you can look at ways to reward their sacrifice and loyalty.
3) Don't just control costs; aggressively do so. Every paperclip you can re-use, do it. Every ream of paper, every pen ... office supplies are one of the largest areas of shrinkage. Lock up the supply closet.
4) Go to your suppliers, tell them you intend to pay cash for your goods, and negotiate a discount on the products in return. It's time to return to the days of 2%/10, n/30. Suppliers are also so strapped for cash they will work with you.
5) As you expand your services, be careful not to expand your operating budget at the same time. Carefully weigh the opportunity costs if you see it will require an investment to offer a new service.
6) Continue to save. Every check, even if it's only $5, save it. Encourage your employees to do the same. This is about keeping cash.
7) Move some of your investments to CD's. If you need an amount of money, you can get to it, and it still earns interest in the meantime.
(Disclaimer: This is my personal opinion and not professional advice.)
Michael is the owner of FreedomFire Communications ... and author of Broadband Nation. Michael also authors Small Business Resources Cafe with resources, tools, tips, & insights for small businesses. The Cafe is always open. So ... grab a cup of Joe & sit awhile!http://EzineArticles.com Read More ..
The Australian Property Market in Today's Economic Climate
Everyone is talking doom and gloom and making it appear as though that is all we have to look forward to. What we really need to do, instead of listening only to what the media has to say, is look also at facts and figures. Investors need to understand the market they are investing in, which ever one that may be. There is so much information to be gathered from reliable informed sources. There is record population growth in Australia with continued housing shortages. Property is still a market worth investing in.
The property market just like any other market is subject to supply and demand. It is important to research the facts rather than to rely on speculation or observation. The demand for housing is determined mainly through demographic changes.
These changes include:- population growth (increased migration, higher birth than death rates), changes in household size (through divorce, children leaving home).
Also what must be considered is the rate of new dwellings being built, an analysis conducted by the Commonwealth Treasury estimated that the demand for housing will increase to 200,000 per annum by 2010 while new dwellings are expected to reach only 150,000 to 160,000. Add to that a shortage of available land and the result is an imbalance between supply and demand that can only result in Australian property values increasing.
The other factor to consider in these times as well as in any other is affordability.
When is the right time to enter the market?
The answer to that is always, 'Now is as good a time as any'. What you must do though is look at ways to organise your finances and understand what way is going to work best for you.
The Government is currently offering an increase in the first home owners grant to assist entry into the property market, or you may consider the buy and rent option. This strategy means you buy in an area you can afford with the intention to rent the property out, the property has the potential for capital gain over time and can often offer a high rental return. Meanwhile you rent in an area that suits you for location and work, with the freedom to relocate as desired. The idea is to get into the market now and stay there for the long term. If, as a buyer you can combine solid research with a medium to long term outlook you will find many opportunities offering good capital growth.http://EzineArticles.com Read More ..
The property market just like any other market is subject to supply and demand. It is important to research the facts rather than to rely on speculation or observation. The demand for housing is determined mainly through demographic changes.
These changes include:- population growth (increased migration, higher birth than death rates), changes in household size (through divorce, children leaving home).
Also what must be considered is the rate of new dwellings being built, an analysis conducted by the Commonwealth Treasury estimated that the demand for housing will increase to 200,000 per annum by 2010 while new dwellings are expected to reach only 150,000 to 160,000. Add to that a shortage of available land and the result is an imbalance between supply and demand that can only result in Australian property values increasing.
The other factor to consider in these times as well as in any other is affordability.
When is the right time to enter the market?
The answer to that is always, 'Now is as good a time as any'. What you must do though is look at ways to organise your finances and understand what way is going to work best for you.
