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Tuesday, March 31, 2009

Important answers to consumers concerns

Top of the day to you out there!  I'm Donna J. Jodhan at the business desk.
I hope that everyone is enjoying their week thus far and today I bring you much news from our e-bag.  So, please read and enjoy.
 
Important answers to consumers concerns
 
Question from Marc Christiansen:  I just got laid off and I am wondering who would be the most stressed out:  laid off workers or those who are still employed?
Answer:  Mark, I would think that those who are still employed and are feeling the most insecure would be the ones who may be the most stressed at the present time.  At least, if I were working for someone else, and felt insecure about my job, then I would be really stressed out.  I am going to let the reference below speak for me.  Please give it a read.  Good question.
Laid Off Workers: Less Stressed Than Those Still Employed?
TIME - USA
The data suggest that employed people who feel insecure in their jobs display similar levels of anxiety and depression as those who are unemployed. ...
Read more at:
http://www.time.com/time/health/article/0,8599,1883614,00.html            
 
Question from Matthew Gailhood:  Is it safe to say that there is a direct inverse relationship between the rise and fall of bonds and the rise and fall of depression and anxiety?
Answer:  Matthew, I do believe so.  It is a documented fact that as the markets rise rates of depression and anxiety fall and as the markets fall rates of depression and anxiety rise.  An inverse relationship and the reference that I have chosen for you supports this view.  Please give it a read.  I hope it helps.
Stocks Go Down, Paranoia Goes Up | Psychology Today Blogs
By Guest Blogger
Pick almost any major psychological problem and stress will be right in the middle of it, either as a cause or as an exacerbating factor. Depression, insomnia, anxiety, worry, anger, relationship problems, addictions and substance 
abuse ...
THIS JUST IN: News, Insight,... -
http://blogs.psychologytoday.com/ 
 
Question from Michelle Dirksen:  Do you know where I can go to get some support for myself?  I have been laid off 
and am suffering from depression. 
Answer:  Michelle, as this is not my field of expertise, I am going to refer you to an article that I came across a few 
days ago.  I am sorry to hear about your situation and I hope that my reference helps.
Economic News Online: Measures To Help Unemployed People Who Are ...
By FERRY
A package of measures to help unemployed people who are experiencing depression or anxiety to get back to work 
were announced by Health Secretary Alan Johnson and Work and Pensions Secretary James Purnell, including greater 
provision of ...
Economic News Online -
http://economy-online.blogspot.com/ 
 
Question from Sue Radcliff:  I am in the market for a laptop but am not sure how to go about choosing a good one.  
Any suggestions?
Answer:  Sue, here you go.  A perfect article for you to check out.  I hope it helps.
Laptop and Notebook Buying Guide | Best Tech News, Reviews, How it ...
By Mat Nayie
If you are a home user, then choose a notebook which is easy to carry and comes with the most basic computer 
applications. Students should opt for an affordable laptop which is light and durable. Frequent fliers need slim notebook 
models with ... A business user should purchase a laptop with plenty of hard disk space and advanced security 
features while a gamer needs a fast processor and the latest graphics card. What are the different kinds of laptop 
computers available? ...
Best Tech News, Reviews, How... -
http://www.micronanotronics.com/ 
 
Question from Tai Conretsky:  Is it true that identity thieves are targeting job seekers these days?
Answer:  Tai, it would appear that this is the case and I am basing my statement on the reference below.  Identity 
thieves are always one step ahead of the pack and job seekers seem to be their favorite target at the present time.  
Please read my reference below.
Identity Thieves Prowling for Job Seekers
Consumer Affairs - USA
Update your computer security prior to emailing resumes and receiving email correspondence. Making sure your 
computer security is currently updated against ...
Read more at:
http://www.consumeraffairs.com/news04/2009/03/job_scams.html
 
Question from Edward Lu:  What are some of the top scams these days?
Answer:  Edward, here you go.  The reference below does a very good job in identifying some of the top scams for 
2008.
Top 10 scams of 2008 - and how to avoid them
Ottawa Citizen - Ontario, Canada
The key common tactic is to get you to either fill in personal information or download malicious software on to your 
computer to compromise your security ...
Read more at:
http://www.ottawacitizen.com/scams+2008+avoid+them/1123669/story.html
 
Question from Hannah Jorelli:  Donna, how are organizations handling the translation of Chinese medical terminology 
these days?
Answer:  Hannah, I have a perfect article for you to read.  Please check out my reference below and I do believe that 
as more and more Eastern medicine becomes integrated into Western society, the demand for translation of these 
terms is going to grow.
Medical Translation Blog: Massive new Chinese-English technical ...
By ForeignExchange Translations
As the East meets West blog of the European Patent Office points out, the glossary currently contains approximately 
1.79 million Chinese and English patent-related technical terms extracted from patent abstracts and various technical 
...
Medical Translation Blog -
http://blog.fxtrans.com/ 
 
Question from Mario Marquez:  How important is it for immigrants to America to learn English?
Answer:  Mario, very important.  If any immigrant from non-English speaking countries wants to expand their career 
and horizons, it is vitally important for them to learn English because this is the first language of America.  Learning 
English will only enhance their career.  Please check out my reference below.
Building Successful Careers: Why Improve English Skills?
By noreply@blogger.com (Pat Zimmerman)
There are Chinese/Korean/Japanese/Spanish doctors, dentists, bankers and grocers. People have many reasons for 
not improving their English: I do not have time to work on my English; I am busy working and raising a family; ... Your 
children should not be your translators. You are the parent. Most likely one of the reasons you came to this country 
was for a better life for you and your children. That is admirable. You gave up a lot to travel thousands of miles to a 
...
Building Successful Careers -
http://leadershipmentorgroup.blogspot.com/ 
 
Question from Alex Pinto:  Donna, what are your thoughts on being able to find viable Internet businesses?
Answer:  Alex, I do believe that there are opportunities out there to find viable Internet businesses and I am going to share a reference with you that will answer your question.  I hope it helps.
The Good, The Bad, And The Ugly Of Ebusiness | Free article
By admin
What is good about internet business? Probably the single greatest benefit of ebusiness can be summed up in one 
word — opportunity. There are numerous opportunities to start a business, buy a business,and grow a business on 
the internet ...
Free article -
http://www.2ked.com/ 
 
Question from Carrie Donnahue:  What are some of the common pitfalls for a failed home business?
Answer:  Carrie, here you go.  A perfect article for you to read.  This one gives you a lot of very insightful hints and common sense reasons as to why home businesses often fail.
Real Home Based Internet Business - 3 Fatal Mistakes | Free ...
By Love to Chat
We've not even covered the basis of the majority population in the world yet which is Asia. However, you can see the 
potential of generating income by running a real home based Internet business is a viable option today. ... The one 
pitfall that you must watch out for is judging your business on a margin that is tight or small. Truth is, you really do 
not know how much a margin you can make on your real home based Internet business until you start selling 
something. ...
Free Singles Chat -
http://freesingleschatonline.com/ 
 
Question from Rick Smawley:  What do you know about cash gifting?
Answer:  Rick, not very much so I am going to refer you to an article that may or may not answer your question.  I hope it helps.
The Best Work At Home Business blog: Better Than Cash Gifting ...
By Brian Davis
Infinity Downline could be what those who wanted to join the cash gifting opportunities but did not have or want to 
spend the $250 - $10000 up front that many of the popular cash gifting programs required. .... PowerHomeBiz Small 
& Home Business Blog. How to Reduce Your Risks When Starting a Business - Mar 3, 2009 - PowerHomeBiz.com; 
Best Tools for Learning How to Start a Small Business - Mar 1, 2009 - PowerHomeBiz.com; Pricing Strategies During a 
Recession - Feb 24, ...
The Best Work At Home Business blog -
http://thebestworkathomebusiness.blogspot.com/ 
 
Question from Pablo La Paz:  How much do you know about Shanghai as a city to do business with?
Answer:  Pablo, here you go.  A great article for you to review.  This may have just what you're seeking.  Good luck!
Shanghai-great city of China for business and travel | Content for ...
By lilichinese
Today Shanghai's goal is to develop into a world-class financial and economic center of China, and even Asia. In 
achieving this goal, Shanghai faces competition from Hong Kong, which has the advantage. ... After the signing of the 
Treaty of Nanjing in 1842, Shanghai became one of the few trading ports in China for doing business with foreign 
countries, and she grew by leaps and bounds into a thriving center of commerce and cultural interchange. ...
Full text recreation-and-leisure... -
http://www.content4reprint.com/recreation-and-leisure/travel/destinations/ 
 
Question from Shawna Day:  Donna, I just got laid off and am looking around for some good home business ideas.  Can you help me?
Answer:  Shawna, sure!  Please read my reference below.  I hope it helps.
Finding The Right Home Business | Home Business Ideas
By Steve Finger
An internet venture is filled with positive aspects when stacked up against other types of home based careers. With a 
web based business, you will get some nice features that you won't have from different opportunities. .... Canon 
Australia is packing its bags from its WA corporate home of two decades in the Herdsman Business Park and moving a 
stone's throw away to the emerging $120 million Optima Centre, in a shift that exemplifies the growing preference of 
major ...
Home Business Ideas -
http://home-business.vjad.net/ 
 
Question from Karen Barker:  What does the employment picture look like for graduates these days?
Answer:  Karen, I would say that it depends on how you view things.  In addition to a bad economy, we have an exodus of some baby boomers and a holding pattern for others who are being forced to stay on because of financial constraints.  Please read my reference below.
Employment picture is dim as economy forces cutback in hiring
Winston-Salem Journal - Winston-Salem,NC,USA
... crops is guaranteed a job in the financial-services sector. ... aware that they will be facing a shortfall of employees 
as their baby boomers retire. ...
Read more at:
http://www2.journalnow.com/content/2009/mar/08/employment-picture-is-dim-as-economy-forces-cutbac/news/
 
Question from Steven Kipperchuck:  Do you think that the mandatory age for retirement should be increased?
Answer:  Steven, this is a very interesting question and I am going to defer to a reference that comes from the UK.  It is interesting and insightful and raises many questions for the reader.  Please give it a read.
Seniors World Chronicle: U.K.: Mandatory retirement age should be ...
By Seniors World Chronicle
As populations get older they make greater demands on the state for care services, paid for by those in work. A 
society that is top-heavy with older people could topple over financially. The effects of this demographic change are 
already ... Baby boomers are bringing much higher expectations to their retirement than previous generations. But 
their children are poorly placed to finance those expectations. Society will have to change its attitude to work and 
retirement to ...
Seniors World Chronicle -
http://www.seniorsworldchronicle.com/ 
 
Question from Dennis Cook: What are some of the hurdles that older job seekers face these days?
Answer:  Dennis, here you go.  My reference below outlines these in very great detail.  Please give it a read.
Seniors World Chronicle: USA: Older job-seekers face special hurdles
By Seniors World Chronicle
VanDerhei, who has analyzed average 401(k) account balances for 22 million Baby Boomers, concluded, "The vast 
majority of people do not have enough savings to get out of the workforce at age 65." Retirees can begin receiving 
Social ...
Seniors World Chronicle -
http://www.seniorsworldchronicle.com/ 
 
Question from Anna Hadwick:  Donna, how are seniors doing when it comes to accepting digital technology?
Answer:  Anna, I think that they are going to accept and welcome digital technology and this is because their need for information is going to increase.  Especially so for aging baby boomers.
Seniors Hip to Digital Technology : Bizzia
By Sandy Mitchell
¡§Baby Boomers¡¨ are now a core part of this segment. As this segment nears retirement age, we can anticipate they
will be seeking out information, communication and entertainment that is relevant to their current and changing 
lifestyles. ...
Bizzia -
http://www.bizzia.com/ 
 

I am out of time for this week but before I leave you here is my tiny tip.
Identity thieves are now starting to target job seekers.  They are intercepting resumes from job seekers and gleaning personal information from their resumes in order to steal identities.
 
I'm Donna J. Jodhan wishing you a terrific day and week ahead.

Monday, March 30, 2009

Employment picture is dim as economy forces cutback in hiring

Good day!  I'm Jeff N Marquis at the business desk.
Today I would like to provide you with some very important facts about our present employment picture and especially so for those aging baby boomers and soon to be retiring persons.
I urge you to read on because it could mean the difference between not knowing and knowing enough to save yourself.
I'm Jeff N Marquis wishing you a pleasant day.
 
 
News for retirees, aging baby boomers, and seniors
Breaking news!          Employment picture is dim as economy forces cutback in hiring               
 
        Employment picture is dim as economy forces cutback in hiring
        Winston-Salem Journal - Winston-Salem,NC,USA
        ... crops is guaranteed a job in the financial-services sector. ... aware that they will be facing a shortfall of employees as their baby boomers retire. ...
Read more at:
http://www2.journalnow.com/content/2009/mar/08/employment-picture-is-dim-as-economy-forces-cutbac/news/
 
        Retire now
        By anandmys
        Retirement Living Information Center's retirementlivingnow.com helps you find information on financial needs for seniors and baby boomers during this current economic crisis. ... The MarketPlace, Special Products & Services helps you find good products. State Aging Agencies help you find government websites. Today's retirement is very different. For more and more seniors, retirement is a liberating experience filled with options never before available. ...
        Cricket Eleven -
http://cricket11.com/ 
 
        Seniors World Chronicle: U.K.: Mandatory retirement age should be ...
        By Seniors World Chronicle
        As populations get older they make greater demands on the state for care services, paid for by those in work. A society that is top-heavy with older people could topple over financially. The effects of this demographic change are already ... Baby boomers are bringing much higher expectations to their retirement than previous generations. But their children are poorly placed to finance those expectations. Society will have to change its attitude to work and retirement to ...
        Seniors World Chronicle -
http://www.seniorsworldchronicle.com/ 
 
        Employment picture is dim as economy forces cutback in hiring
        That's a worrisome development for universities such as Wake Forest University, which has developed deep ties and hiring pipelines with financial-services companies such as Wachovia Corp., PricewaterhouseCoopers and Deloitte & Touche ... Challenger said that most employers are aware that they will be facing a shortfall of employees as their baby boomers retire. "But they are certainly reducing the numbers they are hiring, and that might not change much in 2010," he said. ...
        WSJ Business Area -
http://www2.journalnow.com/content/list/business/area/ 
 
        Common Man News: America Loses 23000 Jobs Every Day
        By themancommon
        Common Man News. FAIR USE NOTICE: This blog may contain copyrighted material. Such material is made available for educational purposes, to advance understanding of human rights, democracy, scientific, moral, ethical, and social justice issues, etc. This constitutes a 'fair use' of ... The IMF pointed out that many of the most developed countries were carrying the added burden of ageing populations, which would soon be putting even greater pressures on the public finances. ...
        Common Man News -
http://themancommon.blogspot.com/ 
 
        Baby Boomers Blog - Articles News Videos : How Vegetables Can Help ...
        By David Au
        •Protects the body against damage from free radicals and prevents premature aging •Helps the body maintain healthy cholesterol levels •Keeps blood pressure at a healthy level •Keeps insulin levels normal and prevents unhealthy weight ...
        Baby Boomers Blog - Articles News Videos -
http://www.millionbabyboomers.com/baby_boomers_blog/ 
 
        Niche Worship Services | Jeremy Davidson
        By Jeremy Davidson
        Niche services can help your church stem the outward flow of younger generations away from your church. If you graduated 20 seniors from high school last year and hope to see them again consider creating a service that will connect with them before they leave ... I personnally think that if the church is so concerned with the size and care of the Baby-Boomer generation then they should start planting churches aimed at retirement communities and people above the age of 50. ...
        Jeremy Davidson -
http://jeremydavidson.org/ 
 
        Seniors, Mental Illness,
        By Karen Cifala
        Baby Boomers started to turn 60 in 2006 and were Vietnam protesters. Others that are aging today lived through the great depression! Well….I don't know about you, but I'M NOT OLD YET ! We have so many older adults today that we have to .... SENIOR REACH PROGRAM serving Boulder, Broomfield, Clear Creek, Gilpin and Jefferson Counties providing community training, outreach and direct in-home mental health, care management and supportive services to at risk older adults. ...
        Blog the Rockies -
http://blogtherockies.com/ 
 
        AARP Finds Online Retirement Calculators Need Improvement
        By admin
        AARP's Public Policy Institute recently published an interesting study which examines how effective online calculators are at helping baby boomers plan for retirement.
        Reverse Mortgage Daily -
http://reversemortgagedaily.com/ 
 
        Seniors World Chronicle: USA: Older job-seekers face special hurdles
        By Seniors World Chronicle
        VanDerhei, who has analyzed average 401(k) account balances for 22 million Baby Boomers, concluded, "The vast majority of people do not have enough savings to get out of the workforce at age 65." Retirees can begin receiving Social ...
        Seniors World Chronicle -
http://www.seniorsworldchronicle.com/ 
 
        As the Baby Boomers Age - article
        25% U.S. member, services. 65% home. Caregiving, circumstances. medicine. The ranks. 1986, old. group, parents, family, tuition, retirement. opportunities. Another members. run, Medicare. career, Years. ... By: Alex Jensen - Board and Care homes (also known as RCFE's - Residential Care Facilities for the Elderly) are residential private homes that have been licensed by the Department of Social Services to provide services to seniors. 2007 articlesroom.com - All Rights ...
        - http://www.articlesroom.com/126/.html 
 
        Retirement Security Focus of Senate Hearing
        Senior-Spectrum - Sacramento,CA,USA
        The result is that many baby boomers will only have Social Security and Medicare to rely on in their retirement.¡¨ Ignacio Salazar from SER-Jobs for Progress ...
Read more at:
http://senior-spectrum.com/news01_031009/
 
              United Auto Workers
        Auto Workers: Rescue Them or Not?
        New York Times Blogs - New York,NY,USA
        That is far much more generous than what most senior citizens get. ... The imminent retirement of the baby boomers will stretch Medicare beyond the breaking ...
Read more at:
http://roomfordebate.blogs.nytimes.com/2009/03/09/auto-workers-rescue-them-or-not/
 
        Baby Boomers Blog - Articles News Videos : Protectionism Versus ...
        By David Au
        Baby Boomers Blog - Articles News Videos. À¦¨à¼é³Õ«È Reviving Career, Money, Health, Retirement ss_blog_claim=5b8ba58a7de32d1b7779df347fcd2272. PreserveEstate ¡P HealthInf ¡P Anti-Aging ¡P Boomer Center ¡P GoldenSongs50s-80s ¡P GoogleAdsense ¡P MakeMoney ... Pavement Artist ¡P Does the Tech-savvy Baby Boomer Exist? Web Hosting Review for Boomers ¡P Seniors And Social Life - Where To Find Friends ¡P Cecilia Cheung Denouned Edison Chen - Dishonest, Unreliable, Hypocrite ...
        Baby Boomers Blog - Articles News Videos -
http://www.millionbabyboomers.com/ 
 
        Seniors Hip to Digital Technology : Bizzia
        By Sandy Mitchell
        ¡§Baby Boomers¡¨ are now a core part of this segment. As this segment nears retirement age, we can anticipate they will be seeking out information, communication and entertainment that is relevant to their current and changing lifestyles. ...
        Bizzia -
http://www.bizzia.com/ 
 
 
 
      

Saturday, March 28, 2009

Who Wants A Cement Company That Has Direct Exposure To China? EVERY Investor Who Executes The Positions In PURE PROFIT, That's Who!!!

Hello there!  We the business team would like to enrich your weekend with a very interesting article that focuses on China.  Yes, what's going on in China these days.
We hope you find it of interest and that you can use it to your advantage.
We wish you a pleasant weekend.
 
 
Who Wants A Cement Company That Has Direct Exposure To China? EVERY Investor Who Executes The Positions In PURE PROFIT, That's Who!!!
CEMENT, IT'S IN THE BAG!
 

Construction in China seemingly has no end. There are well over 100 metropolitan areas in China with a population well over 1 million. And these areas are growing fast!  They are consuming all the cement they can lay their hands on.
 

One area, called Chongqing (formerly Chungking), has a population in excess of 37 million. No typo!  That's about the population of California, and 30% larger than the population of Peru at 29 million. The population of Chongqing is growing (births plus immigration, minus deaths) at about 1,500 people per day. They need a place to live and that's just one illustration of why there's a construction boom in China.
 
Check this out: Anhui Conch Cement Company Limited ("Conch Cement"), China's largest cement producer has grown from producing 2 million tons of cement in 1996, to producing 65 million tons of cement in 2006.  This all by the means of mergers, acquisitions and scale expansions. They are the largest producers of cement in China for 10 consecutive years. But here's the kicker: they are the largest supplier of cement and clinker in ASIA, and the 4th largest globally. So you tell me, what's the down side???
 
GRYPHON'S PURE PROFIT WILL ONCE AGAIN OUT DUE ITSELF!  When was the last time you came across a business - any business - that churned out a 2100% profit margin in 3 years?
 
That's exactly what you get with this company and its wealth-producing cement and clinker.
 
MINIMUM RISK & UNLIMITED RETURN
 
At present, 60% of the global cement market is concentrated in the hands of the top 50 cement manufacturers worldwide. The Chinese mandated the elimination of 250 million tons of outdated cement production capacity by 2010. This industry consolidation will not only accelerate, but market shares and industry profiles will be concentrated to the strong companies, adding additional value created by acquisition opportunities because of the consolidation.
 
PURE PROFIT ESTIMATES China's cement industry concentration will be improved to 181% respectively just in 2008 alone!!!
 
