A Downturn In The Economy


In recent years, Ikea had manifested reduction in sales rates due to several factors. One primary reason is the economic crisis experienced in the core European market of the company. There was a lag in company operations, owing to the lack of strategic direction aside from that. Controlled by Ikea Company of Sweden, marketing strategy is made worldwide with limited changes and this is maybe a role in its current downturn of growth in sales. In case you need some other reports with reference to this topic, click to visit; Get your payday loan today.

Historically, Network Marketing or Direct sales MLM companies have experienced accelerated growth in tough economic conditions. You can research some very well known companies such as Mary Kay, Arbonne, Amway, NuSkin and Shaklee, just to name only a few, and see for yourself that they have strived in economic downturns.

moving on from that thought…

The external environment of Ikea is very much crowded with competitors of the company. That is the main reason why Ikea and its employees worked hard in order to enhance the growth of its sales. Since the competition is tough and current economic downturn exist, the company remained faithful to its promise to the customers.

Alternatives To Considering Bankruptcy


People who’re considering bankruptcy often hesitate for a range of reasons. They may be concerned about the long-term consequences like not being able to get credit or buy a house in the immediate future. However, for some people the shame that supposedly comes with bankruptcy is one of the primary concerns.

This mightn’t be your biggest concern with regards to debt relief, of course. However, it is a factor that stops many people from considering bankruptcy as a real option. To be sure, bankruptcy public records will be available for those who’re interested. When you’re looking into this topic; look at; short term loans kitchener ont.

Remember that bankruptcy isn’t the right option in every situation. However, it should unquestionably be considered if you feel overwhelmed by consumer debt. Ask yourself if you are able to pay off your debt in the coming years while maintaining a reasonable standard of living. If the answer is no, you need to consider bankruptcy and talk to a lawyer.

For example, if your debt problem is so big that you could not eliminate it after a few years by making changes in your budget, then you’re probably too deep in debt. Bankruptcy may be your best option and this situation.

What about your credit score, you might ask. Well, once again you’ve got to ask yourself how bad the situation is and then discuss your alternatives with a lawyer. If things are bad enough, then your credit score is the last of your worries.

You credit can be improved over time if you use your second chance to change your financial habits and instill some discipline in your spending.

You may experience some criticism from members of your own family or even close friends. However, this too needs to be taken with a grain of salt. Listen to their advice respectfully and consider it by all means. However, in the end you’ve got to do what is good for you and your family.

Ask close friends, and family members if they can take you out of a financial bind. This is a great way to avoid bankruptcy. Hurting your credit score. Just make sure that you have the intention of paying them back. Devise a budget plan, with them. Pay them off every month just like a bill if you’ve got to.

The bottom line is that bankruptcy public records aren’t the ending of the world. Some people may find out, particularly if you reside in a small tight knit community. However, you should think mainly about your family’s financial future and discuss things carefully with a competent lawyer.

How Could You Know…

Dealing With Being Short On Cash


Laying your hands on short term cash to cope with temporary cash needs isn’t a daunting task at all with the easy accessibility of short term cash loans. These loans will provide you the ultimate financial resort to get out of urgent financial crisis. Make sure you visit : payday loans in canada.

Short term cash loanswill provide you monetary assistance for any kind of cash needs. You can make utilization of the money to repair your car, cover unexpected medical expenses or in the case of any other special event. There is no restriction on how you make utilization of the loan amount.

How could we forget about …

To apply for short term cash loans, you’ll just have to give a few details and you can get up to 1, 500. Within one month you’ll have to make the repayments. You won’t have to fax any sort of documents or undergo any credit check for approval. Plus, no collateral is obliged to be pledged to avail this loan. For anybody who is looking towards this subject; pay a visit to Pay Day Loan.

However, it is mandatory that if you wish to apply for short term cash loans you must be above the minimum age of 18, have an active checking account and earn monthly income of at least 1000. This loan can be used by the bad credit borrowers as well as no credit check is done for approval.

Short term bridging loanare termed as among the most reliable and flexible way to determine the required funds with least hassle. You can apply for this loan through online mode. You will just need to complete a simple online form to ask for this loan. Right after you have submitted the formula and get approval from the lender, the amount will be immediately transacted into your active checking account.

The short term loans are relatively easier to get unlike other types of loan services. All kinds of formalities and documentation works are based online. You just require to give some positive hits to acquire as much amount as you need. Just open your laptop and go to online web portals. You will find an online application form for the loans. Fill up the form as soon and then submit it right there.

Applying for short term cash loans will allow you to receive enough cash in a very short space of time span and fix financial woes in no time.

Looking For The Fountain Of Youth


Can we really stop, slow down, or even reverse the impact of aging? It is a mystery for which so many have searched to locate the answers to for years. Now, with advanced modern science making breakthroughs and discoveries every day, the answers have become apparent to the age-old search for the legendary fountain of youth. Click link: anti aging formulation.

