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In the current age we live in, technology has become an important component. Every day there is some new gadget or software that makes lives easier and improves on the technology and software that already exists. Making lives easier is not, however, the only role technology plays in our lives.

Technology is playing an increasing role in education. As technology advances, it is used to benefit students of all ages in the learning process.

Technology used in the classroom helps students adsorb the material. For example, since some people are visual learners, projection screens linked to computers can allow students to see their notes instead of simply listening to a teacher deliver a lecture.

Software can be used to supplement class curriculum. The programs provide study questions, activities, and even tests and quizzes for a class that can help students continue learning outside the classroom.

Technology has also become part of many curriculums, even outside of computer and technology classes. Students use computers to create presentations and use the Internet to research topics for papers and essays.

Students also learn to use the technology available to them in computer and tech classes. This ensures that after graduation they will be able to use the technology in a work setting, which may put them ahead of someone who didn’t have access to a particular technology or software in their own school setting.

As technology advances, students have better access to educational opportunities like these. When something new and “better” is revealed, the “older” technology becomes more affordable, allowing it to be used in educational settings, even when schools are on a tight budget.

Technology has also advanced to help children even before they’ve started school. Educational video games and systems for young children helps them prepare for school and in some cases get a head start on their education.

There are people who may say children are “spoiled” by technology. Instead of being able to add a long column of numbers in their heads, for example, they turn to a calculator. Regardless of these arguments, technology is an important part of today’s society. By incorporating it into the classroom, students will be better equipped to transition from the classroom to the work place.

The term “financial skills” covers a range of activities that a professional buyer or procurement executive needs to have if they are to deliver value for money and manage commercial risk for their organisation. However, these skills are not always covered by conventional training which means that a buyer could be creating needless exposure both for themselves and their career as well as their organisation.

There are six financial skills that everyone who works in procurement should acquire.

1. Financial analysis – this covers the use of financial ratios that enable you to identify suppliers who are under performing compared to their competitors or who might be financially vulnerable and so create a supply risk for you. Ratios compare one financial value with another in order to give you an insight into the way that supplier is run. For example, liquidity ratios look at the ability of a supplier to meet its short-term financial obligations by dividing the value of current assets (such as cash and inventory) with the value of current liabilities (such as creditors). Other ratios tell you how efficient the supplier is in turning sales into profit, generating sales from the use of assets and its ability to grow.

2. Activity based costing – this is a method that takes all of the costs of an organisation and assigns them to the products or services that the supplier sells. The big difference between this approach and more conventional costing methods is that it first allocates costs to the activities that create those costs and then to products or services in direct proportion to the amount of those activities that they use in their production or service fulfillment. What this means is that you get a clearer picture of the true costs of making a product or delivering a service than you get from conventional means. The importance of this for the buyer is that they get an understanding of what drives costs and so what actions suppliers can take to reduce them which in turn lets them reduce the price to the buyer and still make an acceptable profit.

3. Understanding profit and loss accounts and balance sheets – the profit and loss account shows a buyer a summary of all the transactions a supplier has made in a period of time (such as a year) with the resulting profit they make and the balance sheet is a snapshot of the financial position of the supplier at that point in time. Accounting policies that the supplier adopts can make a big difference to the declared profit; for example, a supplier can choose how much to charge each year to the profit and loss account for an asset it has bought and this can have a major impact on the profit in any one year. Knowing what accounting policies a supplier uses can help a buyer to understand their accounts and so make sure that the financial ratios that are used to get an insight paint an accurate picture.

4. Understanding cashflow – the lifeblood of any organisation is its cashflow as it can only pay its bills on time and remain solvent if there is cash in the bank. It is important to understand that this is not the same as its profit. For example, if you sell something for $100 now and give your customer 14 days credit then you will not physically receive the cash for another two weeks. If you have bought materials that have been used to make that product and your supplier has given you only 7 days credit then you will have to make a payment to them before you receive the cash from your sale. If you do not have the money in the bank then you may be in difficulties. Understanding the concept of cashflow and how to calculate and analyse it is an important tool in predicting the solvency of your suppliers and their vulnerability.