A Tale of 3 cities???
 
Allow PURE PROFIT to illustrate the tremendous money-making power of the cement strategy. I think you'll like what I have to say.
 
An extremely large Swiss cement company HOLCIM recently raised its claim in the Chinese market. PURE PROFIT expects to raise its stakes to profit gains from 265% to 400% pretty much over night.
 
That's not all...
 
Anther cement giant with direct exposure to China and a listing on NYSE is Ireland's CRH. It's greener than the rolling hills and PURE PROFIT's information tells us that earlier this year CRH invested over $300 million for a 26% stake in JILIN YATAI GROUP, and if that's not enough they have an option to acquire an additional 23%. CHR stock has pounded lately!  It's currently trading at less than 6 times its earning, which makes it even cheaper than the industry giant CEMEX!
 
Who wants a cement company that has direct exposure to China? EVERY investor who executes the positions in PURE PROFIT, that's who!!!
 
When it comes to using cement, China dwarfs everyplace else on the planet. Here is a revealing graph from our friends at The Oil Drum:
 
 
 
 
 
 
 
Listen to what a few PURE PROFIT subscribers have to say:
"At 76 yrs. old you have to know how to be able to make the right investments. I have doubled my IRA account with PURE PROFIT. Thanks Gryphon."  Jessie Briggs Tyler, TX
 
"You have to see it to believe it! No one was more skeptical than me. With the worry of loosing my entire life savings at the age of 63, Pure Profit has shown me the way toward financial indepence."
 
Harold Rothstein, Florida NY
 
Heck of a graph, huh? Can you believe the comparison of China with everyplace else? The bottom line in all of this is that cement is a growth industry, maybe a growth industry on steroids?
 
PURE PROFIT investors know that being ideally positioned to capitalize on this earning growth is worth 70% Profit every year for the next 3 years - If You're Serious about Making Money...
 
So you probably noticed no one mentioned any special offers, no discounts. At just $799.00 per year or $1499.00 for two years - we won't sell it for a penny less. Serious investors know that $799 for just a taste of the profits you can earn as a PURE PROFIT subscriber is worth thousands.
 
In all fairness to you, please don't participate in PURE PROFIT if you're at all skeptical, and think this is just a shiny report. I urge you to move along if $799.00 isn't worth its weight in cement, this may not be for you!  Consider alternative newsletters.
 
THIS IS EXTENDED TO SERIOUS INVESTORS WHO ARE LOOKING TO MAKE A STEP TOWARD REAL WEALTH RIGHT NOW!!
 
I urge you to act fast! This offer will only be extended to the first 100 only!
 
 

Friday, March 27, 2009

BizSpark programme gives start-ups a fighting chance

Greetings everyone!  I'm Jayna Sheffield at the business desk.
Well, another weekend but before you put down your pens for the weekend I would like to talk a bit about a program that is giving sparks to start-ups.  In these present hard times, we need all the encouragement that we can get in order to keep on going.  We need to concentrate on finding the silver lining in that thick bank of clouds and hopefully I can help you to find it.
I'm Jayna Sheffield wishing you a great day and weekend.
 
 
Home business opportunities, Internet business opportunities, small business opportunities, business opportunities in Asia
Breaking news!  BizSpark programme gives start-ups a fighting chance       
 
        BizSpark programme gives start-ups a fighting chance
        Sunday Business Post - Dublin,Ireland
        Mac Innes set up his business four years ago when he saw an opportunity to apply technology to his family's traditional photo business. ...
Read more at:
http://www.sbpost.ie/post/pages/p/story.aspx-qqqt=NEWS+FEATURES-qqqm=nav-qqqid=39944-qqqx=1.asp
 
        Millions of Chinese migrant workers lose jobs
        The Australian - Sydney,Australia
        What I need is a job, and I hope the Government can create job opportunities." And what should be the priority for the Government back in his home area? ...
Read more at:
http://www.theaustralian.news.com.au/story/0,25197,25123430-28737,00.html
 
        Why Starting Your Own Home Business Is Not As Easy As It Would ...
        By Boat Loans
        Wages have stagnated in many Western nations in large part because corporations are increasingly tapping into the vast labor supply of cheap labor in Asia and South America. ... This, along with outsourcing itself, has created a ton of work from home business opportunities for dedicated individuals. It is no coincidence that small businesses now account for the largest percentage of new job creation in most Western nations as globalization continues to intensify. ...
        Boat Loan Comparisons -
http://anyboatloan.com/ 
 
        Jobs Opportunities in India | Articles World
        By Tolik
        Jobs Opportunities in India. By Tolik On March 1, 2009 Under Business. India is an economically growing developing country. It is rated on number 10th for world's largest economy and on number 3rd for Asia's economy. ... entertainment, pharmaceuticals, healthcare, the creative industries and financial services is providing solid base to Indian economy and job opportunities to masses. Small business enterprises are prospecting jobs traditionally for non graduates. ...
        Articles World -
http://www.articlesworld.com/ 
 
        Karolynas is an Independent USANA Distributor and Current Director ...
        By Karolynas
        This opportunity is USANA. The best-selling author, Robert Allen, has stated in NY Times: "the perfect home-based business. It's not real estate, but it's just as powerful. It takes little time or risk. It's so simple, anyone can do it. ... The number one in Comparative Guide to Nutritional Supplements in US, Canada, Australia and New Zealand. USANA has been featured in issues of Success From Home magazine. Tax strategist, Sandy Botkin, explains why working harder and ...
        Karolynas is an Independent USANA... -
http://karolynas.blogspot.com/ 
 
        Technical Writing in Plain English | Earn Money From Blogging
        By admin
        Due to the inherent uncertainties remaining in the companies' business directors consider that the prudent course is to use commutation gains in excess of known adverse developments to establish a prudential margin.' Company Secretary, Reinsurance Australia CorporationHow many people would understand this pompous gobbledygook?It has an average of 24 words per sentence, and has 25% long words (three or more syllables). We can measure the clarity of the writing if we wish, ...
        Earn Money From Blogging -
http://loveblogearn.cn/ 
 
        Methods in Home Schooling :Voice From Home
        By admin
        Some parents use distance learning programs via the media, Internet and correspondence programs. Special tools and materials like workbooks and guides, focusing on skill building, are designed specifically to teach subjects like math ... Home schooling is widely accepted and prevalent in countries like the USA, UK, Australia and New Zealand. These countries provide extensive programs and facilities for home education. In some places, educating children at home is not a ...
        Voice From Home -
http://voicefromhome.com/ 
 
        Marketing to the tribe
        Business Mirror - Philippines
        The image The French Baker sought when it opened up a business in 1988 was one of world-class quality and taste at prices accessible to its target market, ...
Read more at:
http://businessmirror.com.ph/home/marketing/6835-marketing-to-the-tribe.html
 
              AsiaOne
        In tough times, it's about who you know
        AsiaOne - Singapore
        'If you cocoon yourself at home, opportunities don't come fast and furious,' he says. 'With networking, you open yourself to new people and ideas. ...
Read more at:
http://business.asiaone.com/Business/Office/Learn/Job%2BHunting/Story/A1Story20090302-125715.html
 
        Starting A Home Business FAQ's | How To Start A Home Based Business
        By EMO Admin
        Regardless if you run the business online or not, the Internet is the most powerful environment for advertising and business promotion. Therefore, when starting a home business you have to take into consideration the importance of creating a good web ... It is never too late to start implementation of marketing strategies and initiate campaigns to boost your business level. For further free advice on a small small business idea that does make money be sure to try visiting ...
        How To Start A Home Based Business -
http://www.earn--money--online.com/ 
 
        Your Chamber of Commerce Can Help Grow Your Business
        By admin
        Chris doc is sacred to serving people find open and lawful online work at home and home supported business opportunities. Find lawful online paying surveys and another work at home opportunities today at: http://www.HomeNetPro.com ... SOLUTIONS FOR SMALL BUSINESS COMPUTER NETWORKS Crawley Ashford
asked: Computers have embellish very much a part of lives today. With each expiration day we are decent more and more interdependent on the astonishment machine. ...
        • 3News4You -
http://www.3news4you.com/ 
 
        Student Coach Travel for Cheap and Convenient Holidays | Free article
        By admin
        If you're a student, it's important to take advantage of your holidays and take the opportunity to travel while you can. It's all too easy to spend those long summer holidays at home, working during the day and catching up with old ... abroad - and the number of opportunities available to you are endless. For instance, you could take a six week backpacking holiday in India, China or South East Asia to discover some of the world's most exotic and historic locations. ...
        Free article -
http://www.2ked.com/ 
 
        Ready For Some Entertainment? Head To Las Vegas | Content for Reprint
        By rentalo
        Vacation rentals in Las Vegas offer other popular sight-seeing opportunities as well. You can travel up the Eiffel Tower Replica for a fabulous view of the lit-up city lying like a jewel in the desert or you can view marvelous artwork ...
        Full text recreation-and-leisure... -
http://www.content4reprint.com/recreation-and-leisure/travel/destinations/ 
 
        Cempaka Business and Economy: Muslim nations seek closer ties in ...
        By Cempaka
        Yudhoyono said the financial crisis also opened up new opportunities for Islamic banks in oil-exporting countries, noting that they have not been as severely affected as their Western counterparts because they did not invest in "toxic" .... Testing Times Ahead - Soaring fuel and food prices, combined with the US subprime crisis will have an impact on East Asian economies, but the region is now better positioned to weather the storm. Read more in the new East Asia Update, ...
        Cempaka Business and Economy -
http://watimas.blogspot.com/ 
 

 

Thursday, March 26, 2009

12 Tips to Prevent Your Computer From Viruses | PC TipsWill Save You Money

Hello There!  I'm Matt Chadwick at the business desk.
With more and more computers coming under fire from viruses and spy ware, it is time for us to give you some valuable tips on how to fight it and at the same time, save money in doing it.
To learn more, please read on.
I'm Matt Chadwick wishing you a great day.
 
 
Security tips for home computer users
Breaking news!                  12 Tips to Prevent Your Computer From Viruses | PC TipsWill Save You Money       
 
        4 Green Technology Tips That Will Save You Money
        Washington Post - United States
        Finally, we will take steps to block users who violate any of our posting standards, terms of use or privacy policies or any other policies governing this ...
Read more at:
http://www.washingtonpost.com/wp-dyn/content/article/2009/03/01/AR2009030102378.html
 
        Terry's Computer Tips - Newsletter Volume 4, Number 38
        Isn't a flash drive awfully expensive for social engineering? Against a home user, perhaps. Against a business where the bad guy thinks he can use it to get inside the network, it would be a cheap way to subvert the network's security. ...
        Terry's Computer Tips -
http://www.terryscomputertips.com/ 
 
        12 Tips to Prevent Your Computer From Viruses | PC Tips
        By Jason
        Symantec Security Response encourages all users and administrators to adhere to the following basic security “best practices†to prevent the virus attack to your computer:. 1. Use a firewall to block all incoming connections from the ...
        PC Tips Box -
http://www.pctipsbox.com/ 
 
        Computer Software Free Download and Internet Tips
        By meila
        This way, you can always watch what users are doing on the remote computer. Additionally, you can take control of a remote computer by controlling the mouse and keyboard; this is especially useful when you need to assist the person who uses the remote ... Agent can be remotely installed. Download Classroom Spy Professional 3.1.5 http://rapidshare.com/files/204264900/Classrom.Spy.Pro.v3.1.5.WinALL.Cracked-CzW.rar.
Posted by meila at 1:16
PM. Labels: Security and Spyware ...
        Computer Software Free Download... -
http://meila-digitalworld.blogspot.com/ 
 
        Mobile Banking How to Make Money with SelfBank Mobile ask Selfbank ...
        By admin
        Personal finance info, money tips, debt solutions, credit resources, mortgage help and loan assistance ... Register for a free user account today! Learn exciting News about Selfbank Financial Intelligence Group. How to take advantage of SBF and SBM through M-Commerce with SelfBankMobile on your cell phone or home computer. Become a User, VIP or Merchant. SelfBank is an educational, entrepreneurial, financial, and integrated marketing services company that gives its ...
        Money, Credit and Debt - Personal... -
http://www.moneycreditanddebt.com/ 
 
        The Google PageRank, algorithm and its working
        By D ave
        Home · Tips and Tricks · Blogger · Adsense · Contact Us. The Google PageRank, algorithm and its working. The Google PageRank, algorithm and its working. Introduction. Page Rank is considered very important by many Search Engine Optimisation (SEO) experts, .... Advanced users can d... Thankyou for posting this letter. Very intresting ... Thankyou. Proved very useful :) · All tricks at one place. thankyou. very useful · Its a very good website. and quality too is great ...
        Computer, Networking Tips and... -
http://techtnt2008.blogspot.com/ 
 
        Authentium Offers Secure Online Tax Filing Tips and Free Trial of ...
        MarketWatch (press release) - USA
        During tax season, this allows users to enter their most secure financial information for tax filing in complete security. ...
Read more at:
 http://www.marketwatch.com/news/story/authentium-offers-secure-online-tax/story.aspx?guid=%7BB46F476C-0BDA-4751-A521-EB920BA0EBF9%7D&dist=msr_1
 
        Betting on security
        Business Standard - Mumbai,Maharashtra,India
        Clearly, security is the business of the future. HCL Infosystems, a maker of computer hardware and a systems integrator, found itself in a favourable ...
Read more at:
http://www.business-standard.com/india/news/bettingsecurity/00/03/350594/
 
        Computer Infos - What Computer Hardware Magazines Are Out There
        By Mirco Mahrer
        These technology products can be used not only for games but also for entertainment products and for home theater systems based out of a computer. There are also computer hardware magazines that are for Apple users. ... These magazines can be found at a typical bookstore that sells magazines or at a computer product store. About the Author:. Interested in getting information on Computer and Security ? Computer Software More Computer and Security Tips : Computertips-xxl ...
        Split Testing Software -
http://www.conversionchick.com/blog/ 
 
        Should You Get a New Computer? ? Your Daily Computer Security Tips
        By Syd Tash
        Some computer users get so frustrated with viruses, Trojans, spyware, worms and other malware lurking on their PC, that they just give up and spring for a new computer. They think that starting over in this manner will solve all their ...
        Your Daily Computer Security Tips -
http://mypcsecurityblog.com/ 
 
        Computer-Internet Tips and Tricks: Wireless Comes With A Price
        By Computer Tips
        Most network services provide their users with security services, and connecting to the Internet Server is backed up by the security service of an Internet center that is housed within an infrastructure. ... degree when we place our wireless computers into the airwaves, however, most of us choose to accept these risks and use commonsense when it comes to giving information about ourselves over the Internet. à¢Õ¹â´Â Computer Tips ·Õè 9:05 AM ? Newer Post Older Post Home ...
        Computer-Internet Tips and Tricks -
http://pc-internet-tips.blogspot.com/ 
 
        Computer Software Free Download and Internet Tips
        By meila
        ESET are the producers of one of the best antivirus (NOD32) and security suites (ESET Smart Security suite) currently available - I've personally been using their NOD32 software for over 4 years and have recommended it to many people over the years. .... Use of the software is governed by the terms of the EULA (end user license agreement), if any, which accompanies or is included with the software ('License Agreement'). You may not download or install any software that is ...
        Computer Software Free Download... -
http://meila-digitalworld.blogspot.com/ 
 
        Disable unwanted services and speed up Windows 7
        By techknowl.com
        Features useful tips and tricks for webmasters, blogger and templates ,wordpress,seo,Youtube, Windows ,Apache,Google ,PHP,CSS,HTML,internet ,Yahoo,Orkut ,Google apps ,Microsoft,Firefox,Alexa ,web hosting,Mobile,Laptops,computers,Windows 7 , servers,Intel ... In Windows 7 there are many unwanted services .Many of these services are not meant for a normal home PC user . You can disable these settings , as per your requirements . 1. Application Experience 2. Computer Browser ...
        Blogger templates,Seo,Windows... -
http://www.techknowl.com/ 
 
 

Wednesday, March 25, 2009

Am I A Twit for Not Twittering? | Psychology Today Blogs

Good morning!  I'm Kerry J Harrison at the business desk.
How many of us are aware of the part that technology is playing in our mental being.  Would you like to learn how this is, why, and what we can do in order to combat it before it is too late?
To learn more, please read on. 
I'm Kerry J Harrison wishing you a great day.
 
 
News on stress, anxiety, and depression
Breaking news!          Am I A Twit for Not Twittering? | Psychology Today Blogs       
 
        Weekly meetings for stress, anxiety
        Whittier Daily News - Whittier,CA,USA
        WHITTIER - Take advantage of the free help for anxiety, depression, stress and anger offered by Recovery International at the 7 pm weekly meetings on ...
Read more at:
http://www.whittierdailynews.com/news/ci_11816264            
 
              AFP
        Stress, suicide: tough wounds for the US Army
        AFP
        WASHINGTON (AFP) — Anxiety, post-traumatic stress disorder and record-high suicide rates are haunting American veterans of the wars in Iraq and Afghanistan, ...
Read more at:
http://www.google.com/hostednews/afp/article/ALeqM5jY21veQdM8X8dlBJgV3Pwf6BUfrg
 
        Girls' Anti-Social Behavior Predictive of Later Depression ...
        By cherished79
        27 (HealthDay News) — Anti-social behavior among young elementary school girls and increased anxiety in either boys or girls that age tend to predict whether they develop depression in adolescence, a new study shows. ... Children, parents and teachers provided information that measured the students' levels of depression, anxiety, anti-social behavior and social competency. Parents were also asked by family and marital conflict, family stress and parental depression. ...
        LIVING IN STIGMA -
http://cherished79.wordpress.com/ 
 
        Am I A Twit for Not Twittering? | Psychology Today Blogs
        By carolinemiller
        Procrastination experts agree, saying that technological distractions are partly responsible for the rising levels of anxiety and depression among college students, who end up so distracted by bids for their attention that they ...
        THIS JUST IN: News, Insight,... -
http://blogs.psychologytoday.com/ 
 
        The Alternative Ways For Panic at Treatment News
        By TK
        Medications though helpful to combat the anxiety attack do have side effects. Heavy doses of antidepressants and benzodiazepines are reported to slow down the brain activity and are not recommended for a long duration. ...
        Treatment News -
http://treatments.news-of.com/ 
 
        Pampered Pregger & Beyond's Sound Bites: PP&B Community News 3-1-09
        By Pampered Pregger & Beyond
        The Many Faces of Anxiety Maternal anxiety occurs in approximately 15% of new mothers, although anxiety is not diagnosed as often as postpartum depression. View more » Unlocking Perinatal Mood Disorders The stigma associated with ...
        Pampered Pregger & Beyond's Sound Bites -
http://ppandb.blogspot.com/ 
 
        J-Source.ca -- The Canadian Journalism Project
        By no@spam.com (Alan Bass)
        The term describes a broad range of problems including diagnosed psychiatric conditions (anxiety, major depression, acute traumatic stress), as well as less severe problems that interfere with daily functioning (lack of concentration, emotional exhaustion). .... Consequently, journalists did not consider assignment stress injuries as a concern these services addressed. They agreed news organizations should cover the costs of seeing all appropriately qualified therapists, ...
        J-Source - Articles -
http://www.j-source.ca/ 
 
        The Functional Neuroanatomy of Dread: Functional Magnetic ...
        Am J Psychiatry (subscription) - USA
        Informed by previous literature implicating-overhyperactivation in the amygdala in the anterior medial temporal lobes, in both anxiety and depression, ...
Read more at:
http://ajp.psychiatryonline.org/cgi/content/full/166/3/263
 
        Stepped-Care Prevention of Anxiety and Depression in Late Life A ...
        Archives of General Psychiatry - USA
        Objective To determine the effectiveness of an indicated stepped-care prevention program for depression and anxiety disorders in the elderly. ...
Read more at:
http://archpsyc.ama-assn.org/cgi/content/short/66/3/297
 
        Anxiety, stress, fear on upswing
        Local and national mental health experts said that the loss of jobs, homes and retirement savings has triggered an increase in the number of people with symptoms related to anxiety or depression, such as changes in sleeping and eating patterns, headaches and nervousness. ... In the latest Washington Post-ABC News poll, 57 percent of those surveyed said the nation's economic condition is a cause of stress in their lives. More than a quarter said they had "serious" anxiety . ...
        Stories: Local News -
http://www.charleston.net/news/local/ 
 
        Natural Panic Disorder Healing Methods - Overview Of Various ...
        By TK
        Yoga has been an effective treatment for stress and anxiety for centuries. The gentle physical movements, breathing practices and the relaxation techniques harmonize the functions of the nervous system and relax the body. Meditation ... Tai Chi originates from China and is advisable for people suffering from any form of anxiety or depression. The technique of Tai Chi could be compared to a combination of breathing techniques and meditation. It is possible to practice Tai ...
        Treatment News -
http://treatments.news-of.com/ 
 
        Treating substance abuse and depression effective | Euro News 24
        To fill the gap in knowledge, Hesse identified nine trials that compared integrated treatment to substance abuse treatment only for people with substance use problems and anxiety or depression. While the studies used different methods ...
        Euro News 24 - News -
http://www.euronews24.org/ 
 
        Information sheets for patients presenting with acute chest pain ...
        NeLM news service. Information sheets for patients presenting with acute chest pain: randomised controlled trial. Reference: British Medical Journal, published early online on 26 February 2009. Source: BMJ ... According to research published early online in the British Medical Journal, provision of an information sheet to patients with acute chest pain can reduce anxiety and depression and improve mental health and perception of general health but does not alter ...
        NeLM - News -
http://www.nelm.nhs.uk/en/NeLM-Area/News/ 
 
        Video game Everquest 2 provides new way to study human behavior ...
        Science News and Science Current Events Tag Cloud This tag cloud is a visual representation of term frequencies of random science news topics with common terms grouped together and emphasized by their display size. ... She is four years into an eight-year study evaluating 650 students, who were 16 when the study began, to identify risk factors for the development of anxiety and depression - the most comprehensive study of its kind. Teens' failure to use condoms linked to ...
        Brightsurf Science News :: Cell... - http://www.brightsurf.com/ 
 

 

Tuesday, March 24, 2009

Important answers to consumers concerns

    Top of the day to you out there. 
I'm Donna J. Jodhan at the business desk.
Today, I would like to start by thanking all of you wonderful readers out there for sending along your questions and concerns and it is only through you that we can continue to produce this weekly feature.
So, keep your feedback coming.
Time now to open up our e-bag.
 
