Tuesday, March 27, 2012

Are the European PIIGS Getting Too Much Slop? The Coming Global Economic Crisis and Its Effect on Us

I am always concerned about my own economic future (or lack thereof) when I daily check the world financial news. We in the United States are, or at least should be, concerned about a possible impending economic crisis due to overspending by our government. It is the largest increase in national debt in a two year period (2008-2010) in the history of the nation. We however have an advantage, at least temporarily, that European Union nations do not have. Our government has the ability to print money and postpone the upcoming payday coming due on all these outstanding debts. That is not really a good thing, but at least in the short run, it slows down the impending danger.

Five European countries, known by the acronym PIIGS are not so fortunate. These countries are: Portugal, Ireland, Italy, Greece, and Spain. Recently serious concerns about the changing economic balance sheets of these five European Union countries have increased. These PIIGS are feeding too much at the economic borrowing trough. Pigs eat and wallow in "slop". It appears that these countries have been doing the same. They have been eating too much monetary slop lately. They have now reached the point where they are borrowing money just to pay the interest on the money they have already borrowed. They are not the only ones either. It appears that the United States, Great Britain and many other non-EU countries are not far behind them.

So, what does this have to do with me and you? Possibly nothing, but if past history is any indicator, we had better start looking for ways to protect our assets before they are confiscated; albeit through legal taxation, to pay for our countries' overeating at the slop trough. Some of us have very little to protect while others can count their assets in the millions. In the United States, 2011 will bring a whole new round of taxes with which we have to contend. There are always legal ways to protect assets for those who are in the know. Some are strategies that can be used in the States and others must be used abroad.

As a student of expatriate living concerns, I find that more and more individuals and families are looking for a less expensive destination than that of their homeland. Some do so due to their continually decreasing assets and some do so looking to protect and maximize the assets they have been able to accumulate over the years. I personally have always enjoyed periods of expatriate living. It was never about the money or assets. I simply enjoyed the experiences of living in another culture and learning about different lifestyles.

However, as the effects of world economic changes hits each of us -- some sooner than others -- we may all begin to look to other political, economic, and geographical areas for the benefits of offshore residency. Expatriate living is fast becoming accepted as a way to hedge your bets, live more economically, and have a fuller, more relaxed lifestyle. Offshore banking, offshore investments, offshore businesses, and expatriate living are all considered viable ways of ameliorating the effects of the global economic crisis. We can and should learn from the European Union PIIGS.

Leveraging From Internet Businesses In A Recovering Global Economic Melt-Down

*Leveraging from internet businesses cannot be over emphasized, why? An ardent watcher of global events would agree that even during the global economic crisis online businesses were thriving as if nothing was happening, It had alleviated hash economic climate that pervades the globe during those days. In no small way online marketing had been a solution to those who are knowledgeable in its techniques making millions wealthy.

What Leveraging On The Internet Could Mean
*Leveraging on the internet means that you ought to understand how the businesses are managed because in my years of online interactions I have noticed that not everyone who is classifies him or herself as internet guru is making money from the internet. For you to be among those who are succeeding on the internet, you should as a matter of priority LEARN the fundamentals of the business you want to venture into. Very important.

What You Need To Do Leveraging On The Internet
*You would be happy if you want to become a medical Doctor, you first go through the schools that will prepare you for such. Very disheartening to hear some online marketers complaining of not have made a dime from the internet in a long while and to crown it all, some think that online businesses is a get rich quick scheme. What an irony! You must pay the price of greatness or better still follow the masters of the businesses online before you can start leveraging on the online businesses.

Businesses You Can Leverage On The Internet
*Internet businesses are so encompassing that there are arrays of businesses you could do successfully online and make fortune. To mention but a few, you have forex traders, internet marketers, data entry, article writers, survey, stock traders. To avoid exaggeration over 90 per cent had lost their money ranging from small amount to large sums of money. The difference of the two groups is education. Expertise is the trade mark.

Products And Services You Can Leverage On The Internet
*Could you be able to cut your own piece of the CAKE? That is could you leverage on the internet? The choice is yours. You need to be educated on the businesses on the internet for if you could not do the business you could as well patronize those who sells their products on the internet. For example, there is virtually no product you cannot access or purchase on the net. Amazon.com present the choice you could be looking forward to make. The publishers present you the opportunity of purchasing products ranging from digital products to tangible ones. While ClickBank.com present you with digital products. As you access any of these products and services you are leveraging on the internet

The Global Economic Front - Avoiding Sales Pitfalls

There's no escaping the fact that the news from the global economic front is somewhat grim. With the dollar fluctuating on an almost daily basis, and with high redundancy rates and uncertain inflationary pressures, fiscal conservatism is the phrase of the day. In these leaner times, clients are understandably cautious about their financial outlays, and have become much more discerning with respect to distinguishing between 'needs' and 'wants'. The situation for business owners is undeniably challenging. And this is no less true for sales professionals, for whom it may appear that their potential client base has dwindled significantly.

But contrary to popular opinion, the forecast is not entirely negative. There are considerable reasons for optimism, even in such a tough market. In fact, the grim economic situation can actually make your job as a sales professional easier, once you understand how to use it to your advantage. This is because the key to successful sales is the ability to influence people. And the key to influencing people is evoking a positive emotional reaction in them. Of course you can go about this in a straightforward way, by simply inducing a positive correlation between your product and their emotional state. For instance, a client may feel some positive emotion (interest, hope, curiosity) when they first inquire about your product, and by simply demonstrating the benefits of your product, you will escalate their positive feeling from 'good' to 'great'. By virtue of their interaction with you, they will be induced to perceive a positive association with the product itself.

However, an even more effective technique is to stimulate, or take advantage of, a negative emotion about their current situation before demonstrating how effectively your product provides an easy, rapid solution to those negative feelings. In this instance, you effectively move the client through a dramatic range of emotions (i.e. doubt or dissatisfaction with the current state of affairs, good feelings associated with your product, a level of emotional attachment to the product in respect of that association) that culminates in a feeling of relief, enthusiasm and an inclination to purchase your product as a solution to their negative circumstances. And, what could be more negative than the uncertainty that arises in connection with the current economic climate?

So, yes, it is true that you cannot control the economy. But you can control how effectively you hone, and apply, your professional skills. Because in the end, no matter how good or bad the market, human nature itself hasn't changed - people will still buy if given enough good reasons to do so. Your role is to find new, creative approaches to help you provide those reasons convincingly. The following tips and strategies are designed to help you do just that.

Platonic-Fullerene Chemistry and Global Economic Collapse

On the 18th of February 2011, the Cornel University Library announced a quantum biological discovery by two Chinese scientists from universities in Mongolia. The scientists used mathematics to explain why proteins were folded in a strange way within DNA, in defiance of the 20th Century's scientific world-view.

An extract from the book entitled, Science-Art and Human Survival Technology, published a decade earlier by the Science-Art Research Centre of Australia, had predicted the discovery made by Liaofu Luo and Jun Lu. An extract from the book mentioning cellular membrane follows. "Evolutionary direction is provided by the constantly changing shapes of the evolving protein, which when measured, demonstrates that it is moving toward universal infinity." This concept is in defiance of the Einsteinian world-view.

The properties of the liquid crystal optic construction of the cellular membrane, at nano-scale, are considered to perceive the existence of holographic reality. This awareness is transmitted to consciousness through endorphins creating a Golden Mean pattern recognition pleasure, involving an electromagnetic process (the Greek Wisdom Through Beauty concept). The changing protein patterns are known to be expressing aspects of infinite fractal geometry, which, in ancient Mesopotamia was called sacred geometry. The geometry's association with the design of living things was taught to students including Leonardo da Vinci, during the 15th Century by Fibbonacci and Pacioli, when they introduced Babylonian mathematics to European civilisation.

Pacioli summed up this mathematical link to biology with his famous quote"Like God, the Divine Proportion is always similar to itself ", this is known today to be an expression of the infinite property of fractal logic. Such design geometry is found in the construction of living things, such as pine-cones, sunflowers and pineapples. The Molecule of Emotion, discovered in 1972 by Dr Candace Pert, evolves by increasing the speed of its molecular movement as an infinite fractal expression. The Mesopotamian mathematics can now be linked to an emotional Platonic Greek science called The science for ethical ends. However, that particular science was derived, not from the Babylonian Mystery schools, but from Mesopotamia's ancient Egyptian Mystery schools, as was discovered by the mathematician, Buckminster Fuller.

Nanotechnology has revealed that the difference between Fuller's findings from the Egyptian schools and the mathematical findings by Bertrand Russell and Albert Einstein, derived from the Babylonian schools, is important. As Fuller noted, this difference is about making a choice between Utopia or Oblivion. Bertrand Russell's most popular essay, written in 1904, entitled A Freeman's Worship, insisted we must endure the continual reign of chaos and despair associated with Einstein's world-view. Their shared world-view held that the second law of thermodynamics, known also as the law of universal chaos, must always govern our scientific culture. That law of course includes the science upholding global economic rationalism.

Russell and Einstein insisted that when the universe eventually radiated all of its energy out into cold space, then all life in the universe must be destroyed. Russell referred to this miserable end to everything, as a "Universe in thermodynamic ruin." However, this concept has been proven to be incorrect. The recent CERN experiment, published by the journal Nature, showed that dying novae in the Milky Way sent cosmic radiation through millions of years of space-time to influence the development of life on earth. This cosmic radiation from novae in the Milky Way causes clouds on earth to produce rain. This discovery created chaos within the European carbon credit economy, which is now on the point of collapse. So much for global economic rationalism.

