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
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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
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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 ..
Sabtu, 28 Februari 2009
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 ..
The Upside to the Economic Downturn
If you're like most people around the country, you have been directly affected in one way or another by the current economic crisis.
As frightening as an economic crisis can be, there may actually be an upside to it all. Like other difficult situations we may experience in life, the bad economy may force us to reflect upon and re-evaluate the way we live and the choices we make, financially speaking. Any situation that causes us to more closely examine our lives is wake-up call we should take seriously.
As humans, we tend to fall into ruts and routines and may fail to focus on the really important things. In this case, it's planning and preparing for surviving in a tough economy. Thus, many of us are left to scramble to make changes when faced with a job loss or potential job loss.
One thing we can do immediately is to find ways in which to cut costs. In evaluating expenses, you may discover that there are several things you pay for that may suddenly not be necessities you can't live without. A prime example, are things we pay other people to do that we can do ourselves. Do you pay someone to: maintain your yard and landscaping, maintain your pool, clean your home, walk your dog, or wash your car? These are all things we can do for ourselves and you would be amazed at how quickly the savings add up. Do you pay for dry cleaning or salon services? If so, cutting these extra services or reducing their frequency can immediately reduce your expenses.
Another way in which to help yourself, is to identify ways in which to make extra money without having to take on a second or part-time job. Many are clearing their homes of clutter and selling unneeded items or collectibles in yard or garage sales or on internet sites such as eBay or Craigslist.
Situations like the current economic issues we face help us to hone not just our survival instincts, but our creativity as well. Thus, if you have not already done so, it's time to get your creative groove on and focus on the good things that can come out of this: Less wasteful spending and more resourcefulness on our part.
http://EzineArticles.com/ Read More ..
As frightening as an economic crisis can be, there may actually be an upside to it all. Like other difficult situations we may experience in life, the bad economy may force us to reflect upon and re-evaluate the way we live and the choices we make, financially speaking. Any situation that causes us to more closely examine our lives is wake-up call we should take seriously.
As humans, we tend to fall into ruts and routines and may fail to focus on the really important things. In this case, it's planning and preparing for surviving in a tough economy. Thus, many of us are left to scramble to make changes when faced with a job loss or potential job loss.
One thing we can do immediately is to find ways in which to cut costs. In evaluating expenses, you may discover that there are several things you pay for that may suddenly not be necessities you can't live without. A prime example, are things we pay other people to do that we can do ourselves. Do you pay someone to: maintain your yard and landscaping, maintain your pool, clean your home, walk your dog, or wash your car? These are all things we can do for ourselves and you would be amazed at how quickly the savings add up. Do you pay for dry cleaning or salon services? If so, cutting these extra services or reducing their frequency can immediately reduce your expenses.
Another way in which to help yourself, is to identify ways in which to make extra money without having to take on a second or part-time job. Many are clearing their homes of clutter and selling unneeded items or collectibles in yard or garage sales or on internet sites such as eBay or Craigslist.
Situations like the current economic issues we face help us to hone not just our survival instincts, but our creativity as well. Thus, if you have not already done so, it's time to get your creative groove on and focus on the good things that can come out of this: Less wasteful spending and more resourcefulness on our part.
http://EzineArticles.com/ Read More ..
Selasa, 24 Februari 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.
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.
http://EzineArticles.com/ Read More ..
An Innovative Solution For the Current Economic Crisis
The nature of the current economic crisis is such that it cannot be resolved with the standard array of tools at the disposal of the President. What's required is a sustainable, renewable solution, one that transcends the immediate financial crisis and actively - proactively - deals with the new paradigm of economics we are now dealing with.
The Prosperity Mandate offers a brilliant proposal that is both inspiring and doable. The centerpiece of this financial paradigm is to convert net worth (not Government funding) into liquidity, which then funds the economy. What this means is that is that over a trillion dollars can be infused into the banking system as a sophisticated investment without a single dollar of direct government funding. Thus, the current economic crisis is resolved with a sustainable recovery plan and renewable funding mechanism - not through government bailout - with massive job creating capital investment in ideas whose time has come.
