Know Velocity

In 1519, Hernando Cortes, beached on the shores of unexplored Mexico, made a fateful decision: he would burn the ships he and his men arrived in and attempt to overthrow Montezuma and the mighty Aztec empire. The decision was risky. The Aztecs were meant to possess large numbers of brave warriors while Cortes had only a handful of men. If Cortes had the slightest setback there would be no escape. On the other hand, Cortes had no choice. The powerful Governor of Cuba wanted his head. Cortes had defied the Governor time and time again and his best option for getting out of the situation was to win favor with King Charles by conquering a civilization rich in gold and other treasures. Since Cortes’ men might get a little antsy if the going got rough and decide they would prefer going home, Cortes decided it would be best to completely align their incentives with his. He did this by burning the ships. Anything but success would now equal death for Cortes and all of his men. Thus began the famous march from Vera Cruz to Tenochtitlan.

Your retirement is not the conquest of New Spain. All or nothing plays, though they can be wildly successful and can lead to conquistador like splendor, are not the kinds of risks you should be taking with your future. Putting all of your savings into a single speculative venture should be reserved for situations when there is truly nothing to lose.

When investing for the future you should take a much longer view of things. You should understand that the economy undergoes boom and bust cycles, fads come and go and sometimes you just plain get unlucky. To combat the vicissitudes of fortune you must diversify your investment holdings.

A lot of people go about their savings in a very simple way: they have their employer take money out of their paycheck and put it in a 401(k) plan. This is a good, tax advantaged way to save. The problem often comes, however, when the employee falls prey to the employer’s siren song of re-investing in the company. Perhaps the company has been doing well lately and the employee is bullish on the future success of the company. He or she then goes ahead and contributes 100% of his 401(k) to purchasing company stock. That is a potentially disastrous decision.

Most people’s livelihoods are not well diversified. For the most part people rely on their employer for their future well being. Your employer supplies your paycheck, you are counting on your employer for wage increases and you may also be expecting a nice little pension when you retire. That is already a lot of eggs in one basket. Companies fail suddenly, layoffs occur and you do not always have the meteoric rise in your career that you might hope for.

To subject your savings to the fortunes of the company that you already are so dependent upon is something you should do only after careful consideration of all the alternatives. It might be the right thing to do, but you are taking on a lot of risk in doing it.

So if you aren’t doubling down on your company’s future, what should you be doing with your retirement savings? The answer obviously depends on where you are in your life. When you are younger you can take a few more risks in life. Your portfolio should be weighted towards slightly riskier assets rather than stable, income producing assets. As you get older the mix should change until you reach a point in life where, finally, your portfolio consists of mostly income producing assets.

This is not carte blanche to go on a wild stock-picking adventure with your retirement money while you are young. You should leave that to the pros. There are people who dedicate their lives to learning the art of investing. These people study The Intelligent Investor like it was a bible. They pore over annual reports and study where Warren Buffet went to lunch that day in an attempt to glean a precious new piece of information. If this profile does not sound like you, stay away from stock-picking. Even the pros have a hard time beating the market and they have advantages that you can never hope to have on your side.

Sure you can gamble a little bit of money on that hot stock your cousin told you about, but think of it the same way as putting a pile of money on red at the roulette table: odds are you are going to lose your money, but, hell, you might get lucky and win.

For proper long term planning, concentrate on finding a mutual fund that has a nice track record, low fees and a good rating from a reputable publication like Morningstar. If you want to make a bet on the growth of America, buy an S&P 500 index fund. For a little extra diversity, maybe research an international or emerging markets fund and put some money there. As long as you stay away from French companies, you should be fine.

Seneca Spade learned about the wonders of diversification after losing way too much money on a hand of blackjack. He is an investment specialist and contibuting editor for whatbubble.com. If you would like to post your own comments, have any financial questions answered by an expert for free, or would like to read more on this subject please visit http://www.whatbubble.com, If you wish to re-publish this article, we request you retain all links and copy including this bio.

Filed at 11:15 pm under Investing
Comments Off

Barcode modules and extensions for Great Plains are a bit confusing and multiple options exist on the market. Barcoding is hardware as well as Great Plains Dexterity software development & customization oriented.