The first serious inwards signs of the aging process are a waste of lean muscle tissue. Around 300-500 grams of this very special and important resource of the body starts disappearing each year unless one works hard to keep it. This loss of muscle mass has serious implications for the whole metabolism (the bodies engine) slowing it down and triggering a very long slow ‘shut down’ sequence of the human body. To go deeper into helps to reduce the appearance of wrinkles, take a look at that blog.

In large part, your everyday lifestyle choices contribute to the way you age and at what rate your body ages. The exercise and dietary regimen you choose affects the way you’re going to appear now and ten, twenty, and thirty years down the road.

Fountain Of Youth Conundrum

It’s no surprise your lifestyle plays a vital role in how your body age over the years, since we’ve always known exercise especially affects our energy levels, appearance, strength levels, vitality, moods, and a decreased risk of disease. Literally everything related to physical and moral well-being is determined according to what you do and do not do for years or decades before you reach middle age.

Despite all of the quest for a myth, perhaps in some mysterious stream hidden in some obscure region of the world the fountain of youth can actually be found inside ourselves. It is not something that we are able to drink like medicine but something that we do, believe, an attitude, a way of life and we put it into practice throughout our lifetime.

This approach starts with the positive outlook of doing everything possible to stay young. It doesn’t matter what your age is in years the big question is how do you look, feel and perform? With recent research we now know it’s possible to improve almost every aspect of your body-bone mass, muscle, long and short-term memory, healing time, organ function and regain a youthful appearance.

We now know we can manipulate the hormones that are accountable for the change in metabolism to enjoy an extended youth. Now it is possible to improve almost every aspect of your body muscle strength, bone mass, long and short-term memory, healing time, organ function and regain a youthful appearance all by changing metabolism and body chemistry.

It is so much better to take measures to keep the body functioning properly by getting and staying strong rather than trying to cope with the underlying causes of aging. Much better than by taking each symptom and taking some drug or medicine in the expectation that it will restore health. It cannot and won’t.

If we wish to really find this fountain of youth each of us must take responsibility and do what is necessary in order to stay well rather than wait until we get sick. By then it is probable that multiple problems are simmering away under the surface.

The most important we can do to avoid this it to start and continue a proper exercise program that contains at least 60% strength training exercise. This is the single type of exercise that is intense enough to foster the necessary hormones to restore, repair and rebuild systems and organs at a cellular level. Other types of leisure activities as walking, cycling etc are great to add into an active lifestyle but can never ever replace a proper exercise program.

This is all possible with the proper exercise program that contains at least 60% strength training exercise. Don’t expect these sorts of results from low intensity activities such as walking or cycling etc. These are great to add on to an active lifestyle but can never replace a proper exercise program to prolong youth.

If this idea of this simple solution to beat off Father Time with a big stick appeals to you get your exercise program, established by a fitness professional. This will ensure that you have the best instruction and advice so you can have your results quickly.

Make sure you’ve got the right help from a fitness professional to ensure your program is set up correctly and you’re taught the correct strength training exercise technique, duration, frequency, and intensity. This will ensure you get the maximum results in the shortest possible time.

Most people would recognize that the quality of life is just as important as the period of it. We don’t have to deteriorate and break down with age like a car or a building.

What would happen if you selected to think young again and discovered an entirely new area to explore within your world that gave you something to look forward to every day, as your new exercise program? Your emotional health would begin to heal and from there, your physical health would be positively affected as you become stronger and younger.

Accept this new challenge, as maybe your life just needs a little rejuvenation. Having something to look forward to that makes this possible adds sparkle to life. Hope is an attitude without age limitations and is the true fountain of youth. The power is inside you to think young and therefore restore your youth all over again, now get the ball and go for it.

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Compound Annual Growth Rate – Your Choice

Einstein is often exaggerated as stating ‘The most powerful force in the universe is compound interest’. Einstein may not have really stated this, but he was aware of the advantages.

When it pertains to successful long-lasting investing, compound interest is potentially the most essential principle you need to understand. When you make interest on top of interest, compound interest is. If you invest $1,000 in an account with a typical annual interest rate of 10 %. After one year you will have $1,100 in the account. Now you would anticipate that after two years your account value would enhance to $1,200. However, you would be incorrect. The 10 % interest is in fact applied to the $1,100 you have in the account. You will in fact have $1,210 after two years.

Unlike possessions held in certified accounts such as 401k plans or individual retirement accounts (IRA), possessions held in regular individual or joint accounts are not tax-deferred. For such non-qualified accounts, after-tax return is the return understood after representing taxes.

If the above figures were not unusual enough, below is how $1,000 would grow, if it was conserved at different rate of interest over different time periods.