In essence, net worth is transformed into liquidity in the following manner: Tax credits are issued to investors for cash deposited into CDs, which are then pledged as collateral on Fund America programs. These CDs earn tax-free interest. The U.S. government will guarantee the CD against bank default on the principal. The CD guarantees generate loans invested in the new economy, creating jobs, developing infrastructure, fostering urban renewal, developing Green energy manufacturing, and funding ecological technologies.
Each loan has a PayBack scenario to pay off and release the collateral CDs. The government does not foot the bill, but rather, provides the incentives for investors to do so. Every time a collateral pledge is released through cash pay back or permanent financing, the CDs can be renewed, and the pattern begins again. This recovery plan requires oversight, risk management, and transparent real time accounting, as well as banking, reporting, regulation, and review.
Imagine, as an example that the parents of newlyweds want to empower their children to lead self-reliant lives. After figuring out how much of a mortgage the newlyweds can afford to pay based on their incomes, the two families go to the bank, deposit CDs, and pledge them as collateral to secure a loan for lot acquisition and home construction. As time passes, a new home is built and a new mortgage is funded, which pays off the loans and releases the security pledges. The families did not give anything away - they merely facilitated a wealth-building process by converting their net worth into liquidity for the sake of economic growth.
The Fund America Trillion Dollar stimulus plan is entirely doable, friendly to both big business and the newly unemployed, ecologically sustainable, and ready to be implemented for a full economic recovery that ushers in a new paradigm of cultural interdependence. Citizens be encouraged! Reach out to your Congressperson and Senator to ask for support for the The Prosperity Mandate Fund America Tax Initiative. Create a Job -- Get a Tax Break! Invest in America - Pay less tax! We are in a period of great transformation, and now is the time to implement a truly sustainable economic and renewable solution for the current economic crisis.
N. Katz is the founder and visionary of The Prosperity Mandate organization. Previous highlights of his professional career include being an entrepreneur who has started, funded, and advised companies from dinner napkin to Fortune 100 companies. He has taken start ups public through Initial Public Offering, served in the Executive suite of two public companies and on the Board of Directors of several companies. Mr. Katz completed the Executive Program in Management at the John E. Anderson Graduate School of Management at the University of California Los Angeles.
When asked how does he continually think outside of "The Box", Mr. Katz replies somewhat perplexed..."What Box?"! He explains, "Most people look at a problem, then at the tools and resources at their disposal, and then try to create a road map from where they are to where they want to go using those tools. I start with the end result and always work to find one logical step back from there until I arrive at the present. It is just a more liberating way of finding solutions." His Prosperity Mandate is an innovative solution to the current economic crisis that is a brilliant example of his out of the box thinking.
http://EzineArticles.com/ Read More ..
The Prosperity Mandate offers a brilliant proposal that is both inspiring and doable. The centerpiece of this financial paradigm is to convert net worth (not Government funding) into liquidity, which then funds the economy. What this means is that is that over a trillion dollars can be infused into the banking system as a sophisticated investment without a single dollar of direct government funding. Thus, the current economic crisis is resolved with a sustainable recovery plan and renewable funding mechanism - not through government bailout - with massive job creating capital investment in ideas whose time has come.
In essence, net worth is transformed into liquidity in the following manner: Tax credits are issued to investors for cash deposited into CDs, which are then pledged as collateral on Fund America programs. These CDs earn tax-free interest. The U.S. government will guarantee the CD against bank default on the principal. The CD guarantees generate loans invested in the new economy, creating jobs, developing infrastructure, fostering urban renewal, developing Green energy manufacturing, and funding ecological technologies.
Each loan has a PayBack scenario to pay off and release the collateral CDs. The government does not foot the bill, but rather, provides the incentives for investors to do so. Every time a collateral pledge is released through cash pay back or permanent financing, the CDs can be renewed, and the pattern begins again. This recovery plan requires oversight, risk management, and transparent real time accounting, as well as banking, reporting, regulation, and review.
