Nokia E90 Communicator - Companion For Globetrotting

Nokia E90 is a GSM 2100 MHZ Communicator phone which looks great and well built. The mobile has good voice quality, Bluetooth file exchange with excellent speed and fast WI-FI capabilities. The wide connectivity options are quad-band EGSM, 3G connectivity both WCDMA and HSDPA, WI-FI, Bluetooth with stereo and audio support, Infrared and USB. It has a 3.2 mega pixel camera with auto focus and flash, a FM radio, audio jack for headsets and DVD quality video recording plus an integrated GPS chipset. There is an external QVGA screen with a number keypad and a large 800 x 352 pixels internal screen with full QWERTY keyboard. The keyboard quality is good giving good tactile feedback and enables the user to type fast. The VoIP functionality in this WI-FI enabled smartphone is top notch. With all its great software and a perfect hardware design, it brings significant value to the business user in everyday work this justifies the high price. E90 introduces a new platform to its Communicator line called Series 60v3.

The Communicator

The wide range of communication options of Nokia E90 makes it a true Communicator. Email has the support of SMTP and POP protocols and push mail options, instant messaging and a text-to-speech reader.
It includes a 3.2 mega pixel camera with auto focus and flash and a secondary camera for video calling. Its software capabilities are very impressive especially the document editor QuickOffice that handles MS Office documents, zip files and PGF files very well. The Personal Information Management tools with provision for adding more applications. Data and media clips up to 2 MB can be stored on MicroSD cards.

The Companion

It can be described as a tiny hand held computer rather than a mobile phone with a talk time of 5 hours and a 14 days standby though it can be shortened by the use of 3G, Bluetooth etc. The in-built GPS function performances things beyond basic location based services, as the addition of "Nokia Maps" application with the free Satellite navigation package as a value added feature. This most feature packed device has very few compromises and works as a phone as well as a multimedia computer and an efficient companion.

Review - Enjoy Your Money!

Enjoy Your Money! How to Make It, Save It, Invest It and Give It, J. Steve Miller, 2009, ISBN 098187567x

There are a seemingly infinite number of personal finance books available in bookstores. This one is intended for people in their teens and twenties which financial plans start and end with "become a millionaire."

Akashi, Antonio, James and Amy are your average high school students in detention, again. They meet with Mrs. Kramer, an eccentric, elderly teacher at the school, who teaches a course on money management. Every Saturday, they meet at a local fast food joint, where Mrs.. Kramer takes the four into the world of money.

Have an emergency fund, equivalent to three or four months salary, in a savings account or money market account, accessible if needed. Pay off your debt as soon as possible, whether it is credit card debt, student loans or car payments. When you get some money in your pocket, it is tempting to buy a big-screen TV or fancy new clothes. Do not do it; live benefit your means; cut your expenses as much as possible. Is it more important that others think you are a rich person, or that you actually are a rich person?

It's also tempting to buy and sell stocks on a short-term basis, looking for a quick profit. Again, do not do it. Every time you buy or sell stock, your stockbroker makes money, not you. Research good quality, no fee mutual funds (especially index funds) that you can invest in for the long haul. Just because a fund had a good year last year, it does not mean they will have a good year this year.

A popular way to make money is by buying houses and "flipping" them. If that is not for you, and if you know the right people, think about "flipping" cars or motorcycles. People will always need decent, reliable transportation. The book also looks at buying a car (consult Consumer Reports and choose quality over flashy), insurance, knowing your way around a supermarket, investing in real estate, getting a job and keeping it.

This book is a goldmine of information. Written as a dialogue, this is very easy to follow for the person who does not want to read another "money literacy" book. This is highly recommended for every teenager and twentysomething who thinks that a million dollars will suddenly show up in their mailbox.

How Much Does It Cost To Invest In The Stock Market?

The answer to "how much does it cost to invest in the stock market?" depends on a number of factors including but not limited to the kind of investor you are, the type of stock you buy and the company you choose to invest in. The stock market is risky business because the probability of you losing money is high. That is the reason why you need to understand the fundamentals of the business before you invest. Before you can determine the cost of investing in the stock market, you will have to understand how it works.

What Is the Stock Market?

Stock market is the buying and selling of stock (shares) of a company. The shares are securities that are listed on the stock exchange. Once you buy the stocks of a company you automatically become a shareholder in the company. You will earn from the stock you bought in two ways; first through the dividends that are paid by the company to the shareholders. The second way you earn money is through the appreciation of the company. Depending on the type of stocks you bought, the dividends are usually calculated on a fixed rate or variable rate.