The figures above show that over the first 5 years the different interest rates do not create a big difference in returns. In truth the difference in return between the 5 % and 15 % rate of interest has actually been just $735. The longer you invest, the greater the returns and the higher the effect of the interest rate. So after 50 years the difference in returns in between a 5 % and a 15 % interest rate is over $1,000,000! This is the power of compounding.

Now, I bet you’re believing ‘That’s great, however, no bank account pays a compound rate of interest of 10 % not to mention 15 %’ and if I had a Dollar for each person that thinks this I would currently be a really rich guy. The point is– yes, you will struggle to discover a financial account that pays this much interest, therefore you could have to be a bit more creative in exactly what you invest in. To do this I suggest you talk to a qualified financial consultant.

Others could raise the problem of inflation. Inflation can be specified as the steady rise in rates gradually. It is why a Mars Bar now costs $1 instead of the 50 cents 15 years back. Inflation is frequently overlooked by fans of Compound Interest, maybe this is since they just wish to hear the good news, the fact is though it cannot be overlooked and have to be taken into account.

What would have occurred to the $1,000 example above, if we had an interest rate of 10 % and an inflation rate of 3.7 % (this is the USA 30 year average in between 1980 and 2009). Fortunately, yes, you would still have $17,449 in the account after 30 years. In terms of acquiring power it would just purchase you the equivalent of $5,870 today. This is what economists refer to as the Real Value.

Finally, I leave you with another possible misquote ‘Compound interest is the 8th wonder of the world. He who understands it, earns it… he who doesn’t… pays it.’– Einstein. The authenticity might be in doubt, but it does sound good.

The Facts About International Business

It is a big world out there and your small company could find a way to record some of the customers that are simply waiting to become aware of you and your products. Do your services or products lend themselves to ‘overseas’ trade? If they do, then maybe it is time for you to find out how you can benefit from all the opportunities, just waiting to be won.

International trade is a kind of business activity that occurs in between the traders of different countries. This kind of trade practice is not restricted to the boundaries of any country and the products and services are sold to the overseas traders. Business activity in such trading takes place on an international platform in addition to dealing in the huge bulk of products. Basically numerous transport modes are used in such trade, which includes air transportation and water transport.

International trade can be categorized into 2 kinds of business, i.e. export trade and import trade. Both these business activities are contained an international level and allow the around the world traders to exchange services and products in bigger amounts. In export trade, a company from a particular nation sells its products and services to the traders in another country. Whereas, Import trade is a business activity where a country purchases commodities and services from a trader of another nation.

More Info About International Business

There are many problems in international trade as it is an international trade and lots of research is to be done prior to entering into trade with any business. Thus, to simplify the activities on international business, numerous B2B portals have actually risen. These websites include the list of prominent traders, consisting of exporter, provider, importer and maker. The B2B directories make it possible for the traders to promote and advertise their products on an international level.

International trade is one way to find exciting and new markets for your business and a way to broaden and find new customers or suppliers. For many years, I have actually worked with lots of businesses that have seen their sales skyrocket due to the fact that of the new markets they have discovered in other countries. Some of the products they import have actually assisted the business owner minimize expenses, by doing away with the intermediary.

There are a number of government programs to help the small business owner with export business. The Small Business Administration (SBA) has workshops and loan warranties that can help you figure out how to begin and even finance your sales. There is also the Export Import Bank of the U.S. (EXIM Bank) which offers different direct loans to exporters. A large number of banks have International Banking departments that can help you get started too. Banks offer products like, commercial letters of credit, trade finance, foreign exchange and international wire transfers, which all can help you execute your foreign deals. Many states, and numerous towns, have foreign trade offices to assist, facilitate trade with regional business and foreign purchasers and sellers. They sponsor trade missions to specific countries and workshops about international trade and other related occasions, to assist develop awareness of the State or City in which they are founded.

You need to begin to ask questions of others who already have an abroad element to their business if you have any interest in this kind of business expansion. Make a visit to your bank’s international department to discover what they provide. The bank will certainly likewise understand what resources are readily available in your city, county or state. Get on the web and do as much study as you can then start to address your sales team and suppliers to acquire more details and input.

Establish an advertising strategy to take your business to the world as soon as you have actually obtained as much info as you can. If you wish to export, discover only one or more of the most appealing countries and focus on those markets to start with. Broaden as you find success and gain familiarity with the idiosyncrasies of doing business around the world. You could discover it enjoyable and rewarding to broaden your business outside your established market. Be prepared to take a trip. Like any consumer you currently have, most foreign business owners wish to meet and welcome their suppliers or customers. The majority of business people in the world run quite as we do here in the USA. International business could not be for you, but it can be an enjoyable difficulty and very fulfilling. Good luck.