5. Understanding break-even analysis – this technique calculates the level of activity your supplier needs to have if it is to break even. Levels of activity above the break-even point result in a profit for your supplier and levels of activity below it means your supplier is operating at a loss. The importance of knowing this figure is in negotiations. If your supplier is already above its break-even point and has included your current level of purchases in its calculation, then any further business from you will provide a “super profit” (that is, profit over and above its expected amount as their fixed costs have already been covered). You should be able to negotiate a price reduction based on this information.

6. Price and cost modelling – one of the key questions that procurement people ask of themselves is “am I paying the correct price for this item?”. Price and cost modelling helps to answer this question. Price modelling involves comparing the price you pay against some yardstick of reasonableness such as the price paid last time or a benchmarked price. Cost modelling goes further and is a technique in which you build up an understanding of the cost of the materials, component and other costs that go into the items production or delivery (if it is a service) so that you can assess whether or not they are reasonable and whether the subsequent profit is fair.

There are some instances where travel agents can travel for free, but for the most part they do come out of their pocket. Below are three instances where travel agents can rack up extra savings and put money back into their pockets.

I will share my savings experience as a home-based agent, which has caused me to save hundreds of dollars!

Get Paid on Retail or Sale Pricing

When I travel as an insider, I get paid when I book travel for myself (and of course I get paid when I do it for others). The price I pay could be the same as any one that is not part of the industry, the difference would be I get a check and you don’t! Commissions are already built-into the price of what you see online or what your travel agent quote you already has the commissions built-in. (they are never in addition to price quoted, if you are told extra fees need to be added to cover commission… run)

Travel at Net or Wholesale Pricing

Now, if I decide that I want to travel at a lower cost and forgo my commission, I still have to pay the net cost, I just would not get paid for the trip. You can get travel at great bargains if you travel this way!

But, I must add that various agencies may have ‘special’ discounted trips that agents can take for themselves or sell to their clients and STILL get a commission! I love these because your getting paid AND the rates can be even better than net rate PLUS you have a great deal you can offer to your clients. Only downside is that there may be a limit on how many can travel and restricted to specific dates.

Travel on the Industries Dime

What about those really dirt cheap trips? Yes, dirt cheap destinations do exist and are exclusive for travel agents and are typically known as FAM trips or Familiarization trips. These trips are more educational for travel agents and teach agents about the property or destination experience they are visiting.

Vendors invite agents on these ‘FAM’ trips so they can get more in-depth knowledge to share with their clientele. The goal is to promote to get more bookings for those properties or destinations. Prices for these trips are such a steal that they might as well be free!

Just to recap, travel agents pay for their trips in four ways:

1. Travel at retail pricing & get paid the already built-in commission

2. Travel at retail minus already built-in pricing (therefore no commissions are paid)

3. Travel at wholesale plus get a commission (vary per agency and limits dates & quantity)

4. Travel on a FAM trip – steeply discounted trips (exclusive to travel agents

1. When Parker Pen marketed a ballpoint pen in Mexico, its ads were supposed to have read, “It won’t leak in your pocket and embarrass you.” Instead, the company thought that the word “embarazar” (to impregnate) meant to embarrass, so the ad read: “It won’t leak in your pocket and make you pregnant

2. In Spain, when Coors Brewing Company put its slogan, “Turn it loose” into Spanish; it was read as “Suffer from diarrhea”.

3. When Braniff International Airways translated a slogan touting its upholstery, “Fly in leather”, it came out in Spanish as “Fly naked”.

4. When Pepsi started marketing its products in China a few years back, they translated their slogan, “Pepsi Brings You Back to Life” pretty literally. The slogan in Chinese really meant, “Pepsi Brings Your Ancestors Back from the Grave.”

5. Chicken magnate Frank Perdue’s line, “It takes a tough man to make a tender chicken,” sounds much more interesting in Spanish: “It takes a sexually stimulated man to make a chicken affectionate.”

6. Scandinavian vacuum manufacturer Electrolux used the following in an American campaign: “Nothing sucks like an Electrolux”.

7. A hair products company, Clairol, introduced the “Mist Stick”, a curling iron, into Germany only to find out that mist is slang for manure. Not too many people had use for the manure stick.

8. The American slogan for Salem cigarettes, “Salem-Feeling Free”, was translated into the Japanese market as “When smoking Salem, you will feel so refreshed that your mind seems to be free and empty.”

