Defining Productivity

Generally productivity means many things in many other different fields. Even in business where it has its nearest relations, productivity is defined variously according to the aspect that is studied. (Reportedly, there are around 20 definitions of productivity related to business.)

Productivity concepts

Most of these concepts relate to productivity as a relationship between output and input to the studied systems. It contains variables and other inter-relationships within the precise group it belongs to (office, manufacturing plant, machinery systems, etc).

It is also regarded as a stimulus-response model that an input causes an output. Universally, for purposes of simplicity, it is output divided by input. However, there is some confusion to this view.

Formally, in most circles productivity is “strictly a relationship between resources that come into an organizational system over a given period of time and outputs generated with those resources over the same period of time.”

Variables

In a factory, for example, productivity measures connected with input factors (labor, capital, etc) are inadequate and can be misleading sometimes.

On one hand, input factors cannot be studied while isolated by themselves. Productivity improvement in one aspect is generally at the cost of the other. Also, labor as an input factor is present in all phases. On the other hand, managerial resource (another important input factor) is not counted in such measures. 

However, the rest of the many concepts consign productivity in an output-input relationship, mostly relevant to a production system. This implies that there is an organization that works as a physical system with variables and other inter-relationships within.

Objectives

Experts Sardina and Vrat declared that those who will undertake productivity measurements should have three objectives.

One, potential improvements must be identified. Two, a decision must be made to reallocate resources. And three, it should present how well the previously established goals were determined.

Performance and financial productivity

There is a difference between these two factors. Performance productivity is based on the number of produced outputs.

For example: company X had produced 100 units of products in one week, and in the next, was able to come with 120 units. The performance productivity would have increased by 20%.

In comparison, the focus on the output value is grouped as a financial productivity. Suppose that company X had produced 100 units of products in the first and second week.

However, the selling price was raised from $1.00 to $1.20 per unit in the second week. The financial productivity would have been increased by 20% but with no increase in output.

This is misleading, too. If, on the other hand, the company sells 120 product items at $1.20 each but in the second week the price is dropped by 16.7%, the result is still $120 in sales.

From a financial viewpoint, there is no change while from a performance point there had been change. (They had to produce 20 more items.)

Definitions

Thus far, managers cannot pinpoint productivity’s definitions, measurements and improvements. On the same vein, they cannot define the performance’s concepts, measurements, and improvements as well.

This demonstrates that there might be a number of perspectives in viewing productivity. Following that viewpoint, there could also be a number of different measures in assessing productivity.

Check your Free Credit Report and Be Cautious of your Score

By: Austin Spencer 

Want to determine your financial creditworthiness?

Have a credit check and determine your personal credit score.

Credit check is usually done to prove whether you are acceptable for a loan or on any other forms of credit based on your past credit performances. This will disclose your past as well as your before-mentioned credit transactions with different lenders and how you deal with it. Thus, a credit check is the counterpart of your past credit performance. It works like a report card, which reveals whether you have "passed" or "failed" in a particular matter.

Credit checks are completed by lending institutions such as credit card companies and banks on individuals who wish to apply for a loan or any form of credit. In addition, credit checks could also be done by a homeowner whether an individual would be a good tenant or not, as reflected by his or her past credit performance. Insurance firms also run credit checks on individuals who wish to avail of their insurance policies.

You can obtain your credit report containing credit-related information from any of the three major credit-reporting agencies. Furthermore, you can obtain your personal credit reports for free as stated in the FCRA or the Fair Credit Reporting Act. Under this Act, every individual is entitled to receive a free credit report from any of the three major credit-reporting companies in the United States once a year - Experian, Equifax, and Trans Union. Your free credit report contain your personal information (such as your name and address), how you paid your past and previous bills, and any delinquencies you have committed such as late payments as well as if you have filed for bankruptcy.

To obtain your free credit report, you need to fill up the required form through a centralized credit report website on any of the three major credit bureaus in the United States. You will be required to provide some basic information, which includes your name, permanent address, your social security number, and your birth date. Your credit report is important in securing yourself against any attempts of identity theft such as credit cards misuse and other forms of fraud. In addition, you must update your credit report regularly as lending institutions would be using such reports to determine if you are worthy enough to be awarded with the loan you have applied for.

After you received your free credit report, you should read each section carefully. All aspects must be included in computing your credit score. So make sure you have paid attention to all of them. Check your report for any discrepancies and make sure that you have not missed any payments at all. Your credit report also comes with the list of individuals or business entities that you have requested credit information from. You may also check to see if such names or entities are familiar with you.