The death of a dinosaur in ancient jasper fields produced a fatty acid liquid crystal soap, which, when exposed to the same cosmic radiation, began to turn into jasper crystals. The sacred geometries can be observed in this process and mathematicians have published that the crystalline structures form infinite fractal logic statements relevant to ancient mathematical mythologies.

The mindset of Bertrand Russell and Albert Einstein could never have imagined that such a phenomenon might exist. Their scientific world-view would never have suggested to them the possibility of using mathematics to discovery the relevant physics laws responsible for such a thing. To them, no scientific explanation of how sacred geometry might account for the human mythical intuition that the living process proceeded toward infinity, would have been possible. No models of life on earth, being associated with the workings of an infinite holographic universe, are allowed for under their dictum, which held that eventually all life in the universe must be destroyed.

In 1990, the Australian Science-Art Research Centre's mathematician discovered the new life energy laws, which was published by the world's largest technological research institute, IEEE-SPIE Milestone Series, as being one of the great discoveries from 20th Century literature. The Einsteinian death-wish legacy, governing Western culture's higher education system, simply prohibited mainstream science from investigating this discovery further. In 1995 an international peer review assessment of the discovery, under the auspices of the Institute for Basic Research in America, announced the discovery of the Centre's mathematics as being relevant to new physics laws governing optimum biological growth and development through space-time. The Einsteinian world-view can therefore be considered to be cancerous.

We can gain an insight into why Western culture is destroying itself, by comparing the difference between the worship of dominant religious deities of ancient Babylon and of ancient Egypt. Western mathematics and physics associated the use of sacred geometries as belonging to the mythical worship of the Babylonian Goddess Ishtar, the Goddess of sex and war. Betrand Russell in his autobiography, wrote, that during his adolescence he was very lonely and the only reason that he did not commit suicide was his wish to learn more about how ancient mathematics were linked to metaphysical philosophy.

In Russell's A History of Western Philosophy, he does seem to elevate the status of the Goddess Ishtar, although the use of sacred geometries to explain her mythical existence are extremely complex. He did however, become the most prominent British advocate of 'free love', as was published within his book entitled 'Marriage and Morals'. His appointment as a professor at the City College of New York in 1940 was annulled under a court order, which considered him morally unfit to teach at the college. His first three marriages ended in sordid public disgrace, but his attitude to sexual behaviour seemed to be of less relevance during his fourth marriage in his declining years.

Bertrand Russell was a courageous person who received a Nobel Prize for his contributions toward free thought. His personal sex life, associated with Babylonian mathematical myth however, did relate to Western scientific thought. This becomes obvious when we compare Russell's findings to Buckminster Fuller's discoveries, which were associated with the worship of ancient Egypt's mythical Goddess Maat.

Maat was the Goddess of truth and beauty who prevented the universe from reverting to chaos. In Russell's most popular essay, entitled A Freeman's Worship, he advocated the opposite, a despairing, soulless worship of chaos itself, as defined by Einstein's incorrect definition of universal chaos as being the Premier law of all science.

A comparison of the effects of intuitive mythology upon the heath of Babylonian and ancient Egyptian civilisations, reveals the enormity of the Russell-Einstein development of Western science. A 1995 governmental report entitled Sexual attitudes, preferences and infections in Ancient Egypt by Robert S Morton, reveals why global economic rationalism is actually at the point of collapse. With 'modification', the Fullerene medical science proposed by the 1996 Nobel laureates in chemistry can reverse this threat to global humanity. A United Nations mandate ensuring that the administration of governments are to be guided by a Platonic-Fullerene medical ethos, would save the day. Aristotle's concept of an ethical medical science, for the health of the universe, would provide for his ennobling government designed to prevent the destruction of civilisation, to become a reality.

Ennobling government, in which people strove to become personally responsible for continual ethical actions, judged by an ethical medical science, would be able to obtain the supra-technologies that Fuller realised were innate within the Platonic Science for ethical ends. We can thank Pythagoras for his definition of spiritual liberty, which linked it to the nature of light from his studies at the ancient Egyptian Mystery schools. Spiritual liberty is related to the electromagnet transmission of holographic awareness from the cellular membrane, the All Seeing Eye, guiding human evolution. Thomas Jefferson had some intuition of this phenomenon when he depicted the Pythagorean concept of spiritual liberty on the Great Seal of America.

In the report about ancient Egypt society being guided by worship of Maat, Robert Morton explained that ancient Egyptian mummy autopsies revealed that the incidence of sexually transmitted diseases was low compared to other Mesopotamian civilisations. Children were schooled in Maat's teachings of truth and justice up until the age of 12-14 years, when at puberty they became adult. Morton notes "the absence of any recognition of adolescence as we know and define it". The report found that "the structure functioned successfully through Ma'at and the social cement of the family". Family contentment, genuine respect for motherhood, and a democratic existence within their form of government, a lucrative export market with taxes paid by pyramid construction work, and a lack of adolescence rebellion, appeared to outline a society that Morton considered we may well envy today.

The sacred geometrical myth of the Egyptian mind-set, fused mercy and compassion into the daily life of the populace, who needed to be responsible for ethical conduct in order to be judged fit for entry into an afterlife. Following the collapse of the Egyptian First Kingdom, due to a prolonged drought, the people of the second Kingdom fused the ethics of mercy, compassion and justice into the fabric of political law. Later Greek mathematicians added the virtue of Platonic love into their Atomistic Science of universal love. This is in contrast to the scientifically unbalanced concept of modern Democracy, in which unethical greed by people, who do not feel any need to be held responsible for their actions, accelerates social chaos.

In the 5th Century AD, the custodian of the Great Library of Alexandria, the virgin mathematician, Hypatia, was murdered by a rioting Christian mob and the library's scrolls were burnt. St Augustine declared all the Mesopotamian sacred geometry mathematics to be the work of the Devil, citing the Bible's description of the Great Whore of Babylon.

Bertrand Russell and Albert Einstein grew up within a society ignorant of the fact that the living process was an expression of an infinite universal fractal evolutionary process. The quicker that the United Nations establishes the new Platonic-Fullerene medical science to guide ennobling government, the quicker we can develop the human survival supra-technologies from the lost Science for ethical ends.

These Are the Days of Our Lives in Global Economics

he question is no longer are we in recession, but what are we going to do in the recession. The economic crisis in the global community has the impact in each country of sending many business owners to the brink of ruin. The businesses that survive and the entrepreneurs that have approached this market with innovative ideas and determination to succeed are making this down turn in economics a lesson in the power of positive thinking. These are the days of our lives in our global economics that have proven that in the hour of adversity and tribulation, the human spirit can still triumph and move forward.

When the economy failed and businesses were sent to bankruptcy, suicides rose at an alarming rate. When did money become more important than survival? The thought of having to struggle to get back on your feet may slay many, but here is an example of a family that pulled together and combined their resources to create a business that not only supports the family, but has given each member of the family a pretty healthy bank account to boot.

War torn Afghanistan is the home of the Wagdi family. They have lost everything, to include some family members in this time of war in their country. Their home has been reduced to rubble. Where a once beautiful four bedroom home stood, there now sits a pile of rubble that does not even closely resemble a home. Amon Wagdi was in despair. He had no way to provide for his family any longer, his home and business were gone. He was the village baker and his ovens were buried under about two tons of rubble. Amon is father to six children, three boys and three girls. In his family circle his brother's children had joined him and his wife. Their mother had been killed and their father was severely injured in an attack on his village. The surviving members joined Amon's family unit for a better chance at surviving the war together.

The males in the family pulled together and started digging the ovens out. They uncovered the first one on a Monday and by Wednesday; the women were baking and making loaves of bread to sell at the market place in the center of town. The local warehouse owner let Amon and his wife have 350 pounds of flour on credit. This micro-loan was plenty to get them started in business again.

Not everyone is in such dire circumstances. There are individuals that do not have to worry about their very survival, just keeping utilities on. Adversity is the opportunity to find new answers to old problems. Micro-loans are making it possible for entrepreneurs to start businesses that are not dependent on banks, loan companies, or the stock market.

Organic food markets are springing up all over the country in the United States. Small home organic gardens are netting some pretty serious cash. The food production industry has scared the populace because the food dyes, additives and pesticides that are used. These chemicals have some serious consequences, such as cancer. The organic products do not have all these chemicals and therefore, are more desirable on the market. Many small organic farmers are earning a living with the produce that their small gardens are providing.

Again, in an adverse situation, this time it is the commercial food industry, the organic farmers are making strides forward to create a market that supports their local economy and themselves. Micro-loans have made it possible for organic farmers from New York to Florida to California and Washington State to start small farm operations producing purely organic foods.

The global economy is dependent on these entrepreneurs being able to produce products and goods that are vital to their society. Each of us has skills that can provide a means to earn a living and move forward. Learn what interests you and figure out a way to make a business of it. The power of positive thinking is what will turn this economy around, that and lots of hard work.

Is China a Threat to the Current Global Economic Leaders?

Many contend that China is no longer a threat to the global economic leading nations. Their reasoning is because oil prices have changed the game and China is not causing price spikes due to her thirst for energy and oil. Others say that with the Shanghai index losing some 20% in a matter of a week, that her economic engine is sputtering. Still others point to China's export numbers off over 35%. But let's not forget the World GDP average is down some 8% over all.