The Government is currently offering an increase in the first home owners grant to assist entry into the property market, or you may consider the buy and rent option. This strategy means you buy in an area you can afford with the intention to rent the property out, the property has the potential for capital gain over time and can often offer a high rental return. Meanwhile you rent in an area that suits you for location and work, with the freedom to relocate as desired. The idea is to get into the market now and stay there for the long term. If, as a buyer you can combine solid research with a medium to long term outlook you will find many opportunities offering good capital growth.http://EzineArticles.com Read More ..
Coping With Today's Economic Crisis
Today's economic situation is most likely the worse we have ever seen in our lifetime and unfortunately it will become even dimmer before it gets better. Approximately 50 mortgage lenders, including Freddy Mac and Fannie Mae have either filed for bankruptcy or have completely shut down.
Chrysler, Ford Motor Company and General Motors have all submitted requests to the Federal Government for financial "bailouts" in order to continue their automotive industries. Wall Street has been riding a roller coaster for months, up in points on way day just to fall more points the next. What do we do? How do we deal with the possibility of a global financial crisis? What happens to our family if I loose my job? These are all questions so many of us are faced with on a daily basis. Now... before we really get STRESSED out, there is an answer.
The first thing I would suggest is to learn how to meditate. Through meditation you are able to control the stress, and most of all save yourself from stress related illness. Through meditation you can clear your mind and focus on the issues that are important... HAPPINESS and JOY.
Now you ask... what makes me such an expert? Well for starters I have never proclaimed myself an "expert" on our current economic situation. However, I can tell you how meditation has changed my life and made it possible for me to face the daily challenges of life. You see, my economic situation is actually like a very "bad dream". I was laid off from a full time job, making good money, only to find that the only job I could obtain after that was parttime. Since that happened (last year) I have lost just about everything I own, including my car. I get up every morning, stand in the rain and freezing weather to take a city bus downtown (which takes 2 hours to reach my destination which is only 15 miles away) to go to work for my 3-4 yours and then spend another 2 hours to travel home. I do this each day, and each day I smile. Why you ask? Because I look at what I have.
Not what I don't have. That is one of the many things meditation has taught me. Through meditation I have learned that each day is a "new" day that you can never live over again. I make it my daily task to find the beauty and positive of the day whether it be the unique sunrise (which I am fortunate enough to see while someone else (bus driver) is taking me to work), the smile on a child's face, or most importantly, making someone else smile and feel joy. My purse may be empty but my spirit is rich. If we could all follow these concepts the world would not only be a happier place but also healthier. When we focus on the negative, when we allow daily situations to create stress in our lives, worry about things we have no control over we are only setting off our own time bomb. These negative emotions not only effect our relationships with others but most importantly our overall health.
Learn to be happy, every day, no matter what you are faced with. Learn to be thankful for what you have and not what you don't have. Learn to live each day to its fullest and destroy negativity and stress in your life.//EzineArticles.com Read More ..
Chrysler, Ford Motor Company and General Motors have all submitted requests to the Federal Government for financial "bailouts" in order to continue their automotive industries. Wall Street has been riding a roller coaster for months, up in points on way day just to fall more points the next. What do we do? How do we deal with the possibility of a global financial crisis? What happens to our family if I loose my job? These are all questions so many of us are faced with on a daily basis. Now... before we really get STRESSED out, there is an answer.
The first thing I would suggest is to learn how to meditate. Through meditation you are able to control the stress, and most of all save yourself from stress related illness. Through meditation you can clear your mind and focus on the issues that are important... HAPPINESS and JOY.
Now you ask... what makes me such an expert? Well for starters I have never proclaimed myself an "expert" on our current economic situation. However, I can tell you how meditation has changed my life and made it possible for me to face the daily challenges of life. You see, my economic situation is actually like a very "bad dream". I was laid off from a full time job, making good money, only to find that the only job I could obtain after that was parttime. Since that happened (last year) I have lost just about everything I own, including my car. I get up every morning, stand in the rain and freezing weather to take a city bus downtown (which takes 2 hours to reach my destination which is only 15 miles away) to go to work for my 3-4 yours and then spend another 2 hours to travel home. I do this each day, and each day I smile. Why you ask? Because I look at what I have.