Your free credit report would be used in running a credit check to you when applying for a loan or any other forms of credit. Thus, make sure that it is free of discrepancies or erroneous entries. Keep in mind that this report will reflect your credit performance - ensure that you do not stumble anywhere so that your loan application would always be a success.

Start Up Venture Capital

by: Halim Oman

A start up venture capital is simply a type of private equity capital that is being provided to fund start up companies with high growth potential. In its most basic form, venture capital is being given in the form of cash by people known as angel investors. In exchange for the capital, the investors are given a stake in the start up company in the form of shares.

History
Start up venture capital was once the domain of wealthy individuals and families in the early 20th Century. There were notable families with riches that many upstart businesses then relied on to help gather up some start up capital for a business that shows some potential. In the United States, there were wealthy families such as the Rockerfellers, Warburg and the Vanderbilts who were noted for their investments on several industrial and private companies during the early 1900's. During this time, it was not yet known as venture capital but more commonly called as developmental capital.

It was not until after World War II that venture capital investments ceased to be a realm of wealthy families. Sometime in the 1940's, venture capital firms were set up in order to help and encourage the private sector to invest in businesses. The firms initially targeted returning GI's. These venture capital firms were the first of its kind then in that they helped raised capital funds that did not come primarily from the wealthy families.

Technology And Venture Capital
In the subsequent years, venture capital firms focused more and more on investing in technology companies. It was s time when many technological breakthroughs in electronics, data processing and the medical field were rampant. The late 60's up towards the 70's saw many venture capital firms eyeing investments mainly in technology. It was also during this time that venture capital became almost synonymous with technology finance because on its perceived focus in terms of investments.

80's Hardships
The venture capital industry first saw its successes bore fruit during the 70's and the 80's. With many start up technology businesses sprouting up and became big companies. This led to many other capital firms venturing out into trying to provide start up funding to new businesses that show high potential for growth. The growth of the venture capital market itself suffered as more and more players entered into the fray.

With many venture capital firms increasingly looking for that next big thing, the risks that they took to determine the potential of certain start ups for growth and success somehow also increased. Many venture capital firms suddenly found themselves facing declining returns that didn't seem to go well with their expectations for some of the start ups they funded.

Along with the competition, occasional dips in the overall business climate also affected the returns for most of the venture capital firms. It even worsened during the stock market crash in 1987 where many IPO's collapsed. This also led many of the venture capital firms to close shop.

90's Boom
The 90's brought about a shake up in the venture capital industry that eventually helped brought about much needed improvement. The boom came when the Internet began making waves and the started the dotcom boom. This led to many start up venture capital firms to provide funding to many of the online domains trying to make their mark on the Web. It stretched until the year 2000 when the dotcom bubble finally burst.

Labor Vis-À-Vis Multi-Factor Productivity

by: Suzanne Broadway

For a long time, when there is talk of productivity it always means labor productivity. This is the measure of the output that an hour of labor produces. Multi-factor productivity is more comprehensive than labor productivity.

Whereas labor productivity tends to focus on manufacturing (easier to quantify) rather than services, multi-factor productivity on the other hand takes the computation several levels up.

As one of the economic indicators, productivity is basically a measure of how efficiently an economy transforms its labor, capital, and raw materials into goods and services.

Conventional productivity measurement

In a car manufacturing plant, productivity measurement is straightforward. One is a physical measure where the total number of cars made in a period of time is divided by the number of worker-hours spent in producing them.

The other way is a monetary measure. It is the total dollar value of cars produced in a given period of time divided by the total number of worker-hours needed to assemble them.

KLEMS

In labor productivity, the equation is simply output divided by input (O/I).

On the other hand, multi-factor productivity growth is the rate of output growth relative to the growth of all production inputs – labor, energy, materials, and services.

In the equation Multifactor Productivity=Output/(KLEMS), K is the capital services, L is labor services, E is for energy, M stands for materials and S refers to the purchased services.

The equation is a complicated index number. The purpose is to arrive at a figure of the change in output relative to the change in all the inputs. Theoretically, the number is more comprehensive, but it is also difficult to calculate.

The old assembly plant

A first-hand comparison between labor productivity and multifactor productivity is illustrated by the economist Jack Triplett during a panel discussion sponsored by the National Association of Business Economists.