Imagine, as an example that the parents of newlyweds want to empower their children to lead self-reliant lives. After figuring out how much of a mortgage the newlyweds can afford to pay based on their incomes, the two families go to the bank, deposit CDs, and pledge them as collateral to secure a loan for lot acquisition and home construction. As time passes, a new home is built and a new mortgage is funded, which pays off the loans and releases the security pledges. The families did not give anything away - they merely facilitated a wealth-building process by converting their net worth into liquidity for the sake of economic growth.
The Fund America Trillion Dollar stimulus plan is entirely doable, friendly to both big business and the newly unemployed, ecologically sustainable, and ready to be implemented for a full economic recovery that ushers in a new paradigm of cultural interdependence. Citizens be encouraged! Reach out to your Congressperson and Senator to ask for support for the The Prosperity Mandate Fund America Tax Initiative. Create a Job -- Get a Tax Break! Invest in America - Pay less tax! We are in a period of great transformation, and now is the time to implement a truly sustainable economic and renewable solution for the current economic crisis.
N. Katz is the founder and visionary of The Prosperity Mandate organization. Previous highlights of his professional career include being an entrepreneur who has started, funded, and advised companies from dinner napkin to Fortune 100 companies. He has taken start ups public through Initial Public Offering, served in the Executive suite of two public companies and on the Board of Directors of several companies. Mr. Katz completed the Executive Program in Management at the John E. Anderson Graduate School of Management at the University of California Los Angeles.
When asked how does he continually think outside of "The Box", Mr. Katz replies somewhat perplexed..."What Box?"! He explains, "Most people look at a problem, then at the tools and resources at their disposal, and then try to create a road map from where they are to where they want to go using those tools. I start with the end result and always work to find one logical step back from there until I arrive at the present. It is just a more liberating way of finding solutions." His Prosperity Mandate is an innovative solution to the current economic crisis that is a brilliant example of his out of the box thinking.
http://EzineArticles.com/ Read More ..
Make Money Blogging - As Easy As 1-2-3
With the recession rocking the world, a good many of us are living under the perennial fear of getting laid off. How would you like a decent extra income in these days of uncertainty?
Well, you can make money blogging and quite a big money for that matter. And the best part of this is: you need no special technical knowledge or literary gift to start a blog-a successful one.
Then, you can blog side by side your 9to5 job. Work just a couple of hours a day or go full time blogging---it gives you full freedom of choosing the place and timing of your work. From stay-at-home mom to suddenly-out-of-the-job guy---blogging can be most rewarding vocation for a person with just any background.
So what is that makes a blog so profitable? And you may ask why blog and why not a website? The simplest answer to this question is: search engine spiders like the web pages-the good ones, but they just love the blogs. The blogs are so powerful that they can even help you earn the full income out of it. So what is behind its power?
First, you can start make money blogging without investing a penny. Getting your blog up and running is easy with the help of such free sources as bloggers.com. To keep it updated, you don't actually have to stay awake through the nights. Fee publishable articles are widely available in the web, you just need to know how to find them out. The e-books such as "Blogging to the Bank" or "Bloggers Guide To Profits" can help you in your quest.
Secondly, blogs can be your instant source of income; but the websites can not. Websites are pretty time-consuming to develop and put up. In a world, where time is money, these easy to put up and free to maintain blogs allow you make quick profits. Putting up a blog takes you minutes; only you have to find your niche market and a profitable product. Here again, a manual like Blogging to the Bank comes to your great help.
Once your blog is up there, now join an affiliate program or keep on getting paid from the Google AdSense. The time it will take to design an effective website and accomplish all these tasks, you will be able to put up at least fifty blogs and start earning them from too.
So you see, the blogs actually expedite the matter for you. You just need to apply a few zero-investment and risk-free methods and that is it. And we hope you got your answer why blogging clicks better than any other method when it comes to make money online.
http://EzineArticles.com/ Read More ..
Well, you can make money blogging and quite a big money for that matter. And the best part of this is: you need no special technical knowledge or literary gift to start a blog-a successful one.
Then, you can blog side by side your 9to5 job. Work just a couple of hours a day or go full time blogging---it gives you full freedom of choosing the place and timing of your work. From stay-at-home mom to suddenly-out-of-the-job guy---blogging can be most rewarding vocation for a person with just any background.