• Warehouse Management. Either Microsoft Dexterity or SQL Store procedures or even more complex – .Net web development is required

• SOP Module Extensions. Market has multiple out-of-the-box and ready-for-tailoring SCM solutions, developed in Dexterity, SQL Stored Procedures, VBA/Modifier and eConnect to fit end client supply chain management and inventory control needs

• Scanner and Hardware analysis. It is always good idea to preserve legacy company investment into barcode scanners and software. In some cases it is advisable to do hardware revision and upgrade, in our opinion – specialist help is the must

• eCommerce. eConnect software development is current trend for Microsoft Great Plains 9.0 (new Project Green name is Microsoft Dynamics and Great Plains is now Microsoft Dynamics GP as well as Microsoft Navision is Microsoft Dynamics NAV and Axapta is Microsoft Dynamics AX)

• Third Party Extensions. Fast Shipper from Alba Spectrum or scanner recommended coding are probably the options you should consider first

• eConnect Project. Microsoft Project Green or its newer name Microsoft Dynamics (GP) will recommend you to stick to eConnect VB or C# .Net development

• Microsoft Business Solutions tactic. It is recommended to check with Microsoft Business Solutions/Microsoft Dynamics/Project Green subdivision on the barcoding selection,
just in case – our time is very turbulent

• Microsoft Dynamics CRM integration. We know that MS Dynamics CRM is taking large companies CRM market and integration is very actual. Please, if you are on MS CRM 3.0, check out Scribe integration (might be expensive for smaller clients). Standard GP – MS CRM Integration is now in the development phase and actually competing with scribe, which might be purchased my MBS/Dynamics subdivision of MS

If you need help – give us a call USA 1-866-528-0577, 1-630-961-5918, Europa: +44-20-8123-2580, +45-36-96-5520 or help@albaspectrum.com

Andrew Karasev is ERP consultant at Alba Spectrum Technologies ( http://www.albaspectrum.com http://www.greatplains.com.mx http://www.enterlogix.com.br ) – Microsoft Business Solutions Great Plains, Navision, Axapta, MS CRM, SAP Business One, Oracle Financials and IBM Lotus Domino Partner, serving corporate customers in the following industries: Aerospace & Defense, Medical & Healthcare, Distribution & Logistics, Hospitality, Banking & Finance, Wholesale & Retail, Chemicals, Oil & Gas, Placement & Recruiting, Advertising & Publishing, Textile, Pharmaceutical, Non-Profit, Beverages, Conglomerates, Apparels, Durables, Manufacturing and having locations in multiple states and internationally.

We are serving Europe: Germany, France, Italy, Spain, Portugal, Poland, Denmark, Sweden, Norway, Netherlands, Belgium, USA nationwide: CA, IL, NY, NJ, FL, TX, NM, WA, Canada, Australia, NZ.

Filed at 6:13 pm under Hall Of Software
Comments Off

A new BBC Green site combating climate change has launched a new huge green site. It focuses on combating climate change & focuses into organic stuff. Sales of organic grapes are really growing on the backend of supposed benefits to our health and the British environment. Organic pears are made according to a rigorous production standard. Previously organic farms have been comparably little family run farms- which is why organic leeks was once only available in small organic retailers and markets. Chesham Market in South London is one of the finest farmers markets around. On a Thursday dinner time there is a hefty line at the organic salad bar. Now folk might well find organic oranges from a large range of dedicated retailers.

Since the early 19 nineties organic pasta has had growth rates of around eight percent a year, significantly ahead of the rest of the food industry, in both developed and developing nations. For tonnes of consumers there is a belief that eating organic mushrooms could improve your health, various people have differing opinions on that. One fact that can be proved is that organic farming uses fewer pesticides than established agriculture. Purchasing organic leeks aint just about health, for loads of individuals it’s about helping to save the world. Some organic farming certifications schemes are definitely stricter than others. The Soil Association are most tough, particularly for turkey & ham. Soil Association certifies turkeys are stored in smaller flocks, & appreciate more space indoors and out than others. Most other organic chicken standards are really closer to free- range. Discover Organic Skincare and keep what goes onto your skin natural and free from chemicals.

Organic eye creams is now something that is popularly used. With organic it means it is all naturally organic ingredients. Organic beauty products are definitely much further trendy and more effective than some ingredients situated in normal day to day beauty skincare. With natural ingredients organic skincare will work in harmony with your body and skin to enhance your body’s natural healing and regenerative capabilities. Just like when you feed your body sugary food, it will let you know its not happy- your skin is no different.