So nations like Germany and Japan may think they have some breathing room to China's rapid advancement for GDP rankings, but I assure you, that it is temporary in nature. And realize that China does not have to be a threat to appear threatening to the world.

Anyone that says China is no longer important would be missing the point, and watching too much world media economic or political punditry TV. China is a significant player and will be from here on out. Whom China aligns herself with will be important, but in the end China is still a force and power, and she isn't going anywhere.

So, when asked; "Is China a Threat to the Current Global Economic Leaders?" the answer is clearly yes, yes she is, nothing has changed in that regard and anything you see or hear is temporary in nature, and over the course of the next decade not even a hick-up or a speed bump really. Please consider this, because China has it in the Bag!

The Global Economic Crisis' Effects on Business

The global recession prompted due to several causes is a ghastly piece of news for each and every business in every country throughout the world. The tendency adopted in this recession by companies in their pursuit to survive during the chaotic time would be to enter into reviewing the headcount, as well as freezing the budget along with numerous cost reducing measures.

Nonetheless, it is possible that the growth of the company will be stunted in case you continue with the practice or overreact to the whole situation. It is seen with recession hitting the economy many of the internationally based business were enforced to reorganize their operations. This was mainly done by ceasing the functioning of the facilities of production. Millions of working people were required to quit their jobs due to the ongoing crisis. The course of action adopted by the company should be to come in the forefront and re-invent the proceeding of your company and at the same time think of procedures for global recovery.

The crisis is faced by the business is of great magnitude. Businesses around the globe were hit so hard by the economic crisis that several businesses had to seek monetary assistance from the government in order to survive. Several industries were in jeopardy and the others were facing the threat of bankruptcy. Practically for many monetary institutions it was like floor has been swept off under their feet. And as a conclusion the power if acquiring things by the public became feeble. The consumers were once again were very conscious about the budget.

Almost all people were forced to make their decisions carefully when it came to buying something as everyone was clueless about when the recovery from recession will take place. The trends in the market place began to fluctuate along with the demand of various products. Almost every business was affected by this global economic crisis but the companies that were hard hit were the companies having large scale operation along with those who provide their services at high prices. The consumers are now turning to the businesses which render similar services at comparatively cheap prices.

Businesses that can survive this economic recession in a better way are basically small as well as medium scale industries. Nonetheless, it does not suggest that they are not hit by economic crisis. The difference primarily lies in the fact that small as well as medium scale enterprises have comparatively undersized operations and have the ability to maintain the operation with fewer revenues. Such business usually has streamline way of operation which minimizes the total effect of the global crisis for survival.

The time span required by the international economy to recover is long as the magnitude of the crisis is large. Nations will have to strive hard to restructure their economy. What is further in store for us is hazy and the lucid picture is still to emerge. However, it is hoped that businesses will retain their normal position once again.

Kevin Allen is an author, artist and website developer with an interest in both the aesthetic, social, recreational, functional and business aspects of the internet.

In 2009 he used this knowledge to create an internet site about wine. [http://www.essentialfinewines.com/] gives visitors a chance to search through and learn about the most popular and exclusive wines. The most popular wine producing regions and grape varieties are discussed in depth on this site.

How FAP Turbo Can Help You Cope With the Current Global Economic Crisis

With the global economy facing its worst recession in decades, 2009 is a year every individual must learn to be prudent while looking for ways to boost their income. One such way is online forex currency trading using the amazing and new forex trading robot software, FAP Turbo. This software can help you cope with the current global economic crisis by doubling your money every single month.

This forex trading robot software is already breaking all the rules of online currency trading.

First, to cope with the economic crisis, you must save more and invest in areas that can provide additional income. You must learn to spend only on essentials and the very necessities of life - children's tuition, food, medical bills, clothing, etc. This year is not for partying and other frivolities as every cent matters to the family. You must cut your expenses and keep track of your spending every month.

Secondly, you must start looking for innovative ways to put the money you have saved to work. Since you may be combining your regular job with your new income generating activity, you must allow your money to work while you sleep. This way you can start your smooth journey to security and wealth even in the face of economic hardship. If you can start a part-time or home-based business alongside your regular job, then online forex currency trading business will be perfect for you. You can start making easy money online with FAP Turbo forex trading robot software immediately.

As stated earlier, FAP Turbo is a simple yet powerful forex trading robot software that is already transforming the lives of regular people all over the world by doubling their money every month in online forex currency trading with just a one-time acquisition.

Anyone can start buying and selling foreign currency from the comfort of his/her home or office without spending money on education or training. Just download the software, register with an online forex broker with MetaTrader4 trading platform and a PC or laptop with an internet connection and with a few clicks of your mouse, you will unleash the robot to start doubling your money every month while you go about your regular job.

What you are reading now will change your entire life forever! And like Isaac in the Bible, you will become exceeding rich even in times of famine.

The 3 IT geeks who created this software swore under oath and spent money and time in programming, researching, developing and testing this software that you will definitely be doubling your money every month while you sleep. The robot in live trading turned $370 into $7,300 in 2 short months. Can you beat that?

FAP Turbo is what you need to cope with the current economic crisis. According to Publilius Syrus, "Many receive advice; only the wise profit by it." Will you profit from this advice? Only time will tell! Build a legitimate online forex currency trading business you can be proud of and secure your family from the current global recession now.

A Look at the Top 10 MLM Companies

It is very difficult to rank who among the successful multi-level marketing MLM companies that exist today is the top 10 simply because there are a lot of factors to consider aside from the revenue that they generate annually. Two similar surveys for example would yield different results on who is at the top of the MLM companies' industry. But overall, the best companies can be found when you rank them because their dissimilarities would differ in just a few places.

The perceived largest MLM company worldwide is Avon, Inc. which has a worldwide reach with sales reaching almost 8 billion dollars annually. Avon also claims the title of having the most number of distributors and the one of the most trusted brand found in three continents. In addition to this, their international reach covers more than a hundred countries. Avon is also an advocate for issues that affects women worldwide. As a result, they build a well-liked brand that whose patronage is continually expanding because of their social responsibility.

The second placer is Mary Kay Cosmetics. If you would notice, both these companies have beauty products as their main product line and they regularly update their product offerings through research and development to sustain their growth. In addition to this, they have loyal patrons who continually buy their products and even their distributors themselves use what they offer.

Other MLM companies found in the top 10 include Arbonne International, Pampered Chef, Tupperware, Herbalife International, Kirby, Quixtar, Creative Memories, and Melaleuca. Of course, these rankings do vary when you consider other factors like popularity, members, and revenues. But basically, the top 10 up to the top 25 MLM companies usually remain constant with one or two new companies only showing up now and then. Other popular MLM companies include, Amway, Xango, Usana, Party Lite, Longaberger, Nikken, Amsoil, and Stampin Up. These MLM companies are bound to show up in the top 10 in the future if the industry leaders don't continually improve their operations because in MLM companies, your business is heavily dependent on your distributors that usually pay for their membership.

Other companies to watch out for in the future include Prepaid Legal, Tastefully Simple, Nuskin, Ameriplan, Mia Bella, Southern Living at Home, and Passion Parties. MLM companies typically focus on the essential everyday things as their product line. As a result, they can continue to expect sales month after month from the people who are satisfies with their products. In addition, because the top 10 MLM companies have distributors that have personal relationships with their clients, the clients have developed trust in their company even at the start. They also want to help their friend earn extra income and buying from their friends while enjoying great products is a win-win situation.

You've probably already noticed that the top MLM companies are heavily dependent on women both as their distributors and as their target market. A lot of research went into this and women are the ones who usually like to socialize with their girl friends. They also openly talk about the products that they use and endorse the products that do work. After realizing this, MLM companies know that the key to their success is keeping women happy with their products and the opportunities that they offer. Being in the top 10 MLM companies requires dedication on the part of the company and its members. And being on the top 10 is a great achievement in this field that requires commitment on the part of millions of members.

Expansion Consultants - Taking a Company Public - Finding the Right Consultant

If you are trying to grow your company, expand, raise capital or globalize your concept I'm going to give you some insider advice. Now, I hate to be the bearer of bad news and I hate to rain on your parade but chances are, if you're trying to achieve the above and you are doing it yourself you have about a 1% chance of succeeding. You need to hire a full service strategies consultant in order to do this properly as a qualified and full service consultant will evaluate your company and streamline the process with as few bumps in the road as possible.

Now here is the problem, entering into the realm of globalization strategists and pre IPOs is a world of shark infested waters and a sky that is down pouring with razorblades. Stay under water and get eaten alive or come up for air and get bled dry while you're sliced and diced by the elements. This is not a place for upstarts or armatures. There are consultants who prey on people just like you. They understand your emotional needs, economic ambitions and they know what you want to hear and the psychological criteria to feed the empty spaces in your soul. There are some slick willies out there. So if you are trying to get ahead and understand the realities of failure in going it alone how can you find a consultant that will get you where you need to go with as little headache as possible?

Good question. First of all, be weary of a consultant who is on your side from the beginning of the first conversation. The last thing you want is a happy go lucky consultant that is all smiles and laughs and immediately falls for the picture that you paint for him on your first call. This guy is a chump, he's naïve and chances are he'll take your retainer fee and 24 months later the only thing you'll have to show for it is a negative balance on your corporate checking account.