So what is that makes a blog so profitable? And you may ask why blog and why not a website? The simplest answer to this question is: search engine spiders like the web pages-the good ones, but they just love the blogs. The blogs are so powerful that they can even help you earn the full income out of it. So what is behind its power?
First, you can start make money blogging without investing a penny. Getting your blog up and running is easy with the help of such free sources as bloggers.com. To keep it updated, you don't actually have to stay awake through the nights. Fee publishable articles are widely available in the web, you just need to know how to find them out. The e-books such as "Blogging to the Bank" or "Bloggers Guide To Profits" can help you in your quest.
Secondly, blogs can be your instant source of income; but the websites can not. Websites are pretty time-consuming to develop and put up. In a world, where time is money, these easy to put up and free to maintain blogs allow you make quick profits. Putting up a blog takes you minutes; only you have to find your niche market and a profitable product. Here again, a manual like Blogging to the Bank comes to your great help.
Once your blog is up there, now join an affiliate program or keep on getting paid from the Google AdSense. The time it will take to design an effective website and accomplish all these tasks, you will be able to put up at least fifty blogs and start earning them from too.
So you see, the blogs actually expedite the matter for you. You just need to apply a few zero-investment and risk-free methods and that is it. And we hope you got your answer why blogging clicks better than any other method when it comes to make money online.
http://EzineArticles.com/ Read More ..
Rabu, 18 Februari 2009
World Wide Economic Crisis - Reasons
The financial crisis has enveloped the entire world these days. All nations of the world the developed and the under developed countries are trapped in this tangle. The countries which have strong enough economic conditions are also suffering from this. They were believed that they will rule the world but now they are suffering a lot. Now a days the era is more advanced and the technologies are more advanced.
The food, science, medicine, weapons are of advanced technology and now these are the major problems facing this world. The truth of the matter is that these economies were based on frail policies which have collapsed, resulting in a global economic crisis. The true controller is The God and following his teachings. The Muslim nations are also involved in similar practices instead following the guidelines laid out according to Islamic teachings. The cause of economic crisis the lending institutions in the western countries use funds deposited by their clients and forwarded this money as loans to those persons wanted to buy homes or automobiles.
The borrower does not pay attention to the amount of money he will be paying in interest during the term of contract, since his income is limited and he has to run the house hold along with re-paying loans. He finds himself sinking in a deep debt. As Middle Eastern countries have claimed that they are not facing any financial crises are just telling not truth, they are also suffering with the same situation as other well developed countries. Most of the funds are used in loans which could not be returned back, similarly the funds are also provided to the institutions for the well fare of countries but it is our bad luck that those funds were misused and resulting into a big economic crisis.
Car sales have plummeted to a record low and air travel is on the decline, individuals are spending less on all that comes under the umbrella of personal entertainment , which again results in the rise of depression. The instability and fraud and frustration and the sense of imminent war that exists in the world today is a result of the wealth of the world revolving. The main reason for the destruction of the world peace also stems from the fact that the richer nations have been eying the natural resources of the under developed countries.
Following are the points to be considered:
1. Learn to stay within your means, at a personal and at a nation level.
2. Refrain from interest
3. Wealthy nations should abstain from trying to gain control over natural resources of other countries.
4. Heads of the nations should be loyal and patriotic to their countries.
5. The rights and obligations of poor must be fulfilled.
http://EzineArticles.com/ Read More ..
The food, science, medicine, weapons are of advanced technology and now these are the major problems facing this world. The truth of the matter is that these economies were based on frail policies which have collapsed, resulting in a global economic crisis. The true controller is The God and following his teachings. The Muslim nations are also involved in similar practices instead following the guidelines laid out according to Islamic teachings. The cause of economic crisis the lending institutions in the western countries use funds deposited by their clients and forwarded this money as loans to those persons wanted to buy homes or automobiles.