9. PepsiCola lost it dominant market share to Coke in South East Asia when Pepsi changed the color of its vending machines and coolers from deep “Regal” blue to light “Ice” blue as Light blue is associated with death and mourning in SE Asia.

10. We can’t forget Chevrolet’s attempt to launch the Nova — Spanish translation, “Doesn’t Go” — in Mexico (turns out this one appears to be an urban legend and cannot be verified). Many sources on the internet allege this is untrue.

When you’re selling your home, you have to be familiar with related real-estate lingo. You have to know the difference between a canopy and an awning; a mortgage and a loan; and most importantly, the difference between a deposit and a down payment.

Believe it or not, there are a lot of home sellers who think that deposits and down payments are one and the same, when in reality they are not.

A deposit is the money given or handed over to the owner when a buyer indicates a sincere desire to purchase the property being sold. It is a token amount that could be as small as a few hundred dollars, or as big as 5% of the total purchase price. The deposit can be returned when the transaction does not fall through for reasons beyond the control of the buyer, and can also be forfeited in favour of the seller. When the purchase pushes through, the deposit is credited to the buyer and forms part of his down payment.

A down payment or equity, on the other hand, can be considered as an initial payment on the property itself. It is given when the buyer has decided to actually purchase the house (unlike in deposit, where it is given when the buyer indicates a desire to buy the unit). The down payment is the total amount of money a buyer can give as a partial payment and is generally of a bigger value (10% of the total property cost, or more) than regular deposits.

It’s fairly easy to differentiate. Just remember that a deposit is smaller and, once the transaction pushes through, becomes part of the down payment. The total of these two, plus any outstanding balance, should be the agreed upon purchase price of the property.

It is not clear how music influences the individual. Some experts insist that music and musicians influence young people. Other sources insist that certain individuals respond to particular types of music and musical expression. Either way, today’s youth can see how their favorite musicians dress and behave, both in public and in private, via the multiple media sources which are constantly monitoring the world’s celebrities. Young people can then elect to change their own appearance and behavior to reflect the musician and musical style that they most identify with.

Two separate, but related, theories explain how individuals relate to and express themselves through music. Social identity theory indicates that people “borrow” their identity from the society in which they live. The individual’s adopting of a group identity through music is a way for that person to conform to the ideals, goals, and norms of the society as a whole. The opposite of social identity theory says that some individuals elect to behave in a manner that is contrary to societal norms. These people prefer to adopt their own style and stand apart from everyone else. This is called personal identity theory. These theories are interrelated because, even though personal identity theory identifies the individual aspects of expression, the person is still identifying as a part of a sub-group.

Young people are more likely to subscribe to varying forms of identification through music; especially those forms that my not conform to the larger society. As young people move through the adolescent years and into young adulthood, they are more likely to explore and experiment with their own identity through music than older adults, who have likely settled into one genre that they identify with. Looking at music in this way makes it easier to see how it has always been, and remains, a socializing agent; a way for young people to explore their independence as they move away from the authority of their parents.

This perspective on music can hide the influence that music has on children. The music of the past century has played an important role in the lives of young adults, yet music may be having an expanding effect on individuals who are even younger. Remember that music has always been an important part of every society. Children are socialized through songs that are shared with them at many ages. Children’s songs can be as simple as songs that teach basic information, such as ABC’s and 123’s, and they can teach social skills and acceptable behavior (think Sesame Street and Barney). Still, children have access to the same music that young adults have access to; and sometimes this music is not age-appropriate. This phenomenon has ushered in the debates about whether or not exposure to certain musical influences is having a harmful effect on the nation’s youth.

Interestingly, one study has found that females are more likely to be influenced by music than males, although both genders find expression through music satisfying. This may be because females are typically socialized as members of a societal group and males are typically encouraged to be self-sufficient. The study’s authors believe that the socialization process makes females more susceptible to musical influences than males.

The balance sheet, also called the statement of financial position, contains three items: assets, liabilities, and stockholders’ equity. It is dated at the moment in time when the accounting period ends. The accounting equation that is a big part of the financial statements is: assets equal liabilities plus stockholders’ equity. When working with a balance sheet: the total assets must equal the total liabilities and equity.