You want a consultant that is, um well, for a lack of a better term...a bastard. You need a hardnosed, arrogant, self centered power player who has developed a sense of confidence so pure that he would tell you to take a hike before he agrees to even look at your business plan to even consider bringing you on. You want a guy that will ask you or should I say "drill you" will questions in a way that makes you feel like you know nothing at all about your company, industry or your position. This breed of consultant, if he takes you on after qualifying you as a legitimate effort will turn your world upside-down and add jet fuel to your growth strategies and fill your company with the highest pedigreed executives in the industry, globalize your concept and not just take you public, but demand action from market makers, securities dealers and investor relations servants because his track record of success and strategic pre IPO picks are so obvious and dripping with success and profitability that these individuals in the market place have no choice but to act on his advice.

This is truly an industry where the nice guy gets eaten alive. When evaluating a globalization, positioning or IPO facilitation consultant everything is based off of track record, contacts and the aura that hovers around the consultant when they are walking into a room to negotiate on your behalf.

Is The Wrong Type of Equipment Finance Company Bad For (Business) Health?

They are all the same, aren't they? Absolutely, positively... not! We are of course talking about the equipment finance company industry in Canada and how your selection of the right partner can determine which advantages and disadvantages you can enjoy... or suffer with. We prefer positive advantages that your business can benefit with, not Canadian business financing decisions that you will suffer via the wrong choice of a lease partner for your specific needs.

Ok, so what in the heck are we talking about? Essentially there are four types of asset finance partners in the equipment leasing industry in Canada. And you thought that a lease finance company was a lease finance company!

The first type of partner is the 'captive' - no you are not the captive! The term refers simply to finance companies that are owned and literally situated within various manufacturing firms. When clients ask us about lease finance options and they mention specific equipment we are always reminding them to ensure they determine if the manufacturer captive finance firm offers asset financing. If they do we can assure you it is probably the best financial terms you will be able to come up with, as well as a better chance for overall approval re rate, structure and other general terms. Why is that?

It's to do with motivation - the captive finance firm is motivated to finance and promote the sale of products using financial options such as leasing to get the products out to the marketplace. Want to know a secret that should surprise most business owners and financial managers? It's simply that captive finance firms in a competing industry will finance their competitor's products, often at better rates, terms and structures. That is simply because the financial transaction will probably give the competing mfr a foothold into your business to promote and sell their own products. So don't think that a great firm such as IBM CREDIT CORP. is the only firm that will finance your products you purchase through them. Others will also!

The second main group of asset finance firms in Canada is our chartered banks - Two major banks have leasing arms that are very significant, others employ lease finance to varying degrees. Our real only comment here is that the credit bar is high and more often than not you have to be a customer of the bank to enjoy the great lease and finance structures they offer.

The third main category of the Canadian equipment leasing company market is actually the largest and most robust. It also requires the maximum amount of knowledge and navigation by Canadian business owners and financial managers. This is the Independent lease finance market, where there are tens of firms that offer lease financing based on various criteria of asset size, credit quality, geographical preference, industry specialization, etc, etc, etc.

You have a great choice with our category 3 partners, the independent finance companies. You can spend tens or hundreds of hours determining their credit criteria, additional collateral they require, the size of deals they do, the different lease structures they offer, or... alternatively.. use our final category for lease provider, the independent lease finance advisor who are knowledgeable intermediaries who know the market, have a strong reputation with lease providers, and can match the advantages you seek in an equipment finance transaction to the right provider. Subtle nuances in your overall lease structure, depending on the size of your transaction, can save you thousands of dollars and untold grief at the end of the term of your lease.

Interviewing Skills - Research Companies

So you've been lucky enough to get an interview, now how can you make sure that you can lock in an offer and get the job? I am going to keep this really simple: RESEARCH (learn) and PRACTICE.

First, So your RESEARCH and learn about potential companies and employers. The more you learn about the company you are interviewing for, the more interactive the interview will be and the more likely you are to stand out and rise above the competition.

Tap Network Resources

Start by seeing if there is anyone you know that works at the company you are interviewing with and ask them for key insights. Tap into the social and professional networking tools and get connected or re-connected. Next, do your job search and career planning research.

Top Websites for Company and Industry Research

Hoovers Online

A quick one-stop reference for business information: industry overviews, company directories, Fortune 500 lists and more.

BusinessWeek Online - Company Research

Search over 42,000 public and 322,000 private companies worldwide. Find stock quotes, news and press releases, financial data and key competitors. Research compensation, biographies, and board relationships of key company executives.

Forbes -Lists

Lists of everything imaginable - best small companies, best big companies, fastest growing, top private, world's biggest and more.

The Inc. 5000

Quickly get information on the top 5,000 fastest-growing private companies in the U.S. With a quick click on Top 100 Lists you can drill-down and get all sorts of statistics on the top 100 fastest growing private companies.


Easily search for news articles on the web on any given company, industry or topic. The site also has state and market links to every major media outlet: magazine, newspaper, TV and radio for easy access and on news with the U.S. and beyond .

Find Articles.com - Now Super-Powered by BNET

Another great news and article search tool that allows you to search by most popular topics, publications or by key categories and industries.

In summary, maximize your career planning time with these best career websites for research and learn all that you can about potential employers. Remember ... you can never be too prepared.

The Major Functions Of Trading Companies

The electronic boom at present has really changed the way people work in today's modern and fast going world. Everything has become easily accessible. One needs to click few mouse buttons and things are done in just a second. No one had ever imagined that such technological advancement would change the whole world. But, the time has come and everyone should be thankful to the modern technology and the minds that worked in bringing such a big revolution. Yes, from buying tickets to shopping online - everything is possible. This technological advancement has also given a new meaning to the investment world. The so-called online trading is the outcome of electronic revolution.

Unlike traditional brokerage house, today's trading system is easy and hassle free. Anyone can start trading from anywhere. You need not to contact the broker in person any more. Also there is no paper work - all you need is your online presence. This is the place where online trading companies play a very crucial role. These companies allow investors to trade online and in return they charge a very minimal commission rate. From your online presence to trading - everything is done on the company website. Moreover, there are other services, which are offered by these companies.

Industries are really playing the most crucial role in the Internet based trading process. And, with time, such companies are mushrooming in the market. To lure investors in this competitive environment, stock trading companies are offering more and more services at competitive rates. Though investors are getting benefited, but many get confused in choosing the right industry. In such a situation, investors need to do some comprehensive market research - select some major companies, compare their services, commission rates, and terms and conditions. This practice will really help them in picking up the right industry at affordable rates.

Once you choose the right industry, you need to open an account in order to invest online. And, once your account gets activated, you can trade online. In addition to providing an online account, the company website also provides other services such as online stockbroker, analytical tools, articles, news, stock quotes and more. Out of these services, your broker is one of the most important factors that determine your success in such trading. He is the person who does all kinds of transactions once you pass the instructions. Moreover, he also keeps you abreast of the latest market news, information about major market shares and more.

Many investors think that online trading process is not suitable for them, as they have never worked on computer. This kind of reluctance is normal, but computer knowledge is not compulsory. The company website has been designed in such a fashion that you can easily learn each and everything in just few minutes. Moreover, many company websites also provide video tutorials - watch the tutorial and learn everything without taking anyone's help. Since, the whole process is done online, investors can manage their funds from any corner of the world.

Online trading process is quite safe. All the company websites come equipped with security tools and investors account information is kept secret. In addition to all these benefits, you can also gain maximum profits in a short span of time. No other investment options are that much profitable.

Monday, February 27, 2012

Effects of the Global Economic Crisis: Abandonment of Pets

Although it is true that we humans have been affected by the economic crisis that recently hit the world, there are other individual sectors that have felt its wrath. In fact, it was not only human that got a feel of what the destruction was. One of those terribly affected by this calamity was the number of abandoned pets. This has been one of the problems of those who can no longer afford to pay for the needs of their pets. Instead of buying food and providing the necessary care for their pets, owners opted to leave them in the streets so they could feed themselves.

But because there was a limited number of space and supplies that shelters had, there were a vast number of pets that were euthanized. If they were lucky to get adopted, this was not an option to them. The unlucky ones though, were put to rest just so the pet shelters could continue to operate.

Even before the global economic crisis struck, an estimated number of cats and dogs which were at risk for becoming homeless was already done by the American Society for the Prevention of Cruelty to Animals. The study, conducted in 2008, showed that there would be 500,000 to 1 million of these pets that would lose their homes. A majority of which, were given up by their owners because they could no longer afford the luxury of having pets.

Aside from this obvious reason, there were a number of homeowners who decided to abandon their pets because they were invoking foreclosures. They gave up their homes so they could rent out an apartment which would not allow pets. Even before the housing crisis broke, the number of abandoned animals had already been at an alarming rate. To add, there was the obvious reason of expensive veterinary care.

While it is sad that there have been a number of individuals affected by the global economic crisis, the same can be said about these abandoned pets. These much-loved family members were given up by their previous owners. Truly, the effects of the crisis have been serious and ill-fated. We can only hope that it will soon end.

Global Economic Trends for 2012

Indeed, 2008 was the year about global economics and it is my contention, as well as the view of our think tank that 2012 will also be a year with global economics dominating much of the media. There are challenges all around the world, and I'd like to discuss a few these if I might.