The borrower does not pay attention to the amount of money he will be paying in interest during the term of contract, since his income is limited and he has to run the house hold along with re-paying loans. He finds himself sinking in a deep debt. As Middle Eastern countries have claimed that they are not facing any financial crises are just telling not truth, they are also suffering with the same situation as other well developed countries. Most of the funds are used in loans which could not be returned back, similarly the funds are also provided to the institutions for the well fare of countries but it is our bad luck that those funds were misused and resulting into a big economic crisis.
Car sales have plummeted to a record low and air travel is on the decline, individuals are spending less on all that comes under the umbrella of personal entertainment , which again results in the rise of depression. The instability and fraud and frustration and the sense of imminent war that exists in the world today is a result of the wealth of the world revolving. The main reason for the destruction of the world peace also stems from the fact that the richer nations have been eying the natural resources of the under developed countries.
Following are the points to be considered:
1. Learn to stay within your means, at a personal and at a nation level.
2. Refrain from interest
3. Wealthy nations should abstain from trying to gain control over natural resources of other countries.
4. Heads of the nations should be loyal and patriotic to their countries.
5. The rights and obligations of poor must be fulfilled.
http://EzineArticles.com/ Read More ..
Senin, 16 Februari 2009
Food to Avoid When Dieting in Tough Economic Times
In tough economic times as we now face, it is very hard to be on a diet and eat healthy. Let's face it - it's cheaper to eat junk food than it is to eat healthy food. So what do you do if you are trying to determine food to avoid when dieting in tough economic times?
One problem facing dieters is the fact that the foods that are cheap are generally fattening. This is especially true in the winter, when we tend to eat comfort food. Let's look at a few of the cheap meals to get some idea of the amount of calories that you gain from them.
1. Macaroni and cheese. Probably the most all-time favorite comfort food, macaroni and cheese can wreak havoc with your diet. If you dress up macaroni and cheese with such things as sausage or hamburger, it gets even worse. Stouffer's Mac and cheese contains about 529 calories, 25.7 g of fat with 10.6 g of saturated fat. All this in a 12 ounce serving.
2. Stay away from cream-based soups. Another favorite comfort food, they're loaded with cream and also loaded with calories. They also tend to be high in sodium. Top those with saltines and cheese like many people do, and the sodium level goes out of sight.
3. Cheese and cream-based casseroles may be the perfect comfort food, and even start out with healthy ingredients like broccoli, green beans or potatoes. You then add cream, butter, and canned soups and top them with cheese, bacon, and breadcrumbs. This will drive the calories right through the ceiling.
4. Avoid chilies and stews that are loaded with ground beef, sausage or cheese. You can make them yourself with small portions of lean meat, plenty of vegetables and beans, and they will be nutritious and filling. If you order these dishes when you eat out, they will be loaded with calories, grams of fat, and saturated fat.
5. Stay away from potpies. Although the ingredients may be healthy and good for you, you get a double dose of fat because of the top and bottom crust.
Although these meals may be cheap to make and easy to prepare, in the long run they can only hurt you. Sure, you can save money on your food budget. You more than make up for that, though, when you consider the cost to you in health care and in quality of life.
For more information on eating properly and yet staying within a tight budget, and ideas about food to avoid when dieting in tough economic times, visit our website today.
http://EzineArticles.com/ Read More ..
One problem facing dieters is the fact that the foods that are cheap are generally fattening. This is especially true in the winter, when we tend to eat comfort food. Let's look at a few of the cheap meals to get some idea of the amount of calories that you gain from them.
1. Macaroni and cheese. Probably the most all-time favorite comfort food, macaroni and cheese can wreak havoc with your diet. If you dress up macaroni and cheese with such things as sausage or hamburger, it gets even worse. Stouffer's Mac and cheese contains about 529 calories, 25.7 g of fat with 10.6 g of saturated fat. All this in a 12 ounce serving.
2. Stay away from cream-based soups. Another favorite comfort food, they're loaded with cream and also loaded with calories. They also tend to be high in sodium. Top those with saltines and cheese like many people do, and the sodium level goes out of sight.
3. Cheese and cream-based casseroles may be the perfect comfort food, and even start out with healthy ingredients like broccoli, green beans or potatoes. You then add cream, butter, and canned soups and top them with cheese, bacon, and breadcrumbs. This will drive the calories right through the ceiling.