The first part of the balance sheet is assets. There are two main categories of assets: currents and long-term assets. Current assets are expected to be converted to cash in the next twelve months or one business operating cycle (if longer than a year). Cash is the most liquidated asset. Short-term investments are stocks and bonds that a company intends to sell within the next year. Accounts receivable are the amounts the company expects to collect from customers. Notes receivable are amounts that the company expects to collect from a customer who signed a promissory note. A company also includes inventory, which is a current asset, into the balance sheet. Prepaid expenses are also a part of the asset side of the balance sheet because the company will benefit from them in the future.

Long-term assets include plant, property, and equipment, intangibles, and investments. Plant, property, and equipment (PPE) include land, buildings, computers, store fixtures, etc. Accumulated depreciation is also included on the balance in the long-term assets area. It is the amount of depreciation from PPE at the end of the year. It is subtracted from the cost of PPE to determine its book value. Intangibles are assets with no physical form such as patents. Investments are long-term assets because the company does not expect to sell them within the next year.

The second part of the balance sheet is liabilities. Liabilities are also split into two categories: current and long-term liabilities. Current liabilities are debts paid within one year or one operating cycle. Accounts payable is the company promises to pay a debt arising from a credit purchase. Income taxes payable are tax debts owed to the government. Short-term borrowings are notes payable that the company has promised to pay back within one year. Salaries and wages payable are amounts owed to employees. Long-Term liabilities are payable after one year.

The last part of the balance sheet is stockholders’ equity. The Stockholders’ equity is assets minus liabilities. There are two parts to stockholders’ equity: paid-in capital and retained earnings. Paid-in capital is the amount the stockholders have invested in that company. The basic part of paid-in capital is common stock where a company issues stock to the stockholders as evidence of their ownership. Retained earnings are the amount earned by income-producing activities.

I hope this helped explain the parts of the balance sheet.

My Six Figure Lifestyle was Chuck Marshal’s up-front profits and residual income program through postcards. It has since evolved into The Secret Formula Teleseminar, a newer $1,497 system that calls itself an alternative for the 95% of people who feel lied to, dissatisfied, confused and angry by the “biz opps” industry.

The Approach

The Secret Formula Seminar (formerly My Six Figure Lifestyle) has been developed by Rob Stinson, a one-time machinist who candidly uses his regular-guy persona to share how his “Secret Formula” now has up to 150,000 distributors and results of over $250 million worth of products sold.

The Difference

Stinson states that what differentiates his teleseminar and software from the rest is that they’re designed to attract what he calls Business-Opportunity-Buyer (BOB) prospects. These prospects appear to consist of owners and managers of existing businesses looking to build up sophisticated streams of multiple income channels, instead of friends, relatives or co-workers who tend to drop out of these programs.

The Promise

Per his website, Stinson promises up to a five-figure income within the first few months, no time wasted with scheduling, presentations, selling, pitching or closings, and less than two hours spent daily on the business when owners work the systems properly.

Stinson’s new My Six Figure Lifestyle program appears to include:

– 700 to 1,500 qualified, worthwhile leads

– Lead generation and prospecting software and branded marketing system

– Postcard lead-generating manual for generating leads used with My Six Figure Lifestyle

– Additional software incentives

My Six Figure Lifestyle / The Secret Formula Seminar In Review

Stinson appears to believe that by being upfront about frustrations and potential scams prospective customers have experienced, The Secret Formula Seminar may have the ability to attract those that have since rejected online business opportunities.

The newly revised “My Six Figure Lifestyle” program, now known as The Secret Formula Seminar, is reported to cost $1,497 to join. The program seems to work on a teleseminar type system and is said to include a handful of different items and features. Some of them include pre-qualified leads, proven marketing software and systems and manuals and incentives.

As with any and all online based business endeavors; it is highly recommend that one does their own research before investing actual monies into a program. The Internet is a very large and uncontrolled atmosphere that requires caution and in-depth research; especially when being asked for monies in return for a service, membership or product. That’s not to say that real and lucrative opportunities don’t exist out there; one just needs to exercise caution when looking for that perfect one to ensure it is a legitimate opportunity and delivers on what it says for how much it says.

Vehicle History Overview

  • They don’t make them like they used to.