The Latest On Compound Annual Growth Rate

I want to talk to you about two kinds of investing and the best ways to measure their performance. The first one varies investing, which is anything that can fluctuate in value. Incorrectly that commonly gets measured in terms of average rates of return. Then there is compound interest and it just develops interest every year. Let’s look at the distinction between these two and their potential.

The figures above show that over the first 5 years the various interest rates do not produce a big difference in returns. In fact the difference in return in between the 5 % and 15 % rate of interest has actually been just $735. Nevertheless, the longer you invest, the greater the returns and the greater the effect of the interest rate. After 50 years the difference in returns in between a 5 % and a 15 % interest rate is over $1,000,000! This is the power of compounding.

Interesting segue…

Albert Einstein was accredited with saying that compound interest was the most powerful force in deep space.

While On The Topic Of Compound Annual Growth Rate

So how does compound interest work? You have three things that are happening with compounding interest. The first is your principal, the second is your interest rate, and the third is the interest that you earn on the saved interest each year. It’s compounded interest because you’re folding the interest or compounding it back into the principal amount. Each year, not just does your principal grow, but so does your interest.

The Rule of 72 is an essential formula. You must not even be talking or investing about average rates of return up until you fully understand the Rule of 72. You are going to see how every time compounding interest beats the performance of the stock exchange over the long run.

With the rule of 72, you take any interest rate, and divide it into the number 72. The answer shows you the number of years it will certainly require doubling your money.

Let’s take a 6 % rate of return, we divide that into 72 which informs us the number of years it will take to double your money at 6 %. In this case the answer is 12.

We have somebody, 29 years old, they’ve inherited $20,000 from Grandma, and they are going to earn 6 % on it every year.

Excellent? Bad? Well, it’s all relative, however the point is if you understand the Rule of 72 you would understand precisely at age 29 what your money is going to look like at 65.

Now let’s take a 12 % rate of return and see exactly what that appears like if we divide that into 72, and the number of years to double our money at 12 %. It’s 6 years. Right, here’s the same scenario.

At age 65 you’ve got $1,280,000 from the base quantity of $20,000! That’s eight times more than at 6 %. If you double your rate of interest, you do not simply double your net. Your internet after 36 years is 8 times more. Compounded interest can make a big distinction in your results.

Compound interest is possibly the most vital concept you require to comprehend when it comes to effective long-lasting investing. Compound interest is when you make interest on top of interest. If you invest $1,000 in an account with an average annual interest rate of 10 %. After one year you will have $1,100 in the account. Now you would expect that after two years your account value would increase to $1,200. You would be wrong. The 10 % interest is really applied to the $1,100 you have in the account. You will actually have $1,210 after two years.

Now that you understand how interest is compounded, I want to compare this to average rates of return. Whether it’s correct or not, rather typically average rates of return are made use of in promoting and assessing stock and shared fund performance.

Take 20, divide by 5 years, and we have a 4 % average rate of return. And the numbers above are not representative of specific years for the stock market.

If you had an initial financial investment of $1,000 with an average rate of return of 20 % annually, how much would you have at the completion of 2 years? $1,440? $1,280? $800? Or $0? Think about that for a minute and determine your answer.

You had $1,000 and it makes 20 %. At the end of the year you had $1,200? Then you take your $1,200 and you get 20 % on that, and you’ve got $1,440. That’s probably exactly what you were believing.

Unfavorable 50 % plus 100 % amounts to 50 %, and if you divide that by 2 years, that’s a 25 % average rate per year, yet you haven’t made any money.

Let’s talk about the S&P 500 since it’s an index that’s fairly diversified. It stands for a robust picture of the entire economy.

You have actually typically heard that the stock exchange is your best long term investment. But take a look at exactly what occurred because March of 2009 and put it in the larger photo of 11 years of performance in the S&P 500.

All that’s really happened with this record breaking growth since 2009, is we have actually barely returned to where the market was 11 years earlier. Over all of these years, the marketplace has had an average rate of return of 3.01 %.

If you add up from 2000 to 2011 all the growth and contraction numbers, we get 33.06, we divide 33.06 by 11 years and we end up with 3.01 %, which is the average rate of return. The S&P in 2000 was 1366 and in 2011 it’s at 1319.

With an average rate of return of 3.01 % and investing $100,000, you need to have $138,571 at this point after 11 years of that compounding growth. Your real dollar return on $100,000 in this index over this 11 year duration is not up, it’s down, to $96,594 after 11 years in the market.

While Fidelity Contra has a compound annual return of 6.21 % for the 5-year period ending December 31, 2005, Morningstar reports the average large-cap growth fund has an average annual loss of 8.48 % over the same duration. The S&P 500 index has an average annual return of 0.54 % over the exact same period. Fidelity Contra has actually outmatched with a relative return of 14.69 % over the average large-cap growth fund and with a relative return of 5.67 % over the S&P 500 index.