Not what I don't have. That is one of the many things meditation has taught me. Through meditation I have learned that each day is a "new" day that you can never live over again. I make it my daily task to find the beauty and positive of the day whether it be the unique sunrise (which I am fortunate enough to see while someone else (bus driver) is taking me to work), the smile on a child's face, or most importantly, making someone else smile and feel joy. My purse may be empty but my spirit is rich. If we could all follow these concepts the world would not only be a happier place but also healthier. When we focus on the negative, when we allow daily situations to create stress in our lives, worry about things we have no control over we are only setting off our own time bomb. These negative emotions not only effect our relationships with others but most importantly our overall health.
Learn to be happy, every day, no matter what you are faced with. Learn to be thankful for what you have and not what you don't have. Learn to live each day to its fullest and destroy negativity and stress in your life.//EzineArticles.com Read More ..
Sabtu, 28 Februari 2009
The Year of Jubilee and Today's Economic Recession
Did you know that economic recession is actually ordered in the Bible? Every 49 years the people of Israel were ordered to celebrate a year of Jubilee, where the land would lie fallow and all property would be returned to its original owner. This year and the following year there would be no new crops, so the people were required to prepare. Imagine: Every 50 years they Israelites knew there was going to be an economic recession.
If you could predict when an economic recession would occur, what would you do? Would you just step back and allow it to happen, or do you think that you would take steps to prepare yourself and your company to weather the storm? Do you think you might even study the trends and find a way to make that economic recession work for you? Maybe store away a little bit extra during those forty nine years so that you could see to the people who didn't have the foresight to put away what they needed to get by those two years of famine?
That's what we're going to be discussing in the next couple of sections. What you need to do to help yourself ride out a recession without losing everything you've worked so hard for, and what you can do to make this recession work for you. Remember, recession is nothing new. Men and women have been surviving recessions for as long as there has been an economy to recede.
The question is, what are you going to do about it?
By the way...do you want to learn exactly how to create a high income online business by meeting the needs of people in your niche through coaching, consulting, and teaching online classes?
Download my new recording: "How to Sell High Ticket Products Online" here: High Ticket Selling
-----------------------------------------------------------------------------------------------------
Or...do you want to learn how to increase your online income by adding coaching, consulting, and online classes to your existing practice or business? Find out how here: Internet Marketing Coaching
-----------------------------------------------------------------------------------------------------
Sean Mize teaches coaches, consultants, and small business owners how to package their knowledge and sell it in high priced coaching, consulting, and online class packages. Sean says "If you have an existing marketable service or skill that you can teach others, I can teach you to package it into a high-priced class or coaching program, guaranteed"
http://ezinearticles.com/?The-Year-of-Jubilee-and-Todays-Economic-Recession&id=1687264 Read More ..
If you could predict when an economic recession would occur, what would you do? Would you just step back and allow it to happen, or do you think that you would take steps to prepare yourself and your company to weather the storm? Do you think you might even study the trends and find a way to make that economic recession work for you? Maybe store away a little bit extra during those forty nine years so that you could see to the people who didn't have the foresight to put away what they needed to get by those two years of famine?
That's what we're going to be discussing in the next couple of sections. What you need to do to help yourself ride out a recession without losing everything you've worked so hard for, and what you can do to make this recession work for you. Remember, recession is nothing new. Men and women have been surviving recessions for as long as there has been an economy to recede.
The question is, what are you going to do about it?
By the way...do you want to learn exactly how to create a high income online business by meeting the needs of people in your niche through coaching, consulting, and teaching online classes?