The Different Types Of Stocks Can Affect How Much It Costs

When it comes to calculating how much it costs to invest in the stock market, you will have to determine the type of stocks you are buying. There are different types of stocks and they all have different market value.

Common Stocks; These are securities that represent ownership of a company. Once you buy these stocks you will have a right to vote at any shareholder meeting. The common stock shareholders however, are usually at the bottom of the priority ladder. This means if the corporation goes bankrupt, the common shareholders will only receive their money after the creditors and the preferred shareholders. In terms of cost these stocks have a less yield.
Preferred Stocks; These stocks give you a little ownership of the company but you do not get any voting rights. The preferred stock shareholders usually receive dividends that are calculated on a fixed rate. The preferred stocks have a higher yield per stock as compared to the common stocks.
Penny Stocks; These are usually referred to as common stocks of the small public companies. The penny stocks are usually priced at $ 5 and below.
Factors That Affect Stock Prices

The price of a stock effects how much it will cost to invest in the stock market. It is thus important to understand the factors that affect the stock prices.

Company Performance

This is the major factor that impacts the stock prices. The company performance, returns to the company earnings, both current and future earnings. The performance of the company may be affected by factors like employees' layoff, change in company management, a new service or product, scandals and many more. These internal factors directly influence the price of a stock.

Inflation And Deflation

Both of these factors directly affect the stock market. Inflation is where the prices of goods and services rapidly go up. This causes the cost of manufacturing and transporting of goods to go up. In an event of inflation, the stock market drops due to the decrease in revenue. Deflation on the other hand is usually the drop in the prices of goods and services. While deflation is supposed to be a good relief, most investors do not invest in the stock market. This is because they believe that the economy is weak. This causes the stock market to drop.

Interest Rates And Foreign Markets

The interest rates that are imposed on a company while borrowing money from the financial institutions usually affect the prices of the stocks. Higher interest rates typically affect the company borrowing which will in turn reduce their profits and dividends. Foreign markets on the other hand affect the stock prices indirectly. When the economic status of the countries goes down, it affects the stock market negatively. Once the economic status changes, it influences how the foreign countries will trade with the said countries. This will in turn affect the stock market of the foreign countries.

Tips Of Determining the Cost Of Investing In the Stock Market

Time to invest; when it comes to the cost of investing in stock market, it is not only money that matters. The time you invest in financial market is also important. You need to determine the amount of time that you are willing to invest in the stock market.

The number of shares you are willing to buy; the number of shares that you are going to buy will determine the total amount of money you will use. If you are new to the business is advised you buy a few stocks as you learn about the business. Also remember not to buy all your stocks from one company, diversification is very important.

The Five Components of a Business Strategy

Can you define exactly what makes up a business strategy? Some people say no, but we think you can.

In fact, we believe a valid business strategy has five components:

1. Your company's current or desired core competencies
2. A description of how you will differentiate vs. competitors
3. The industry or industries in which you intend to compete
4. The initiatives you plan to implement in the areas of marketing, operations, information technology, finance and organizational development
5. A financial forecast that shows how your plans will meet stakeholder requirements over the next 3 to 5 years

Let's look at each of these components .

The first component of a valid business strategy is a clear description of your company's current or desired core competencies.

You may be thinking, "Great, but what's a 'core competency?"' While there are many definitions, here's a good one from Wikipedia:

" ACore competency is something that a firm can do well and that meets the following three conditions:

• It provides consumer benefits
• It is not easy for competitors to imitate
• It can be leveraged widely to many products and markets.

A core competency can take various forms, including technical / subject matter know how, a reliable process, and / or close relationships with customers and suppliers. It may also include product development or culture, such as employee dedication. "

For example, we could say that Southwest Airlines is a reliable airline that offers low fares. But in order to provide those benefits, it has to have certain "core competencies," important capabilities that enable it to have low fares and to be reliable. We believe that Southwest Airlines has four core competencies that it executes so well that it regularly beats all other US airlines in terms of profitability.

These core competencies are:

• The lowest operating costs per plane
• An economic point-to-point airport network
• A fanatical culture focused on customer service and cost savings
• An ability to keep planes in the air more of the time than its competitors.

Southwest airlines could not offer the benefits of low prices and reliable service if it did not master these core competencies. What key benefits do you want to offer your customers? What core competencies do you need to master to provide them?

The second component of a valid business strategy is a description of how you differentiate vs. competitors.

In our experience, differentiation is about being the best at something. This should be encapsulated in your mission statement - what are your company's aspirations and how are you going to beat the competition? We just talked about how Southwest Airlines differentiates - what are you going to offer customers that will make them choose your products or services so that you can grow your business?