One of the big challenges happens to do with Iran's nuclear weapons program, and the sanctions placed on that nation. Remember that Iran is a big oil exporter, and when the global community decided to do sanctions, it will hurt the economies of the world and raise the price of oil, causing more stress at a time when things are already tough globally.

Speaking of which the European Union will continue to be a slow motion train wreck, and the ECB will have to decide if it wishes to become a different kind of central bank with a lot more power, and if the member nations will be willing to go over that. In Asia, there are challenges with China's economy, not only inflation, but many other issues as well. Even if the economy slows down which it looks like it might, that doesn't mean prices will.

The challenges in Europe are affecting the United States and slowing our growth down to almost zero, although we are showing 1.8% GDP growth rate. I would submit to you that such estimates also have unknown factors, meaning they could be plus or minus 1.5% or practically zero. When the United States is firing on all cylinders, that high tide raises all boats, but we still have a drag on our economy namely the real estate market, and the unemployment issues.

The debt issues around the world are also going to be a challenge, not just in Europe but also in the United States. Corporate bonds have been doing well in the first quarter of 2012, but all these corporations with all that money in their coffers means that it's not flowing around for the consumer economy. As things appear to be getting back to normal in the United States, the federal government is still spending far more than it takes in. Cutbacks in the public sector after the election will also send more people to the unemployment lines.

If war does happen to break out this year in the Middle East, we will see a spike in oil prices, which will be a tax on all the economies of the world because everything moves by truck, ship, or plane. These are some of the issues and trends in global economics that we will see throughout this year. Please consider all this and think on it.

Balancing Act - Why Outsourcing Ushers Global Economic Equilibrium

A century ago, America was considered the pinnacle of economic development. Uncle Sam proudly waved his flag in every corner of the planet. The proliferation of the American Dream has paved the way for other countries to strive in every field. Corporate America's business mantras have been the gospel of every company, easily becoming the template for each business endeavor a firm embarks into. Skills, innovation, technology - name it, and America dished it to you like hot apple pie.

Every country wanted a piece of it.

Flash forward to 2009. It seems that America found itself in a quicksand of mediocrity. Firms have been closing shop. Jobs are being outsourced. The global economic crisis has overwhelmed most first world countries. Emerging countries on the other hand are proving that they can thrive and find opportunities in such a predicament. The meat of the matter is that companies are embracing the repercussions in the world of business. From the ashes of recession, a few and brave countries have emerged.

Detroit falls, automobile upstart Shanghai rises like the phoenix. The next Wall Street? You might find it in one of the districts of Mumbai. Global warming? The Philippines is making the most out of it. The solar power industry is on the rise here; Silicon Valley-based Solaria is counting on Filipino engineers to make a milestone in solar energy technology. IT services are in demand as well. Need proof? This kid blogger can make money more than you do.

The tides have turned. A few years ago, you had to go to the West, especially to America, to make it big in the world. Today, from auto to aviation, financial services to food consumption, power is rapidly shifting from the West to the East. You don't need the American Dream. People are chasing their own dreams back in their home countries.

For sure, the Chinese and Indians have been humbled by the recent global financial crisis. But, as President Barack Obama keeps reminding them, they can no longer depend on the US consumer for their economic success. The structure and boundaries of the new global marketplace are getting redefined, and the US consumer, instead of being the driver, is ending up being just another passenger on the bus.

It has been said that a country's economy is self-regulating. The same can be said of the global economic condition. The thing is, after the global financial crisis is over and done with, who will lead the pack?

Everything hangs in the balance for now.

Global Economic Meltdown Lurks Ahead

Just read a turbulently absorbing article by Simon Johnson, the British-American economist. He currently is the Ronald A. Kurtz Professor of Entrepreneurship at the Sloan School of Management at MIT. He has also been a Professor of Economics at Duke University's Fuqua School of Business. From March, 2007 through the end of August, 2008 he was Chief Economist of the International Monetary Fund. What follows is taken from material that was the basis of Professor Johnson's testimony before the Senate Budget Committee.

Despite all the statistics that might lead one to believe that economic recovery is in progress, these hide a brewing debt crisis in Europe. While smaller countries are mostly affected now, especially Greece, this could easily spill over to the United Kingdom and thwart European economic growth, causing the Euro to weaken, thus endangering economic growth worldwide.

While some European efforts are continuing in order to minimize the debt calamity to Greece, and to keep the damage from spreading to other countries, they are seen as too little, too late. The International Monetary Fund is not viewed as capable of playing a strong role for now. The PIIGS group of nations, Portugal, Ireland, Italy, Greece and Spain, will all be affected by strong pressure from speculative efforts against their credit. Because of the reluctance by their more powerful European counterparts to step in, PIIGS' economic weaknesses are being exploited by speculators.

Basically, these speculative efforts are coming from trading through the credit default swap market. Sound familiar? This very same method of operation is what brought down Lehman and AIG, to name but two. This trading behavior is so opaque, it is difficult to assess what exactly is transpiring, the general economic risks, and the status of the participants, among other factors, which could indeed melt-down more big banks and cause a full-on European-global economic catastrophe.

Allow me to quote Professor Johnson: "Another Lehman/AIG-type situation lurks somewhere on the European continent, and again G7 (and G20) leaders are slow to see the risk." And, as in America, fiscal stimulus funds have all but been drained, thus leaving little leverage to stop the bleeding if catastrophe strikes.

So, while boom times may eventually be ahead, the overall condition of the global economy leaves a shaky foundation from which to build upon. How all of this plays out is clearly uncertain. There are simply too many factors and unknowns to forecast the future other than in what-if terms.

Any way you cut it, prognostication having to do with economies of many nations and an entire world is dicey. But the links between separate economies and their effects on each other and the global economy at large are clear: we're all interconnected and inter-affected.

New Global Economic Leadership

The USA was not always the global economic leader. It took its current place more or less after the world wars. Before the USA, the UK was the global economic leader. The Sterling Pound was worth a lot more than what it is worth today relative to the Singapore Dollar. I remember my parents and my grandparents keeping the Sterling Pound when I was a kid. The exchange rate was S$7 to a Sterling Pound, if I remember their accounts correctly. Today, it is S$2.5 to a Sterling Pound. Not as sterling as before. So, global economic leadership shifted from the UK to the USA.

Now, Jim Rogers has said this many times and I agree with him: economic leadership is shifting once more and the next 100 years will see Asia taking over the reigns of global economic leadership and he expects China to take the lead.

This is why I have also shared my views with friends that my favourite currencies, apart from gold, are the RMB and the Indonesian Rupiah. I've a bit of all three and intend to accumulate more gold. The RMB and the Rupiah are fiat currencies like the US$ but they have not been abused and are not as flawed. The RMB is backed by enormous reserves and the Rupiah is the currency of a country with abundant natural resources which the world demands. Untouched by CDOs, these countries' banks were unscathed.

The Chinese economy is large and dynamic. However, it has to undergo a huge behavioral and structural transformation for the Chinese to consume more and to rely less on exports. Why do I say this? Let us look at Indonesia. It has a population of 240 million, a far cry from China's 1.6 billion, and private consumption forms 60% of its GDP. In China, private consumption forms only 36% of its GDP.

Many might or might not know this but "China's consumption-to-GDP ratio has dropped by nearly 15 percentage points since 1990 and continues to deteriorate in the aftermath of the financial crisis. The sources of China's low consumption rate are both behavioral and structural." This was in a recent report by McKinsey.

Asia might be the future economic powerhouse of the world and China might become the leader but the journey has only begun. The transformation will take time.

Global Economic Power Shifts From The U.S. And Europe To Asia

India just reported GDP growth of 9.4% for the fiscal year ended March 2007. This is way above the 8% predicted rate of growth and moving toward China's stunning 10.4% growth rate.

India, like China is becoming an engine of global growth. The U.S. is clearly no longer the important engine of global growth that it once was. Let us face facts. The U.S. has lost much of its global political leadership, and now its global economic leadership is coming into question.

The U.S. is still the world's biggest economy, but with a growth rate of less than 1% in the last quarter, and with close to double digit growth in India and China there is little doubt that the U.S. will lose its status as the world's biggest economy within a decade if these trends persist.

We are American, and we are pro-America, but we are also realists. Let us invest in those areas where the money is to be made. Let us invest in the countries that are growing fast and in the commodities and precious metals which will benefit from these trends. Let us look at the transportation companies whose products and services are necessary to effectuate this growth and at the energy and base metals which are the building blocks of any economy. Let us also look at the global financial intermediaries that will provide the financing for this growth and at the precious metals stocks where many of the profits will be invested.

In our opinion, gold will play a major part as a vehicle that central banks will acquire to strengthen their balance sheets. Recently, Spain sold some gold. The buyers were the central banks of countries with growing economies-the buyers were Asian central banks.

As power shifts from the U.S. and Europe to Asia, so do the central bank gold holdings shift from U.S. and Europe to Asia.

For more information on global investment visit http://www.howtoinvestglobally.com For more information on Monty Guild's investment management visit http://www.guildinvestment.com

These articles are for informational purposes only and are not intended to be a solicitation, offering or recommendation of any security. Guild Investment Management does not represent that the securities, products, or services discussed in this web site are suitable or appropriate for all investors. Any market analysis constitutes an opinion that may not be correct. Readers must make their own independent investment decisions. The information in this article is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject Guild Investment Management to any registration requirement within such jurisdiction or country.