 
Important answers to consumers concerns
 
Question from Ian Cain:  How important is it for a company to ensure accurate language translations?
Answer:  Ian, as the president of a translation company, I can tell you that it is very important for a company to ensure that translations are accurate and appropriate and that they cater to the right market.  For example, if you are planning to send out translation to persons of South America, it is very important to ensure that the translations are done using South American Spanish and not Castilian Spanish.  You would be surprised to learn how quickly your company could find itself in deep trouble if you do not send out the right type of translation.  Please read carefully my reference below.
Choosing the right translator for your overseas campaign | Dynamic ...
By Tea Dietterich
Checkers check the translated text against the English original, and proofreaders check the text without comparing with the original. If you need your company documentation in a foreign language, you will need a translator. If you need someone on site ... Check the dialect your target market speaks. South American Spanish or Madrid Spanish? North African or Gulf Arabic? Do you want English for non-English mother tongue readers? Be specific. Speak your reader's language. ...
Dynamic Business -
http://www.dynamicbusiness.com/ 
 
Question from Ricky Wilding:  Donna, How can I communicate more affectively with those whose English is limited?
Answer:  Ricky, I have a perfect reference for you to check out but I would like to add some words of wisdom.  You must always keep in mind how important it is for you to be able to communicate effectively with your consumers who do not speak English as their first language.  You need to find ways to reach out to them because this market is a very large one and demand and growth are both very real.  I hope that my reference helps.
Ignoring your LEP audiences now can cost you now … or later ...
By marketing
Communicating, in a culturally sensitive way, with all of your limited English proficient (LEP) communities is critical for a variety of reasons. Failure to respect this step in the name of expediency or expense is sure to cost you somewhere else ... Connect with your LEP communities with effective medical translations in Spanish, Russian, Vietnamese, Chinese, Korean, Arabic, Tagalog and more. As a leading provider of medical and healthcare translation services in over 50 ...
viaLanguage - Speaking Healthcare... -
http://www.vialanguage.com/Blog/ 
 
Question from Jamie Atenberger:  How can I use technology to re-event the wheel for my business?
Answer:  Jamie, not sure if I understand your question but I have chosen an article for you which I feel may be of use to you.  Please give it a read and I hope it helps.
BizSpark programme gives start-ups a fighting chance
Sunday Business Post - Dublin,Ireland
Mac Innes set up his business four years ago when he saw an opportunity to apply technology to his family's traditional photo business. ...
Read more at:
http://www.sbpost.ie/post/pages/p/story.aspx-qqqt=NEWS+FEATURES-qqqm=nav-qqqid=39944-qqqx=1.asp
 
Question from Brianna Chipperfield:  I am wondering out loud how are the Chinese dealing with their economic downturn these days and what's happening to all of those Chinese migrant workers scattered across the Asian Pacific?
Answer:  Brianna, here you go.  A great article for you to read.  It is very insightful and gives you a lot of information on what's going on in that part of the world at the present time.  The Chinese have recently announced more stimulus incentives to get their economy going. 
Millions of Chinese migrant workers lose jobs
The Australian - Sydney,Australia
What I need is a job, and I hope the Government can create job opportunities." And what should be the priority for the Government back in his home area? ...
Read more at:
http://www.theaustralian.news.com.au/story/0,25197,25123430-28737,00.html
 
Question from Dana Rankin:  How easy do you think is it to start a home business?
Answer:  Dana, I truly believe that in order to start a home business one has to spend a lot of time thinking, researching, planning, and deciding.  So many people make it out to be very easy, but in reality it is not.  I would like you to read my reference below.  I hope it helps.
Why Starting Your Own Home Business Is Not As Easy As It Would ...
By Boat Loans
Wages have stagnated in many Western nations in large part because corporations are increasingly tapping into the vast labor supply of cheap labor in Asia and South America. ... This, along with outsourcing itself, has created a ton of work from home business opportunities for dedicated individuals. It is no coincidence that small businesses now account for the largest percentage of new job creation in most Western nations as globalization continues to intensify. ...
Boat Loan Comparisons -
http://anyboatloan.com/ 
 
Question from Phil Illdick:  I just graduated from college and would like to know what do you think of job opportunities in Asia?  Specifically in India or China?
Answer:  Phil, I have a great article for you to read.  Check out this one.
Jobs Opportunities in India | Articles World
By Tolik
Jobs Opportunities in India. By Tolik On March 1, 2009 Under Business. India is an economically growing developing country. It is rated on number 10th for world's largest economy and on number 3rd for Asia's economy. ... entertainment, pharmaceuticals, healthcare, the creative industries and financial services is providing solid base to Indian economy and job opportunities to masses. Small business enterprises are prospecting jobs traditionally for non graduates. ...
Articles World -
http://www.articlesworld.com/ 
 
Question from Cathy Dalhousy:  Donna, is there really money to be earned from blogging and does it depend on how clearly one can write?
Answer:  Cathy, I believe that there is money to be earned from blogging and yes, it does depend on how well one can write.  My reference below seems to support my opinion.  Please give it a read.
Technical Writing in Plain English | Earn Money From Blogging
By admin
Due to the inherent uncertainties remaining in the companies' business directors consider that the prudent course is to use commutation gains in excess of known adverse developments to establish a prudential margin.' Company Secretary, Reinsurance Australia CorporationHow many people would understand this pompous gobbledygook?It has an average of 24 words per sentence, and has 25% long words (three or more syllables). We can measure the clarity of the writing if we wish, ...
Earn Money From Blogging -
http://loveblogearn.cn/ 
 
Question from Ron Friedman:  Donna, how important is it for one to network in order to get things going?
Answer:  Ron, I think that especially so during these present hard times, it is o so important for one to get out there and create relationships in order to build their reputations and circulate their names.  These days, it's all about whom you know not just what you know.  Please read my reference below.
AsiaOne
In tough times, it's about who you know
AsiaOne - Singapore
If you cocoon yourself at home, opportunities don't come fast and furious,' he says. 'With networking, you open yourself to new people and ideas. ...
Read more at:
http://business.asiaone.com/Business/Office/Learn/Job%2BHunting/Story/A1Story20090302-125715.html
 
Question from Rina Gooding:  I just lost my job and would like to start a home business.  Where do I start?
Answer:  Rina, I am going to let the following reference give you some guidance.  Please give this one a read.  Many people have different answers for you and I am among them but this article is a good one for you to investigate.
'Starting A Home Business FAQ's | How To Start A Home Based Business
By EMO Admin
Regardless if you run the business online or not, the Internet is the most powerful environment for advertising and business promotion. Therefore, when starting a home business you have to take into consideration the importance of creating a good web ... It is never too late to start implementation of marketing strategies and initiate campaigns to boost your business level. For further free advice on a small small business idea that does make money be sure to try visiting ...
How To Start A Home Based Business -
http://www.earn--money--online.com/ 
 
Question from Taylor Pitton:  Are banks in Eastern countries as badly off as ours here in the US?
Answer:  Taylor, I recently came across the reference below and was quite taken aback when I read it.  I found it very interesting and informative.  Please give it a read.  The picture for banks in that part of the world is not nearly as bad as for those here in the US.
Cempaka Business and Economy: Muslim nations seek closer ties in ...
By Cempaka
Yudhoyono said the financial crisis also opened up new opportunities for Islamic banks in oil-exporting countries, noting that they have not been as severely affected as their Western counterparts because they did not invest in "toxic" .... Testing Times Ahead - Soaring fuel and food prices, combined with the US subprime crisis will have an impact on East Asian economies, but the region is now better positioned to weather the storm. Read more in the new East Asia Update, ...
Cempaka Business and Economy -
http://watimas.blogspot.com/ 
 
Question from Orlando Ramirez:  Can RRSPs really be a security blanket for retirees?
Answer:  Orlando, great question and I believe that they can.  However, I am going to refer you to an article that I found for you.  I hope it helps.
RRSP can offer financial security in retirement
StarPhoenix - Saskatoon,Saskatchewan,Canada
Think of the millions of Canadian baby boomers retiring en masse between now and 2030. We hope that our pay-as-you-go Old Age Security (and Guaranteed ...
Read more at:
http://www.thestarphoenix.com/Life/RRSP+offer+financial+security+retirement/1343522/story.html
 
Question from Jan Steadman:  Donna, how can we take advantage of the knowledge and experience of aging baby boomers and seniors?
Answer:  Jan, here you go.  A perfect article for you to red but here is my opinion for what it is worth.  I think that older adults can provide us with an untapped source of experience, skills, and knowledge.  What so many fail to remember is that older adults have already lived it all and their ability to pass on the knowledge and experience is practically limitless.  The reference below has some very important facts to pass along.
DOVIA of Des Moines: Older adults an untapped resource?
By Anthony
Currently, seniors comprise approximately 21 percent of the residents of the United States. This number is only going to increase over the next twenty to thirty years as the almost 79 million members of the "Baby-Boomer" generation mature. ... Each year about seven to nine million older people use Older Americans Act (OAA) services, whose delivery largely depends upon the efforts of half a million volunteers. These volunteers work through a nationwide network of federal ...
DOVIA of Des Moines -
http://doviadm.blogspot.com/ 
 
Question from Josh Fenton:  How can I prevent my computer from catching viruses?
Answer:  Josh, here you go.  The reference below can provide you with some very important tips.  Hope it helps.
12 Tips to Prevent Your Computer From Viruses | PC Tips
By Jason
Symantec Security Response encourages all users and administrators to adhere to the following basic security “best practices†to prevent the virus attack to your computer:. 1. Use a firewall to block all incoming connections from the ...
PC Tips Box -
http://www.pctipsbox.com/ 
 
Question from Jacob Yanish:  Do you have any info to share on communicating with remote computers?
Answer:  Jacob, yes.  Try this one.  It seems very interesting and may have some great info for you.
Computer Software Free Download and Internet Tips
By meila
This way, you can always watch what users are doing on the remote computer. Additionally, you can take control of a remote computer by controlling the mouse and keyboard; this is especially useful when you need to assist the person who uses the remote ... Agent can be remotely installed. Download Classroom Spy Professional 3.1.5 http://rapidshare.com/files/204264900/Classrom.Spy.Pro.v3.1.5.WinALL.Cracked-CzW.rar.
Posted by meila at 1:16
PM. Labels: Security and Spyware ...
Computer Software Free Download... -
http://meila-digitalworld.blogspot.com/ 
 
Question from Anne Levine:  Do you have any knowledge of mobile banking?
Answer:  Anne, not much but I found something for you to research.  Hopefully it will help you and answer some of your questions.
Mobile Banking How to Make Money with SelfBank Mobile ask Selfbank ...
By admin
Personal finance info, money tips, debt solutions, credit resources, mortgage help and loan assistance ... Register for a free user account today! Learn exciting News about Selfbank Financial Intelligence Group. How to take advantage of SBF and SBM through M-Commerce with SelfBankMobile on your cell phone or home computer. Become a User, VIP or Merchant. SelfBank is an educational, entrepreneurial, financial, and integrated marketing services company that gives its ...
Money, Credit and Debt - Personal... -
http://www.moneycreditanddebt.com/ 
 
Question from Shayne McKay:  Do you know anything about how those Google algorithms work?
Answer:  Shayne, not really but I have a reference for you to read.  I myself have already started to read it.
The Google PageRank, algorithm and its working
By D ave
Home • Tips and Tricks • Blogger • Adsense • Contact Us. The Google PageRank, algorithm and its working. The Google PageRank, algorithm and its working. Introduction. Page Rank is considered very important by many Search Engine Optimisation (SEO) experts, .... Advanced users can d... Thankyou for posting this letter. Very intresting ... Thankyou. Proved very useful :) • All tricks at one place. thankyou. very useful • Its a very good website. and quality too is great ...
Computer, Networking Tips and... -
http://techtnt2008.blogspot.com/ 
 
Question from Bruce Gravelle:  My computer has been infected with a horrible virus.  Should I buy a new one?
Answer:  Bruce, no, please do not.  Before you do anything, please read my reference below.  So many people make the gross error to buy a new computer whenever theirs has been infected with a virus.  It does not help.
Should You Get a New Computer? ? Your Daily Computer Security Tips
By Syd Tash
Some computer users get so frustrated with viruses, Trojans, spyware, worms and other malware lurking on their PC, that they just give up and spring for a new computer. They think that starting over in this manner will solve all their ...
Your Daily Computer Security Tips -
http://mypcsecurityblog.com/ 
 
Question from Zack Homer:  Can we really blame technology for rising levels of stress among us?
Answer:  Zack, I am going to defer to a terrific article that I found for you.  They do a terrific job at answering this question.
Am I A Twit for Not Twittering? | Psychology Today Blogs
By carolinemiller
Procrastination experts agree, saying that technological distractions are partly responsible for the rising levels of anxiety and depression among college students, who end up so distracted by bids for their attention that they ...
THIS JUST IN: News, Insight,... -
http://blogs.psychologytoday.com/ 
 
Question from Erin Carlsen:  Is it true that anxiety and stress are on the upward march?
Answer:  Erin, definitely so and we can put the blame squarely on our worsening economy and its effects on our mental health.  Please read my reference below.
Anxiety, stress, fear on upswing
Local and national mental health experts said that the loss of jobs, homes and retirement savings has triggered an increase in the number of people with symptoms related to anxiety or depression, such as changes in sleeping and eating patterns, headaches and nervousness. ... In the latest Washington Post-ABC News poll, 57 percent of those surveyed said the nation's economic condition is a cause of stress in their lives. More than a quarter said they had "serious" anxiety . ...
Stories: Local News -
http://www.charleston.net/news/local/ 
 
I am out of time for this week but before I leave you, here is my tiny tip.
With economic conditions as they are today, there is an increasing number of scammers out there trying to rob you of your worldly possessions.  If something sounds just a bit too good to be true, then ignore it.  If someone approaches you with a proposition on behalf of a company, then please take the extra minutes to check it out.  Make sure that the company is a legitimate one that has given the rep in question permission to approach you.
 
I'm Donna J. Jodhan at the business desk wishing you a terrific day and week ahead.

Monday, March 23, 2009

Economic crisis scrambles retirement math | csmonitor.com

Good day!  I'm Jeff N Marquis at the business desk.
Today, I would like to tackle the very daunting topic of how this present economic crisis has managed to scramble retirement savings for practically millions of Americans and indeed millions of others around the world.  This crisis is deep, daunting, and does not seem to want to leave us anytime soon.  Our aging baby boomers and seniors are the ones suffering the most. 
To learn more, please read on.
I'm Jeff N Marquis wishing you a pleasant day.
 
 
News for retirees, aging baby boomers, and seniors
Breaking news!          Economic crisis scrambles retirement math | csmonitor.com       
 
        Economic crisis scrambles retirement math | csmonitor.com
        Katharine Roberts (right) and Nelly Falcon visit the Canaan Senior Service Center in New York. Many seniors are having to adapt their lifestyles to the worsening economy. (Shannon Stapleton/Reuters) ... of middle-class homeowners still have little or no equity even after they have been homeowners for several decades," write economists Dean Baker and David Rosnick, of the Center for Economic and Policy Research, in a new report on baby boomers and the housing collapse. ...
        Christian Science Monitor | Commentary -
http://www.csmonitor.com/ 
 
        Minding Our Elders®: Could Cleansing Our Livers Unlock One Door To ...
        By Carol Bradley Bursack
        Richard Nelson Bolles: What Color Is Your Parachute? for Retirement: Planning Now for the Life You Want (What Color Is Your Parachute? for Retirement: Planning Now for the) · Mem Fox: Wilfrid Gordon McDonald Partridge ... TrackBack. TrackBack URL for this entry: http://www.typepad.com/services/trackback/6a00d8341c7d1753ef0112790cfafd28a4. Listed below are links to weblogs that reference Could Cleansing Our Livers Unlock One Door To Alzheimer's Control?: ...
        Minding Our Elders® -
http://www.mindingoureldersblogs.com/ 
 
        RRSP can offer financial security in retirement
        StarPhoenix - Saskatoon,Saskatchewan,Canada
        Think of the millions of Canadian baby boomers retiring en masse between now and 2030. We hope that our pay-as-you-go Old Age Security (and Guaranteed ...
Read more at:
http://www.thestarphoenix.com/Life/RRSP+offer+financial+security+retirement/1343522/story.html
 
        GOP's deficit howl lacks credibility
        The Daily Astorian - Astoria,OR,USA
        5 million Baby Boomers will be leaving the work force a year for the next .... jobs that used to create revenue and pay for social services here in America. ...
       Read more at:
http://www.dailyastorian.info/main.asp?SectionID=23&SubSectionID=392&ArticleID=58548&TM=34061.27
 
        DOVIA of Des Moines: Older adults an untapped resource?
        By Anthony
        Currently, seniors comprise approximately 21 percent of the residents of the United States. This number is only going to increase over the next twenty to thirty years as the almost 79 million members of the "Baby-Boomer" generation mature. ... Each year about seven to nine million older people use Older Americans Act (OAA) services, whose delivery largely depends upon the efforts of half a million volunteers. These volunteers work through a nationwide network of federal ...
        DOVIA of Des Moines -
http://doviadm.blogspot.com/ 
 
        City of Indio plans for seniors | MyDesert.com | The Desert Sun
        He and other baby boomers, he said, are fairly tech-savvy and will appreciate access to computer labs and other Internet services. Harrell said he plans to stay physically active, and enjoys the senior center's exercise programs. ... Indio's senior plan highlights the importance of preparing now for the needs of residents like Harrell and other baby boomers who will enter their retirement years soon, said Cherry Ishimatsu, chairwoman of the senior master plan committee. ...
        MyDesert.com - -
http://www.mydesert.com/ 
 
        APA Transportation Planning Division: LaHood, Oberstar meet with ...
        By Harry McGinnis-APA/TPD
        Congress should address the needs of the disabled, seniors and low income people by providing the necessary resources and framework to offer high quality services to meet their needs. ... Because of the graying of the baby boomer generation , many transit workers will reach retirement age in the next few years. The transit industry needs to train both blue- and white-collar employees to replace retiring employees. The Transportation Job Corps Act will create a career ...
        APA Transportation Planning Division -
http://apa-tpd.blogspot.com/ 
 
        Baby Boomers Blog - Articles News Videos : Web Hosting Review for ...
        By David Au
        Web Hosting Review for Boomers. Couple of week ago, my blog was down. When people want to read my blog, they were shown a ad page of my hosting company. This is bad for my readers and myself. Of course, you wouldn't want this to happen ...
        Baby Boomers Blog - Articles News Videos -
http://www.millionbabyboomers.com/ 
 
        Retirement Life Matters: Help a Small Business
        By CathyS
        Retirement Life Matters. Explore the opportunities of the New Aging ... The good news is the savings has shifted from a negative rate to over 8%. This is in part a good thing. BUT, if we totally button up and stop spending completely, we'll collectively send the economy into the depression everyone is talking about. Most people don't realize that small business is the backbone of our country. Over the last twenty years, small business has had the most job growth. ...
        Retirement Life Matters -
http://retirementlifematters.blogspot.com/ 
 
        Concrete Polishing a Choice for Homes | Home Business Ideas
        By Mercie Hallow
        As many seniors are unable to sell their homes in the faltering real estate market, a new option of aging in place is more accessible – and popular – than ever. Additionally, the number of aging Baby Boomers presents a burgeoning market of ... Truro entrepreneurs take home prestigious business award (The Truro Daily News) March 4, 2009. TRURO - Inglis Jewellers co-owners Greg Johnston and Paul Clark have been named the recipients of the 2008 Business Development Bank of ...
        Home Business Ideas -
http://home-business.vjad.net/ 
 
        Brittle Towers | Firegeezer.com
        By FossilMedic
        This will affect the 78 million baby boomers that are starting to celebrate their 65th birthday. There is about one geriatric-certified physician for every 2500 older Americans. There is high turnover of allied health staff, ... NATURALLY OCCURING RETIREMENT COMMUNITIES Residents do not want to move and there are enough seniors to make it economically feasible for aging services to come to them. These apartments and housing developments become de facto assisted living and ...
        Firegeezer.com -
http://www.firegeezer.com/ 
 
        Life is Good for Senior Citizens | NewsForNatives.com
        Private businesses also do their share by offering specialist services and special senior citizen discounts. Seniors deserve all these, because they were the contributors to the society in the not so distant past. .... The Indian Head Test Pattern became familiar to the large post-war Baby Boom TV audiences in America from 1947 onwards; it would often follow the formal television station sign-off after the United States national anthem. The Indian Head was also used in ...
        NewsForNatives.com -
http://newsfornatives.com/blog/ 
 
        Home health care companies thriving
        Pekin Daily Times - Pekin,IL,USA
        By Ed McMenamin The aging population has helped at least one industry — home health ... "As the need goes up with the baby boomer population and the current ...
Read more at:      
http://www.pekintimes.com/news/x594737050/Home-health-care-companies-thriving            
      
        Home Care Spectrum Group workshop in Buena Park
        OC Metro - Newport Beach,CA,USA
        ... as baby boomers reach retirement age and economic woes prevent many seniors ... The option of "aging in place" is more accessible and popular than ever. ...
Read more at:
http://www.ocmetro.com/t-Home_Care_Spectrum_Group_workshop_in_Buena_Park_3_5_09.aspx
 
      
        Financial crisis drives more boomers to online news - The Wealthy ...
        By Jonathan_Chevreau
        Canada's trusted source for national news, financial news, world news, commentary, entertainment and sports. ... Between late December and early January, Leger Marketing polled 2111 Canadian baby boomers (aged 45 to 64). It found 86% use the Internet to read or find financial information, including 28% that research their investments online. Also, 22% managed their investments online, while 12% are online traders. 82% use the web to get travel information. ...
        National Post Canada -
http://network.nationalpost.com/np/blogs/ 
 
        Job Forecast Grim for College Seniors | Drudge Retort
        By rcade
        Baby-boomers will start retiring at a higher rate and jobs will open up. More people will be retiring than people coming in, and the youth will have the upper hand. #6 | Posted by taxman at 2009-03-05 12:50 PM | Reply | Flag: ...
        Drudge Retort: Rcade's blog -
http://www.drudge.com/user/rcade 
 
        Social Security, Special Deals & Guidance for Senior Citizens ...
        You have all the rights to enjoy the retirement life, because you have contributed to your family, society, the companies you have worked for and for the society. And, a healthy, enjoyable life is your right, because you have laid all the ... For those people interested in senior citizen welfare, programs, social security and senior citizen only deals can use American Federation of Seniors website, which will be constantly updated with news and special information of ...
        NewsForNatives.com -
http://newsfornatives.com/blog/ 
 
 

Saturday, March 21, 2009

As General Motors Goes, So Goes the Nation

Hello there!  We the business desk team are pleased to share a very insightful article with you this weekend.  One that focuses on the effects that General Motors is having on our economy.  As General Motors continues to slide downwards, so too does our economy.  Read more by checking out our selection below.
We wish you a great weekend.
 