In his anecdote, Mr. Triplett recounted visiting an old but still workable assembly plant three stories high. The workers followed the old routine of bringing in the materials in the first floor, doing the sub-assembly at the second floor and the final assembly at the top floor.

Over the years, the machines assembled got bigger and bigger and they were difficult to bring down from the top floor. Somebody finally suggested reversing everything: bring the materials to the top floor, do the sub-assembly at the second floor and the final assembly in the first floor.

It had a big positive effect on productivity. They were able to produce more with the same number of workers. Mr. Triplett did not comment much on the change of multifactor productivity because of KLEMS.

He did mention though that the guy who did the suggestion is an “S” in KLEMS. If the man was a consultant and was paid for it, it will show up as an “S” in the equation and would show no increase in the multifactor productivity output.

On the other hand, if the idea was from a bright worker and was not paid, then there is no input recorded. In conventional accounting, that would register well as an increase in the multifactor productivity side.

Mr. Triplett continued that the multifactor productivity measure is often preferred now over that of conventional labor productivity because it is “a measure of technological change” as well.

Economics And Productivity

by: Suzanne Broadway

As defined, physical productivity is the quantity of output produced by one unit of production input in a unit of time. In layman’s terms, it could be an equipment which can produce 10 tons of output per hour.

Economic productivity, on the other hand, is the value of output acquired from one unit of input. For example, if a worker produces an output of 2 units in an hour (with a price of $10 each), his productivity is $20.

Both technological and market elements (output quantities and prices, respectively) interact with one another to determine economic productivity.

Calculations

One gets the average economic productivity by dividing output value and (time or physical) units of input. In addition, if the production process uses only one factor (labor, for example), the procedure gives the productivity name of that factor. (In this case, labor productivity).

If there is more than one input used for each factor, it is possible to compute by the same procedure its productivity. (In this case, it is termed “partial”.)

Total factor productivity tries to construct a productivity measure that will encompass an aggregation of factors. How it means is still under hypotheses, and therefore, not yet assured in a general framework.

Indicators

To date, it had been determined by current technology that the maximum physical quantity of output can be reached together with the number and quality of inputs needed.

In turn, adopted technology is an economic choice. Today’s wide array of concurrent technologies is influenced by available innovations and compatibility with the adopter.
Most cannot be reversed because of the high cost of switching.

Technology

Technological changes sometimes happen fast in some industries while in many others the changes are more gradual. Technology, however, always improves.

Economic productivity will depend on pricing and demand. If the consumers require less products that can be produced potentially, plants will not work at full productive capacity. Economic productivity can fall together with decreasing demands and prices.

At the macro-economic level, labor productivity (GDP per worker) depends on the corresponding dynamics of two factors: GDP and employment. In short, productivity rises if the GDP (gross domestic product) increases faster than employment.

Productivity increase

Many factors help buoy up productivity increase. They include capital accumulation via investments, dissemination of new technologies, domestic innovative efforts, enhanced division of work, higher levels of education, organizational and technological production modes from world-class models, and the development of physical and social infrastructures,

Impacts of productivity increase

Higher productivity will first make its presence on profits and ultimately on people’s wages. If production costs do not exceed productivity increase, there is a possibility of a price fall or stability. It is also conducive to lower inflation.

In other countries, productivity has grown. In rich countries, GDP soared mainly because of the increase in productivity. The poorest countries in the world are typically with a low productivity increase.

So far, there is a marked inter-relationship between increase productivity and the rise of GDP at all levels: country-wide, companies, organizational groups, even down to the individual himself.

Outsourcing In Your Business: Pros And Cons

Outsourcing is a normal part of today’s modern economy. Companies and organizations hire services of other companies to do specific works. Not just that, there are a lot of books, articles, literatures and seminars with outsourcing as the topic.

Outsourcing garners both positive and negative feedbacks. It has its own advantages and disadvantages. However, most of the time, the advantages or disadvantages depend on the situation.

Pros Of Outsourcing

Outsourcing has been the source of many debates and discussions by both workers and the media especially in developed countries. These kinds of discussions however may only be temporary and may die down in the near future as the perspective of people mature.

One way of looking positively at outsourcing is the mere fact that it can help companies and organizations cut cost as well as it can give them the edge over other competing companies. Outsourcing also provides opportunities for other people to showcase their skills and talents in producing high quality products.