Well, you understand exactly what? It’s not actually rocket science and when we reveal you how it’s done, you are most likely going to put your head. It’s simpler than you think.

Dollar Cost Averaging: News

The recent financial chaos experienced in the United States and worldwide is actually frightening many investors out of the market. With the US stock exchange losing roughly 50 % of its value in a relatively brief time period, numerous investors have actually totally sold their holdings looking to maintain whatever they had actually left. However, even in times like these the sensible investor can still benefit when the market is down.

Why it is worth your while in a bear market. Of all, when the market drops, the investor practicing dollar cost averaging isn’t really hurting as much as the lump sum investor as the lump sum investor holds numerous more shares of the declining fund or stock.

And, to broaden this topic..

Possibly most significantly, you remain invested. Dollar cost averaging gives you a routine, passive investment strategy rather than market timing. In an unstable market, the active investor can quickly end up being a disappointed casualty of his or her impulses and foolishly desert shop.

Dollar Cost Averaging, Really?

You may call this a tortoise-and-the-hare example. The active investor dashing all over the place for amazing gains is the hare; you, with dollar cost averaging, emulate the tortoise. It could not be the sexiest method to invest, but in a down market, it is a long-lasting technique well worth thinking about.

You no doubt have actually heard that you should buy low and offer high if you have ever invested. That’s good advice. You have also heard that you ought to purchase and hold your investments over the long term. That’s also good advice. It’s good advice since the stock exchange has, historically, raising over any 10 year period in its history. You are simply about guaranteed to recognize a profit if you purchase a stock and hold it for 10 years or more.

The idea behind dollar cost averaging is to invest brand-new money without needing to time the marketplace to discover the best entry point. As you will be investing at various times in the marketplace, you will certainly have the ability to purchase investments at different prices and reduce your total cost and optimize your profit capacity. You will buy more systems when the price falls and fewer when the price rises if you invest a set amount regularly monthly in a particular stock. This feature of dollar cost averaging assists serve as a buffer for market fluctuations. Sure, the value of your investments falls when the stock falls, but you also bought more shares of it when it was lower. Then when the share value increases, you have more shares with which to profit.

How does this work almost? Let’s take a look at an example. You have $1200 to invest. You decide to purchase XYZ stock which is trading at $13.55 per share. You have 2 options. Invest all $1200 in a lump sum purchase or buy increments. say $100 per month for 12 months. , if you selected to invest in a lump sum you would have bought 88.56 shares at the original price of $13.55.. After twelve months the value of your investment would be $1,244.28 for a profit of $44.28.

If the marketplace varies as is generally the case and you elected to invest incrementally, you would have bought 100.04 shares and the ending value would be $1,405.50 for a profit of $205.50. See the table below. In this situation, dollar cost averaging exceeded a lump sum investment to a total amount of $161.22.

If you had invested $100.00 a month over the same 12 months, you would have purchased only 98.13 shares of XYZ and the ending value would be $1,437.56. In this case a lump sum investment would outshine dollar cost averaging to the tune of $320.44. Truthfully, how frequently do you see an investment boost in value for 12 successive months! Typically, the marketplace varies from day to day, week to week and month to month. Change in markets is what makes dollar cost averaging work and a wise choice as an investment method.

There is a factor virtually all financial experts do not recommend attempting to time the market. It is practically impossible to do and usually beyond the capabilities of the average investor. Even if we might time the marketplace, the average investor does not have the time or resources to be effective. When markets fall, we need an investment technique that permits us to enjoy the benefits of increasing and fluctuating markets and that also tempers our losses. Dollar cost averaging accomplishes both these goals and has to do with as close to an investment autopilot as you will certainly discover. Still, the smart investor will monitor his investments and make changes as required.

When you plan your next investment, think about the benefits that dollar cost averaging could have for you.

The Facts About Nasdaq

The New York Stock Exchange (NYSE) is the largest stock exchange around the world with a combined capitalization of NYSE is $25.0 Trillion. Over 2, 700 securities are listed in NYSE. This is a physical location exchange with own building, a small number of members and an elected governing body. Although everybody stands up, members are said to have seats on the exchange. The 1, 366 seats, which are bought and sold, give the holder’s right to trade on the exchange.

The New York Stock Exchange is a modified auction market, where buyers and sellers trade securities of listed companies. NYSE is open on all normal working days, from 09:30 to 16 :00, with the members meeting in a big room equipped with electronic equipment that enables each member to contact the firm’s offices throughout the country. Special facilities are available to institutional investors such as mutual funds and pension funds, so that they are able to sell large blocks of stock without depressing their prices. In fact, brokerage houses that cater to institutional investors purchase blocks of 10, 000 shares of more and resell the stock to other institutions or individuals. In addition, when a house has a special announcement that is likely to have a significant change in the stock price, the brokerage house asks the exchange to halt stock trading until the announcement is made and evaluated by investors.