 
Dear Investor,
 

 My name is Michael Warren, I am a partner of the firm Gryphon Financial and head of equity Hedge Fund strategies as well as managing our offshore Hedge Fund and Structured products division.  Since 1993 I have played a integral role in the developement of Gryphon Financial the Newsletter Division.  I am a graduate from Columbia University and The Wharton School of Business. I come from a long line of investors and Traders, as a matter of fact five generations.  It's my personal opinion that we can outperform any Newsletter in the business. I would be more than happy to help with any questions.   I can be reached at 1-800-828-9921 or 212-859-5088.
 

--------------------------------------------------------------------------------
 

As General Motors Goes, So Goes the Nation
 

General Motors was founded in 1908 in Flint, Michigan and grew to be the largest corporation in the world. Its market capitalization reached $50 billion in 2000. In the past week its market capitalization dropped below $1 billion to levels last seen during the 1920's. The story of General Motors is the story of America. In 1953, at the peak of its dominance, its President Charles Wilson declared before Congress that what was good for the country was good for GM and vice versa. Its rise to power and decline towards insolvency parallel the rise and fall of the Great American Republic. Overconfidence, hubris, lack of courage, foolish decisions made, and crucial decisions deferred have been the hallmarks of GM and U.S. GM's stock price reached at $1.77 last week, a 71 year low. It peaked at $100 during the Dot Com boom in 2000 and was still at $50 in 2007. The market has voted and it says GM is bankrupt.
 
 
 
American carmakers have seen their market share drop from 85% in 1985 to 43% today. GM's market share peaked at almost 50% in the 1960's. It reached a historic low of 19.5% in January. Their sales plummeted 49% from a year ago. GM has too much debt, too much bureaucracy, too many plants, too many car lines, too many employees, and too many future healthcare and pension obligations. Of course, the only way a company can be in such a disastrous position is through decades of mismanagement. The only logical solution is for GM to enter a pre-packaged bankruptcy with financing provided by the U.S. government if bank financing is unavailable. Shareholders and bondholders will be wiped out. They made a bad investment. Plants will be closed, UAW contracts restructured, management replaced, employees fired, debt written off and future obligations reduced. A much smaller viable company that can compete in the 21st Century would exit bankruptcy in a year or two. A profitable, low market share is preferable to a high market share with billions in loses.
 
 
 
Source: Automotive Data Center & R.L. Polk
 
The decline of GM is a testament to how poor strategic decisions over the course of decades will ultimately lead to collapse. The United States has followed the GM model of failure for the last three decades. The U.S. has too much debt, too much bureaucracy, too many government supported industries, too many agencies, too many employees, and $53 trillion of unfunded future liabilities. See any similarities to GM? Can the U.S. avoid the fate of GM, or is it too late? If we can learn the important lessons of the GM decline, it may not be too late to reverse our course. Or we can continue on the current path and follow the advice of Will Rogers.
 
"If stupidity got us into this mess, then why can't it get us out?"
 
Meteoric Rise
 
By the early 1920s, General Motors had surpassed Ford Motor Company as the largest car company in the U.S. under the leadership of Alfred P. Sloan. He created the concept of annual styling changes that kept consumers coming back. He also established a pricing structure for each of GM's brands from lowest to highest (Chevrolet, Pontiac, Oldsmobile, Buick and Cadillac). The idea was to keep a family coming back to GM over time as they become wealthier. He was a pioneer who drove GM to become the largest and most profitable industrial enterprise the world had ever known. His words reflect that spirit.
 
"There has to be this pioneer, the individual who has the courage, the ambition to overcome the obstacles that always develop when one tries to do something worthwhile, especially when it is new and different."
 
In the midst of the Great Depression, Mr. Sloan was able to keep General Motors profitable. That is an indication of a smart, realistic businessman who didn't make poor decisions during the Roaring 20s. GM's results during the heart of the Depression, when one-third of all dealers went broke, according to Automotive Daily News were:
 
1929 Net sales - $1,504,404,472               Net income - $248,282,268
 

1930 Net sales - $983,375,137                  Net income - $151,098,992
 

1931 Net sales - $808,840,723                  Net income - $96,877,107
 

1932 Net sales - $432,311,868                  Net income - $164,979
 
By 1936, GM managed to increase car sales to 1.7 million and to 2 million by 1941, before converting operations to military requirements. Only an executive like Sloan comfortable in his own skin and tolerant of other opinions would speak the following words.
 
"If we are all in agreement on the decision - then I propose we postpone further discussion of this matter until our next meeting to give ourselves time to develop disagreement and perhaps gain some understanding of what the decision is all about."
 
The best business decisions are made after open debate that includes dissenting opinions and arguments. Only great leaders allow this type of decision making. Alfred Sloan led GM for over 30 years, retiring in 1956. GM's profit in 1955 had reached $1.2 billion ($8 billion in today's dollars). It was on top of the world.
 
On Top of the World
 
During World War II General Motors produced armaments, tanks, vehicles, and aircraft to help the Allies to victory. During the 1950s, GM became the largest corporation in America and became the 1st company to pay taxes over $1 billion in a single year. In 1955, GM employed 624,000 Americans. In the copy of the 1955 GM Annual report below, it shows that only 27 cents of every dollar of revenue was paid to employees. The GM business model was very profitable. Their market share peaked at 54% in 1954, the same year they sold their 50 millionth automobile. After the retirement of Sloan, a visionary leader failed to materialize. GM began to show signs of overconfidence as the 1960s arrived. They started to believe their own press clippings. They failed to heed the advice of another well known auto man Lee Iacocca.
 
"The most successful businessman is the man who holds onto the old just as long as it is good, and grabs the new just as soon as it is better."
 
 
 
Peter Drucker, the world renowned management guru, wrote a detailed analysis of General Motors in 1946 called Concept of the Corporation. His suggestions to management and the UAW were scoffed at by both parties. He suggested the automaker might want to reexamine a host of long-standing policies on customer relations, dealer relations, and employee relations. Among his specific recommendations was for GM's hourly workers to assume more direct responsibility for what they did, adopting a "managerial aptitude" and operating within a "self-governing plant community." The UAW's powerful president, Walter Reuther, greeted that notion this way: "Managers manage and workers work, and to demand of workers that they take responsibility for what is management's job imposes an intolerable burden on the working man." Reuthner did not fall into the "visionary" category.
 
Glory Days
 
As the 1960s began GM began decades of reacting to competitors rather than showing the way. As the European car makers introduced smaller cars, GM introduced the Chevrolet Corvair. This car later was attacked by Ralph Nader, who wrote book Unsafe at Any Speed, which led to congressional auto safety hearings. Speed took precedence over safety. GM continued to maintain its worldwide dominance through the 1960s into the 1980s. New car controversy plagued the company during these decades. Every decade, a major new product line was launched with defects of one type or another showing up early in their life cycle. In every case improvements were eventually made to fix the problems, but the resulting improved product ended up failing in the marketplace as its negative reputation overshadowed its eventual quality. Again, Lee Iacocca's wisdom went unheeded at GM.
 
"In the end, all business operations can be reduced to three words: people, product, and profits."
 

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Renaissance Center - GM Headquarters
 
 
 
Source: Wikipedia
 
GM forgot that superior products developed by superior people lead to profits. The 1970's were marked by more disastrous product launches. Who could forget the Vega? Quality was not job one for GM. The last major strike by the UAW also occurred in 1970. After that, management continually gave in to the union demands in all future contract negotiations. They promised tremendous pension benefits, lifetime healthcare benefits, huge pay increases, and onerous work rules that gave management no flexibility. GM evidently didn't have any bean counters who could extrapolate past a five year horizon. If they had, they would have seen that they would eventually have an unsustainable cost structure with more retirees being paid than workers on the assembly line. The troubling facts were ignored because GM still had a 45% market share during the 1970's. GM's U.S. employment reached 618,365 in 1979, making it the largest private employer in the country. Worldwide employment broached 853,000. It has been downhill ever since.
 
In 1983, in an epilogue to 1946's Concept of the Corporation, Peter Drucker wrote: "GM may, within a decade, develop into a true transnational company that integrates markets of the developed world and their purchasing power with the labor resources of the Third World." And while it is much too early even to guess what GM's labor relations will look like," he added, "the assembly line, that symbol of industry during the first half of the century, will, by the year 1990 or the year 2000, probably have faded into history." Mr. Drucker underestimated the lack of vision and foresight of GM management. They continued to follow the old ways until it was too late. Japanese carmakers arrived like a freight train during the 1980s and have never let up. GM has essentially been in a death spiral for the last 30 years. Throughout the 1980s, GM rolled out more duds like the Chevrolet Citation, Chevrolet Cavalier, and Pontiac Sunfire.
 
Bruce Springsteen touched on the future of the U.S. auto industry in his classic Glory Days.
 
My old man worked 20 years on the line
And they let him go
Now everywhere he goes out looking for work
They just tell him that he's too old
I was 9 nine years old and he was working at the
Metuchen Ford plant assembly line
Now he just sits on a stool down at the legion hall
But i can tell what's on his mind
Glory days yeah goin back
Glory days aw he ain't never had
Glory days, glory days
 
Decline of an Empire
 
Roger Smith ran GM from 1981 until 1990. During his reign, GM's market share dropped from 46% to 35%. His biggest claim to fame is being the subject of Michael Moore's first documentary Roger & Me, which was extremely critical of his laying off of thousands of employees in Flint, Michigan. He took over GM in 1981 while it was losing $750 million, its 1st loss in 60 years. Poor product quality, labor unrest and lawsuits over unsafe vehicle designs affected sales volumes in the early 1980's, which led to GM losing market share at an alarming rate to foreign automakers. In 1981, U.S. Union autoworkers responded to the Japanese threat by bashing Japanese automobiles with sledgehammers. I'm sure this made them feel better, but it was a futile and useless gesture. Smith attempted to institute Japanese manufacturing techniques, but the ingrained bureaucracy resisted change and foiled his efforts. A culture of mediocrity and poor quality led to continuous decline rather than continuous improvement. The acquisition of EDS from Ross Perot in 1984 was a failure. Perot attempted to change the culture of GM, but failed. Perot liked to say that getting GM moving again was like teaching an elephant to dance.
 
General Motors had a chance to take a commanding lead in the mid 1990's. They developed the 1st electric car the EV1 in 1996. Instead of taking advantage of this opportunity to change the automotive world, GM scrapped this car and destroyed all of the models. They decided the future was in trucks, SUVs, and Hummers. They continued to roll over to the unions every time a contract came up for renegotiation. This ultimately led to an average hourly labor cost of $73.26 for GM by 2006, a 65% premium to what the Japanese pay their autoworkers.
 
 
 
GM sold its soul to the devil of debt and high margin, low mileage vehicles. SUVs generated a profit of $10,000 to $15,000 per vehicle, even with GM's bloated cost structure. Rather than improve their assembly line efficiency, product design & quality, or solidify their balance sheet, they chose to use their GMAC subsidiary to make loans to subprime borrowers at 120% of the car's value. After 9/11, GM showed their dedication to the flag by giving cars away with 0% financing. Amazingly, when you provide 0% financing to people with 550 credit scores you can sell millions of Escalades and Hummers. While Rome was burning GM management continued to fiddle. There hundreds of Presidents, Vice-Presidents, and Directors continued to fly around in their fleet of 7 corporate jets. As Rick Wagoner and his top cronies secluded themselves in executive suites on the 14th floor of their palatial headquarters, eating steak and lobster in their executive dining room, served by minions, GM was rotting from within.
 
 
 
Source: Autoblog.com
 
Giving away cars for free was so successful, GM decided to parlay their expertise into giving homes away for free. They bought Ditech in 1999, just in time to catch the greatest housing bubble of all time. Ditech was a pioneer in offering 125 percent loans, in which the borrower could get more than the property was worth. It specialized in no-documentation mortgages and stated income loans. How could lending someone 125% of a home's value with no proof of income or assets possibly go wrong? To quote Claude Rains from Casablanca, "I'm shocked, shocked to find that gambling is going on in here!" GMAC surprisingly lost $8 billion in the last two years. Luckily, the American taxpayer has stepped in to provide GMAC with $5 billion of TARP so they can continue to allow GM to sell more cars at a $2,000 loss per car. No need to worry, they've hired some Wall Street wizards from Citicorp who have figured out that they can make it up on volume. Paul Kedrosky recently provided a fascinating look at how two decades of profits could be wiped out in seven months. With 260,000 remaining employees, the end is near for this fallen giant.
 
 
 
Source: Paul Kedrosky Infectious Greed
 
A corporate governance study at ragm.com sums up the reasons for GM's decline.
 
"The history of GM is an instructive story in how success can breed failure; how being the biggest and the best can lead to arrogance and an inability to adapt. GM was the premier car company in the world for so long that it failed to see the need for change. The company was so used to being leader that it couldn't contemplate following others. It was this mindset, this overwhelming belief that it was GM's divine right to be the most successful automobile company on earth that condemned the company to two decades of disaster. When GM did finally see the need to adapt, it did so with wild ineptitude, spending tens of billions in the 1980s for little reward."
 
General Motors has lost $72.5 billion in the last three years. Why is the American taxpayer propping up this failed entity?
 
Long Road to Ruin
 
Bill Gross, one of the wisest and deepest thinkers in the financial world, wrote a report in May 2006 that compared the plight of GM with the plight of the United States. Mr. Gross' words almost three years ago ring even truer today.
 
"I think it is important to recognize that General Motors is a canary in this country's economic coal mine; a forerunner for what's to come for the broader economy. Their mistakes have resembled this nation's mistakes; their problems will be our future problems. If the U.S. and General Motors have similar flaws and indeed symbiotic fates, they appear to be conjoined primarily by the un-competitiveness of their existing labor cost structures and the onerous burden of their future healthcare and pension liabilities. Perhaps the most significant comparison between GM and the U.S. economy lies in the recognition of enormous unfunded liabilities in healthcare and pensions. Reportedly $1,500 of every GM car sold in dealer showrooms goes to pay for current and future health benefits of existing and retired workers, a sum totaling nearly $60 billion. The total future healthcare liability for all U.S. citizens can be measured in the tens of trillions."
 
General Motors failed to find a solution to their problems. CFO Fritz Henderson admitted in 2006 that, "I have a social security system hooked to our balance sheet." The reason he had a social security system hooked to his balance sheet was because previous management had made commitments that could never be kept in the long run in order to keep the party going in the short run. Sounds like GM management would do extremely well in government jobs.
 
 
 
Source: PIMCO
 

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ATTENTION SERIOUS INVESTORS:
 
Part 1 of 5
 
MOVE YOUR MIND TOWARD MONEY, AND IT
 
 WILL COME!
 
Do you wish to change your life? Are you a person who seeks money? Have your past failures in the market dictated your future loses?
 
Which category do you fit?
 
The person who seeks money for the value in itself, or one who worships it like a GOD- are you that fool, who mistakes the symbol for reality? Or are you the person who denies yourself the pursuit and desire for money because, too much equals evil, likewise a fool indeed.
 
The wisest person is the one who seeks money as a symbol behind something else, something more, a person that is not captivated by mistaking it as substance, either good or bad. One who sees money as a symbol of almost everything that one may obtain from the outside world we reside in, and respects it as such. A PERSON THAT DOES NOT SEEK AND STRIVE AFTER MONEY, IS A PERSON THAT DEVOIDS ALL THAT LIFE HAS TO OFFER-PERIOD!
 
Any sane individual who desires money, really desires all the many and great things that money will purchase, a necessity for wellbeing and happiness. WITH IT ALL DOORS BECOME OPEN TO MANY MORE OPPORTUNITIES, AND WITHOUT IT ONE CAN PRACTICALLY ACCOMPLISH NOTHING! Does this make sense to you?
 
ISN'T MONEY THE TOOL THAT AIDS US TO CREATE MOSTLY ALL THINGS AND ENABLES US TOWARD NOT BEING HELPLESS?
 
READ ON....
 
 
--------------------------------------------------------------------------------
 
Eroding Competitiveness
 
The United States peaked as a manufacturing economy in 1960, with manufacturing employees making up 26% of the workforce. They now make up less than 10% of the workforce. Total manufacturing jobs peaked at 19 million in the late 1970's and now have plummeted  below 14 million and continue to fall. The U.S. decided to outsource manufacturing jobs because we were going to do the thinking for the world. Why get your hands dirty creating things when our brilliant MBA trained geniuses could turn loans to deadbeats and frauds into AAA rated Mortgage Backed securities? The U.S. decided to take the easy path of financial engineering rather than the hard path of creating products that other countries would buy.
 
The trade deficit caused by decades of choices by government and industry reached $677 billion in 2008. These deficits were always unsustainable. Borrowing from the Chinese and Japanese to buy stuff produced by China and Japan could never go on forever. Instead of realizing this imbalance and taking actions to gradually rebalance the world financial system, our financial leaders and Federal Reserve reduced interest rates and encouraged the imbalance to grow, until it collapsed in 2008. Now their solution is to lower rates to 0%, devalue the currency, and encourage further borrowing. Sounds like choices made by GM in 2001. The Sage of Omaha, Warren Buffett explained the dilemma.
 
 "In effect, our country has been behaving like an extraordinarily rich family that possesses an immense farm. In order to consume 4 percent more than we produce—that's the trade deficit—we have, day by day, been both selling pieces of the farm and increasing the mortgage on what we still own."
 
The mortgage is now due.
 
 
 
Source: US Census Bureau
 
Uncompetitive Labor Costs
 
By devaluing the currency and producing never ending inflation while manipulating the CPI statistics to understate true inflation, the government and Federal Reserve attempt to keep America competitive through gimmicks rather than hard work and sacrifice. When the country produced products that the world wanted, median family income rose at an annual rate of 3.7% above inflation. Since 1970, using government manipulated inflation statistics median family income has been stagnant. If a true inflation factor was applied, the median family has lower income today than they had 30 years ago. The only way people have "achieved" a better life is through the use of debt, which has been encouraged by the government, Federal Reserve and banks. This encouragement led to the collapse of the great American Ponzi scheme in 2008.
 
 
 
American families will see their real household incomes plunge in the coming years to 1970 levels. The backlash against immigrants, both legal and illegal is likely to intensify over the next few years. The decades of allowing our economy to be hollowed out and shipped to China is coming home to roost. Besides weapons and movies, what does America produce that anyone wants? Our financial geniuses have essentially brought down the worldwide financial system by selling foreign countries MBSs, CDOs, etc. That has been our contribution to the world in the last eight years. Now, we have delegated the responsibility of our corporations to the U.S. government bureaucracy. Lee Iacocca explained years ago how well the government runs things.
 
"One of the things the government can't do is run anything. The only things our government runs are the post office and the railroads, and both of them are bankrupt."
 
Let's See How Far We've Come
 
The lyrics to the Matchbox 20 song Let's See How Far We've Come, describe the country's $56 trillion unfunded liability dilemma.
 