Basically, the main advantage of outsourcing is in the facet of finance. By outsourcing several functions of a company, operational costs can be cut down. In fact, operational costs can be cut down to as high as fifty percent when outsourcing. Why? First, companies can avail of cheaper but nonetheless very efficient labor. Second, since the company does not need to provide training anymore for a specific function, they can remove the budget for training.

Another pro of outsourcing is getting better results or output. Remember, you are hiring a person or an organization that specializes in a specific task. These organizations have the knowledge as well as the tools to efficiently do a specific task or job.

Focus is also another pro of outsourcing. Instead of the company focusing on non-core functions, they can put all their efforts on the core - the more important aspects of the business. This is because all the non-core functions are already outsourced to other companies.

Cons Of Outsourcing

There are some people who see outsourcing as a disadvantage rather as an advantage but this probably because this idea is quite new especially in newly developed countries. But the truth of the matter is, there are actually several cons in outsourcing.

One of the most controversial aspects of outsourcing is trust. When hiring a certain company for their services, you need to be able to trust them that they will do the job as ordered or that they will provide you with very good results. Trust is also needed especially when it comes to confidentiality. A certain hired company may stab you in the back and sell information to some of your company’s competitors. Though these are rare circumstances, they do and can happen.

To Outsource Or Not To Outsource

To outsource or not to outsource: that is the question. Given the facts – the pros and cons of outsourcing, should your company outsource or not. As have been said, this all depends on the situation. If a company has the ability to stand alone by itself since it has all the tasks covered, then there may not be a need to outsource tasks.

However, if you think that the company needs to put more effort on the core competencies of the company rather than the non-core aspects, then you may opt to go for outsourcing.

Globalization Through Outsourcing Trends

The relocation in managing the day-to-day carrying out of business activities or the enterprise’s function to a peripheral service provider is being utilized today. The client organization and the supplier of services drafts and executes a contractual agreement that stipulates the rules and describes the terms of provision and procurement. Nowadays, outsourcing trends have become more expansive encompassing more and more industries.

Offshore outsourcing is the transfer of the enterprise’s service module to a secondary management that is located elsewhere other than the country where the goods and services are actually availed or consumed. The principle behind the practice is for minimization of production cost with the global electronic internet network as its enabling medium.

Primarily, the reason for engaging this method is due to a significant difference in salary allocation. It is expected that the cost of service in the host country is much lesser in comparison to that of the origin. General criteria for the job that may be sent overseas are jobs accomplished through telework, jobs with high information content, jobs that can be repeated and easy to set-up, and work that could be transmitted through the internet.

However, this trend has been a source of controversy. Opposing factions have raised the threat it poses to the domestic job market of the developed country since fewer opportunities will be offered. Contrary to that, job opportunities in the host country will dramatically increase.

Cannibalization is yet another trend in outsourcing. It is characterized by the reclamation of the serviceable parts of the projects by which open production and failure-related requirements are executed with the use the existing components of the project. This practice ensures the efficacy and proficiency of the supportive facility.

In this case, the work done earlier which was proven to be unsuccessful is outsourced to someone who is basically home bound. The service provider may actually be situated in the same country as the organization in need of the output.

Growth in captives and organizations that are owned and operated by a parent firm but in a different country is also a way of outsourcing. Nationals of the parent firm who have transferred due to work or those who have been living in the place as expatriates compose workforce. A big part of the wage revenue basically goes to the country of origin since foreign citizens do not supply it.

Outsourced electronic commerce is yet another common trend wherein transactions for selling or buying a good or commodity is done over electronic systems. This has also gained popularity over the recent years. Since the development of the internet a significant increase in this area has been reported. The variety of business conducted through this process includes fund transfer, internet marketing, supply chain management, electronic data interchange, online transaction exchange, and several others.

The above-mentioned outsourcing trends have given the business sector a boost. Companies making use of these systems are generally more financially stable than those who do not. The face of business has been altered through globalization and de-regulation.

How You Can Become A Millionaire Via Your Hobby

by: Kristina

Greetings! I have been preaching my wealth creation principles for many years now from the "pulpit" of the Internet and consider it a high honor that I have been able to assist so many of you to commence upon this exciting path of wealth creation, freedom and abundance.

Please accept this one fact – a fact that I am totally and utterly certain of – becoming a millionaire via my wealth creation principles is within the easy grasp of just about everyone one in the western world. So if you are not "making it" right now – that is – what you have been doing up till now has not financially worked for you, why don’t you embrace my teachings until my "knowledge" becomes your "knowing". Remember, a guru or a teacher is only ever the bridge to your inner knowing. Once you have crossed the bridge to your destination the bridge fades into the illusory past and becomes obsolete.