4. Avoid chilies and stews that are loaded with ground beef, sausage or cheese. You can make them yourself with small portions of lean meat, plenty of vegetables and beans, and they will be nutritious and filling. If you order these dishes when you eat out, they will be loaded with calories, grams of fat, and saturated fat.
5. Stay away from potpies. Although the ingredients may be healthy and good for you, you get a double dose of fat because of the top and bottom crust.
Although these meals may be cheap to make and easy to prepare, in the long run they can only hurt you. Sure, you can save money on your food budget. You more than make up for that, though, when you consider the cost to you in health care and in quality of life.
For more information on eating properly and yet staying within a tight budget, and ideas about food to avoid when dieting in tough economic times, visit our website today.
http://EzineArticles.com/ Read More ..
Minggu, 15 Februari 2009
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.
Derek Rogers is a freelance writer who writes for a number of UK businesses. For a range of Security Safes, he recommends Safe Security Services.
Article Source: http://EzineArticles.com/?expert=Derek_Rogers Read More ..
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.
Derek Rogers is a freelance writer who writes for a number of UK businesses. For a range of Security Safes, he recommends Safe Security Services.
Article Source: http://EzineArticles.com/?expert=Derek_Rogers Read More ..
How to Survive Tough Economic Times
Surviving Tough Economic Times
Are we in a recession? Are we in a depression? For the business owner, does it really matter? No matter what the financial analysts call it, you have to be acutely aware of all aspects of the business in order to do more than survive. After all - you want to thrive! Let's look at some tips that you can use in order to keep your business in the black.
"An inner quality that many entrepreneurs say helps them survive is optimism." Jean Chatzky
Tap Into New Business
This isn't just about increasing direct marketing or cold calling efforts. There are unique ways to find customers you normally wouldn't attract.
Complementary or partner services: For an example, let's say you sell car wash services. If you haven't already done so, find local businesses that perform 30 minute oil changes and create a partnership. Go together on a bundled package or work together to create an advertisement that shows how you complement each other.
Join organization or present papers: There's nothing like expanding your customer base by letting others know you are the knowledge expert. If you do have an area of expertise, sign up at conventions, conferences or organizations to offer some advice free in exchange for advertising directly to the participants.
Do some research: As your needs change in tough economic times, so does your customer's. Their needs aren't the same as they were when money was flush and bills were paid. Find out what their needs are today and if needs be, change your line of products to meet what they will be spending money on.
Grow Your Business
Ask for referrals: If your customers are happy with you, ask if they can be a referral for you. Most customers will completely understand and be more than happy to help provide positive feedback, especially if you also provide some discounts along with a referral.
Provide discounts: If you have a good customer and know that they're struggling a little, provide some discounts to keep them with you. It's cheaper to keep a customer than try to find a replacement one.
Focus on quality: Although quality should always be a priority, when it comes to tough financial times, it should be raised up as probably the most important reason for being in business. Too often, companies cut expenses during financial trouble, but they cut those expenses which leads to a reduction in quality. This means that customers leave in droves.
Customer Service - Improve or increase customer service. Focus on your current customers and give them the best service possible. Even during tough times, people will pay a premium for services that cater to them individually.
You are the model! Your staff will look to you to see how they should act. Be the first level of quality within your organization and show your employees how to treat your customers.
Use the web
Web Presence: Chances are, you already have a web presence, so it's time to look at how you can expend this presence to meet your customer's needs and grow your customer base. Engage in some SEO activities and keep a close watch on your keywords in order to get the most exposure possible. Write some articles for publication or release some press releases about your new activities.
E-Marketing: E-Mail marketing, text message marketing, online coupons, online advertisements are all some of the most affordable marketing tactics available. You can use these tactics with both new customers and current customers in order to keep them engaged and active.
Did you know? Warren Buffet recently stated," I believe that we are already in a recession. It will be deeper and longer than what many think."
Financials
This is the time to do some housecleaning and cut the expenses, but only if it makes sense to cut.