I believe the world is burning to the ground
Oh well I guess we're gonna find out
Let's see how far we've come
Let's see how far we've come
Well I, believe, it all, is coming to an end
Oh well, I guess, we're gonna pretend,
Let's see how far we've come
Let's see how far we've come
 
Rather than address the structural problems of our healthcare and social security systems, our government politicians push off the issues until after the next election. They have been doing this for 30 years. This is why David Walker has described these cowardly politicians as displaying "laggardship" rather than leadership. Our elected leaders flounder from crisis to crisis using stopgap methods to plug holes in the ship of state while ignoring the huge iceberg on the horizon. There is one thing I am sure of. The deficits projected by the CBO over the next four years will be hundreds of billions higher. They haven't taken into account emergency stimulus packages 2 & 3.
 
 
 
Source: PerotCharts.com
 
While the U.S. Titanic steams full speed ahead toward the iceberg of unfunded Social Security, Medicare, and Medicaid liabilities, our politicians spend our tax dollars on digging holes and then filling them up again. As these future unfunded liabilities continue to rise, the government's solution is to print money, keep interest rates at 0%, devalue the dollar, and hope for the best. The U.S. depends on foreigners to buy more than 50% of our newly issued debt. When you owe $10.7 trillion to others, you usually don't get to dictate the terms. Today, the U.S. is asking foreigners to lend us money for 30 years at 3.5% while telling them that we will pay them back in dollars that will be worth 30% less in the next five years. Even a Wall Street CEO could figure out this isn't a good investment. The U.S. will default on this debt. It is just a matter of when.
 
 
 
Source: PerotCharts.com
 
Bill Gross laid out the choices for the U.S. in 2006.
 
"How are we to pay for this future burden of healthcare and social security expenses? Aside from contractual legislative changes to both areas (which are surely just around the corner), the way a reserve currency nation gets out from under the burden of excessive liabilities is to inflate, devalue, and tax."
 

--------------------------------------------------------------------------------
 

 
 
 
 

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Friday, March 13, 2009

Learn Free Internet Marketing Strategies using Video, Articles ...

Hey there!  I'm Alix Shadonnay at the business desk.
How would you like to expand your knowledge on Internet marketing?  Would you like to learn how to use videos and articles to make your business stand out?  Would you like to learn how to use these weapons and add them to your marketing arsenal?
Well, we can help and all you need to do is to read on.
I'm Alix Shadonnay wishing you a great day and weekend ahead.
 

Home business opportunities, Internet business opportunities, small business opportunities, business opportunities in Asia
Breaking news!          Learn Free Internet Marketing Strategies using Video, Articles ...       
 
        Learn Free Internet Marketing Strategies using Video, Articles ...
        By nancyperez
        voip business internet network marketing business opportunity money internet business business opportunity sales free network marketin training mlm leads monavie small business idea entrepreneur business opportunity small business opportunities ideas ... homebased business business opportunity classifieds australian business opportunities golf business mannatech computer business opportunity legitimate business opportunities http://www.BESTMLMTIPS.info. Australia Bermuda ...
        Learn Free Internet Marketing»... -
http://www.learnfreeinternetmarketing.com/ 
 
        Home Based Business With Paypal | Free Singles Chat
        By Love to Chat
        This makes this type of financial account very versatile and perfectly tailored to work with a small business such as yours. Every Country Is Involved. Perhaps the most wonderful aspect of a Paypal account for a home based business, ... Because Paypal for home based business is conducted over the Internet, banking this way is very simple. You do not have to worry about fees from Paypal when you are trying to take money out at a different branch, as the branch is global ...
        Free Singles Chat -
http://freesingleschatonline.com/ 
 
        Finance And Business | Straightforward Information About Vendor ...
        By Paul Sharp
        This is very different from small business loans where you will have to have a large amount of it on your own to offer upfront. The difference means you can start moving forward with your ideas for a business now instead of waiting several years to save ... They include the United States, Canada, Asia, Australia, Europe, and New Zealand. More opportunities seem to be added all the time too. Find out what your options are for vendor finance depending on where you reside. ...
        Free Articles on Business and finance -
http://www.bharatbhasha.com/finance-and-business.php 
 
        Work From Home And Make Even More Money | Business News
        By Richard Steaney
        Interested in making money from home? Well, there are actually a variety of ways that you can do so. Many people today are looking for a way that they can work at home, and the internet provides the perfect venue to do so. ... It is easier now than ever before to generate a good income while working online from home. You can generate more income with many of the business opportunities available to you online. Here are a few of the best ways for you to increase your online ...
        Business News -
http://www.business-news.micronanotronics.com/ 
 
        PT Mitra Abadi Karya Utama - Operator Crawler Drill/CRD
        By Riadi S
        Small quantity of solar panel available. Singapore, Malaysia, India solar project with installation. Compare Broadband Offers Compare prices of various broadband providers in the uk. View special offers and deals on broadband and hosting. ... Free Music Games Movies Downloads · ecosway -Internet home based business offers legitimate work at home business opportunities. Access the resources needed to start a successful internet home based business. ...
        JOB VACANCY LOWONGAN KERJA -
http://jobvacancylowongan.blogspot.com/ 
 
        Marketers in recession 'Yes, but where's the money?'
        Business Mirror - Philippines
        Tip: Look for opportunities to align your brand with resource-saving ideas. 4. The Small Movement. Everything is getting smaller, from stores to cars to ...
Read more at:
http://businessmirror.com.ph/index.php?option=com_content&view=article&id=6523:marketers-in-recession-yes-but-wheres-the-money&catid=48:marketing&Itemid=73
 
        Adelaidenow - Australia
        Apart from mortgage or rent payments, groceries often are the biggest household expense and offer plenty of opportunities to save. ...
Read more at:
http://www.news.com.au/adelaidenow/money/story/0,26907,25095786-5017247,00.html
 
        How to be Rich, Happy and Free from Scams: Top 5 new small ...
        By Janny Cole
        Top 5 new small business opportunities during the credit crunch. By Mike Jarocki It's a time of debt, liquidation and even bankruptcy for small businesses. Hopes that the credit crunch might prove more hype than hurt have long since faded. ... Australia is no exception. Business managers have a window of opportunity - right now there exists a wide range of highly skilled people eager to get back in the workforce. Be on the lookout, as it is not unheard of for teams of ...
        How to be Rich, Happy and Free... -
http://how-to-be-rich-and-happy.blogspot.com/ 
 
        "Motella" - News, Views and Politics of New Zealand's Motel ...
        By "Motella"
        Feeling challenged finding new business and opportunities in this economic climate? I've got two ideas you might like. First, try googlealert.com. It monitors the internet for your searches and sends you a daily (or weekly) email update. ... All my clients in Asia are on it and I've managed to track down and rebuild relationships with clients who have become highly successful decision-makers in countries with much bigger accounts such as the US and Europe. ...
        "Motella" - News, Views and Politics... -
http://motella.blogspot.com/ 
 
        BRAND's Stuff: 5 Power Tips To Double Your Sales
        By Ardianni
        Work From Home Internet Business Opportunities. Get the Work From Home Internet Business Opportunities widget and many other great free widgets at Widgetbox! Get Started with Raw Food · My BlogCatalog BlogRank ...
        BRAND's Stuff -
http://crazywayearnmoney.blogspot.com/ 
 
        Home Business - What Attracts You Starting A Home Business ...
        By H Magill
        To starting a home business is a great idea, because many of us waste our life away working for someone else do what the boss told us to do. Working from home becomes a big dream for many. Don't let fear holds you back. ... business management, business news, business opportunities, business opportunity, business owner, business ownership, business plan, business promotion, business real estate, business set up, business start up, business tax deductions, business tax ...
        Business News -
http://www.business-news.micronanotronics.com/ 
 
        Health Blog : Why Kindler Wants to Make Pfizer More Like J&J
        By Jacob Goldstein
        Pfizer will likely pull in less revenue from Wyeth's consumer health division (which includes brands such as ChapStick and Advil) than it drew from its old consumer health business, which it sold in 2006 to J&J. ... Advantage is in commoditizing what should be by taking advantage of size and then remaining just make it small shop. We have had opportunity to redesign 7-8 billion dollar company. While doing the analysis, we could see the opportunities that one can avail . ...
        WSJ.com: Health Blog -
http://blogs.wsj.com/health/ 
 
 
 

            

Thursday, March 12, 2009

Protect Yourself ? Help Protect Us All » Your Daily Computer ...

Hi everyone!  I'm Heather DeMarco at the business desk.
Today, I am here with a very somber message.  The message is this:
If you protect yourself and your computer, then you will be protecting others.  Want to learn how?  Then please read on.
At the business desk, I'm Heather DeMarco wishing you a great day.
 
 
Security tips for home computer users
 Breaking news!          Protect Yourself – Help Protect Us All » Your Daily Computer ...       
 
        Terry's Computer Tips - Newsletter Volume 4, Number 37
        6. My Computer Security Software Recommendations 7. Recommend my Terry's Computer Tips Newsletter to Your Friends. My emailed newsletter is sent weekly to individuals who have subscribed to it. While mainly an announcement of the latest online .... I haven't used it in over a year and now when I try to access it, the log-in page comes up with my e-mail address and password already typed in; BUT, when I click "ENTER" it comes back as error, incorrect user or password. ...
        Terry's Computer Tips -
http://www.terryscomputertips.com/ 
 
        COMPUTER Tips, Trick and Guide: Spyware. History and Description
        By Satria Sudeki
        It doesn't matter which button the user selects, a malicious download will start, installing the spyware on the user's computer. Newer versions of Internet Explorer offer better security against this tactic. ...
        COMPUTER Tips, Trick and Guide -
http://101aboutcomputer.blogspot.com/ 
 
        Windows Security Event Log - How To Determine Who and When Someone ...
        By RTetzlaff
        As a home user, you may be interested in knowing if anyone is using your computer while you're away. Using the Security Event log is a powerful and easy way to track this information. Base installs of Windows XP and Vista don't have ...
        Windows Platform -
http://www.brighthub.com/computing/windows-platform.aspx 
 
        Best Price Guide: Tips For Buying A Great Backup Hard Drive
        By osmond5189
        Tips For Buying A Great Backup Hard Drive. Any computer user who has ever suffered a loss of important data understands how important it is to have a good backup hard drive in place. Unfortunately, many of us do not get a good ...
        Best Price Guide -
http://best-price-guide.blogspot.com/ 
 
        Computer Tips: Computer Tips [ Windows XP And Vista On ONE Machine ...
        By YS
        You can access your Webmail account from any computer. As long as the computer has an Internet connection, you can check your e-mail anywhere in the world. You don't have to be on your home computer to see if you have any new messages. ..... It's six minutes long, but it walks you through everything from the registration process to the user process of making graphs and using them to track your information. There are even more videos available to help you learn and get the ...
        Computer Tips -
http://computer-tips-and-guide.blogspot.com/ 
 
        Computer Tips - The Buzz About P2P Computer Systems
        By Mike Shivan
        Some of the buzz about P2P Computer systems concerns security of the network and the computer users that use the software programs to access each other?s computer hard drives. The ability of some unscrupulous users to upload viruses and ...
        adwarebiter.com -
http://blog.adwarebiter.com/ 
 
        Computer-Internet Tips and Tricks: Why Flash?
        By Computer Tips
        Computer Tips and Tricks,Internet Tips and Tricks,Computer Knowledge,Computer and Internet Guide,Printer Guide,AntiVirus Guide,Boost up Computer,Computer Protection, Anti Spam ... This helps Flash to appeal to dialup or slower broadband users where Java or C couldn't. Flash can also use database connectivity to save scoreboards, progress and account details, which is rare in a format so smooth. Flash is efficient, applets made in it tend to run on computers that you'd be ...
        Computer-Internet Tips and Tricks -
http://pc-internet-tips.blogspot.com/ 
 
        Protect Yourself – Help Protect Us All » Your Daily Computer ...
        By Syd Tash
        Your Daily Computer Security Tips. Keeping you safe & secure on the information superhighway - by Syd Tash. Mon 23 Feb 2009. Protect Yourself – Help Protect Us All. Posted by Syd Tash under Alerts. As many of you know, I write books and articles on home computer security. I have been doing that for more than 10 years now, trying to keep us all safe on the Internet. It is a constant battle against the rising tide of viruses, worms, Trojans, spyware, adware, phishing scams, ...
        Your Daily Computer Security Tips -
http://mypcsecurityblog.com/ 
 
        Computer Infos - The Top Video Cards On The Market
        By Rene Hagen
        These cards will not only be great for a computer but they will work well for individual computer users. About the Author:. Interested in getting information on Computer and Security ? Computer Software More Computer and Security Tips ...
        Phblogger dot Net -
http://www.phblogger.net/articles/ 
 
        Corporate Resources for Laptop Computer Security Software
        Corporate resources such as case studies, whitepapers, and webinars. Our computer security software deters laptop theft and recovers stolen notebook computers - guaranteed! ... Reduced IT operational costs with the ability to manage IT assets from a single portal, the Absolute Customer Center, for the reporting of hardware, software and user information for smartphones and mobile computers. An additional layer of data protection and increased compliance with government ...
        Absolute Software News -
http://www.absolute.com/ 
 

 

Wednesday, March 11, 2009

As Doubts Grow, US Will Judge Banks? Stability

Good morning!  I'm Kerry J Harrison at the business desk.
This present economic crisis is really having a toll on our lives.  At home, at the office, and practically everywhere.  Today, I would like to feature some headlines on how the woes within the banking industry is affecting everyone; from the youngest to the oldest.  I am not trying to dampen anyone's spirit.  I am just trying to ensure that you really get the picture.
I'm Kerry J Harrison wishing you a good day.
 
 
News on stress, anxiety, and depression
 Breaking news!          As Doubts Grow, US Will Judge Banks' Stability       
 
        As Doubts Grow, US Will Judge Banks' Stability
        New York Times - United States
        The stress tests come as anxiety is building among investors and industry analysts about the Treasury Department's broader plan to shore up the banking ...
Read more at:
http://www.nytimes.com/2009/02/23/business/23bank.html?_r=1
 
        After Abuse, Changes in the Brain
        New York Times - United States
        When people are under stress, the hormone cortisol circulates widely, putting the body on high alert. One way the brain reduces this physical anxiety is to ...
Read more at:
http://www.nytimes.com/2009/02/24/health/research/24abuse.html?ref=health
 
        Fear, stress, anxiety - Ecademy
        Fear, stress and anxiety make us feel out of control. In reality being out of control is just a perception. Once we realise this there is plenty we can do to take back control. ... According to Keith Johnsgard, author of Conquering Depression and Anxiety Through Exercise , running and other aerobic exercise can reduce anxiety for up to four to six hours from only 20 minutes of exertion. Running won't change the economy but it will change what Dr Soutzos calls ...
        Ecademy: user blogs -
http://www.ecademy.com/ 
 
        News of the massage therapy: 4 Ways Stress Relief Massage ...
        By KSV
        In many people it helps interrupt the cycle of stress and anxiety when become it becomes habitual. Chronic stress becomes unconscious and wears away at the body over time. Stress relief massage techniques not only relieves the anxiety, ...
        News of the massage therapy -
http://news-massage-therapy.blogspot.com/ 
 
        Facing Unemployment: Ten Steps to Handling Your Unemployment ...
        By AICT
        The unemployed face increased risk for binge drinking, depression, anxiety, and suicide. There is decreased quality of mental health, life satisfaction, and objective physical well-being. The unemployed are likely to worry about their financial situation, never knowing ... Some unemployed people may adjust reasonably well to the situation, viewing the situation as temporary, caused by factors beyond their control, and even as a time to get away from the stress of work. ...
        THIS JUST IN: News, Insight,... -
http://blogs.psychologytoday.com/ 
 
        Psychological stress may hasten aggressive skin cancer growth ...
        By Anxiety Insights
        For patients with a particularly aggressive form of skin cancer - malignant melanoma - psychological stress, including that which comes from simply hearing that diagnosis, might amplify the progression of their disease. ... Process by which new neurons are generated after the postnatal stage of development. It appears to only occur in two areas of the brain, the hippocampus and the olfactory bulbs. Hippocampal neurogenesis is thought to counter anxiety and depression. ...
        Latest entries from www.anxietyinsigh... -
http://www.anxietyinsights.info/ 
 
        Child Abuse Alters Brain Gene | Psych Central News
        By Psych Central News Editor
        ... gene's expression, people might have trouble turning off their stress response. This could result in a person's body being in a constant stressful state, leading to future problems with depression, anxiety and possibly even suicide. ...
        Psych Central News -
http://psychcentral.com/news/ 
 
        Children With Hypertension Have Trouble With Thinking, Memory
        Science Daily (press release) - USA
        If they are both hypertensive and obese, they are also more likely to have anxiety and depression. Considering the demands on a child's brain – both in ...
Read more at:
http://www.sciencedaily.com/releases/2009/02/090224133028.htm
 
        National Alliance for Research in Schizophrenia and Depression ...
        Palm Beach Daily News - Palm Beach,FL,USA
        The event will present new research on autism, schizophrenia, depression and anxiety. The event, moderated by Dr. Jeffrey Lieberman, psychiatry chairman at ...
Read more at:
http://www.palmbeachdailynews.com/comm/content/community/2009/02/24/BriefMentalHealth0225.html
 
        Stress, Anxiety, and Exercise « More Than Coping
        By erunner
        Science has also provided some evidence that physically active people have lower rates of anxiety and depression than sedentary people. Exercise may improve mental health by helping the brain cope better with stress. ...
        More Than Coping -
http://morethancoping.wordpress.com/ 
 
        What Is The Most Effective Natural Anti Anxiety Attack Medication?
        By Site Admin
        Science News Live · Home. February 24, 2009. What Is The Most Effective Natural Anti Anxiety Attack Medication? Many people have turned towards natural anti anxiety medicine to reduce their increased anxiety and stress levels, causing depression and insomnia. People believe that herbal medicines do not have any side effects on the body however it has been proved that some natural products, like chamomile, might have an adverse affect on the body, if taken along with ...
        Science News Live -
http://www.sciencenewslive.com/ 
 
        Waiting for biopsy results may adversely affect health
        Science current events, science news articles, research and discoveries. Top Science News. Top science news articles and science current events stories from the past week. .... The Stress Answer: Train Your Brain to Conquer Depression and Anxiety in 45 Days by Dr. Frank Lawlis The bestselling author of The ADD Answer and The IQ Answer offers a powerful remedy for a universal maladyDr. Frank Lawlis has helped hundreds of thousands of families cope with learning disorders, ...
        Science Current Events | Science... -
http://www.brightsurf.com/ 
 
        Stress decreases risk-taking in older adults. | Psychology Today Blogs
        By abmarkman
        A paper by mara Mather, Marissa Gorlick, and Nichole Lighthall in the February, 2009 issue of Psychological Science examined how risk-taking behavior was affected by stress both for young adults (between 18 and 33) and older adults ...
        THIS JUST IN: News, Insight,... -
http://blogs.psychologytoday.com/ 
 
        Children with hypertension have trouble with thinking, memory
        By harminka
        "Children with only obesity or only hypertension did not have the anxiety and depression that children with both obesity and hypertension did," Lande said. "With further study, screening for anxiety and depression could end up being routine when an ... but the potential for these differences in cognitive function to affect children is certainly concerning enough to warrant further study," Lande said. by University of Rochester Medical Center. Today's Top News Stories >> ...
        HULIQ - Citizen News Review -
http://www.huliq.com/ 
 
 

Tuesday, March 10, 2009

Important answers to consumers concerns

Top of the day to you out there!  I'm Donna J. Jodhan at the business desk.
Today, I am delighted to say that your comments and feedback have continued to motivate me to keep on answering your questions and I hope that this week, many of you would be pleased with my references.
The e-bag is very full so let me get started.
 