Any opinions expressed herein, are subject to change without notice. In addition, there are many market, currency, economic, political, business, technological and other risks that are beyond our control. We make reasonable efforts to provide accurate content in these articles; however, some content and some of the assumptions, formulas, algorithms and other data that impact the content may be inaccurate, outdated, or otherwise inappropriate. In addition, we may have conflicts of interest with respect to any investments mentioned. Our principals and our clients may hold positions in investments mentioned on the site or we may take positions contrary to investments mentioned.

Guild's current and past market commentaries are protected by copyright. Apart from any use permitted under the Copyright Act, you must not copy, frame, modify, transmit or distribute the market commentaries, without seeking the prior consent of Guild.

Monty Guild founded Guild Investment Management in 1971. Prior to founding the company he was an analyst at a bank and a hedge fund. Mr. Guild is a recognized expert in the areas of international investing and economics. He has been a writer and speaker on economic issues for 30 plus years and has been widely quoted in the world media. He holds a BA in economics and an MBA with highest honors.

Global Economic Collapse - A Worldwide Domino Effect

Economists fear that there is a Global economic collapse brewing as there has been a lot of factors that could work together to produce a global domino effect. Suppose a foreign nation, or a number of large corporations, defaults. One or two major banks could go bankrupt. This, in turn, could frighten depositors in other banks, who might start a frenzy of bank withdrawals. Since banks keep only a moderate amount of cash on hand, there could be a massive liquidity crisis. Bankers would be desperate for cash. This chain reaction could expand into a global economic collapse!

Bankers nevertheless say that Global economic collapse is highly unlikely. A former chairman of the Chase Manhattan Bank claimed in a recent interview that the banking system "is very sound." True, "banks do a lot of business with one another, so there is tremendous interdependence." But he felt it "most unlikely" that such a Global economic collapse would pull down the world banking system. Since the success of the banking system rests on public confidence, however, it is understandable that banking leaders speak so optimistically.

'But surely a nation would not allow its major banks to fail,' you might say. But that is exactly what the central Bank of Italy did! In 1982, the collapse of the Banco Ambrosiano received much publicity because of its close connection with the Vatican. When the scandal-ridden bank failed, the Bank of Italy, to the surprise and consternation of European bankers, withdrew its support. Bankers fear this may have set a dangerous precedent to future Global economic collapse situation down the track.

Though many claims that this state is unlikely to happen, one must always be prepared for worst.

How the Evolution in Industrial Hot Water Systems Can Save Energy

Most industries have made energy efficiency and waste management a top priority to ensure that they gain maximum profit. In almost every country today, there are high penalties for the wasteful use of energy and the improper disposal of waste materials. Heating water and other liquids is a process necessary for many industries. Most of them will need to know how to take advantage of the technological developments in industrial hot water systems.

Meat processing industries do not realize that the equipment they are using may be obsolete and inefficient with today's standards. Most industrial heaters manufactured to standard specifications only have 65% efficiency in heating. This means that they are using twice the energy required to heat their products. While they are making profits, the industries will have to reduce the amount they make for the energy bills they receive monthly.

The technological advances in water heating systems salvage heating energy possible from waste materials. For example, a utilize heat reclaimer utilized to get the heat from waste hot water to the passages of fresh cold water is capable of pre-heating the water from 10% to 30% before it passes into the actual heating mechanism. Around 70% to 95% will be the efficiency of the mechanism to heat the water, saving industries from unnecessary additional costs.

As another example, specially designed boiler economizers make use of the waste energy that goes up the boiler exhaust. They reclaim the heat passing through the boiler exhaust that helps pre-heat the water close to 40%, helping boilers operate more effectively in heating the water. At this point, one can see the benefits of having these particular resource-saving mechanisms in their company.

There are many engineering companies willing to do a case study on your business. After assessment, they propose ideas on how to maximize the use of your equipment efficiently and what they need to build to accomplish this. Having specially designed equipment for your business are great investments indeed. They can help you maximize your profits by eliminating the energy and waste concerns of your company.

Industrial Machinery for Woodworking: Making Your Work Easier

Companies are always looking for the perfect method to manufacture or make products the easier way. There are new systems developed to ensure that entire processes are effective and products are of good quality. It is then very important to look for good woodworking machinery for your industrial needs. There are many reasons why other firms decide to switch from one supplier to another. One good reason is companies are looking for exceptional quality and efficiency in all products. Businesses have different needs and finding the right solution to their problems is the best way to do so. Choosing the best industrial machine equipment avoids the delay of service and can provide accuracy and consistency. All industries have different quality standards and producing high end equipment will be the best bet for companies.

Several Functions of Woodworking Machinery:

There are several products used for woodworking and these are considered by major companies. Industrial machinery has been around for years and it keeps the service more efficient. The Computer Numerical Controlled (CNC) router is a machine run by a computer program that manages efficiency in cutting metal, wood or even plastic. The main advantage of these is that they control the performance and make everything easier for the manufacturers and end users. New generation routers simply have buttons to press on a computer that automatically runs the machine. This was created to cut different types of wood according to the preferences of the consumer. One good thing about them is they manage the movement. Routers are also perfect for others who have different interests. Whether it is your passion or hobby, routers used for cutting can have a huge edge over typical machines, and that is innovation.

Another feature of industrial machine equipment is that a person can produce different shapes and sizes depending on the need. A lot of industries prefer this type of router since its functions are easier to understand and you get faster results. There are also non-computer based ones that mainly control the movement using a foot pedal. This helps users hold the wood and prevent it from falling in case accidents happen. Some of them have a few features to adjust the movement or motion when wood cutting starts. The usage of this feature depends on the thickness and length of the wood. With a few adjustments on the machine, you can cut the wood according to your style and form shapes to give it a brand new look.

Other Uses of Woodworking Machinery:

Industrial machine equipment promote enhancement and brings technology to a different level. Routers are also perfect for commercial and residential purposes since it has safety features that can be controlled by machines and end users. Before purchasing these kinds of equipment, it is important to understand all the instructions that usually come with the product. This will help you to know the overall features and avoid accidents at home or in the workplace.

Shipping Companies in Norway - Facing New Challenges and Seizing New Opportunities

The economy in Norway is undergoing a period of transformation as it prepares for a post-petroleum era. Norway is facing the challenge of re-inventing its economy. The freight services industry in Norway is also looking to adapt and embrace new opportunities in response to changing market conditions.

Norway is a country that is extremely rich in natural resources and its economy has been largely based on exploiting these natural strengths in oil, gas and minerals. Norway's largest export is petroleum and petroleum products. In fact, petroleum and natural gas currently account for nearly half of its total exports and it is the world's third largest exporter of oil and gas. However, the challenge is now to adapt to the fact that the North Sea has past its peak oil production. Norway's offshore Oil production peaked in 2002 and so the Norwegian government is well aware that it cannot depend on oil revenues indefinitely into the future. The challenge facing Norway is diversification of its economy, so that it can maintain its high standard of living into a post-petroleum future.

So over the last decade, Norway has faced the challenge and begun a process of reshaping its economy by diversifying into new sectors so it can prosper after petroleum revenues decrease. This includes government support to create a competitive private sector with strengths in IT and technology. Norway is now encouraging the growth of small businesses and encouraging new private sector industry in a number of ways. By doing so, it is following the approach earlier adopted successfully by its neighbours Sweden and Finland.

Norway is fortunate in that is in a strong economic position and is one of the world's richest countries per head. Norway has large foreign trade surpluses due to the high cost of oil in recent times. This is enabling the government to invest in developing new industries to support its strategy of diversification.

The Norwegian government is thus able to help support the freight services sector as it faces the challenge of adapting to new conditions.

One of the private sector industries that is robust and growing in Norway in shipping. Shipping companies originally developed in Norway to serve the offshore petrolem industry and have now achieved a dominant market position. In fact, the shipping fleet in Norway is one of the most modern in the world.

Shipping and freight services has therefore been identified as an industry to be further developed and strengthened in future, as a key part of the Norwegian economy.

As shipping companies face the new challenges, the sector is showing innovation as shipping companies identify and seize new opportunities that are relevant for the post petroleum era.

For example, the Norwegian freight company sector is set to break new ground with the launch of the world's first gas-powered ro-ro vessels. Norwegian shipping company Sea-Cargo AS is building the vessels and they are expected to be launched by 2010. With the focus on lower exhaust emissions from short sea and coastal vessels, Sea Cargo AS identified liquified natural gas as the fuel of the future. These vessels will reduce CO2 emissions by 25% compared with a vessel run on conventional fuel.

Another way in which the freight transport sector is facing the challenge of new opportunities is exploiting new markets, created by changing economic conditions. An especially important area of opportunity for shipping companies in Norway is the Baltic Sea Region.

Norway, like its neighbour Finland, has a significant role to play in serving the Baltic region. Although the global economic crisis is having a negative impact on freight forwarding in many countries worldwide, international freight to and from the Baltics remains a growth area. The majority of shipping companies and economic commentators are expecting growth in the Baltic region to continue to be strong in the next few years. This will strengthen the freight services sector in those countries like Norway and Finland on which freight transport to the Baltic region depends.

The Baltic Region is now a main trading area for the freight forwarding and shipping company industry based in Bergen. They offer a frequent service to the Baltic Region, mainly with its fleet of side door vessels.The main item requiring freight transport is frozen fish from Norway, Scotland and Iceland. This is transported to many destinations in the Baltic Region. This is an expanding market, with an increasing demand for fish products as the buying power of customers increases in the countries that make up the Baltic Region.