The First Cars

  • The first motor cars were nothing more than a buggy and engine (Generally repaired by blacksmiths and carpenters. These cars were very expensive, which only the wealthy could afford)
  • Model T was the first car mass production on an assembly line in 1908 (Ford’s Vision was to produce an affordable car the average person could purchase)
  • Model T’s came in black only to keep the costs down. (The price came down once the assembly line was streamlined, but in 1908, the cost for a Model T started at $825. By 1913 the cost of the car reduced to $550)

Cars in the 1960s

Cars were made the same basic way up through the 60s

  • Body Over Frame
  • Rear Wheel Drive (Same concept, but the cars were very big, bulky, and heavy)

Except people in the 60s wanted SPEED! They achieved this with Big Block Motors, which created a lot of Horsepower. (The Birth of Hotrods, Rat Fink, Flames, and Pin Striping).

Cars in the 1970s

  • The government place strict fuel economy and emissions control laws
  • Customers demanded cars with increased fuel economy
  • New laws and customer demands started the automotive explosion of engineering ideas and changes in the automotive industry

Changes to comply with Demands and Laws

  • Smaller bodied cars and smaller engines
  • Aerodynamics (Increase Fuel Mileage)
  • Lighter cars by using different materials and designs
  • More work-hardened areas created during formation of panel (Body Lines)
  • Safety

Construction of Interstate Highways + Higher Speed Limits + More High Performance Cars = Accidents and More

Deaths from Auto Accidents

Federal Laws were passed to regulate safety. These laws included:

  • Installation of seatbelts
  • Safety glass windshields
  • Head restraints
  • In 1979, the first driver side airbag was introduced
  • Airbags are mandatory in motor cars produced after 1990
  • Unibody Torque Boxes: Allow controlled twisting and crushing
  • Crush Zones: Made to collapse during collision (To act as an absorber, absorbing the impact)

Modern Day Cars

  • Carbon Fiber Parts
  • Aluminum Parts
  • More Plastic Parts
  • High Strength Steel
  • Boron Steel
  • Unibody Construction
  • Space Frame Construction
  • Computer
  • Hybrid Cars

Now they even have cars that will tell you when you’re lost, where to turn, Parallel Park for you.

Conclusion

While the modern day cars appear to be made cheap and unsafe, they are actually designed to crush or collapse, while transferring the energy around the stronger passenger compartment to protect the passengers from injury.

There is considerably more damage to modern day cars during a collision than the older vehicles, which gives the perception that “they don’t make them like they used to”. However, in reality the cars are taking the impact instead of the passengers.

The lesson was designed to give you a little history, but to also emphasize that just a hammer, dolly and a few wrenches are not going to repair today’s cars. We need highly trained collision repair and automotive technicians to repair today’s vehicles.

 

If you’ve never heard of Collembola, you’re not alone. Until recent years, it was thought that these soil borne creatures were essentially harmless. Even doctors vehemently denied that springtails were likely to infest human hair and skin. Folks who suffered from chronic itching, biting and crawling sensations were often considered delusional, but that mindset is slowly changing. Mounting evidence suggests that these micro-tiny pests can be surprisingly invasive.

Thanks to the tenacity of folks like Dr. Frans Janssens and his colleague, Dr. Kenneth A. Christiansen, the scientific community is beginning to recognize that springtails can pose a very real threat to human comfort when present in large numbers. The two researchers collected scores of reports from homeowners, doctors, and pest control operators in several countries, including many regions of The United States. Within the gray areas between casual testimony, scientific observation and concrete medical documentation, a startling picture emerged. Collembola are everywhere, and it’s not impossible for them to latch onto humans and animals.

As inhabitants of fertile soil, springtails are likely to be found just about anywhere. The more you water the lawn and apply fertilizer, the happier they’ll be. They are considered the most abundant arthropods on earth. Since prehistoric times, they have survived frigid winters and very hot summers, but their numbers decrease exponentially under dry conditions.

Pet owners are particularly vulnerable to collembola infestation. Dogs and cats who trample through moist soil or wet grass can pick up springtails and transport them into the home; however, it’s not likely that springtails will stay attached to pets like fleas unless an animal’s immune system is compromised (for example, if there’s a fungal infection of the skin.) Springtails are easily transferred between humans and animals. Close contact isn’t necessary. These acrobatic creatures can jump three to four feet. You may not always notice them catapulting through the air. They can be smaller than the head of a pin.