 
Important answers to consumers concerns
 
Question from Janis Harriera:  Donna, can you tell me a bit about debt consolidation services?  Do they really work?
Answer:  Janis, they can work in that they help to consolidate your debts but on the other hand there is a price to pay for consolidation.  Please read my reference below.  
Do Debt Consolidation Services Really Work? | Business News
By Robert Billings
Also while you benefit from the debt consolidation services you also pay for them. If you are already in over your head this extra expense tacked on top of all your other debt may be more than you can handle. ...
Business News -
http://www.business-news.micronanotronics.com/ 
 
Question from Doug Madson:  How important is educational travel to seniors and retiring baby boomers?
Answer:  Doug, I just found this article and it answers your question very nicely.  Please give it a read.
Spokesman.com | senior Road trip | Feb 22, 2009
A 2005 study ("What Will Baby Boomers Want from Educational Travel?") found that Boomers will want educational 
travel in retirement, but they have more financial concerns than their parents did, and many plan to do at least some work ... Elderhostel offers a Travel Assistance Plan that covers a range of emergency travel assistance including medical evacuation, and on international trips, medical escort service and limited medical coverage for accidental injury or illness. ...
Spokesman.com: Features stories -
http://www.spokesman.com/features/ 
 
Question from Brent Likish:  By 2030, how well do you think our medical system will be able to handle the huge number of seniors?
Answer:  Brent, I do not have a ready answer for you but the reference below may have something that you may 
find interesting.  Please give it a read.
How Well Will You Be in 2030
ADVANCE for Physician Assistants - King of Prussia,PA,USA
By Jessica LaGrossa When the last of the baby boomers reach retirement in the year 2030, it is estimated that the 
number of elderly individuals will double ...
Read more at:
http://physician-assistant.advanceweb.com/editorial/content/editorial.aspx?CC=20611
 
Question from Christine Cantfield:  What do you think baby boomers should be doing to help themselves during this 
present economic crisis?
Answer:  Christine, they should not be sitting back and waiting for things to happen.  In fact, no one should be sitting back and expecting things to happen in their favor.  It may be time to take the bull by the horns and become more assertive and creative.  The article below says as much and I hope that it can help to shed some light for you.
Baby Boomers Blog - Articles News Videos : Why Seniors Need To ...
By David Au
If seniors or baby boomers sit back and wait for things to get better in this unprecedented and never before seen 
economic disaster in this country and in fact around the world, then they better think again. With bad news hitting our 
...
Baby Boomers Blog - Articles News Videos -
http://www.millionbabyboomers.com/ 
 
Question from Eric Bossier:  I am over 50 and am not sure if I should delay my retirement.  Any suggestions? 
Answer:  Eric, I for one would definitely think of delaying retirement at this time.  No one knows how this present 
economic crisis will play out and when it will end.  So many of us have taken large hits to our savings and I for one have taken the decision to continue working for as long as I can.  It is going to be very difficult to replace lost funds to 
savings and the only way to do this safely would be to keep on working past retirement.  Please give a read to my reference below.
Unemployed and over fifty: Delaying retirement due to the current ...
By David Stillwagon
Delaying retirement due to the current recession. Are you thinking about delaying retirement, you are not alone 
http://www.wjla.com/news/stories/0209/596863.html this guy is really delaying retirement ... USA.gov Updates: News 
and Features • Recovery.gov -- Your Money at Work. 5 days ago. NowWhatJobs.net - THE Resource for Job 
Transitions After 40! AARP: Health, Travel, Baby Boomers, Elections, Financial Planning, Family, Games, Volunteer, 
Retirement, Discounts, Seniors ...
unemployed and over fifty -
http://over-fifty-and-looking-for-work.blogspot.com/ 
 
Question from Amber Lintz:  Donna, how can I keep eating healthily and at the same time not blow a hole in my 
wallet?
Answer:  Amber, I have a perfect article for you to read.  I found this just for you and I hope you find it useful.  
Hope it helps.
Tips to make eating healthy healthier for your wallet, too
The Triton (press release) - Fort Lauderdale,FL,USA
The UK is in recession, the United States is worried about another depression, and the rest of the world is worried 
about a progression of economic woes. ...
Read more at:
http://megayachtnews.com/Columnists/Nutrition/3143.html
            
Question from David Lumyee:  It is so tough these days to come up with fresh Internet marketing strategies.  Got 
any for me?
Answer:  David, here you go.  A great reference for you to check out.
Learn Free Internet Marketing Strategies using Video, Articles ...
By nancyperez
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Australia Bermuda ...
Learn Free Internet Marketing»... -
http://www.learnfreeinternetmarketing.com/ 
 
Question from Matt Gorring:  What do you know about vendoring financing?
Answer:  Matt, not very much but I have something for you to check out.  I skimmed over it and it looked promising. 
 Hope it helps.
Finance And Business | Straightforward Information About Vendor ...
By Paul Sharp
This is very different from small business loans where you will have to have a large amount of it on your own to offer 
upfront. The difference means you can start moving forward with your ideas for a business now instead of waiting 
several years to save ... They include the United States, Canada, Asia, Australia, Europe, and New Zealand. More 
opportunities seem to be added all the time too. Find out what your options are for vendor finance depending on 
where you reside. ...
Free Articles on Business and finance -
http://www.bharatbhasha.com/finance-and-business.php 
 
Question from Martha Lowenstein:  Is it possible for one to be rich, happy, and free of scams all at the same time?
Answer:  Martha, good question and I do not have the answer for if I did I would be very rich myself.  However, I 
have a great reference for you to check out.  I hope it helps.
How to be Rich, Happy and Free from Scams: Top 5 new small ...
By Janny Cole
Top 5 new small business opportunities during the credit crunch. By Mike Jarocki It's a time of debt, liquidation and 
even bankruptcy for small businesses. Hopes that the credit crunch might prove more hype than hurt have long since 
faded. ... Australia is no exception. Business managers have a window of opportunity - right now there exists a wide 
range of highly skilled people eager to get back in the workforce. Be on the lookout, as it is not unheard of for teams 
of ...
How to be Rich, Happy and Free... -
http://how-to-be-rich-and-happy.blogspot.com/ 
 
Question from Sheldon Murkatt:  I wonder out loud why would someone want to start a home business especially during this time?
Answer:  Sheldon, there are many answers to your question and for me it would be wanting to be your own boss.  
Wanting to spend less time on the road and more with your family.  Flexibility, something that is your very own, plus 
much more.  I am going to give you a reference to check out.  I hope it helps.
Home Business - What Attracts You Starting A Home Business ...
By H Magill
To starting a home business is a great idea, because many of us waste our life away working for someone else do 
what the boss told us to do. Working from home becomes a big dream for many. Don't let fear holds you back. ... 
business management, business news, business opportunities, business opportunity, business owner, business 
ownership, business plan, business promotion, business real estate, business set up, business start up, business tax 
deductions, business tax ...
Business News -
http://www.business-news.micronanotronics.com/ 
 
Question from Roger Eaton:  Where would I go to buy a backup hard drive at a reasonable price?
Answer:  Roger, here you go.  Something great for you to check out.  I hope it helps.
Best Price Guide: Tips For Buying A Great Backup Hard Drive
By osmond5189
Tips For Buying A Great Backup Hard Drive. Any computer user who has ever suffered a loss of important data 
understands how important it is to have a good backup hard drive in place. Unfortunately, many of us do not get a 
good ...
Best Price Guide -
http://best-price-guide.blogspot.com/ 
 
Question from Chris Benson:  How can I protect myself and my computer from such things as phishing scams?
Answer:  Chris, I have a perfect article for you.  One that talks about phishing scams plus a lot more.  One can never 
have enough information to fall back on when it comes to finding ways to protect oneself and one's computer from 
scams, schemes, viruses, plus much more.  Please give my reference a read.
Protect Yourself – Help Protect Us All » Your Daily Computer ...
By Syd Tash
Your Daily Computer Security Tips. Keeping you safe & secure on the information superhighway - by Syd Tash. Mon 
23 Feb 2009. Protect Yourself – Help Protect Us All. Posted by Syd Tash under Alerts. As many of you know, I write 
books and articles on home computer security. I have been doing that for more than 10 years now, trying to keep us 
all safe on the Internet. It is a constant battle against the rising tide of viruses, worms, Trojans, spyware, adware, 
phishing scams, ...
Your Daily Computer Security Tips -
http://mypcsecurityblog.com/ 
 
Question from Brent Stone:  How are investors handling the rising stress levels among themselves and their 
companies these days?
Answer:  Brent, I am sure that many of them are not sleeping very well these days.  As far as I know, stress levels 
are at an all-time high these days and many of them barely sleep.  Things are very worrisome and uncertain for not 
only investors but for all of us.  Please read my reference below.
As Doubts Grow, US Will Judge Banks' Stability
New York Times - United States
The stress tests come as anxiety is building among investors and industry analysts about the Treasury Department's 
broader plan to shore up the banking ...
Read more at:
http://www.nytimes.com/2009/02/23/business/23bank.html?_r=1
 
Question from Megan Mede:  How can I retake control from stress and fear?
Answer:  Megan, there is much that one can do to deal with this situation but as I am not an expert in this area I am 
going to refer you to a great article that I found a few days ago.  Please give it a read.  The one thing that I would 
hasten to add here is that it is always possible to retake control from things such as stress, fear, and depression.
Fear, stress, anxiety - Ecademy
Fear, stress and anxiety make us feel out of control. In reality being out of control is just a perception. Once we realize this there is plenty we can do to take back control. ... According to Keith Johnsgard, author of Conquering 
Depression and Anxiety Through Exercise , running and other aerobic exercise can reduce anxiety for up to four to six 
hours from only 20 minutes of exertion. Running won't change the economy but it will change what Dr Soutzos calls ...
Ecademy: user blogs -
http://www.ecademy.com/ 
 
Question from Mario Blanco:  I just got laid off.  The first time for me ever.  How can I deal with my unemployment?  
What can I do to deal with this?
Answer:  Mario, Sorry to hear that you have been laid off.  here you go.  A perfect article for you to read and follow.  
I hope it helps you.  A few tips of my own:  Do not fall into the pattern of going to bed late and sleeping late.  Stay 
away from binge drinking.  Stay physically active by exercising each day.  Try to maintain a positive attitude.
Facing Unemployment: Ten Steps to Handling Your Unemployment ...
By AICT
The unemployed face increased risk for binge drinking, depression, anxiety, and suicide. There is decreased quality of 
mental health, life satisfaction, and objective physical well-being. The unemployed are likely to worry about their 
financial situation, never knowing ... Some unemployed people may adjust reasonably well to the situation, viewing the 
situation as temporary, caused by factors beyond their control, and even as a time to get away from the stress of 
work. ...
THIS JUST IN: News, Insight,... -
http://blogs.psychologytoday.com/ 
 
I am out of time for this week but before I leave you here is my tiny tip.
Stay away from dealing in multi currencies when you carry out international transactions.  It would only confuse you and may probably cause losses for either you or your party.
Example, if you require payment in US dollars, do not allow your payer to send your payment to you in another currency other than US dollars. 
 
I'm Donna J. Jodhan wishing you a terrific day and week ahead.
 

Monday, March 09, 2009

Do Debt Consolidation Services Really Work? | Business News

Good day!  I'm Jeff N Marquis at the business desk.
Today I would like to focus some attention on the subject of debt consolidation.  During these hard times, many of us, especially aging baby boomers are turning to debt consolidation to help them deal with their finances. 
To learn more, please read on.
At the business desk, I'm Jeff N Marquis wishing you a great day.
 
 
News for retirees, aging baby boomers, and seniors
Breaking news!          Do Debt Consolidation Services Really Work? | Business News
 
        Do Debt Consolidation Services Really Work? | Business News
        By Robert Billings
        Also while you benefit from the debt consolidation services you also pay for them. If you are already in over your head this extra expense tacked on top of all your other debt may be more than you can handle. ...
        Business News -
http://www.business-news.micronanotronics.com/ 
 
        Willow Glen Seniors: Balancing Work and Family Caregiving - Part 2
        By Tom Binder
        Willow Glen Seniors. Information and dialog concerning issues of interest to Seniors plus specific information concerning Willow Glen ... Tom Binder. Tom Binder Seniors Real Estate Specialist ...
        Willow Glen Seniors -
http://wgseniors.blogspot.com/ 
 
        Seniors Life Insurance | Senior Money Memos
        By Barry Welford
        If you enjoyed this blog post and need some help in getting your blog posts to appeal to readers and attract more traffic via Google, then why not explore how the SMM Blog Post Writing Service can help you. ...
        Senior Money Memos -
http://www.seniormoneymemos.com/ 
 
        Top Lawyer Guide! | Affiliate Marketing and Niche Marketing Tips
        By Anne Ahira
        Lawyer referral services are a great way to find a lawyer. They often have a wide database with many professionals. All of these lawyers have records that meet the necessary standards of the industry. These services typically screen ...
        Affiliate Marketing and Niche... -
http://www.meonit.com/ 
 
        Spokesman.com | senior Road trip | Feb 22, 2009
        A 2005 study ("What Will Baby Boomers Want from Educational Travel?") found that Boomers will want educational travel in retirement, but they have more financial concerns than their parents did, and many plan to do at least some work ... Elderhostel offers a Travel Assistance Plan that covers a range of emergency travel assistance including medical evacuation, and on international trips, medical escort service and limited medical coverage for accidental injury or illness. ...
        Spokesman.com: Features stories -
http://www.spokesman.com/features/ 
 
       Retired boomers who reject children live in an unhealthy world
        WA today - Perth,WA,Australia
        With the ageing of baby boomers increasing the demand for independent living in retirement villages, the reasons that drive baby boomer Americans to ...
Read more at:
http://www.watoday.com.au/opinion/retired-boomers-who-reject-children-live-in-an-unhealthy-world-20090222-8eq8.html
 
        How Well Will You Be in 2030
        ADVANCE for Physician Assistants - King of Prussia,PA,USA
        By Jessica LaGrossa When the last of the baby boomers reach retirement in the year 2030, it is estimated that the number of elderly individuals will double ...
Read more at:
http://physician-assistant.advanceweb.com/editorial/content/editorial.aspx?CC=20611
 
        Baby Boomers Blog - Articles News Videos : Why Seniors Need To ...
        By David Au
        If seniors or baby boomers sit back and wait for things to get better in this unprecedented and never before seen economic disaster in this country and in fact around the world, then they better think again. With bad news hitting our ...
        Baby Boomers Blog - Articles News Videos -
http://www.millionbabyboomers.com/ 
 
        TIME GOES BY | ELDER MUSIC: Johnny Mercer
        By Ronni Bennett
        For Johnny Mercer singing his own songs, I'm stuck with what's online which isn't much and are not necessarily my favorites. But for me, there are not any bad Mercer lyrics. This is Mercer singing Baby, It's Cold Outside with Margaret ...
        TIME GOES BY -
http://www.timegoesby.net/weblog/ 
 
        No Medical Exam Life Insurance — Stuff Everyone Ought To Know ...
        By Chimezirim Gabriel-Odimba
        Business News. The best news about business in many course online or offline business. Today is Monday, February 23rd, 2009. Home · About · Privacy Policy · SiteMap · RSS · Affiliate · Asset Management · Bank ...
        Business News -
http://www.business-news.micronanotronics.com/ 
 
        When You Stand at the Turning Point | LifeTwo
        By hlesbrown
        Bad news — and shocking realizations — have a habit of leaving us at first stunned and then scrambling to provide damage control. It's as though all those ducks that we had so neatly lined up in a row have suddenly panicked and turned ...
        LifeTwo blogs -
http://lifetwo.com/production/blog 
 
        unemployed and over fifty: Delaying retirement due to the current ...
        By David Stillwagon
        Delaying retirement due to the current recession. Are you thinking about delaying retirement, you are not alone http://www.wjla.com/news/stories/0209/596863.html this guy is really delaying retirement ... USA.gov Updates: News and Features · Recovery.gov -- Your Money at Work. 5 days ago. NowWhatJobs.net - THE Resource for Job Transitions After 40! AARP: Health, Travel, Baby Boomers, Elections, Financial Planning, Family, Games, Volunteer, Retirement, Discounts, Seniors ...
        unemployed and over fifty -
http://over-fifty-and-looking-for-work.blogspot.com/ 
 

 

Saturday, March 07, 2009

How to hit home runs

Hello there!  We the business desk team at www.untappedwealth.com are pleased to be with you today.
It's the first weekend in March and hopefully winter will be on its way out soon.
Today, we are delighted to share a very stimulating article with you.  One that you can easily find interesting exciting given the present gloom and doom.
We wish you a great day and weekend.
 
 
My name - Kenneth Maseka, and for the last 20 years I have been managing and trading hedge funds. As a broker I produced $60,000 in my first weeks right out of Georgetown - as a founding partner and head trader at Gryphon Financial and all of its divisions, it took me less than 20 years to pull in revenues that exceed $50 Billion. My current mission...is to make you money!
 
And here's how we'll do it...
 
 
 
 
 
How to Hit Home Runs
 
The key to long-term success as an options speculator is to hit home runs. 
 
And the key to hitting home runs is to buy extremely cheap options. This technique is called "bottom fishing."
 
When you buy options for speculation I believe that bottom fishing is the best approach to follow. It is the approach we follow in Ultimate Option Strategies.
 
Cheap options have the potential for spectacular gains. But finding real cheap options that are underpriced and have the potential for a home run is not easy.
 
You need tremendous patience.
 
You may have to enter a lot of orders before you get one filled at your price. Most cheap options expire worthless, so you must have the patience, discipline and resources to keep trying for a home run.
 
Try to find options that are priced under 1.5 and the strike price is close to the stock price. Make sure the options are underpriced and have a probability of profit of at least 20%. Try to buy options on stocks that have the potential for surprise volatility.
 
To get your best deal try to buy put options on stocks that are rallying and call options on stocks that are falling.
 
Also, stocks tend to fall much faster than they rise, so buying put options tends to be a better bet on surprise volatility.
 
Where to Find Stock Option Candidates
The nature of the market today creates opportunities for surprise volatility.
 
The market is dominated by institutional money managers, and as these managers move in and out of stocks a lot of surprise volatility develops.
 
For example, a negative earnings report or news item might cause many institutions to sell all at once. On the upside a stock may become the target of a merger or buyout. Both of these situations can create a lot of surprise volatility.
 
One place to look for stocks with surprise volatility potential is in momentum industries such as technology, biotech and telecommunications stocks that are traded on the over-the-counter market.
 
The smaller capitalizations of these types of stocks make them more volatile.
 
Other candidates include small stocks with heavy institutional ownership, stocks that have received too much hype, stocks rumored to be takeover candidates, and foreign stocks (ADRs) in unstable countries.
 
When you're looking for options on momentum plays such as these, you will probably have better luck taking the "opposite side" of what the crowd is doing.
 
 
 
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ITG NE in @ $2.90 out @ $13.00 for 348%
 
 Had you taken just one position in every one of these recommendations you'd be staring at a 17,408% profits inside of one quarter. 
 
 You should note that this list doesn't just include our "winners".  They are just a few of our many king sized profit making option trades.
 
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Support Has Been Breached - Option Expiration Will Have A Bearish Bias!
 
The market continues the slide that started last week. After a failed breakout above SPY 92, the market has breached the uptrend line that dates back to November and it has broken major horizontal support at SPY 85. Option expiration related sell programs are kicking in today and they may linger for the next two days.
 
The VIX is on the rise and uncertainty rules the market. HSBC may need an additional $30 billion in capital according to a Morgan Stanley analyst and Deutsche Bank announced a $6 billion right off this quarter. Meanwhile, Citigroup is selling off assets to generate cash and its stock has fallen below the critical $5 level. Many pension funds can't own stocks that trade for less than $5 and that could spark additional selling.
 
Retail sales were down 2.7% in December and November's number was revised down by an additional .3%. This is one of the worst holiday seasons ever and many retailers will fail. If you factor in a 2% inflation rate, sales were actually down 4.7%. Also remember that these sales were the result of deep discounts. Profit margins will be squeezed hard and many retailers lost money during the most lucrative time of the year. Gift card sales were also down because consumer purchased deeply discounted merchandise. That means January sales will also be weaker than normal.
 
Tomorrow's initial jobless claims number could be a disaster. I suspect that many people postponed filing for unemployment because of the holidays. A big number tomorrow could push this market lower.
 
I am fairly liquid at this point and I have closed many short put positions at a marginal profit. I still have many short puts that I expect to expire. They are safely out of the money, but the stocks are creeping closer. Once market support is established, I will have a chance to sell rich premiums again. I expect the market to bottom after most of the financials announce next week. This is still the best strategy for this market.
 
Today, the market will drift lower and close on the low. The likelihood for a decline tomorrow is high.
 
 
 
 
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Option Trading Strategy For "V" Bottoms - Leg 4
Two years ago I wrote a series of articles on how to trade "V" bottoms. WE ARE NOT IN A "V" BOTTOM SET-UP - WE ARE IN A BEAR MARKET. This stage of the trading strategy does tell you how to trade once the low has been established. We are near a capitulation low and these instructions should help you trade bear market rallies. To read all of the articles, please use the Search box and enter "V" Bottoms as the keyword.
 
In Leg 3, we saw the market break below SPY 105 and make a new relative low at 95. From a bearish perspective, we want to see the market struggle when it bounces off of 95 support. Ideally, it will make a series of lower highs within that range. In this case we can see that the market snapped back and it ran right up to 105. In fact, it briefly broke through.
.
.
 

.
.
We should lighten our short positions on that type of bounce, but it's premature to bail out on all of the short positions. The market will hit oversold conditions and the snap back rallies can be violent. We need to make sure that the price movement is bona fide before we exit all bearish positions.
 
It is also too early to start getting long, we need to see follow through to justify turning bullish. This was the first warning shot for the bears. We need to step up our efforts to find stocks that we want to own. Seek out stocks that were particularly strong before the entire sell off started. They are the stocks that have held up well and are leading the market higher on the snap back rallies.
 
As it turns out, the market failed to break out on its first attempt and it gave us a chance to execute Leg 4 of our strategy. Here are some of the key points to keep in mind.
 
1. Look for support as the market tests the recent low (SPY 95). If the market finds support before that low is tested and it rallies, exit remaining short positions. This price action shows you that the bulls are getting more aggressive. They can't even wait for the support to be tested - they want to buy stocks now.
 
2. If the market is able to test the support level, hold remaining short positions in case there is another leg down. If the market bounces off of that support and it rallies sharply, exit remaining short positions. The support has been tested and it held.
 
3. In this example we can see that the market bounced and it is time to execute another strategy. This is a great time to sell naked puts on stocks that you want to own. The option implied volatilities are still very high and you will be properly rewarded for the risk you are taking. If you stay with out of the money options you can distance yourself from the day to day volatility and you are less likely to get whipsawed out of a position.
 
4. If the market rallies through the resistance level that marked the beginning of this leg (SPY 105) then you need to shift from a bearish bias to a bullish bias. Remember, this is a "V" bottom. The market is in a long-term uptrend and this is a sharp, temporary decline. We want to take advantage of a good entry point for long positions.
 