Digging Deeper into Nasdaq

The term ‘NASDAQ’ actually came from the name of a specialized stock market born in 1971. It was the first fully electronic stock market as well as the first in the United States to advertise to the public. It is primarily composed of the stocks of technology companies. The NASDAQ that we generally read about these days is actually the NASDAQ Composite Index. This is simply a measurement of all of the stocks that trade on the NASDAQ stock market. As previously mentioned, they’re mostly technology stocks. This makes the NASDAQ somewhat more specialized than the S&P 500, even though it is composed of over 3000 separate stocks.

The National Association of Securities Dealers Automated Quotation System (NASDAQ) is the largest stock exchange around the world in terms of daily traded volume with 3, 200 listed securities. NASDAQ is a self-regulatory body that licences brokers and oversees trading practices. It isn’t a physical location exchange, but a computerized network, with no members and no governing body.

NASDAQ started as a quotation system, but over time it has grown to become an organized securities market with its own listing requirements and 400 market makers, who market the stock and are accountable for its liquidity. It allows multiple market participants to trade through its Electronic Communication Networks (ECNs) structure, in the pre-market trading hours (7:00-9:30), market-hours (9:30-16 :00) and after hours (16 :00-20:00).

Not all securities trade through the NASDAQ system. NASDAQ operates the Nasdaq National Market list, where the larger NASDAQ largest stocks are listed Microsoft etc), (Intel, and the Nasdaq SmallCap Market list, where small companies with high growth potential are listed. NASDAQ also operates the OTC Bulletin Board. This lists quotes for stocks registered only at the Securities Exchange Commission (SEC) and not on any exchange. Also, NASDAQ operates the Nasdaq Pink Sheets, for stocks not registered with the SEC.

In order to be more competitive with the NYSE and the international markets, NASDAQ has merged with the American Stock Exchange (AMEX) in 1998 to form an organized investment network. Although this network is still referred to as NASDAQ, securities are traded separately on the two markets.

Robot – Just The Facts

The main purpose of automation robotics is to maximize the work that has to be done in order to effectively complete the tasks required to manufacture products. Automation robotics has special purposes, to reduce the amount of time, energy, and effort that is needed in order to produce a product. It is likewise needed to reduce the number of waste of raw materials and rework of products that aren’t completed to specification. Tasks of automation robotics also include the maximization of quality in products that are finished and security that is required in producing them. The definition of automation robotics isn’t as important just as the understanding of how to implement it to operate in a manufacturing environment with the goal of making products in the most cost effective and safe way as possible. An engineer who’s responsible for creating an automation scenario for a manufacturing company will draw from his knowledge of how robotics are used to accomplish tasks and his ability to apply robotics in an economical way to create an automation solution.

Production of automobiles: In the last few years auto assembly plants have been more influenced by the robots than any other industry. Hundreds of robots working fully automated production lines are employed by some corporations, thus replacing humans at a rate of ten to one.

News About Robot:

Least complex of the robots in industrial applications are those that do lifting and placing. These devices are the ones that do loading and unloading, pick and place, material movements, and palletizing.

To widen the discussion about robot)…

The ability to move heavier loads and work in unseemly surroundings are characteristics of these machines. Sometimes these devices replace unskilled labor and usually require low maintenance.

Digging Up Secrets About Robot

The next level of complexity in robots is occupied by the industrial application devices. These do tasks like spray painting, arc, and spot welding, tasks that are usually done by skilled labor. A lot of these tasks are detrimental to humans because of dangerous exposures that are generated. This type of device requires the ability of servo or spherical control in order to carry out their assigned tasks. These robots can use training to get their work defined before they’re put to the automation tasks. In some cases sensors are employed to help give them consistency in their work. Robotics of this kind are very good at cutting operating costs and to enhance the quality of products that come off the production line.

Looking at the highest level of complexity in robotics you can view the devices that perform tasks like assembly of products. Consistency and repeatability are high virtues of these devices. Tooling that is at the close of the arm of this devices has the ability to be highly precise in placement of pieces in their proper places. These can make minor adjustment in their work to meet the demands of putting products together correctly.

Since it is the job of robotics to optimize the work with regard to the production environment, it is important to identify what tasks can best be done by robotics and what task should be best left to human accomplishment. If two tasks in manufacturing are very similar in characteristic, it’s much easier to let a robotic move into the new operation, if it similar to an operation that the robotics has performed earlier. The less similar two jobs are the more probable that a human could make an easier transition to the new task. Human abilities accumulate over a lifetime, while the robotic has to initiate a new task from zero experience and will need extensive training to accomplish it. Robotics don’t have any inherent characteristics like humans do. Some humans will better at some tasks rather than other tasks, while different robotics begin a given task compared to the same starting point that has zero knowledge or ability.