In ways such as these, shipping companies in Norway are showing that they can identify and seize the new opportunities created by changing market conditions. This means that the freight forwarding and international freight industry in Norway face a bright future as they rise to the challenge of responding to change.

Investing in the Healthcare Industry - Options for Healthy Returns

Investors looking for opportunities to get in on the huge healthcare market in the United States have several options. Investing in the healthcare industry can be in the form of health insurance companies, hospitals, medical supply companies, pharmaceutical companies, REIT - healthcare facilities, and more. Finding the right investment vehicle for your needs is a matter of deciding what level of risk you can handle, the amount you want to invest, and what type of return you are looking for. Probably the best average return on investment in this industry comes from the REIT - healthcare facilities sector.

REIT stands for real estate investment trust. REIT companies are companies that combine investing in the healthcare industry, real estate investing, and stock market investing. A REIT company is a company whose whole business is to invest in real estate. They are companies typically specialized in a specific type of property, like residences, retail, hotels, healthcare facilities, and more. The structure of a REIT is specially formed for tax benefits. At least seventy-five percent of the assets and income has to be in the real estate investments. The corporate profits that would be taxable can be tax free if they are distributed back to the shareholders in the form of dividends. To follow the rules for a REIT, at least ninety percent of the profits must be given out this way.

The healthcare facilities REIT company industry averaged 24.6% profit margins in 2008. This means that there was a nice hefty profit made by the investors in this field. Investing in the healthcare industry in the area of pharmaceuticals can also be very profitable because pharmaceutical companies have huge profit margins. However, so many issues, like clinical trial results, rumor, public opinion, and current events, effect the rise and fall of stock prices that investors should monitor investments in this sector fairly closely.

Health insurance companies also offer opportunities for investing in the healthcare industry. This sector is considered to be a stable investment because people need health insurance even in tough economic times. The constancy of the need and structuring of the insurance company can offset the dips in membership due to unemployment levels rising. Many health insurance companies also offer different branches of services like life insurance, dental insurance, accident insurance, and vision insurance, the performance of these companies can also affect the overall value of the company and its stocks.

Industrial Units and Commercial Property

Commercial property, industrial units and offices are becoming more and more valuable to their owners. Whether bought to use by the owner or bought to let to other businesses, the value of these units and offices have huge potential for long term capital gain.

Every business whether service based or manufacturing needs premises to operate from and this is what makes industrial units and commercial property so valuable. Owning a commercial property gives a business a major advantage. It increases the value of a business hugely and means that a company has a valuable asset which can be used in various different ways. Firstly, owning and using the property eliminates rental bills incurred when a company has to rent their industrial unit or office from another company. Secondly, the business has a sellable asset which can be turned into capital if necessary. Finally, the business can create revenue by renting out all or part of the unit to another company.

Industrial units and offices can vary hugely in size and design. From small 1000 square foot office space through to 30000 square foot industrial units encompassing storage space, offices, workshops and manufacturing areas. The offices and units can be used simply for storage and be very simple in design and facilities, consisting of merely shelving, lighting and a lockable roller shutter door. On the other end of the spectrum the commercial property can be multi faceted and consist of purpose built reception and office areas including toilets, kitchens and pedestrian entrances coupled with industrial units with the room to store goods and fully working industrial machines to allow for manufacturing and production.

Industrial units, offices and commercial property all need to be designed and built to high standards. They must be equipped with all the facilities needed by a modern company on a day to day basis. Any business needs a good quality property, whether bought or leased, in order to perform their own functions to a high standard. A small internet service company for example must have offices which allow for their employees to work in comfort and carry out their tasks and also must have very secure and high standard storage spaced for servers and computer equipment. The quality of build and workmanship needs to be of the highest quality to ensure both comfort and functionality for the employees. As well as this an industrial unit built to high standards will retain its value as an asset for longer than one of inferior quality and will also allow for higher rent to be demanded from potential tenants.

Companies who design and build these industrial units and offices need to not only design and build the commercial properties but also offer services such as detailed drawings for planning permission, structural calculations, reports for building regulators, layouts and footing design diagrams as well as free estimates. R3 North West perform all these tasks for their clients as well as designing and building top specification and high quality industrial units and offices. Their exciting and modern designs are all built to the highest standards and offer businesses solutions to problems with premises.

Industrial Logos - Effective Brand Ambassadors

Industrial logos are a company's face in the marketplace. These logos reflect a company's image and, thus, impact the response of its potential customers. An industrial logo that does not aptly reflect a company's business can actually have a negative impact on the company's image. Good industrial logos tend to become famous and are remembered by people for times to come. Some such examples are the logos of 3M, Toyota Motors and Harley Davidson.

Now, what makes some industrial logos famous? A very high percentage of industrial logos that become famous are the ones that are simple in design, with no fancy colors or graphic designing. Some of them simply use fonts and are a combination of only one or two colors. Yet they are excellent memory triggers.

Basic Features of Good Industrial Logos

Here are some basic tips for designing good industrial logos:

Should be simple
Should not be confusing
Should represent the true nature of a company's business
Should be attractive enough to make an instant impact on the minds of viewers
Should adhere to designing rules
Should make an appropriate use of colors, fonts and styles
Should be equally effective when produced in black and white mode as when it is in the color mode
The output should be equally effective irrespective of the size
Should not lose its attractiveness when reproduced on different mediums
Should stand out and not be a copy of an existing logo
Should reflect the long-term nature or business of the company

Industrial logos are the first step in building a brand and presenting an industrial company's image to its prospective and existing customers and to its associates. Used in all types of communication, such as letterheads, visiting cards, banners, posters and nameplates, industrial logos need to convey an appropriate and accurate image to the targeted audience.

Designing Industrial Logos

Two options for developing industrial logos are available. In the first case, a company can choose a pre-designed template offered by any of the logo designers and modify it to put its own name. Such logos are not unique and not as effective as custom made logos. However, they are perfect for price sensitive companies. Custom made designs are the best option, since they are developed after incorporating the suggestions of both the company and the designer. While the company can present the true picture of its business and products as well as express its preference for a particular, a graphics designers knows how to convert that into good designs. Industrial logos can be designed by choosing one or a mix of designs incorporating iconic or graphic images, illustrative designs or a font-based design.

BPO Industry in India - A Report

Business process outsourcing (BPO) is a broad term referring to outsourcing in all fields. A BPO differentiates itself by either putting in new technology or applying existing technology in a new way to improve a process.

Business Process Outsourcing (BPO) is the delegation of one or more IT-intensive business processes to an external provider that in turn owns, administers and manages the selected process based on defined and measurable performance criteria. Business Process Outsourcing (BPO) is one of the fastest growing segments of the Information Technology Enabled Services (ITES) industry.

Few of the motivation factors as to why BPO is gaining ground are:

Factor Cost Advantage

Economy of Scale

Business Risk Mitigation

Superior Competency

Utilization Improvement

Generally outsourcing can be defined as - An organization entering into a contract with another organization to operate and manage one or more of its business processes.

Different Types of Services Being Offered By BPO's

Customer Support Services

Our customer service offerings create a virtual customer service center to manage customer concerns and queries through multiple channels including voice, e-mail and chat on a 24/7 and 365 days basis.

Service Example: Customers calling to check on their order status, customers calling to check for information on products and services, customers calling to verify their account status, customers calling to check their reservation status etc.

Technical Support Services

Our technical support offerings include round-the-clock technical support and problem resolution for OEM customers and computer hardware, software, peripherals and Internet infrastructure manufacturing companies. These include installation and product support, up & running support, troubleshooting and Usage support.

Service Example: Customers calling to resolve a problem with their home PC, customers calling to understand how to dial up to their ISP, customers calling with a problem with their software or hardware.

Telemarketing Services

Our telesales and telemarketing outsourcing services target interaction with potential customers for 'prospecting' like either for generating interest in products and services, or to up-sell / promte and cross sell to an existing customer base or to complete the sales process online.

Service Example: Outbound calling to sell wireless services for a telecom provider, outbound calling to retail households to sell leisure holidays, outbound calling to existing customers to sell a new rate card for a mobile service provider or outbound calling to sell credit or debit cards etc.

Employee IT Help-desk Services

Our employee IT help-desk services provide technical problem resolution and support for corporate employees.

Service Example: of this service include level 1 and 2 multi-channel support across a wide range of shrink wrapped and LOB applications, system problem resolutions related to desktop, notebooks, OS, connectivity etc., office productivity tools support including browsers and mail, new service requests, IT operational issues, product usage queries, routing specific requests to designated contacts and remote diagnostics etc.

Insurance Processing

Our insurance processing services provide specialized solutions to the insurance sector and support critical business processes applicable to the industry right from new business acquisition to policy maintenance to claims processing.

Service Example:

New Business / Promotion:

Inbound/outbound sales, Initial Setup, Case Management, Underwriting, Risk assessment, Policy issuance etc.

Policy Maintenance / Management:

Record Changes like Name, Beneficiary, Nominee, Address; Collateral verification, Surrender Audits Accounts Receivable, Accounting, Claim Overpayment, Customer care service via voice/email etc.

Data Entry Services / Data Processing Services
Service Example:

Data entry from Paper/Books with highest accuracy and fast turn around time (TAT)

Data entry from Image file in any format

Business Transaction Data entry like sales / purchase / payroll.