Download my new recording: "How to Sell High Ticket Products Online" here: High Ticket Selling
-----------------------------------------------------------------------------------------------------
Or...do you want to learn how to increase your online income by adding coaching, consulting, and online classes to your existing practice or business? Find out how here: Internet Marketing Coaching
-----------------------------------------------------------------------------------------------------
Sean Mize teaches coaches, consultants, and small business owners how to package their knowledge and sell it in high priced coaching, consulting, and online class packages. Sean says "If you have an existing marketable service or skill that you can teach others, I can teach you to package it into a high-priced class or coaching program, guaranteed"
http://ezinearticles.com/?The-Year-of-Jubilee-and-Todays-Economic-Recession&id=1687264 Read More ..
The Importance of Safes in Today's Economic Climate
Safes are quite important these days. Owing to the current economic scenario and the kind of situation faced by the masses, there are many who succumb to unscrupulous activities.
Hence, having a good safe is important, however, a safe is only as good as the locks and the security measures taken. There are different types of safe lock options available in the market today. Your safe needs to be locked for obvious reasons, however, it is essential to change or reprogram your locks for security at regular intervals. There are many different kinds of safes available; they have electronic locking options, locks, key and combination locking option and dual mechanism as well. The safes are classified into various categories by time rating and cash rating. Time rating is also defined as the time required opening the safe by guessing a combination or lock picking or by simply drilling.
These days safe security is the matter of utmost importance to all the safe makers, hence most of the safe makers make safes that can be easily reprogrammed at regular intervals. For example, if you are the head of a company who has just fired your personal secretary for some reason, you may be scared that they might know the numbers of your safe. However, with a modern electronic lock system, all you need to do is reprogram the system and no one will be wiser. The earlier safes had simple lock mechanisms where the keys could be lost or imprinted on soap. These days with the new combination of electronic and physical locking mechanisms, you can get your locks changed at any time and without anyone knowing. In fact it is recommended that you change your combination at regular intervals.
A home safe may have a key that can be found by a thief or someone who wants to rob it and there are times we may lose the key to our house. A physical safe may be compromised due to this error. However, with an electronic or a combination safe, this problem can be sorted out since you know the combination in your head! Moreover, if you think some one knows the combination, you can change it immediately!
There are some experts who rate safes on the basis of the amount of cash or valuables they store. The currency level is termed as the amount of currency held by the safe. The currency level is directly proportional to the safety and security measures of the safe; hence most of the high currency level safes have combination of electronic and physical locks.
The safes are also classified on the basis of installation; there are floor safes and wall safes. You can have a safe on the floor of your house that has a combination or physical locking mechanism. You can also have a safe installed in the wall of the room that can again have electronic or combination mechanisms.
The locking mechanism and the kind of safe you choose is directly dependent on the factors such as the kind of security required, the kind of valuables stored and the location of the safe. Remember to consult a good safe specialist to help make your decision.
http://EzineArticles.com/?expert=Derek_Rogers Read More ..
Hence, having a good safe is important, however, a safe is only as good as the locks and the security measures taken. There are different types of safe lock options available in the market today. Your safe needs to be locked for obvious reasons, however, it is essential to change or reprogram your locks for security at regular intervals. There are many different kinds of safes available; they have electronic locking options, locks, key and combination locking option and dual mechanism as well. The safes are classified into various categories by time rating and cash rating. Time rating is also defined as the time required opening the safe by guessing a combination or lock picking or by simply drilling.
These days safe security is the matter of utmost importance to all the safe makers, hence most of the safe makers make safes that can be easily reprogrammed at regular intervals. For example, if you are the head of a company who has just fired your personal secretary for some reason, you may be scared that they might know the numbers of your safe. However, with a modern electronic lock system, all you need to do is reprogram the system and no one will be wiser. The earlier safes had simple lock mechanisms where the keys could be lost or imprinted on soap. These days with the new combination of electronic and physical locking mechanisms, you can get your locks changed at any time and without anyone knowing. In fact it is recommended that you change your combination at regular intervals.
A home safe may have a key that can be found by a thief or someone who wants to rob it and there are times we may lose the key to our house. A physical safe may be compromised due to this error. However, with an electronic or a combination safe, this problem can be sorted out since you know the combination in your head! Moreover, if you think some one knows the combination, you can change it immediately!