5. This is where many traders go wrong. When you get long, you need to place buy stops above resistance levels for each stock and buy shares of companies you want to own. When the market springs higher, all of your orders will be waiting for the breakout. These rallies come quickly and you can't react fast enough. They can come in the form of a sharp intraday reversal or they can result from an event. The bulls aggressively buy-in and the shorts scramble to try and cover.
 
The option bid/asks widen dramatically and you will continually be trying to lift offers. Option exchanges often declare "floor-wide fast markets" in these situations and you might not get filled. The auto quote systems are trying to keep up and they can't adjust all of the various option prices fast enough. Remember, the option premiums are very elevated because the market has just come off of a deep trough. When the market rallies the implied volatilities drop and long call positions are "swimming upstream". Even though the price of the stock is going up, you'll find that the wide bid/ask spread and the drop in implied volatility is stealing a huge part of your profit.
 
The stock shares are very liquid and you'll be able to get in and out with a minimum amount of slippage. The stock exchanges and ECNs are better equipped to handle these large volume surges. You should plan on holding the stock positions for at least two to three days. Your holding period will be dependent on the magnitude and momentum of the move. A big explosive move that stalls would prompt you to take profits quickly. An extended, grinding move up would permit you to stay with the stock positions for a longer period.
 
 
 
 
 
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In the example I've used, you can see that the market was able to test the SPY 95 support level and it quickly rallied back up to the 105 level. As it did so the second time, you would be exiting your remaining short positions and you would be establishing naked put writes. This time around the market was able to penetrate the 105 level and it started to grind higher. You have enough confirmation that the market is going to rebound and this is when you start placing your stock buy-stop orders. If the market fails, your buy stops will not be triggered and you can reevaluate. If the market takes off, you'll be ready.
 
The trading during these periods can be fast and furious. If you don't have a well-defined game plan and if you don't know your exit points for each position, you will be running around with your head cut off. In my next blog I'll discuss the strategy for the final phase of the "V" bottom
 
 

Friday, March 06, 2009

New tech start-ups can rise from the economy's ashes

Greetings everyone!  I'm Jayna Sheffield at the business desk.
How would you like to get in on the ground floor re some very breaking news?  News that is all about which type of start-up business has the best chance of rising out of the ashes of our crumbling economy?
This is no joke and this news comes straight from the horse's mouth so to speak.  Yes, from the experts themselves. 
You need to read on in order to learn more.
I'm Jill Christiansen wishing you a terrific weekend.
 
 
Home business opportunities, Internet business opportunities, small business opportunities, business opportunities in Asia
Breaking news!          New tech start-ups can rise from the economy's ashes       
 
        New tech start-ups can rise from the economy's ashes
        USA Today - USA
        "Most successful high-tech companies transition into other opportunities" during trying economic times, says Cisco CEO John Chambers. ...
Read more at:
http://www.usatoday.com/tech/techinvestor/2009-02-16-tech-startups-economic-troubles_N.htm
 
        Lending a hand or losing an arm? Banks, small business and finance ...
        Personal Finance - Cape Town,Western Cape,South Africa
        Standard Bank's business mortgage allows small business owners such as accountants, doctors and vets the opportunity to buy, extend, ...
Read more at:
http://www.persfin.co.za/index.php?fSectionId=710&fArticleId=4846940
 

        If You Are Jobless, Get Busy With The GDI Home Business | Aneez ...
        By Xylene Belita
        Have you ever considered working at home and being your own boss? Being jobless is the right opportunity for you to go into a new home business. This could be the best time ever in your life. Think of being jobless as an opportunity to ... Many people have been laid off from their jobs, so are you one them? If you are, do not lose hope. It is not your fault that you lose your job. The financial crisis hit many companies, both big and small, so they have to cut down jobs. ...
        Aneez News Portal -
http://www.aneez.com/ 
 
        Tips On Planning An Adventure Holiday
        By Jackie Silver
        Tips On Planning An Adventure Holiday, Affiliate Programs, Blogging, Ecommerce, Internet, Internet Marketing, PPC Advertising, RSS, Security, SEO, Site Promotion , Spam, Traffic Generation, Web Design and Web Hosting Articles. ... Many small business owners wonder the same thing. Fortunately, getting started with e-commerce is not hard at all! Much information can be found about this topic online. This guide will focus on starting an online shopping cart system. ...
        Internet Article Directory -
http://www.ultimate100.net/ 
 
        Wealthy Affiliate Starts With Wealthy Affiliate Programs | Chris …
        By admin
        Affiliate programs are outstanding business opportunities, as well as an expectant business thought. Here's the scoop. You join an affiliate company and they give you a unique URL called an, " Affiliate Link," which only ..
        sovit.biz -
http://sovit.biz/ 
 
        Indiana Civil & Business Lawyer: Trade Secrets Blog: The Microsoft ...
        By Sam Hasler
        "Mullor told ZDNet Asia's sister site CNET News last week that he had been advised by an attorney not to comment on the lawsuit, but then later e-mailed a statement. Mullor said he informed Microsoft about his patent in his resume and .... Business Opportunities Weblog · Single Mom Takes The Hassle Out Of Carrying Ski Gear With Her Invention - If you ski, then you are probably aware of how hard it is to carry everything you need, from your car to the slope, at one time. ...
        Indiana Civil & Business Lawyer -
http://haslerlaw.blogspot.com/ 
 
        How to be Rich, Happy and Free from Scams: New lessons from the crash
        By Janny Cole
        But one of the enduring lessons of the past quarter-century is that opportunities to buy stocks at truly cheap prices can be fleeting. That's why some investors are talking about finding disciplined ways to boost their stock exposure modestly to ... "There's a lot of cash on the sidelines, and when people begin to get optimistic, there will be a lot of people trying to fit through a very small door," says David Antonelli, a money manager with MFS Investment Management. ...
        How to be Rich, Happy and Free... -
http://how-to-be-rich-and-happy.blogspot.com/ 
 
donna
        Which sectors will win and lose in the downturn?
        SmartCompany.com.au - Melbourne,Victoria,Australia
        Rising unemployment in 2009 will encourage many people to enhance their future employment opportunities by improving their education. ...
Read more at:
http://www.smartcompany.com.au/Premium-Articles/Top-Story/20090218-Which-sectors-will-win-and-lose-in-the-downturn.html
 
        Disenfranchisement is is Not Specific or Unique to the Middle East ...
        By admin
        Recent massive public peace protest may have been partly organized by major players involved in shaping public opinion on the internet. The motive of the major players may have been to divert public attention away from utilization of .... Not even a lucrative franchise opportunity will work for you if you find the business dull or boring. However, like all business opportunities, there are risks involved. You'll minimize the risks by doing your homework before you sign on ...
        Tip & Trick For All Business -
http://www.businessdevil.info/ 
 
        Instant Marketing for Almost Free (Quick Start Your Business ...
        By Ice Zero
        Description: Without a doubt, developing high-impact marketing is one of the toughest challenges for small and medium businesses. The world of marketing is in the midst of a revolution, generating great new opportunities for ... --Reaching out to Internet "communities" --"Street" and other nontraditional advertisements --Email marketing that's not spam --And hundreds of other methods. Instant Marketing for Almost Free is a totally up-to-the-minute approach to marketing ...
        Free Books & Review -
http://www.dbebooks.ws/ 
 
        Sustainable Business Design: Green Merchant Alliance - Sustainable ...
        By noreply@blogger.com (Dr. N)
        When your business signs up with Green Merchant Alliance for credit card transaction processing, Green Merchant Alliance will use 15% of its profit towards the purchase of wind farm renewable energy certificates (REC). ... Beyond Your Walls : How Leading Environmental Organizations are Making Corporate Green Programs Successful · Business at the Crossroads: Aligning Commerce, Earth, and Humanity (on demand) · Business Opportunities in the Voluntary Carbon Market: How Your ...
        Sustainable Business Design -
http://sustainablebusinessdesign.blogspot.com/ 
 
        Get Useful Tips About - Powerful way to Drive traffic to Your blog ...
        By Marcus Schroefel
        Too small a group your post will hardly be seen. As a rule of thumb I post in google groups everyday. If I return the next day and my old ad should is gone then you know lot of people are posting in that group. You don't have to track but I still like to know if ... Subscribe In a Reader. This entry is filed under Online Business, Promotion and Marketing. You can follow any responses to this entry through RSS 2.0. You can leave a response, or trackback from your own site. ...
        High Integrity Marketing -
http://high-integrity-marketing.com/blog/ 
 
        Import Business Opportunities | 22M.net
        By admin
        Tags: investment, computers and internet, business ideas, Business, work from home, internet opportunity, business opportunity, internet business, ecommerce, website, Home Based Business, Merchant Account, home business, online business ...
        22M.net -
http://www.22m.net/ 
 
 

Thursday, March 05, 2009

(BPRW) Protect Yourself from Identity Fraud

Hello there!  I'm Matt Chadwick at the business desk.
Identity fraud is on the rapid rise and fraudsters and scammers are practically thriving on our economic hard times.  Can we stop them?  Definitely so and I would like to show you how.
Please check out our news roundup and you will not only learn how to combat scammers and fraudsters, you will learn a lot more on how to protect yourself, your computer, plus more.
I'm Matt Chadwick wishing you a good day.
 

Security tips for home computer users
Breaking news!          (BPRW) Protect Yourself from Identity Fraud
 
        (BPRW) Protect Yourself from Identity Fraud
        Black PR Wire (press release) - North Miami Beach,FL,USA
        Some hack into computer databases that carry extensive personal information. Others use email to disguise themselves as trustworthy companies, ...
Read more at:
http://www.blackprwire.com/press-releases/1915-bprw_protect_yourself_from_identity_fraud
 
        Computer Security » Blog Archive » How to Dismiss System Guard ...
        By admin
        It frequently display fake system security alerts in order to mislead the user to purchase the legal version of system guard center . It directly affects the system files and registry and make the computer slow down in terms of ...
        Computer Security -
http://www.eradicatespyware.net/blog/ 
 
        Free Easy To Use Password Manager For Windows | Computer Tips And ...
        By Gautam HN
        Multiple User Keys :. # One master password decrypts the complete database. # Alternatively you can use key files. Key files provide better security than master passwords in most cases. You only have to carry the key file with you, ...
        Computer Tips And Tricks, Gadgets,... -
http://www.techbuzz.in/ 
 
        Booting up PC Computer Support PC Help Forums Provided By ...
        computer problems tips for online technical support. when your computer is creating mess for you and you can not find right solutions, you set out in search of experts to (buy antivirus). Related Images: ... When It's All About Your Computer Security. this has motivated computer users to look forward to online computer support services widely available on the internet. computer support resources serve as one stop shop for your (computer support) ...
        Computer - Laptop - Hardwere - Softwere - http://computer-laptop-news.com/search.html?q=replacement+windows&submit=Search 
 
        Computer Software Free Download and Internet Tips
        By meila
        Automate all aspects of working with your computer. Let the computer do the tasks and save your time. Macro ToolsWorks is powerful all-in-one Windows automation software and macro program. It allows user to record macros, visually edit macros and ... Internet tips (2), Jukeboxes (6), Media Players (7), Miscellaneous (1), Mobile (2), MP3 Search Tools (1), Networking (9), Others (9), Portable (54), Privacy Software (3), Rippers and Encoders (18), Security and Spyware (48) ...
        Computer Software Free Download... -
http://meila-digitalworld.blogspot.com/ 
 
        Lynda.com Adobe Tutorials ~ Xual - dedicated to users
        By Xual
        Larry begins with tips for working more efficiently with the interface and tools and then moves on to advanced editing, nesting sequences and clip management strategies. Using Color Keying features to remove backgrounds, ... The Internet is an unmatched resource for home, education, and business. And no matter where and how you are using the Internet, it is critical that you protect your privacy and security while you are online. Computer Privacy & Security Essential ...
        Xual - dedicated to users -
http://xual.blogspot.com/ 
 
        Be a 'Spiderman' to fight the cyber burglar!
        CIOL - Bangalore,Karnataka,India
        Educated users would refrain from using such networks. -What applies for Wi-fi, holds true for your phone security too. Take care of your Bluetooth luxury ...
Read more at:
http://www.ciol.com/News/News-Reports/Be-a-Spiderman-to-fight-the-cyber-burglar!/17209116177/0/
 
        HOT NEWS!!!: Norton Internet Security Protection Considers ...
        By conturix
        Not only do most people have a computer at work, but they also have at least one compute at home. In fact, an increasing number of families have computers that are truly personal; meaning each person in the family has their own. ... Because of this, there is a flourishing computer internet security software industry that is designed to help computer users stay one step ahead of the bad guys who would like to take advantage of people who are not as internet savvy and who ...
        HOT NEWS!!! -
http://all-hot-news-world.blogspot.com/ 
 
        Fighting Off Viruses: Advancements in Antivirus Software Suites ...
        By admin
        PC-cillin Internet Security combines antivirus security and a personal firewall—for comprehensive protection against viruses, worms, Trojans, and hackers. It also detects and removes spyware and blocks spam. ... While AVG can not be installed on a server operating system and there is no technical support, it still makes a good choice for many home computer users. The best part is that since it is free, you can try it with no further obligation necessary. ...
        Software and eBook Blog -
http://www.blog.pricelessway.com/ 
 
        Computer Tips: Computer Tips [ Critical Password Warning + Restore ...
           By YS
        Also, be sure to stay safe by reading this week's security article thanks to Gary and as always, don't miss out on Amanda's Cool Site of the Day! Announcements. The Biggest Tiny Flashdrive Ever! Amazing 8GB Drive Is Finger-Tip Small! ..... Now, I know our readers are smarter than the average computer user, so I assume you aren't contributing to those horrific numbers. But, if you are, you should fix it now! We've written several articles about strong passwords that can ...
        Computer Tips -
http://computer-tips-and-guide.blogspot.com/ 
 
        Computer Software Free Download and Internet Tips
        By meila
        FastStone Image Viewer is a fast, stable, user-friendly image browser, converter and editor. It has a nice array of features that include image viewing, management, comparison, red-eye removal, emailing, resizing, cropping and color ...
        Computer Software Free Download... -
http://meila-digitalworld.blogspot.com/ 
 
        Fred's Head Companion: Fighting the War at Home
        By noreply@blogger.com (Michael McCarty)
        The Fred's Head Database contains tips, techniques, tutorials, in-depth articles, and resources for and by blind or visually impaired people. Fred's Head is offered by the American Printing House for the Blind. .... Users of RSS content use programs called feed "readers" or "aggregators": the user subscribes to a feed by supplying to his or her reader a link to the feed; the reader can then check the user's subscribed feeds to see if any of those feeds have new content ...
        Fred's Head Companion -
http://www.fredshead.info/ 

Wednesday, March 04, 2009

Depression often linked with pain

Good morning!  I'm Kerry J Harrison at the business desk.
There is a burning question that I would like to deal with today and that is:  Is there a tangent link between pain and depression?  I have done a lot of research on this topic and according to the gurus in the know, there is a definite link.  So many of us including me often shrug off pain and then when we find ourselves in the dumps we are at a bit of a loss to figure out how we got there.
So, I would like you to read our news roundup to learn more.
Have a great day.
I'm Kerry J harrison at the business desk.
 
 
News on stress, anxiety, and depression
Breaking news!          Depression often linked with pain       
 
        Anxiety high as US bank rescue plan in limbo
        AFP
        Nobel laureate economist Paul Krugman said the stress test may help the administration intervene with big banks in the same manner it has been doing with ...
Read more at:
http://www.google.com/hostednews/afp/article/ALeqM5i-WSrt2kCJAy8EF-cLHVdUPEJ7cw
 
        Depression often linked with pain
        Daytona Beach News-Journal - Daytona Beach,FL,USA
        Moreover, people with chronic pain and depression often show signs of irritability and anxiety rather than sadness. On the other hand, people with a chronic ...
Read more at:
http://www.news-journalonline.com/NewsJournalOnline/Opinion/Columnists/Pain/colPAIN021609.htm
 
        Health Items Discount » Blog Archive » To Treat Depression And Anxiety
        By admin
        Women's Health in the News Yoga May Help Treat Depression, Anxiety Disorders Thursday, June 7, 2007 Brain scans showed boost in valuable brain chemical, study says. One of the common medications used to treat anxiety disorders are ... If you are one of those toiling millions suffering from acute depression, anxiety and stress, then acupuncture can serve as a perfect remedy. Content provided by Revolution Health Group. Acupuncture is indeed a powerful treatment for ...
        Health Items Discount -
http://healthitemcost.nozowka.com/ 
 
        5 Facts You Need To Know About Depression | Maca Root Blog
        By MrMaca
        Around 18 million US citizens suffer from stress, depression and anxiety every year and for many of them, understanding why they endure the torment is difficult. ... The good news is that just as you learned them you can unlearn them. The problem with all of the above is that they shift focus from outside yourself to try and find a ?magic bullet? (drugs, diet, events, genetics, toxins) when the answer to them lies within yourself. None of the above can cause depression ...
        Maca Root Blog -
http://blog.peruvian-maca.com/ 
 
        Health News Updates: About Stress Management: How Does Stress ...
        By Duck
        I think stress is causing weight problems. I think stress is affecting my emotions, causing anxiety or depression. I think stress isat least partially responsible for a major health problem I'm experiencing. ...
        Health News Updates -
http://health.iwc.cc/ 
 
        Using Sleep to Manage Headaches May Cause Insomnia (HealthDay via ...
        News) transient insomnia, intermittent insomnia usually necessary to recognize what you suffer from insomnia, and tobacco affects about the loss of stress, anxiety, and tobacco affects about the night, diminishing the problem of the root cause major depression, impairment in the amount of sleep, try to time, the Treatment for sleep, try as he or another factor that has been known as possible, both falling asleep on various publications, whether online or they opposite, ...
        Great Health Facts Here -
http://healthtopics.blogsaboutmentalhealth.com/ 
 
        Beta-Blocker May Erase Fearful Memories
        Blood Pressure Drug May Erase Fearful Memories. Propranolol May Help People With Posttraumatic Stress Disorder, Researchers Say. By Kelli Miller Stacy WebMD Health News. Reviewed by Louise Chang, MD .... One patient describes her obsessive compulsive disorder as teenage anxiety multiplied by 100. Watch Video. click to expand/contract When to See a Sex Therapist. When is it time for a couple to turn to a sexual therapist? Ask "Dr. Ruth". ...
        WebMD Health - http://www.webmd.com/ 
 
        Anti-social behavior in girls predicts adolescent depression seven ...
        EurekAlert (press release) - Washington,DC,USA
        It just may be that they are more prevalent in the early elementary school years than depression." He noted that depression and anxiety share a number of ...
Read more at:
http://www.eurekalert.org/pub_releases/2009-02/uow-abi021709.php
 
        Economic Woes Add to Winter Blues, Mental Health Concerns
        PR Web (press release) - Ferndale,WA,USA
        The ongoing financial crisis may be causing additional stress and anxiety during the winter months when frigid temperatures, long periods of darkness and ...
Read more at:
http://www.prweb.com/releases/2009/02/prweb1967384.htm
 
        Coping measures can help those deal with the stress of the economy ...
        The News-Sentinel is the Fort Wayne IN hometown newspaper. It contains Fort Wayne local news, state, sports and features. ... For a self-check on depression symptoms, visit www.depression-screening.org. For information on depression and anxiety, visit Mental Health America at www.nmha.org, or if you are in emotional stress and need someone to talk to, call Mental Health America's crisis line at 1-800-273-TALK (1-800-273-8255). ...
        News -- News-Sentinel -
http://www.news-sentinel.com/ 
 
        Classes Offered to Beat Depression - NBC Action News KSHB-TV 41
        Classes are now available to help you deal with stress. ... You can learn tips on how to boost your mood and fight those feelings of anxiety and depression. You can receive a complimentary depression screening just for signing up ahead of time. The next class wil be Tuesday March 17. It will be held at Saint Luke's South at 12300 Metcalf Avenue. The class is free of charge. To register for the class, you can call the Nurseline at (816) 932-6220 and choose option 2. ...
        Local News -
http://www.nbcactionnews.com/ 
 
        Anti-social behavior in girls predicts adolescent depression seven ...
        When all the risk factors were analyzed anti-social behavior and anx...,Anti-social,behavior,in,girls,predicts,adolescent,depression,seven,years,later,medicine,medical news today,latest medical news,medical newsletters,current medical news, latest medicine ... University of Washington social scientists tracked first- and second-graders for seven years and found that anti-social behavior among girls and anxiety among both sexes predicted depression in early adolescence. ...
        Latest Medical News from Bio-Medicine... -
http://www.bio-medicine.org/medicine-news-1/ 
 
        Manage the Stress of Natural Disasters | Psych Central News
        By Rick Nauert, Ph.D.
        "This involves flashbacks and nightmares of the original event, disturbed sleep, increased anxiety and tension, avoidance of normal activities, especially those that may include reminders of the trauma. ...
        Psych Central News » Psychology -
http://psychcentral.com/news/ 
 
        Health Items Discount » Blog Archive » To Treat My Depression
        By admin
        Should I take medications to treat depression, SVCMC; New York NY Bayley Seton, Staten Island, Mary Immaculate, Queens, St. If you'd like to know more about the advances made in treating depression, stress and. It can improve your mood and feelings of ... Johns Hopkins Health Alerts: Anxiety and Depression reports on treating anxiety with Xanax, Klonopin, Valium, and other antianxiety drugs and avoiding dependence. Just like humans, dogs can get depressed ...
        Health Items Discount -
http://healthitemcost.nozowka.com/ 

Tuesday, March 03, 2009

Important answers to consumers concerns

Top of the day to you out there!  I'm Donna J. Jodhan at the business desk.
Today my e-bag is heavy and I hope that you continue to send in your questions.  I really enjoy receiving them and providing you with appropriate answers.
So now, let's get down to work.
 