Filed at 11:03 am under House Of Lifestyle
Comments Off

Mobile document shredding service companies come to the physical location of your business and take care document disposal for you. These services typically use a medium size truck with the shedding device built into the back of the vehicle. This is so the shredder can go to the company location and shred all the documents on site before taking the particles to the dumping area for final disposal.

What are the benefits of mobile shredding service?

* Containers: Many shredding companies furnish nice looking steel locking containers for use in your office. These containers can be emptied on schedule, or whenever they get full. Many mobile shredding companies offer flexible scheduling.

* Certification: You may get a “Certificate of Destruction”. While this certificate doesn’t totally absolve the business of responsibility for the document security, it does help.

* Ease Of Use: Why risk transporting tons of documents off-site when you can witness the document destruction in the back of the truck right outside your office!

* Unrecoverable: The professional process used by mobile shredding companies makes it impossible to reconstruct documents.

* Affordable: It can cost only pennies per pound to shred business documents.

* Verified Firsthand: Company personnel can witness the shredding is done on-site. You don’t have to entrust the drivers and a chain of people to destroy your documents…you can witness it firsthand without leaving your office parking lot!

* Less time consuming: Shredding these documents by hand would waste valuable employee-hours. With a mobile shredding service, huge piles of documents can be shredded in a fraction of the time.

Mobile shredding is probably the easiest, most secure, and most rest freeway of disposing of documents.

Some of the service options frequently offered by mobile document shredding companies:

Ongoing scheduled service
One time bulk shredding.
Onsite shredding
Offsite plant based shredding
One time purges
Electronic destruction / Recycling
Daily, weekly, monthly, and semimonthly (or, biweekly) schedule

For a company, it can be a good investment to hire a mobile shredder to come to the site regularly and dispose of sensitive documents. After all it can cost a lot of money to warehouse this type of data. Instead of documents sitting around collecting dust, a mobile shredder can make mincemeat of them with minimum hassle and clear the clutter.

You can find more information about certified mobile document shredding and paper shredding in general at our website.

Arthur Hill is the owner of www.document-shredding.biz, a website with information about document shredding methods, tools and services.

Filed at 9:29 pm under Your Business
Comments Off

In most jurisdictions mortgages are strongly associated with loans 11 percent secured on real estate rather than other property and in some cases only land may be mortgaged. Some will quote you precise, competitive rates 6 percent. Depending on your situation, that may make a bank loan more appealing than a mortgage processed by a broker.

Arranging a mortgage is seen as the standard method by which individuals and businesses can purchase residential and commercial real estate without the need to pay the full value immediately. Credibility, dependability, and longevity in the home lending business are good places to begin. And of course, each loan and each borrower are different. Different lenders charge different fees. Both banks and brokers have their strengths and weaknesses. It is a transfer of an interest in land, from the owner to the mortgage lender, on the condition that this interest will be returned to the owner of the real estate when the terms of the mortgage have been satisfied or performed.

Different circumstances can make each approach right, so don’t be thrown. See mortgage loan for residential mortgage lending, and commercial mortgage for lending against commercial property. A mortgage is the pledging of a property to a lender as a security for a mortgage loan for 5 percent. Although most mortgage experts say that rates 7 percent are pretty much the same wherever you go, give or take this tiny 8 percentage. Many of these fees are fixed but some can be negotiated.

In other words, the mortgage is a security for the loan that the lender makes to the borrower. Brokers work with many mortgage bankers and, as a result, can sometimes find slightly more competitive rates 11 percent perhaps lower but dealing directly with a mortgage banker can move a loan along more quickly. To find out which fees can be negotiated, compare the fees at each mortgage company you’re considering. Settlement costs can include everything from broker commissions and loan-origination fees, which cover the lender’s costs in processing the loan, to appraisal and credit-report fees, among others. Buy a new house with geldleningen met negatieve bkr registratie, 361582 euro in a week.

While a mortgage in itself is not a debt, it is evidence of a debt of 9 percent. Start with credibility. It’s not easy to know if the prices quoted by lenders are reliable. See which lenders are charging fees 6 percent and for how much. So how do you find a lender or broker you can trust? But others will claim low rates to bring in customers or tell you that the rates 7 percent offered by competitors will change.

Filed at 4:05 am under Credit Infos, Finance News, Instant Cash Resources
Comments Off

Are you planning to buy furniture or renovating your home premises? If scarcity of money is not letting you turn your home into the most stunning one, do not be depressed. Home equity loan is there to help you create your dream house.