There are some experts who rate safes on the basis of the amount of cash or valuables they store. The currency level is termed as the amount of currency held by the safe. The currency level is directly proportional to the safety and security measures of the safe; hence most of the high currency level safes have combination of electronic and physical locks.
The safes are also classified on the basis of installation; there are floor safes and wall safes. You can have a safe on the floor of your house that has a combination or physical locking mechanism. You can also have a safe installed in the wall of the room that can again have electronic or combination mechanisms.
The locking mechanism and the kind of safe you choose is directly dependent on the factors such as the kind of security required, the kind of valuables stored and the location of the safe. Remember to consult a good safe specialist to help make your decision.
http://EzineArticles.com/?expert=Derek_Rogers Read More ..
Financial Advice For Today's Economic Times
If you are looking for some investment around this time of the year then you really have to hone up your horns and your technical skills.
If you are however shy about the stock market then the good news is that they are not as shaky anymore and are showing a whole lot of improvement. Since the recessions there are serious improvements on progress now.
An economic struggle could put any investor into shaky grounds. However it doesn't really mean that you have to end up hiding your money in your closets. Review the lessons you learnt last year and you are sure to take this as a turning point of knowing and understanding the nature of cash very soon. Make the necessary adjustments that you have to make around this time. Chances are you are going to be extra careful this year and if you adhere to the basic rules of business, you are going to make a smooth flow of incorporation.
Most financial advisors would say that it is now the ideal time to purchase new bonds as a mean of investing big money. Bond funds are easy to consider and are a great thing to be used. Reconsider your reasons to investment of stock-to-bond balance. This is an ideal time for transition. Harold Evensky, the financial advisor in the board of Coral Gables says that investors are strongly reconsidering the stock-to-bond management and taking it as the new mantra of finance management.
An investment grade corporate bond is also what is being looked after by the US Treasurys. After the Federal Reserve problem there has surely been a half-hearted investment cut off from that of the last week. Some of the current investments are desperately avoiding investing in stocks because of recent events. A total of 1.5% point goes above the 10 year average yield. 20 year old investment grade corporate bonds are also carrying an average yield of 7.48%. Moody's Investors, the big bond-rating company, confirms the existence of this problem.
The higher yields of course reflect the risk that is always going to be present at some degree or the other. Moody's investigation reveals that the default rate is on the slower end of the process and that there are risks associated with the investment-grade bond as well. John Puchalla, Moody's economist also says that if one is going to buy individual bonds then all these risk factors keep being on the rise. However when one is growing upon investment-grade bond, then the risk factors and default rates automatically shift down. There is actually 7% default action with a higher yield in junk bonds as compared to the 1% or less involved in investment-grade bonds.
Investors do have a higher risk tolerance and they can even hit deeper when they have the capability. So one can easily fall into the trap of buying a junk bond! The last recession in 1991 also gives us lessons and ideas to draw upon where the junk bond market did not really resonate with the changing value of the surrounding economy. As the recession was just coming to take shape, a quite similar raise to the junk bond market as noted in 1991, was noted. The average of junk bond lost about 4% since last year and then also started to cut off the interest rates as happened in 1991.
The returns that come after a recession are many folds and are really some of the unexpected kinds! Martin Fridson, one of the chief finance advisors of our times, note that as interest rates come to drop there are more and more of the recession process taking place. So, most bond prices yield a great deal from these occurrences.
Junk bond returns were below 4% in 1991, the lowest in history so far.
The decreasing rates if interest totally goes hand in hand with the development of the junk-bond market. They carry several high-yield bonds which require immediate locking in, as soon as they get released. However, with trade off, the junk bonds will definitely come with rising default rates. There are instances where they do not cross the limit of 10% default since 1991.