Those of you who have read my other articles (or my book), know that I am not about advising you to borrow money, use existing funds or income, speculating, investing or even "making money". I teach the direct route of Wealth Creation. That is, a millionaire is a person whose net assets in a non fire sale situation, if sold, would bring a price in excess of a net million dollars.

So if you want to become a millionaire fast – we ask the simple question, what is a quick and easy, sure way of increasing your net assets by $1,000,000.00? Now most of you have jobs and families to support, so to avoid burn out, you will need to create this million dollars in assets, not only part time, but also in an enjoyable and relaxing way.

When I was a ten year old in the late fifties, I lived in basically what was a satellite English migrant city in Australia. Almost all families were struggling and times were hard. I recall my father scolding me harshly when he found out that I had wasted my money on buying a few comic books. (I particularly liked "The Phantom").

One morning, in my school holidays I placed my collection of about a dozen comics in an old wooden go-cart and went door-to-door offering to swap my meager supply of comics three for two. Within a few streets my poor old go-cart couldn’t cope with the weight, so I also starting offering to sell my treasures at about a third of retail price. A few hours later, I found I no longer needed to go door to door – all the kids and often their parents came to me in the street. My pile of notes and coins was now piling up as fast as my pile of comics. I leant a lot that first day.

The next morning I was more prepared. I enlisted the help of two schoolmates. We took it in turns to push a large old Victorian pram and added a blanket upon which to lay out all the comics. We had crude signs stuck on the side of the pram and an old strapless handbag for the money. Needless to say we made a killing! The bush telegraph system worked and wherever we went we were swamped with eager customers. In today’s values I probably was creating several hundred dollars a day – a fortune for a ten year old, yet never dared tell my father that those same comic books were now creating more money than he was currently earning.

When the marble craze hit our school, guess who used the same principles? (But "my head master sanctioned school casino with marbles as chips" is another story.)

I later called this system the "arbitrage-compound system of wealth creating" and have used it to this day. Assets, even at a 50% mark up as in the above example, grow to staggering totals if left to multiply unhindered. That is why casinos just love punters who use the many variations of the "double up system". Like the casino barons, the wealth creator uses these principles to his or her own "wealth" advantage.

Now you can start your wealth program with any commodity, however, like a 10 year old lad with his comic books, if you are passionate and/or have a wider than average knowledge about a certain subject then trust me when I say, you already have the ability to fast track your millionaire status.

In my book and other articles, I have used numerous examples of real cases of people just like you who have used their hobby to become wealthy in their spare time.

A recent example, Paul, one of my early readers, shared with me that his passion and hobby was of all things "sea shells". Needless to say, his knowledge on the subject compared to mine, seemed immense. He explained that over the Internet and via magazines, collectors communicate with each other and swap and buy and sell thousands of different types of shells.

Many bring a $1,000.00 plus! Just like I had never considered investing in seashells, Paul had never considered, until he had read my writings, that his hobby and passion could make him super rich. Paul visited me a couple of weeks ago and excitedly told me that the day previous, he picked up in a second hand shop 5 small shells, all of the same species for only $100.00. The dealer grinned like a Cheshire cat at the victory of selling some schmuck 5 worthless shells for a hundred bucks.

Paul had a ready market for those rarer shells at a thousand dollars each! Now please see the difference. The dealer, from his $100 has to pay his overheads. Paul will use the $5,000 to purchase up to $15,000.00 worth of shells. Paul’s wealth total will accelerate an extra $14,900.00 in one buy-sell-buy cycle. The dealer’s $100 became lost in the overheads quagmire.

Another example: An acquaintance of mine began his dinky toy car collection as a boy. His collection "Wealth Total" is also now valued well over a million dollars. Get the picture?

Other readers have successfully used for their wealth program to riches, hobbies involving paintings, jewelry, coins, stamp collecting, gold nuggets, old electric guitars, old bikes, china, postcards, teddy bears, model railroads, signatures, sporting souvenirs - old share certificates - in fact virtually any hobby can be used to kick start your wealth program.

You see with your hobby you already have the knowledge base and the passion - couple this with a wealth program and your future becomes excitingly assured.

In these series of articles and in my book I have laid out an easy, well proved and virtually failure proof plan for you to become a millionaire. Yet I can only sow the seeds. The watering and the caring needs to come from within you.