In deciding whether a human or a robot should do a certain manufacturing task there are a few possibilities that might help to guide you to a decision. If the task is too complicated for a robot to perform within economic reason, then the task should be left to a human to do. A robot would win the opportunity to perform a task if the job was too dangerous for a human to do, or space or other special considerations come into play. If a robot can generate lower cost, better consistency, better quality, or other positives then the robot would win the job.

There are definite decisions that you must make when you’re deciding to put a robotic to work at the site of a human. Even the possibility of labor shortage would be a ground for putting a robotic to work.

Stock Market – Making A Choice

There are so many website today containing stock market content, it is easy to get lost in a sea of information. It’s time to cut through the clutter and to know what really makes the live stock market work and the driving forces in play.

The first thing you’ve got to realize about the stock market content is that it is driven largely by the actions of uneducated investors. For instance, many people often times will purchase a stock based merely on speculation that it is a question to rise, or that oil prices are going up or down, etc.

Prices of stocks are largely driven by the yield and potential of the business it represents, demand-supply ratio for the stock and investor speculation. As demand for a stock rises, its price rises. On the other hand, as the call for a stock lessens, its price falls. Ergo, one could say that investor sentiment about the future performance potential of a stock and speculation are large driving forces that affect the stock prices.

Often times, these factors really have nothin’ to do with the companies overall profitability, and more to do with the economy as a whole. Unfortunately, uneducated investors will usually make their investment decisions based on how they perceive the economy to be doing, and not their particular company.

There are many factors that can be weighed when looking at potential investment opportunities according to Andy. An investor should look for companies that are reliable outside of being interested in your investment. Reliability can be assessed by the age of the company, the competitors of the business, the president’s letter to the stock holder ‘s, whether or not that society is a monopoly, and the future outlook of the company. The age of the company matters because if a company has been in existence for a long time and hasn’t had too many price drops, then you will be aware that this company should be around for many more years to come. When researching a company, a potential investor should compare and contrast the rival companies to his/her potential investment. It is also essential to read the chairman’s annual letter to the stock holders to see what sort of organization the company has. A rule of thumb is that if you are not able to understand the Chairman’s letter, then you should immediately scrap the investment. Another factor that should be weighed is to establish whether the company is a monopoly or not. If so then this investment is probably fairly good because no other company can do anything your company does. For example, Google, Inc. is currently a monopoly of the stock market. No other company can do what Google does or its stock wouldn’t be over seven hundred dollars per share. The final factor that needs to be weighed is the future outlook of the company. If a company has many good ideas that may result in an increase in its earnings, then it’s a good investment.

New investors also need to get to ask themselves, Is it worth the risk? Is the company a good buy? And have I done enough research? If you answer no to either of those questions then you need to consider your potential investment and look at other options. When evaluating your company you can also look for patterns in a society’s historical prices chart or graph. If you find a cycle that occurs more than twice, then it is probable that the cycle is continuous and you should watch for particular parts of that cycle to occur. For example, say a company’s stock is always about twenty dollars in February but by September of that year is has reached thirty-five dollars, and then slowly drops back to twenty dollars the following February. Perhaps you should consider buying the stock in February with the intention of the observance of the stock until September.

In evaluating the stock market, I have found that there’s no specific good or bad time to invest. It is the right time to invest when the price of the firm you wish to invest in is equal to or below the price you’re willing to pay. I have also noted that if beginning investors follow Andy’s guidelines for evaluating a stock, then they should be successful.

This is the main reason for the market crash in 1929 and it is the reason for every market downturn since. When uneducated investors get into the market, they tend to act as a ‘herd’.

In other words, when the financial analysts are saying to buy, they all act as one and often times buy, driving the stock exchange prices up even if a corporation is not doing particular well financially. Likewise, everybody could sell in a chain reaction to some news relating to the economy as a whole that really does not have nothing to do with the particular company they’re holding.

In both scenarios, the stock market is either severely over or under-valuing a particular company, with little relation to its’ actual profitability. This is the nuts and bolts of the way in which the market works.

Keep in mind: short term, the stock market tends to severely over or undervalue a company due to a number of factors, often many of whom had nothing to do with the corporation: however, long term it always value the company according to it’s earnings and actual profitably.

So what’s the lesson in all this? Don’t follow the crowd. Instead, take the time to educate yourself on how to interpret a companies’ financial statements, and determine how profitable that particular company is.