Exchange-Traded Funds are another way of making sure that you are growing in your economy and are all set to make a wiser investment than you probably thought it to be. It is of course time to pick up the hot stock of the lot and be able to buy shares through some of the Exchanged-Traded Funds. Exchanged-Traded Funds or ETFs are great to stock the total performance on any market index. So you can actually assess the potential of a particular company and keep the track along with it before buying shares. Dow Jones Industrial Average is always keen on managing mutual funds.http://ezinearticles.com/?Financial-Advice-For-Todays-Economic-Times&id=1915646 Read More ..
If you are however shy about the stock market then the good news is that they are not as shaky anymore and are showing a whole lot of improvement. Since the recessions there are serious improvements on progress now.
An economic struggle could put any investor into shaky grounds. However it doesn't really mean that you have to end up hiding your money in your closets. Review the lessons you learnt last year and you are sure to take this as a turning point of knowing and understanding the nature of cash very soon. Make the necessary adjustments that you have to make around this time. Chances are you are going to be extra careful this year and if you adhere to the basic rules of business, you are going to make a smooth flow of incorporation.
Most financial advisors would say that it is now the ideal time to purchase new bonds as a mean of investing big money. Bond funds are easy to consider and are a great thing to be used. Reconsider your reasons to investment of stock-to-bond balance. This is an ideal time for transition. Harold Evensky, the financial advisor in the board of Coral Gables says that investors are strongly reconsidering the stock-to-bond management and taking it as the new mantra of finance management.
An investment grade corporate bond is also what is being looked after by the US Treasurys. After the Federal Reserve problem there has surely been a half-hearted investment cut off from that of the last week. Some of the current investments are desperately avoiding investing in stocks because of recent events. A total of 1.5% point goes above the 10 year average yield. 20 year old investment grade corporate bonds are also carrying an average yield of 7.48%. Moody's Investors, the big bond-rating company, confirms the existence of this problem.
The higher yields of course reflect the risk that is always going to be present at some degree or the other. Moody's investigation reveals that the default rate is on the slower end of the process and that there are risks associated with the investment-grade bond as well. John Puchalla, Moody's economist also says that if one is going to buy individual bonds then all these risk factors keep being on the rise. However when one is growing upon investment-grade bond, then the risk factors and default rates automatically shift down. There is actually 7% default action with a higher yield in junk bonds as compared to the 1% or less involved in investment-grade bonds.
Investors do have a higher risk tolerance and they can even hit deeper when they have the capability. So one can easily fall into the trap of buying a junk bond! The last recession in 1991 also gives us lessons and ideas to draw upon where the junk bond market did not really resonate with the changing value of the surrounding economy. As the recession was just coming to take shape, a quite similar raise to the junk bond market as noted in 1991, was noted. The average of junk bond lost about 4% since last year and then also started to cut off the interest rates as happened in 1991.
The returns that come after a recession are many folds and are really some of the unexpected kinds! Martin Fridson, one of the chief finance advisors of our times, note that as interest rates come to drop there are more and more of the recession process taking place. So, most bond prices yield a great deal from these occurrences.
Junk bond returns were below 4% in 1991, the lowest in history so far.
The decreasing rates if interest totally goes hand in hand with the development of the junk-bond market. They carry several high-yield bonds which require immediate locking in, as soon as they get released. However, with trade off, the junk bonds will definitely come with rising default rates. There are instances where they do not cross the limit of 10% default since 1991.
Exchange-Traded Funds are another way of making sure that you are growing in your economy and are all set to make a wiser investment than you probably thought it to be. It is of course time to pick up the hot stock of the lot and be able to buy shares through some of the Exchanged-Traded Funds. Exchanged-Traded Funds or ETFs are great to stock the total performance on any market index. So you can actually assess the potential of a particular company and keep the track along with it before buying shares. Dow Jones Industrial Average is always keen on managing mutual funds.http://ezinearticles.com/?Financial-Advice-For-Todays-Economic-Times&id=1915646 Read More ..
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