And remember, it starts with a decision!

100% Mortgage Refinancing – How To Get Approved

100% mortgage refinancing allows you to borrow against your equity, while hopefully lowering your interest rates. To get approved for a cash out refinance, you need to have excellent credit. Otherwise, you need to work with a sub-prime lender or apply for a line of credit.

What 100% Refinanced Mortgage Can Do

A 100% refinanced mortgage can allow you to take out all of your home’s equity. Anytime you cash out part of your equity, your refinance rates will increase. But rates will be lower than if you take out a second mortgage.

However, with no equity, you will need to carry private mortgage insurance. But if you choose a sub-prime lender, you don’t have to worry about paying premiums.

Improving Your Application

Lenders are primarily concerned that you can repay the loan. Without equity, lenders look at other factors, such as income, cash assets, and credit history. Income is important when it is compared to your debt ratio. Other debts, including credit cards and student loans, decreases your borrowing power. So if possible eliminate or reduce your debt.

In the case of job loss or other financial emergencies, lenders want some reassurance that you can handle monthly payments. That is why cash assets, which also include CDs and money market accounts, are important. Six months of savings is a good start.

Your credit history predicts how likely you are to skip payments. But even if you don’t have perfect credit, you can find 100% financing with a sub-prime lender. They will also be more lenient with your application, but charge slightly higher rates.

Getting Better Terms

Be prepared to pay at least 3% at the time of closing for your refinancing. Otherwise, those cost will be rolled into your new mortgage and you will be paying additional interest on that money.

You will also want to research loan offers before making a final decision. By researching loans, you can know you are getting the best deal. Don’t just focus on rates; take a look at closing costs as well. Remember too that you may find a better deal by taking out a second mortgage to access your equity.

Rear Spoiler?

A rear spoiler is an slick accessory for cars and trucks. It usually can be spotted on the trunk of vehicles, sports-oriented ones. Rear spoilers work for both aesthetic and performance purposes. It is designed to reduce air movement along the body of a vehicle in motion. This lets the vehicle pick up more speed. A spoiler too serves a trimming role, giving the vehicle a sleeker, sportier appearance. Looking nice is an important consideration when purchasing a automobile. A rear spoiler has the ability to make a automobile look more sporty & cold. This is subjective, but it is a well-liked belief among automobile fanatics. Spoilers may even add to the resale value of a automobile because it makes the automobile more aesthetically pleasing. Before you make the acquisition, be positive to check out a lot of shops & online stores. That way you can get competitive prices & excellent deals.

The Easiest Way To Create Niche Wordpress Blogs Fast!

Are you stuck trying to build your first website, or frustrated looking for just the right niche Wordpress theme for your site? Well, I've just found the solution you've been waiting for… and you're going to love it. You're probably familiar with Wordpress. As the world's leading blogging platform, Wordpress offers a number of standard "themes" anyone can use in the design of their website. But these themes were not created with you in mind. So my friend Joel Comm has been developing a premium Wordpress theme specifically geared toward online marketers and niche bloggers which can be setup in minutes. You've never seen a theme as easy to use with so much functionality. Some of the features include:

- Custom Header Design System
- 160 + Niche Headers
- 1000’s of Design Combinations
- Built in Clickbank Monetization
- Built in Social Media Slider
- Wordpress Tutorials and Training
- Internet Marketing Training videos
- Integrated Affiliate Links for Theme earn 50%

With Socrates, not only can you control all the links on the primary navigation bar, but there are also give you three optional navbars. At the top right, bottom left and bottom right. There's an optional "Ad Bar" which allows users to insert a
728X90 Ad Unit above their content, and lets them enter a Clickbank ID to rotate two Clickbank products on the top right. There is also a "custom html" section in the upper right where more ad units, optin boxes, or any html code can be added. Go check this out now and watch the brief video for an overview of how Socrates Theme is the answer you have been looking for!

Halo Headlights?

Usually, young driver, age between 17 years old to 25 years old will be charge higher car insurance premium than most folks. Why? The statistic data showing that young drivers are exposing to higher accident encounter risk compare to mature drivers that 26 years old and above. The main reason is because of the youngster lifestyle that have more chance of late night driving, which is the activities that increase of accident risk. The thinking of night drives leads us to the importance of headlights because night drives are risky and at that time the drivers are completely depended on the headlights. The standard headlight, sometimes, doesn't give drivers the maximum light that they needs for their night driving. So, if you are one of them, you are lucky to read this post. hehehe.