 
Answers to consumers concerns
 
Question from Bruce Amberman:  Donna, can you give me some info on how typical identity fraud occurs?
Answer:  Bruce, sure!  Here you go.  A perfect article for you to read.  I hope this helps.
(BPRW) Protect Yourself from Identity Fraud
Black PR Wire (press release) - North Miami Beach,FL,USA
Some hack into computer databases that carry extensive personal information. Others use email to disguise 
themselves as trustworthy companies, ...
Read more at:
http://www.blackprwire.com/press-releases/1915-bprw_protect_yourself_from_identity_fraud
 
Question from Lee Tamer:  I can't seem to find good online technical support.  Got any suggestions?
Answer:  Lee, I may.  Here is something for you to check out.  These days, online technical support is so hard to find 
but this reference may have something good for you to buy into.
Booting up PC Computer Support PC Help Forums Provided By ...
Computer problems tips for online technical support. when your computer is creating mess for you and you can not 
find right solutions, you set out in search of experts to (buy antivirus). Related Images: ... When It's All About Your 
computer Security. this has motivated computer users to look forward to online computer support services widely 
available on the internet. computer support resources serve as one stop shop for your (computer support) ...
Computer - Laptop - Hardwere - Softwere - 
http://computer-laptop-news.com/search.html?q=replacement+windows&submit=Search 
 
Question from Ian Bell:  I just started using Adobe and want to learn more.  Do you have any ready tips?
Answer:  Ian, yes.  Please check out my reference below.
Lynda.com Adobe Tutorials ~ Xual - dedicated to users
By Xual
Larry begins with tips for working more efficiently with the interface and tools and then moves on to advanced editing, 
nesting sequences and clip management strategies. Using Color Keying features to remove backgrounds, ... The 
Internet is an unmatched resource for home, education, and business. And no matter where and how you are using 
the Internet, it is critical that you protect your privacy and security while you are online. Computer Privacy & Security 
Essential ...
Xual - dedicated to users -
http://xual.blogspot.com/ 
 
Question from Max Grunman:  I am just so tired of watching out for cyber pirates.  What can I do to avoid them?
Answer:  Max, they are everywhere and can get to you not only through your computer, but also through your wi-fi 
connections, and even your phone lines.  I urge you to read my reference below.  I hope it helps.
Be a 'Spiderman' to fight the cyber burglar!
CIOL - Bangalore,Karnataka,India
Educated users would refrain from using such networks. -What applies for Wi-fi, holds true for your phone security 
too. Take care of your Bluetooth luxury ...
Read more at:
http://www.ciol.com/News/News-Reports/Be-a-Spiderman-to-fight-the-cyber-burglar!/17209116177/0/
 
Question from Eric Rusnoff:  Donna, how can I keep my computers safe from viruses?  I have several computers at 
home for my kids and my wife and I.  Thanks.
Answer:  Eric, I do believe that Norton just came out with some very good software to help with computer virus 
protection and I am giving you a reference to check out.  I hope it helps.
HOT NEWS!!!: Norton Internet Security Protection Considers ...
By conturix
Not only do most people have a computer at work, but they also have at least one compute at home. In fact, an 
increasing number of families have computers that are truly personal; meaning each person in the family has their 
own. ... Because of this, there is a flourishing computer internet security software industry that is designed to help 
computer users stay one step ahead of the bad guys who would like to take advantage of people who are not as 
internet savvy and who ...
HOT NEWS!!! -
http://all-hot-news-world.blogspot.com/ 
 
Question from Nicolas Dobrin:  Has there been any advancement in anti virus software that you know of?
Answer:  Nicholas, according to the article below, yes.  I just finished reading this one and you may want to check it 
out.  I hope it helps. 
Fighting Off Viruses: Advancements in Antivirus Software Suites ...
By admin
PC-cillin Internet Security combines antivirus security and a personal firewall—for comprehensive protection against 
viruses, worms, Trojans, and hackers. It also detects and removes spyware and blocks spam. ... While AVG can not 
be installed on a server operating system and there is no technical support, it still makes a good choice for many 
home computer users. The best part is that since it is free, you can try it with no further obligation necessary. ...
Software and eBook Blog -
http://www.blog.pricelessway.com/ 
 
Question from Mary Chalmers:  Donna, my mom is a disabled senior and I would like to know if there are any 
resources out there that I could read in order to help her find the best care possible?
Answer:  Mary, I am not sure if my reference would help but it is the closest that I could find to match your question. 
 Please give it a read.
Grassley works to help seniors and people with disabilities get ...
By Iowa RealEstateRama
WASHINGTON, D.C. - February 16, 2008 - (RealEstateRama) — Federal legislation introduced today by Senator 
Chuck Grassley would make it easier for states to provide Medicaid home and community-based services to seniors 
and Americans ... This number is expected to increase dramatically over the next few decades as the baby boomers 
age and life expectancy increases. According to the U.S. Administration on Aging, by the year 2030, there will be more 
than 70 million elderly ...
Iowa -
http://iowa.realestaterama.com/ 
 
Question from Sidney Govia:  I am presently checking out long term care insurance for me and my wife.  What sort 
of things should I be looking for?
Answer:  Sidney, here you go.  A perfect article for you to investigate.  Long term care insurance should be on the 
minds of all of us especially as we approach retirement age but these days long term care insurance is something that 
we should all be considering.
what To Look For In Long Term Care Insurance
By William Terry
Tags: asset protection, baby boomers, blogging, consumer education, consumer guide, education, family, financial, 
financial planning, health, Health & Fitness, insurance, lifestyle, long term care, long term care insurance, retirement, 
...
Discovery Health Cares -
http://www.discoveryhealthcares.org/ 
 
Question from Keath Carney:  Donna, how can I help my parents to deal with the savings that they were depending 
on to retire with?
Answer:  Keath, this is a very loaded question and I really do not have an answer for you.  However, I am going to 
refer you to a reference that I recently found.  This article makes for very good reading.
Smart Strategies for Elder-Care
Wall Street Journal - USA
The retirement savings their parents were depending on are being decimated, ... According to a 2005 Pew Research 
Center report, 13% of baby boomers (about ...
Read more at:
http://online.wsj.com/article/SB123483662165096341.html
 
Question from Mary Caponno:  Do you think that home care may be an alternative to expensive nursing home care 
given the present recession?
Answer:  Mary, definitely and my reference below supports my point of view.  I truly believe that the home care 
industry is in for a massive injection of demand for its services.  It is cheaper, and if anyone is looking for a business 
idea and loves to work with older persons, then this is it. 
A need that recession can't stop
Denton Record Chronicle - Denton,TX,USA
At the moment, home care is especially popular because some seniors who have been hit hard by the recession can't 
afford to move into a retirement community ...
Read more at:
http://www.dentonrc.com/sharedcontent/dws/bus/stories/021709dnbusstartups.3a6e9a5.html
 
Question from Donna Hardman:  What do you think are the employment prospects for older Americans?
Answer:  Donna, according to my reference below, pretty good.  I am going to let this article speak on my behalf as I 
do not have anything much more than this to go on at the present time.  I hope it helps.
DrBoyceRetirement: Staying in the workforce
By group2a
Older Americans actually have excellent long-term employment prospects, and since we could all use some good 
news, let's look at that fact first. As boomers retire, millions of jobs are going vacant every year—more than younger 
workers can fill and ... The percentage of seniors working full-time started increasing around the same time and 
continues to climb. And from 2006 to 2016, the federal government projects that while the number of workers age 16 
to 24 will drop, ...
DrBoyceRetirement -
http://drboyceretirement.blogspot.com/ 
 
Question from Isabel Greniac:  Donna, do you have any useful tips for someone who wants to market services to the 
baby boomer market?
Answer:  Isabel, I may.  Please check out my reference below.  The baby boomer market is a fast-growing one with 
real demand and real consumers.  Please check out my reference.
Nine Top Trends In Marketing | Successful Business
By John Harden
... ability to deliver the health care, insurance, social services and financial resources required to support them. Baby 
Boomers will be the first wave of older adults to lead a fundamental shift in the demographic structure, suddenly 
altering the products and services catering to seniors. Significant changes lie ahead in retailing, product offerings, and 
packaging solutions as well as the financial services, long-term health care and retirement options they will need. ...
Successful Business -
http://www.successfulbusinessblog.com/ 
 
Question from Frank Bruno:  Donna, what is your opinion on the Rosetta Stone software?
Answer:  Frank, I would prefer to let you read a reference that I found for you.  I would like you to draw your own 
conclusions.  I hope it helps.
Does Rosetta Stone Really Work?
TriCities.com - Johnson City,TN,USA
In our case, we try to keep up with the Spanish we learned in college, ... are no vocabulary lists and no grammar 
lessons; there are also no translations. ...
Read more at:
http://www.tricities.com/tri/news/local/consumer/article/does_rosetta_stone_really_work/20447/
 
Question from Moreen Ashford:  Donna, I am looking for ways to improve my medical translation.  Any suggestions?
Answer:  Moreen, here you go.  Check this one out.  I think that you will find it helpful.
Medical Translation Blog: How to assemble an effective ...
By ForeignExchange Translations
Effective localization kits for medical translations Most people would agree that the successful communication of project 
expectations and deliverables significantly impacts the final quality of a localized product. ... Or is this a technical 
manual that must accurately reflect the English text?) Specific localization instructions that, depending on the 
component type, may include information such as: - which terms to translate or leave in the source language; ...
Medical Translation Blog -
http://blog.fxtrans.com/ 
 
Question from Karen Ward:  What type of startup businesses do you think I can be looking at to revitalize my 
business opportunities during these hard times?
Answer:  Karen, I am not too sure but the reference below has some very interesting ideas and suggestions.  Please 
check it out.
New tech start-ups can rise from the economy's ashes
USA Today - USA
"Most successful high-tech companies transition into other opportunities" during trying economic times, says Cisco CEO 
John Chambers. ...
Read more at:
http://www.usatoday.com/tech/techinvestor/2009-02-16-tech-startups-economic-troubles_N.htm
 
Question from Tim Lancing:  Are there any countries today where banks are willing to work with small businesses to 
help them keep afloat?
Answer:  Tim, just maybe and I have something for you to check out.  It is not the United States but you can glean 
some very interesting information from this reference.
Lending a hand or losing an arm? Banks, small business and finance ...
Personal Finance - Cape Town,Western Cape,South Africa
Standard Bank's business mortgage allows small business owners such as accountants, doctors and vets the 
opportunity to buy, extend, ...
Read more at:
http://www.persfin.co.za/index.php?fSectionId=710&fArticleId=4846940
 
Question from Nancy Wheeler:  I just lost my job and am looking for ways to recharge my efforts to get going again. 
 Any suggestions?
Answer:  Nancy, this is a very broad question and I am not sure how to answer it.  However, I found an article that 
may interest you.  Please check it out.
If You Are Jobless, Get Busy With The GDI Home Business | Aneez ...
By Xylene Belita
Have you ever considered working at home and being your own boss? Being jobless is the right opportunity for you to 
go into a new home business. This could be the best time ever in your life. Think of being jobless as an opportunity to 
... Many people have been laid off from their jobs, so are you one them? If you are, do not lose hope. It is not your 
fault that you lose your job. The financial crisis hit many companies, both big and small, so they have to cut down 
jobs. ...
Aneez News Portal -
http://www.aneez.com/ 
 
Question from Bruno Gatting:  How can I stay away from scams when buying small time investments?
Answer:  Bruno, a very good question and one that we should all be keeping in mind when we go to buy these types 
of investments.  I have here a very insightful article for you to read.  It is very interesting and has some very 
important information to impart to the reader.
How to be Rich, Happy and Free from Scams: New lessons from the crash
By Janny Cole
But one of the enduring lessons of the past quarter-century is that opportunities to buy stocks at truly cheap prices 
can be fleeting. That's why some investors are talking about finding disciplined ways to boost their stock exposure 
modestly to ... "There's a lot of cash on the sidelines, and when people begin to get optimistic, there will be a lot of 
people trying to fit through a very small door," says David Antonelli, a money manager with MFS Investment 
Management. ...
How to be Rich, Happy and Free... -
http://how-to-be-rich-and-happy.blogspot.com/ 
 
Question from Marie Amiotte:  Donna, how can I tell that I am suffering from depression?
Answer:  Marie, I am going to refer you to an article that came across my desk recently and I hope that it helps.  
This is not my field of expertise so I hope that this article helps you.
5 Facts You Need To Know About Depression | Maca Root Blog
By MrMaca
Around 18 million US citizens suffer from stress, depression and anxiety every year and for many of them, 
understanding why they endure the torment is difficult. ... The good news is that just as you learned them you can 
unlearn them. The problem with all of the above is that they shift focus from outside yourself to try and find a ?magic 
bullet? (drugs, diet, events, genetics, toxins) when the answer to them lies within yourself. None of the above can 
cause depression ...
Maca Root Blog -
http://blog.peruvian-maca.com/ 
 
Question From Renee Miquelon:  Do you have any info to share on stress management?
Answer:  Renee, yes.  I have a reference for you to check out.
Health News Updates: About Stress Management: How Does Stress ...
By Duck
I think stress is causing weight problems. I think stress is affecting my emotions, causing anxiety or depression. I 
think stress is at least partially responsible for a major health problem I'm experiencing. ...
Health News Updates -
http://health.iwc.cc/ 
 
Question from Theresa Baird:  Do you think that the winter blues make things worse for economic woes?
Answer:  Theresa, according to many experts, yes.  Economic woes can definitely add to winter blues and visa versa. 
 Logically, winter months are the hardest for us to deal with and if you add economic woes to this then it is a very 
good recipe for greater depression and stress.  Please check out my reference below.
Economic Woes Add to Winter Blues, Mental Health Concerns
PR Web (press release) - Ferndale,WA,USA
The ongoing financial crisis may be causing additional stress and anxiety during the winter months when frigid 
temperatures, long periods of darkness and ...
Read more at:
http://www.prweb.com/releases/2009/02/prweb1967384.htm
 
Question from Britney Francini:  I am looking for coping mechanisms to help me deal with my stress.  Got any?
Answer:  Britney, Here you go.  Please check this one out.
coping measures can help those deal with the stress of the economy ...
The News-Sentinel is the Fort Wayne IN hometown newspaper. It contains Fort Wayne local news, state, sports and 
features. ... For a self-check on depression symptoms, visit www.depression-screening.org. For information on 
depression and anxiety, visit Mental Health America at www.nmha.org, or if you are in emotional stress and need 
someone to talk to, call Mental Health America's crisis line at 1-800-273-TALK (1-800-273-8255). ...
News -- News-Sentinel -
http://www.news-sentinel.com/ 
 

I am out of time for this week but before I go, here is my tiny tip.
Hosting companies and Internet providers need to pay more attention to the demands and needs of the aging baby 
boomer market.  These are the consumers that did not grow up in the age of technology and you need to keep this 
in mind when you design your services.  Keep your hosting panels simple and easy to use, and provide more on site 
support to your consumers.
 
At the business desk, I'm Donna J. Jodhan wishing you a terrific day and week ahead.

Monday, March 02, 2009

Grassley works to help seniors and people with disabilities get ...

Good day!  I'm Jeff N Marquis at the business desk.
Well, so many of us often wonder if there is anyone out there in office who really cares about the plight of seniors and the disabled.  Too many officials are guilty of making and breaking promises when it comes to fully addressing the plight of seniors and the disabled.  However, there is one man who has not forgotten and this week I would like you to meet him.
I wish you a pleasant day.
 
 
News for retirees, aging baby boomers, and seniors
Breaking news!          Grassley works to help seniors and people with disabilities get ...       
 
        Grassley works to help seniors and people with disabilities get ...
        By Iowa RealEstateRama
        WASHINGTON, D.C. - February 16, 2008 - (RealEstateRama) — Federal legislation introduced today by Senator Chuck Grassley would make it easier for states to provide Medicaid home and community-based services to seniors and Americans ... This number is expected to increase dramatically over the next few decades as the baby boomers age and life expectancy increases. According to the U.S. Administration on Aging, by the year 2030, there will be more than 70 million elderly ...
        Iowa -
http://iowa.realestaterama.com/ 
 
        The Aging Population In Canada | Senior Money Memos
        By Barry Welford
        The effects of aging demographics will impact demand for health services, labour markets, public finances, and the provision of public infrastructure. Another useful website to explore on these aging population issues is the About Canada ... It is surprising that there is not enough discussion about these matters given the increasing number of aging baby boomers. Although British Columbia is the province most affected, this aging population issue must be addressed in all ...
        Senior Money Memos -
http://www.seniormoneymemos.com/ 
 
        Dean Baker: In Two Weeks, Obama Will Support A Task Force to ...
        By Susie Madrak
        In short, the vast majority of baby boomers will be approaching retirement with little other than their Social Security and Medicare to support them. And now President Obama is apparently prepared to appoint a commission that will attack these only ..... Mon, 02/16/2009 - 17:24 — sambolini. Sorry Nichole, I usually agree with what you say but you have to have better sources. Open Wikis and wire service articles are poor, and in this case, wrong, sources of information. ...
        Crooks & Liars Video Podcast -
http://crooksandliars.com/ 
 
        What To Look For In Long Term Care Insurance
        By William Terry
        Tags: asset protection, baby boomers, blogging, consumer education, consumer guide, education, family, financial, financial planning, health, Health & Fitness, insurance, lifestyle, long term care, long term care insurance, retirement, ...
        Discovery Health Cares -
http://www.discoveryhealthcares.org/ 
 
        Articles Vault | What To Look For In Long Term Care Insurance
        By William Terry
        Looking at whether you may receive in-home services, nursing home care or community based services will help your quote vary. Your age is going to determine the cost of the policy. If you are younger and buying a policy, you will almost certainly ... Tags: asset protection, baby boomers, Blogging, consumer education, consumer guide, Education, Family, financial, financial planning, Health, Insurance, lifestyle, long term care, long term care insurance, retirement, seniors ...
        Articles Vault -
http://syahdiar.org/articles/ 
 
       Smart Strategies for Elder-Care
        Wall Street Journal - USA
        The retirement savings their parents were depending on are being decimated, ... According to a 2005 Pew Research Center report, 13% of baby boomers (about ...
Read more at:
http://online.wsj.com/article/SB123483662165096341.html
 
        A need that recession can't stop
        Denton Record Chronicle - Denton,TX,USA
        At the moment, home care is especially popular because some seniors who have been hit hard by the recession can't afford to move into a retirement community ...
Read more at:
http://www.dentonrc.com/sharedcontent/dws/bus/stories/021709dnbusstartups.3a6e9a5.html
 
        DrBoyceRetirement: Staying in the workforce
        By group2a
        Older Americans actually have excellent long-term employment prospects, and since we could all use some good news, let's look at that fact first. As boomers retire, millions of jobs are going vacant every year—more than younger workers can fill and ... The percentage of seniors working full-time started increasing around the same time and continues to climb. And from 2006 to 2016, the federal government projects that while the number of workers age 16 to 24 will drop, ...
        DrBoyceRetirement -
http://drboyceretirement.blogspot.com/ 
 
        The Savvy Boomer: Who to complain to in Canada
        By The Savvy Boomer
        If you live in Canada, there are various agencies that you can complain to if you are having problems with various types of services. Some of these are national and some only for BC but if you are in another... ... Introduce your product to boomers and seniors. Does your company have a product or internet site that would be of interest to boomers and/or seniors? Introduce it to the readers of The Savvy Boomer. Email me at the address below. ...
        The Savvy Boomer -
http://www.thesavvyboomer.com/the_savvy_boomer/ 
 
        Nine Top Trends In Marketing | Successful Business
        By John Harden
        ... ability to deliver the health care, insurance, social services and financial resources required to support them. Baby Boomers will be the first wave of older adults to lead a fundamental shift in the demographic structure, suddenly altering the products and services catering to seniors. Significant changes lie ahead in retailing, product offerings, and packaging solutions as well as the financial services, long-term health care and retirement options they will need. ...
        Successful Business -
http://www.successfulbusinessblog.com/ 
 

        Online Incorporation Services: The Affordable Way
        By Sarah Davidson
        With the rise of the Internet, many incorporation services have become available online, and they can provide you with an easy and efficient way to incorporate your business. But with so many companies providing these services, ...
        Free online article and e-guide... -
http://tulup.net/ 
 
        Beauty Tips: To know the details about the Reverse Mortgage, just ...
        By Karthik
        These are tips already implemented and they are successfully followed by many seniors and boomer's. For us, there are many questions will arise regarding applying for the social security benefits like getting full security benefits, .... The owner(s) of this blog is compensated to provide opinion on products, services, websites and various other topics. Even though the owner(s) of this blog receives compensation for our posts or advertisements, we always give our honest ...
        Beauty Tips -
http://www.malizmaj.net/ 
 
        Looking for Life Insurance for Pets | Personal Finance And Investing
        By Dr. Robert Sleeter
        Cremation, burial services and even bereavement services can be included in your life insurance for older pets. When a pet dies, many individuals feel lonely, sad and depressed and need counseling. Bereavement counseling can help the ...
        Personal Finance And Investing -
http://mr-miller.org/ 
 
 

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