Data entry of E-Books / Electronic Books

Data Entry : Yellow Pages / White Pages Keying

Data Entry and compilation from Web site

Data Capture / Collection

Business Card Data Entry into any Format

Data Entry from hardcopy/Printed Material into text or required format

Data Entry into Software Program and application

Receipt and Bill Data Entry

Catalog Data Entry.

Data Entry for Mailing List/Mailing Label.

Manuscripting typing in to word

Taped Transcription in to word.

Copy, Paste, Editing, Sorting, Indexing Data into required format etc.

Data Conversion Services
Service Example:

Conversion of data across various databases on different platforms

Data Conversion via Input / Output for various media.

Data Conversion for databases, word processors, spreadsheets, and many other standard and custom-made software packages as per requirement.

Conversion from Page maker to PDF format.

Conversion from Ms-Word to HTML format

Conversion from Text to Word Perfect.

Conversion from Text to Word to HTML and Acrobat

Convert Raw Data into required MS Office formats.

Text to PDF and PDF to Word / Text / Doc

Data Compilation in PDF from Several Sources.

E-Book Conversion etc.

Scanning, OCR with Editing & Indexing Services
Service Example:

High speed Image-Scanning and Data capture services

High speed large volume scanning

OCR Data From Scanned page / image

Scan & OCR paper Book in to CD.

ADOBE PDF Conversion Services.

Conversion from paper or e-file to various formats

Book Keeping and Accounting Services
Service Example:

General Ledger

Accounts Receivables and Accounts Payable

Financial Statements

Bank Reconciliation

Assets / Equipment Ledgers etc.

Form Processing Services:

Service Example:

Insurance claim form

Medical Form / Medical billing

Online Form Processing

Payrol Processing etc.

Internet / Online / Web Research

Service Example:

Internet Search, Product Research, Market Research, Survey, Analysis.
Web and Mailing list research etc.

Challenges for a HR Professional in BPO

Brand equity: People still consider BPO to be "low brow", thus making it difficult to attract the best talent.

Standard pre-job training: Again, due to the wide variety of the jobs, lack of general clarity on skill sets, etc, there is no standard curriculum, which could be designed and followed.

Benchmarks: There are hardly any benchmarks for compensation and benefits, performance or HR policies. Everyone is charting their own course.

Customer-companies tend to demand better results from outsourcing partners than what they could actually expect from their own departments. "When the job is being done 10,000 miles away, demands on parameters such as quality, turn around timeliness, information security, business continuity and disaster recovery, etc, are far higher than at home. So, how to be more efficient than the original?

Lack of focused training and certifications
Given this background, the recruiting and compensation challenges of HR departments are only understandable.

Key To success

The key to success in ramping up talent in a BPO environment is a rapid training module. The training component has to be seen as an important sub-process, requiring constant re-engineering.
Business Process Outsourcing: The Top Rankers
WNS has emerged as the top BPO in India, pushing Wipro Spectramind to the second position, according to a survey done by NASSCOM. The basis of ranking is the revenues generated by the BPO companies in 2003-04, as per US GAAP. A list of top fifteen BPO companies in India is given below.

WNS Group

Wipro Spectramind

Daksh e-Services


HCL Technologies


ICICI Onesource




GTL Ltd.



24/7 Customer

Sutherland Technologies

The parameters for the survey was: Employee Size (Operation level executives), Percentage of last salary hike, Cost to company , Overall Satisfaction Score, Composite Satisfaction, Company Culture, Job Content / Growth, Training , Salary and Compensation , Appraisal System, People, Preferred Company: (Percentage of respondents of a company who named their own company as the preferred one), Dream Company: (Percentage of respondents in the total sample who preferred a particular company).

Employee Benefits Provided By Majoriy Of the BPO Companies
Provident Fund: As per the statutory guidelines, the employee is required to contribute a percentage of his basic salary and DA to a common fund. The employer for this fund contributes as well. The employee can use the amount deposited in this fund for various personal purposes such as purchase of a new house, marriage etc.

Gratuity: Gratuity is one of the retrial benefits given to the employee in which the employer every year contributes a particular amount. The fund created can be used by the employee for the purpose of long-term investment in various things such as a house etc.

Group Mediclaim Insurance Scheme: This insurance scheme is to provide adequate insurance coverage of employees for expenses related to hospitalization due to illness, disease or injury or pregnancy in case of female employees or spouse of male employees. All employees and their dependent family members are eligible. Dependent family members include spouse, non-earning parents and children above three months

Personal Accident Insurance Scheme: This scheme is to provide adequate insurance coverage for Hospitalization expenses arising out of injuries sustained in an accident.

Subsidized Food and Transportation: The organizations provides transportation facility to all the employees from home till office at subsidized rates. The lunch provided is also subsidized.

Company Leased Accommodation: Some of the companies provides shared accommodation for all the out station employees, in fact some of the BPO companies also undertakes to pay electricity/water bills as well as the Society charges for the shared accommodation. The purpose is to provide to the employees to lead a more comfortable work life balance.

Recreation, Cafeteria, ATM and Concierge facilities: The recreation facilities include pool tables, chess tables and coffee bars. Companies also have well equipped gyms, personal trainers and showers at facilities.

Corporate Credit Card: The main purpose of the corporate credit card is enable the timely and efficient payment of official expenses which the employees undertake for purposes such as travel related expenses like Hotel bills, Air tickets etc

Cellular Phone / Laptop: Cellular phone and / or Laptop is provided to the employees on the basis of business need. The employee is responsible for the maintenance and safeguarding of the asset.

Personal Health Care (Regular medical check-ups): Some of the BPO'S provides the facility for extensive health check-up. For employees with above 40 years of age, the medical check-up can be done once a year.

Loans: Many BPO companies provides loan facility on three different occasions: Employees are provided with financial assistance in case of a medical emergency. Employees are also provided with financial assistance at the time of their wedding. And, The new recruits are provided with interest free loans to assist them in their initial settlement at the work location.

Educational Benefits: Many BPO companies have this policy to develop the personality and knowledge level of their employees and hence reimburses the expenses incurred towards tuition fees, examination fees, and purchase of books subject, for pursuing MBA, and/or other management qualification at India's top most Business Schools.

Performance based incentives: In many BPO companies they have plans for , performance based incentive scheme. The parameters for calculation are process performance i.e. speed, accuracy and productivity of each process. The Pay for Performance can be as much as 22% of the salary.

Flexi-time: The main objective of the flextime policy is to provide opportunity to employees to work with flexible work schedules and set out conditions for availing this provision. Flexible work schedules are initiated by employees and approved by management to meet business commitments while supporting employee personal life needs .The factors on which Flexi time is allowed to an employee include: Child or Parent care, Health situation, Maternity, Formal education program

Flexible Salary Benefits: Its main objective is to provide flexibility to the employees to plan a tax-effective compensation structure by balancing the monthly net income, yearly benefits and income tax payable. It is applicable of all the employees of the organization. The Salary consists of Basic, DA and Conveyance Allowance. The Flexible Benefit Plan consists of: House Rent Allowance, Leave Travel Assistance, Medical Reimbursement, Special Allowance

Regular Get together and other cultural programs: The companies organizes cultural program as and when possible but most of the times, once in a quarter, in which all the employees are given an opportunity to display their talents in dramatics, singing, acting, dancing etc. Apart from that the organizations also conduct various sports programs such as Cricket, football, etc and regularly play matches with the teams of other organizations and colleges.

Wedding Day Gift: Employee is given a gift voucher of Rs. 2000/- to Rs. 7000/- based on their level in the organization.

Employee Referral Scheme: In several companies employee referral scheme is implemented to encourage employees to refer friends and relatives for employment in the organization.

Paid Days Off

Maternity Leave

Employee Stock Option Plan

Inspite of all these benefits, the attrition rate in BPO industry is very high, why?. What is the reason for an employee to leave? These and many more are the questions that need immediate attention from the industrial gurus.

Why people prefer to join BPO's?

In general a person with any graduation can join any of the BPO. Some BPO's like to take people with MBA but then again the specialization are of an individual hardly makes any difference. Again, this is the industry, where there is no reference checks and very often people don't even specify there exact age. Lets me share with you some of the reasons as why people prefer to join a BPO:

Did not get a better job.

Find nothing better to do.

Education level doesn't matter

Good work environment

Good Benefits

Flexibility of time

Attractive life style

Transport facility

Why people leave the BPO's?

When there are so many benefits associated with BPO industry....when there are so many privileges for the BPO employees than what makes them to change the company/industry?? Is it only MONEY that matters or anything else as well?? Here are some of the reasons for a BPO professional to change his/her job.

No growth opportunity/lack of promotion

For higher Salary

For Higher education

Misguidance by the company

Policies and procedures are not conducive

No personal life

Physical strains

Uneasy relationship with peers or managers

What they have to say?

With so much of uncertainty in the market.....people are trying their best to stop or to at least have a control on the attrition rate...let me share with you the opinion of the real gurus of the industry.

"Training is a very important aspect of the ITES-BPO industry"- Mr. Arjun Vaznaik, COO, Tracmail

" Career growth in the industry is robust and there is a long-term opportunity. The great growth momentum that the industry is witnessing is creating both vertical and lateral career opportunities. There also exists enough growth opportunities in the middle-management and supervisory level within the industry". - Aadesh Goyal, Executive Vice President & GM, Hughes BPO Services