I would like to introduce one of the best custom halo headlights and it is by CARiD which able to gives us all the lights that we need at night. It was designed and constructed by the pros and guaranteed to deliver night time magic. For your info halo means there is a ring of light around one of the light bulbs. The other light bulb is a projector, a small concentrated light. Actually it can be fitted to your vehicle to give it a smarter, sleeker and more modern look. These lights generally have a blue tinge to them and can in certain brands generate thirty percent more lighting than in regular headlights. Not only are they more eye-catching and appealing, but they are more effective too. So, young man, its not that hard to have one of this halo headlights for your car. Prevention is better than a cure.

Start your own business with SMC

Set your own hours and spend more time with your family. Now you can with SMC.

Is Mutual Funds Are A Better Option For Retail Investors?

by : Lavanay

It is simply instinctive to get attracted toward equity. The success stories - few true and many false - of people having become millionaires overnight, are bound to allure anyone. But the fact is that Stock Market isn't easy money; Stock market is not everyone's cup of tea. It is our hard-earned savings, which is at stake. So let’s be very concrete about it.

Do you have adequate capital?

It is sheer common sense that a diversified portfolio with 18-20 stocks is less risky than a small portfolio with only 3-4 stocks. However, for a retail investor, capital is normally limited. With this small money supply it won't be likely for him to adequately diversify his/her portfolio. In such a condition, Mutual Funds extend an alternative to be a part of well-diversified portfolio even with small capital like $100. Naturally, a small portfolio can give super natural returns but on the other hand the risk is also very high. This high-risk high-reward scheme wouldn't be appropriate for absolute majority of retail investors. It just suits a couple of select expert investors who have lots of money to put into market. Also, with moderate capital it's hard to buy pricey shares like Google, Infosys etc. This drives us to buy low price stocks. Broadly speaking high-priced stocks will be good shares and low-priced stocks might not be that good shares. Hence, with limited capital you could end up with a inferior portfolio. Given the fact that moderate capital could mean small and inferior portfolio, Mutual Funds perhaps are more preferable path for those who cannot bring in enough money for investing

Do you have adequate knowledge and expertise?

Ok, let's be really honest and frank here.

- Do you have more expertise about companies, economy, market trends, etc. than a qualified and knowledgeable professional investment company?

- Can you interpret the balance sheet and Annual Reports as easily as an investment company and make right conclusions?

- Can you identify the future sectors of growth? Or those that could face a downswing in the immediate future?

- In short, are you more knowledgeable than an investment company?

In 99% cases, the answer would be ‘Nope’. So why do common retail investors enter the hard terrain of securities industry, when you have the chance to allow the exert people to do the task for you?

Do you have adequate time and resources?

Let's presume that you have big bucks to invest and also a really sound understanding of the equity markets. But do you have the third important criteria, "Time and Resources"?

There are numerous listed companies. Some of them are booming, some were booming and some will be booming. You need to purchase stocks that will be flourishing; you need to exit those whose flourishing phase is about to cease; and you need to hold on to those who are still in the success phase. The timing is very decisive for making fortune in stock markets.

Now this list keeps varying quite frequently and it calls for constant research to keep oneself updated. So, there won’t be many retail investors who can afford to devote time to study thousands of annual reports and tracking the performance of companies. Moreover, yearly reports are not all that is needed to research a company. How many of us can travel to company premises, contact their management and talk over their plans, earning expectations, etc.? Can you talk personally to the industry experts? Even if you can do all of this, can it be done on an ongoing basis - day after day every year?

So who is best person to do a sound research - a Mutual Fund with its’ experienced research squad or you, who are as too occupied with our own businesses/job? Unlike all this, opting for Mutual Funds is a comparatively much easier task. Also, it does not ask for close monitoring. Hence it becomes the finest option for retail investors to relish the yields of stock market, without being forced to commit lots of time and effort.

FreeVideo - 12 Month Internet Millionaire v2.0

Check out this cool new video from Russell Brunson. If you've been wondering on how to make your first dollar online, you need to check out this video. I think this is a valuable information that will open your eyes about online business. Since this offer is valid ONLY until November 10, 2009. so please act NOW. Click here to view this cool video.

*Don't forget to enter your name, email and phone so that you can access the full video. ;)

Have you Seen the World's Largest, SEARCHABLE Database of Resell Rights Products?