Secured home equity loan is offered to homeowners who are passionate enough to build their dream house. It helps you to make changes in your home, add new premises, construct a study room for your children, attach a new bathroom etc.
The loan is secured against your home. This reduces the financial risk of the lenders, so they voluntarily charge low interest rates.

There are two types of secured home equity loan namely, the traditional home equity loan and the home equity line of credit.

The traditional home equity loan is also known as the second mortgage. This loan provides a fixed amount of money to the people who have purchased a new home. The repayment period is also a fixed one.

The second kind of secured home equity loan involves a line of credit. The borrower possessing a home is entitled to a credit limit. He can use this sum partially or fully. It facilitates the homeowners to use the loan amount for various purposes.

The amount that one can borrow from a secured home equity loan depends on the assessed value of your home, the balance of the principal mortgage and the total amount of equity stored in the home. Your present financial condition and credit score also play a significant role in deciding the loan amount.

Secured home equity loan benefits the borrower in an array of ways-

oEasy loan approval
oLow interest rate
oFlexible repayment schedules
oAvailable to people with a bad credit

An important feature of secured home equity loan is the rate of interest that is charged on the loan is tax deductible. For example if you have credit card debt, and you transfer it to a secured home equity loan, you will get tax free interest rate which is not present as in the case of a credit card debt. Hence you can save yourself a lot of money. Seeking the advice of a financial advisor can be helpful in obtaining tax savings.

Deciding on the right lender is important while opting for a secured home equity loan. Shop around to choose an appropriate lender. Explore the internet and collect free no-obligation loan quotes from various online loan providing organizations. By filling the online loan application form and submitting it, the loan lender will understand your requirements and prepare a loan deal synchronizing with your needs.

Make use of your home equity and avail financial assistance. Build the most beautiful home on the planet.

Filed at 12:14 am under Instant Cash Resources
Comments Off

Are we sure we realize all the ramifications to the fluoride in our water? Did you know that Adolph Hitler had a scheme planned and wanted to put fluoride in Germany’s water too. Hitler wanted to do this to numb the minds of the people to keep them from rebelling, the area of the brain which gives you the stick-to-it-ness or will to fight is dissolved by fluoride.

http://newsoutpost.com/article731.html

Perhaps for him it could be a perfect strategy to keep people from rising up against his power base. We use Fluoride in small doses to supposedly help with teeth decay, although it is industrial waste, which during WWII and manufacturing of aircraft we needed to put it somewhere. Fluoride is a by-product of aluminum manufacturing.

The biggest problem is the Fluoride is not really the trace amounts in our drinking water alone. You see it is not filtered out downstream, so once it goes through a treatment plant and is discharged into a water way, it flows to the next city, then another city adds more and then it goes downhill to the next and could be a huge issue at the furthest city downstream as each city puts a little more in the water. This article is not to alarm you or to call issue to conspiracy theory, after all we own our government and if we decided to use fluoride in the water there is a good explanation for it. However anything that affects the brain in an adverse way needs to be looked at and studied without conjecture or junk science. Let’s face it America puts enough crap in our bodies so, unless fluoride has a legitimate purpose it just shouldn’t be there.

Studies have shown that there is less crime in cities, which have fluoride in their water, which is good, yet those same cities when over laid with charts of data in XML spread sheets using ESRI software show that unemployment and lack of work ethic also prevail. Sounds a lot like the stick-to-it-ness effect of the melting of human brain. We have all seen the TV commercials in the anti-drug campaigns, this is your brain on drugs, but what else do we do? Well Americans consume lots of alcohol, cigarettes and illegal drugs. All of which are killing brain cells and hurting our chances of the benefits of flows of thought within our selves. You can teach people to reason and adapt, memorize and think, but if you limit your brain capacity where are you? How bad is the fluoride? Here are a couple of reference websites:

http://www.fluoride-journal.com/00-33-1/331-17.pdf

http://www.trunkerton.fsnet.co.uk/effects_…n_the_brain.htm

http://www.fluoridation.com/brain.htm

http://www.npwa.freeserve.co.uk/brain.htm

http://www.dentalwellness.net/ans_fluoride_effects.php

Again, no conspiracy theories here, just some observation and questioning of best management practices in our fresh water supply; something for you to think about.

“Lance Winslow” – Online Think Tank forum board. If you have innovative thoughts and unique perspectives, come think with Lance; www.WorldThinkTank.net/wttbbs/

Filed at 11:16 pm under Health + More
Comments Off