If the thought of a few springtails in the house makes you paranoid, relax. Their ability to divide and conquer will largely depend upon environmental factors. Do you enjoy growing potted plants indoors? Does your basement tend to flood after a good rain? Can you smell mold behind the bathroom wall? Are you still waiting on a plumber to fix that leaky pipe under the kitchen sink? Who was president the last time you cleaned your air ducts? A moist, moldy environment is like Disneyland to a springtail.

Getting rid of an advanced collembola infestation can be difficult because springtails aren’t classified as insects. They are defined as hexapods, primitive ancestors to modern day bugs. According to organic scientist David Glassel, chemical pesticides have no effect on the hexapod. Only natural insecticides will do the trick, and the best remedy is cedar oil.

Step By Step Guide to Eliminate Collembola Infestation:

1.) Treat yourself and your pets with a topical cedar oil insecticide approved for use with humans and animals. Avoid cosmetic or aroma therapy grade cedar oil. It’s not purified, and it usually comes from certain forms of cypress trees. Cedar oil that is formulated for home protection will kill ALL TYPES of parasites on contact, including springtails, lice and all forms of mites. If you’re tempted to use an over the counter kit designed for lice control, don’t bother. It won’t work, it’s not enough to cover large areas, and it’s just plain not good for you. Such products contain Lindane, a chemical banned for use with animals by the Environmental Protection Agency.

2.) Spray couches, beds and carpets with a fine cedar oil mist. A proper household formula will be very light and pure. In other words, it won’t stain fabric.

3.) Use a cedar oil fog machine to penetrate unseen cracks and crevices in the home. Normally, fog machines are considered optional, but advanced springtail infestations require aggressive measures. If you believe your infestation is severe, or if you’ve actually SEEN large groups of springtails moving over floors and walls, don’t mess around.

4.) Use the fog machine to treat air ducts or hire a professional air duct cleaning company. Many people are shocked to discover they have mold in their air ducts. It is not uncommon for mold to develop in your heating and cooling system from the condensation of your air conditioner. Springtails feed upon mold and thrive in moist conditions. Mold can also aggravate asthma and allergies. Air duct treatment addresses all of these difficulties.

5.) Purchase the highest quality furnace filters available at your local store. Filters designed for allergen and dust mite removal are best. Change filters frequently.

6.) Hunt for places where moisture accumulates. Patch leaky roofs and pipes. Seal cracks around basement windows. Pay special attention to bathroom walls and cabinets under sinks.

7.) Remove household plants, especially decorative trees sitting in large potted containers filled with soil. Remember that springtails can be transported directly into your home via bags of potted soil.

8.) Take aggressive measures to control animal populations on your property. Double bag garbage, and don’t leave open trash barrels sitting around. Animal foods that are stored outdoors should be kept in airtight containers. Use traps or repellents to control rodents, raccoons and squirrel populations. Resist the urge to pet stray dogs and cats. Report any sightings of feral cats to your local animal control center.

9.) Beware of ultra rich potting soil and wooden landscaping materials. Based on calls placed to our pest control operation from all over the country, springtail populations are often introduced to the home when truckloads of new mulch or soil have been dumped on properties that previously had minimal landscaping. (Mulch traps moisture and promotes the growth of mold.) Seal any cracks around basement windows before distributing natural landscaping materials around the perimeter of the home. If you’re worried about collembolla populations outdoors, there are super strength cedar oil concentrates designed to repel mosquitoes and kill insect populations in the grass and soil. Pet breeders, horse keepers, and livestock farmers use cedar oil concentrates to control all types of parasites in barns, pens and pastures. A generous treatment early in the spring or summer will do a lot to destroy eggs and control multiple insect populations before they explode. Veterinarian bills are EXPENSIVE. Destroy parasites before they destroy you!

10.) Last but not least, avoid chemical pesticides. In February of 2011, USA Today ran an article titled “Exposure to Pesticides in Womb Linked to Learning Disabilities.” The study focused on peremethrin, a chemical commonly used to battle household pests. As disturbing as this sounds, the topic is nothing new. Scores of scientific studies have linked chemical pesticides to neurological disorders, breast cancer and birth defects in children living near farms where chemicals are sprayed. In a nationally televised ABC World News investigation, spot drop flea and tick medicines were found to cause 44,000 severe reactions in a single year, including multiple deaths.