Socrates (Greek guy who makes six figures and has a 289,222+ List) launches a monthly video program called "InfoProfits Mastery monthly", and the best part is he will let YOU in free. Every month, he will release a video with a brand new strategy on how to build your list and make more profit using resell rights and other information products. This program is going to cost $39.95/month but YOU don't have to pay to get it.

Right now he is offering it as a Bonus for all his Resell Rights Fortune Club Members and you can still claim a spot! Resell Rights Fortune Club is not only The Largest Searchable Database of resell rights products online, but the place where Socrates will be sharing profitable strategies he never told anyone before. Get access here.

Bukisa - Share Your Knowledge And Earn Money!

Do you have a good writing skill? If yes, why don't you join Bukisa to make some money. Actually, Bukisa is a resource for 'how to' articles, audio, video and slide presentations on just about any topic. The amount you can earn from the content you submit will depend on the number of unique views it will receive. If you focus on adding articles and drive traffic to all of your articles, you can definitely make some nice spending cash on the side. All you need to do is sign up here, then provide your PayPal address and you may start supplying them with your content today!Yes, its free to join.

BigCommerce Makes It Easy To Sell Online!

Would You Like to Sell Online?

With BigCommerce anyone can quickly and easily create their own online store without any technical experience. Unique features such as Drag & Drop Design Mode make it easy to completely customize the look and layout of your store using just your mouse. BigCommerce has built-in search engine optimization features which help your online store rank at the top of all major search engines including Google and Yahoo.


Voted #1, Find Out Why!

Here's why over 8,956 successful online retailers have chosen BigCommerce:

1. It's very easy to customize
   Designers have full access to HTML and CSS via FTP, as well as the QuickEdit and diff tools. Business owners can choose from over 50 store designs and use the Drag & Drop Design Mode to customize the layout of their store.
   
   


2. Sell products online, no learning curve
   It couldn't be easier to sell products online with BigCommerce. The getting started wizard helps you get your store up fast and there are dozens of step-by-step videos if you get stuck.
   
   


3. Their software is optimized by SEO experts
   BigCommerce is the only ecommerce software reviewed by the world's #1 SEO guru Aaron Wall. Aaron's feedback was incorporated into the software, meaning you've got a better chance of outranking your competitors on Google.
   
   


4. Reports to make you more money
   With over 25 business intelligence reports built in (such as top selling products and average revenue per order), BigCommerce helps you make better decisions which mean more money in your pocket with less work.
   
   


5. No transaction fees - ever!
   Unlike other shopping carts they don't penalize you for selling more. They never charge transaction fees and have no hidden costs. What you see really is what you get.
   
   


6. Your data is safe and secure
   The security and up-time of your store is their #1 priority. They protect your store and data with the same military-grade security and encryption that the big banks use, and they have a 99.99% average uptime track record.
   

Launch Your Online Store Free!

The good folks at BigCommerce have made it possible to try their award winning ecommerce software absolutely free. There's no credit card, no risk and no obligation. If you're looking for a real all-in-one solution to sell online then I highly recommend BigCommerce. I give it 5 stars!



Click here to try BigCommerce free!

GetAFreelancer.com USD10,000 Logo Design Contest

I came across a site called GetaFreelancer.com today. It is one of the leading freelance websites, an ideal place to find freelance web designers, engineering, developers, copywriters and even translators and marketing specialists. On the other words, you can find lot of outsourced projects to bid on. Recently they announced a global design contest to develop the website's new logo. If you can redesign a Logo, you have a chance to win USD10,000 from their contest that running until 30th September 2009. That's big!! Click here for further info. This is a good opportunity if you are good at logo designing.

USocial Sells Friends on Twitter and Facebook?

Today is not a good day for me because one of my blog has been hacked by a moron. I don't know what did he want from me and I wonder, what is the purpose of hacking my blog?? Stupid hacker! Anyway, today I found a company called uSocial which offering a service that sells Twitter followers to people at a set rate. Not only that, now they started to sell Facebook friends as well. I don't know either they are good or not but you can check em out by yourself at this link : http://www.usocial.net

According to their site :

uSocial is the world's greatest and cheapest way of generating high-quality, unique traffic at a cost much cheaper than anything available online today. We offer three main services -- a social bookmaking front-page service to get you to the front page of any of the web's major sites, the world's only truly unlimited press release distribution service, as well as the Internet's best social bookmarking submission service.