Only once you have determined this and made sure a corporation is a least reasonably profitable should you even consider investing with that company. The most important factors to read up on for the business in question is their profit margin, net profits, debt levels (obviously the lower the better), and probably most importantly, how long they’ve been turning a profit for.

Very simply, if a company has only been making money for the last two or three years, they probably aren’t a great company to invest with, because they have not proven they can be profitable for the long term. Try to find companies that have exhibited good profit levels for a period of at least 10 years, and preferably longer.

Having stock means owning a portion of that company; in this way when you purchase stock, you can said to be a ‘shareholder ” of the company (in the event of a fund, the fund would be the shareholder). As the company earns money, so do you; because you own a piece of the company, your share goes up in value with the worth of the company. People buy stock in order that they may either resell it later at a higher price or collect the yearly dividends that many profitable companies pay out annually. Buying a stock with the intent to sell it shortly after for a profit is a case in point of speculative investing. Even a long term investment on a basket of profitable companies will usually yeild an investor higher returns than a savings account of dividends alone.

Finally, the best places to search for a stock market ticker and information is probably on the net. You can get up to the minute stock information online. It’s becoming increasingly easy to invest your money online as well. This, in a nutshell, describes the stock market content and how you need to direct your investing decisions.

Down The Organizational Behaviour Rabbit Hole

Like every person has his own style of behavior, his own personality, similarly the united nations has a distinct culture.This culture may be defined as a combination of all the espoused values of the organization.

Assumptions and Beliefs. They cannot be actually seen. However, they’re so well ingrained in the employees that they come out quite naturally as it is the way the organization thinks.

These are the strongest held components of culture as they’re not influenced, but are evolved and affect behavior and values of employees of an organization. Thus these 3 components make up the personality of the united-the organizational culture. An organizational culture is the outcome of both the management’s initial beliefs and employees’ adoption of those beliefs.

As we can see, the unique ‘behavior’ of an organism can be due to the makeup of the values that it espouses-the organizational culture. Let us understand these primary characteristics that define an organization culture as a whole, the ones that help shape up the organization’s ‘personality’.

Digging Deeper into Organizational Behaviour

These are very general characteristics that every organization would be required to look into, otherwise the culture would seem incomplete. Although all these characteristics are at some level a part of any company, the importance and individual interpretation of each differs from business to business, thus making each business unique in its own way. There are 7 primary characteristics that belong to an organizational culture. They are listed below.

So how is organizational behavior in small business important? Often it has been seen that the small business aren’t equipped to recover from any adversity that has occurred, owing to a major calamity or disaster. The owners of the little businesses, not having the resources of large corporations, have to sell off, face tough decisions to stop their business. They even face difficulties in reopening their business.

Disasters are man-made and natural. A recent data shows that natural disasters affect more than 30 per cent of the small business and 10% small business has been affected by man-made issues.

Risk and returns go hand in hand. Places where you take a risk (calculated risk of course!), the chances of returns are higher. Same goes for innovation. You could either be a follower or a pioneer. Pioneering has its share of risks. However, at times it can likewise have a breakthrough outcome for the organization. Thus, innovation and risk taking is one of the most important characteristics of organizational culture defining how much room the business allows for innovation.

The researchers also noted that a person’s perceived degree of control at work also influenced risk. But it had differing effects for men and women. Men who said that they were allowed freedom over their daily tasks and could take more initiative at work had a lower risk of dying during the study period. But women who reported more control had an opposite outcome: Their risk of death during the course of the study rose by 70 percent.

Attention to detail defines how much importance a company allots to precision and detail in the workplace. This is also a universal value as of the level of attention the employees are supposed to give is essential to the success of any business. The management defines the degree of attention to be paid to the details.

Some organizations pay more attention to results rather than processes. It is really the business model of each business that defines whether emphasis should be placed on the outcome or the processes. This defines the outcome orientation of the business.

This is still one of the more contentious issues in organizational culture today. How much ought to be the management focus on the people? Some organizations are noted for being employee oriented as they focus more on the establishment of a better work environment for its ‘associates’ to work in. Others still are feudal in nature, treating employees no better than work-machines.

It is a well established fact today that synergistic teams help give better results as compared to individual efforts. Each organization makes its efforts to build teams that will have complimentary skills and will effectively work together.

Every organization also lays down the degree of aggressiveness with which their employees work. Some businesses like Microsoft are recognized for their aggression and market dominating strategies.

While some organizations believe that constant change and innovation holds the key to their growth, others are more focused on making themselves and their operations stable. The managements of these organizations are looking at ensuring stability of the company rather than looking at indiscriminate growth.

Employees affected by favoritism see no career growth in the organisation and in turn lose interest in the company’s growth.

Organizational culture does give a business its own special identity just like having a strong personality adds character to a person. It helps create cohesion among the employees as they share the primary characteristics of an organizational culture and imbibes in them the minds of team work.