Little stuff: Never underestimate the power of a penny. The little stuff that you spend money on may not make a difference in your quality, your customer service or getting new customers. Do your employees need unlimited cell usage or can you cut back their level of service? Do you really need your offices cleaned 3 times a week or can you live with 2 times per week?
Vendors: Shop around. If you like your current vendor, but another one can beat their prices, try negotiation. See if you can't get your current vendor to cut their costs to be competitive. Check out each supplier and service provider to make sure you are getting cost efficient service.
Have a sale: Last, but not least is unused assets. These items have worth, but aren't being used in a productive manner. Most companies won't have any large unused assets, but if you need a little boost of cash, it's a good idea to review your list of assets.
Article Source: http://EzineArticles.com/?expert=Linda_J_Banks Read More ..
Are we in a recession? Are we in a depression? For the business owner, does it really matter? No matter what the financial analysts call it, you have to be acutely aware of all aspects of the business in order to do more than survive. After all - you want to thrive! Let's look at some tips that you can use in order to keep your business in the black.
"An inner quality that many entrepreneurs say helps them survive is optimism." Jean Chatzky
Tap Into New Business
This isn't just about increasing direct marketing or cold calling efforts. There are unique ways to find customers you normally wouldn't attract.
Complementary or partner services: For an example, let's say you sell car wash services. If you haven't already done so, find local businesses that perform 30 minute oil changes and create a partnership. Go together on a bundled package or work together to create an advertisement that shows how you complement each other.
Join organization or present papers: There's nothing like expanding your customer base by letting others know you are the knowledge expert. If you do have an area of expertise, sign up at conventions, conferences or organizations to offer some advice free in exchange for advertising directly to the participants.
Do some research: As your needs change in tough economic times, so does your customer's. Their needs aren't the same as they were when money was flush and bills were paid. Find out what their needs are today and if needs be, change your line of products to meet what they will be spending money on.
Grow Your Business
Ask for referrals: If your customers are happy with you, ask if they can be a referral for you. Most customers will completely understand and be more than happy to help provide positive feedback, especially if you also provide some discounts along with a referral.
Provide discounts: If you have a good customer and know that they're struggling a little, provide some discounts to keep them with you. It's cheaper to keep a customer than try to find a replacement one.
Focus on quality: Although quality should always be a priority, when it comes to tough financial times, it should be raised up as probably the most important reason for being in business. Too often, companies cut expenses during financial trouble, but they cut those expenses which leads to a reduction in quality. This means that customers leave in droves.
Customer Service - Improve or increase customer service. Focus on your current customers and give them the best service possible. Even during tough times, people will pay a premium for services that cater to them individually.
You are the model! Your staff will look to you to see how they should act. Be the first level of quality within your organization and show your employees how to treat your customers.
Use the web
Web Presence: Chances are, you already have a web presence, so it's time to look at how you can expend this presence to meet your customer's needs and grow your customer base. Engage in some SEO activities and keep a close watch on your keywords in order to get the most exposure possible. Write some articles for publication or release some press releases about your new activities.
E-Marketing: E-Mail marketing, text message marketing, online coupons, online advertisements are all some of the most affordable marketing tactics available. You can use these tactics with both new customers and current customers in order to keep them engaged and active.
Did you know? Warren Buffet recently stated," I believe that we are already in a recession. It will be deeper and longer than what many think."
Financials
This is the time to do some housecleaning and cut the expenses, but only if it makes sense to cut.
Little stuff: Never underestimate the power of a penny. The little stuff that you spend money on may not make a difference in your quality, your customer service or getting new customers. Do your employees need unlimited cell usage or can you cut back their level of service? Do you really need your offices cleaned 3 times a week or can you live with 2 times per week?
Vendors: Shop around. If you like your current vendor, but another one can beat their prices, try negotiation. See if you can't get your current vendor to cut their costs to be competitive. Check out each supplier and service provider to make sure you are getting cost efficient service.
Have a sale: Last, but not least is unused assets. These items have worth, but aren't being used in a productive manner. Most companies won't have any large unused assets, but if you need a little boost of cash, it's a good idea to review your list of assets.
Article Source: http://EzineArticles.com/?expert=Linda_J_Banks Read More ..
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