It takes a lot of hard work to come up with a great answer to this question and even more work to make that difference real. It's easy for us to say that Southwest is the best low-cost airline in the US, but it's extraordinarily difficult for them to pull it off.

The third component of a valid business strategy is a description of the industry or industries in which you intend to compete.

You need to be able to define just what kind of company you are - are you a furniture manufacturer? A gift card retailer? A consulting firm, a bearings distributor, a toy importer, etc.? This step sounds easy but we find that companies are often so concerned about getting too narrow in their focus that they fail to become really clear about what they want to do. A company with a good business strategy will have thought through these issues and made the hard decisions necessary to clarify its identity. If it has, it can easily pass the litmus test of identifying the industry or industries in which it operates.

The fourth component of a business strategy is the set of initiatives you plan to implement in the areas of marketing, operations, information technology, finance and organizational development.

These are the plans that guide your company's focus and resource allocation over the next several years. If your business strategy is specific enough to be relevant, you will have detailed plans in all of these areas.

The fifth component of a business strategy is a financial plan that forecasts the results you expect to get from your plans and illustrates how they will meet stakeholder requirements over the next 3 to 5 years.

Your strategic planning process can not be separated from your annual budget process. In the vast majority of companies, if it's not in the budget, it does not exist. That's why you have to have a very senior financial person on your strategic planning team, preferably the CFO. During the planning process, your team must agree a financial plan that estimates the results of implementing your strategy. This plan needs to earn the approval of your company's management and board and should be reviewed on a regular basis to track results and make refinements.

So - those are the five components of a valid business strategy. Good luck planning your success. And succeeding because you plan.

Dangers Of Lacking Financial Education And Giving Value To Others

In this article, I am going to talk about the dangers of lacking financial and values education which are just as important as our school education which mainly and still focuses on theory and academic score having read and understood the books by Robert Kiyosaki like Rich Dad Poor Dad as well as watching all videos of Eben Pagan on what it takes to succeed in business, relationships, wealth and improving all areas of life as his subscriber and customer which are in contrary to what we have been taught and conditioned to think and do by our parents, grandparents and teachers.

Truth being said, most of us only think of making money for ourselves, families and loved ones if we are married and have kids without understanding that in order to make money, we need to give and deliver value to others which is just as important. That also ties in with what Zig Ziglar said that you can have everything you want in life if you give enough people what they want in life. The only knowledge we have is that we have to study hard to get good grades and qualification so that we can get great jobs with high pay in order to have our homes, marry, retire, and live happily ever after. While our parents - especially those from low and middle-income families - told us this out of concern, this sort of mentality is sadly outdated in the current 21st century. And even more so with digital technology looking to shape and change the way we live, study and work.

A rich parent - for instance the current US President Trump - will never tell his children that. Sure at first glance, they will tell their children to respect others in public and tell them off if they are disobedient and do not behave. But behind closed doors of their homes only known to family members and maid serving them, they will share with them other things that poor and average parents will never share with their kids.

Which is while making and saving money are important, delivering value and smart investing to maximize it are just as important.

According to Eben Pagan in his YouTube videos, he said after years of studying about business and wealth, he learnt two critical things. One is that people do not like to give away their hard-earned money without getting any value in return. When I say value, I am not talking about anything that sales and marketing people offered them. But what people really need and want for themselves and loved ones. Second is that money has a hole in its bucket and unless you know how to earn, you will lose every dollar you spent never mind on what things.

Here is another truth of life which I discovered after my very own study and research on other articles and blog posts besides reading and watching videos by those gurus. That is money is never given or distributed evenly all the time. It is only for those who delivered the most value as in helping and making a difference to others' lives as well as those that others feel closest to. Even if it is otherwise, most people will squander on things they like short-term but are not essential long-term. Especially luxury items such as cars, condos, gadgets and jewellery to name a few. And when they spend all their hard-earned money with little or no savings, they will usually resort to those things.

1. Taking on 1 to 2 part-time jobs on top of their main one just to be able to cope with the daily expenses and support their family.

2. Borrowing from families and friends,

3. Asking for loans from creditors, loan sharks and banks,

4. Applying for credit cards,

5. Gambling in casinos, lottery and sports betting

While there is nothing wrong with the first though it might put additional stress on individuals' health and well-being, there is everything wrong with the other four which I myself was guilty of in the second and fourth.

Because every time you borrowed, you needed to pay back as we Asians have a very strong ethnic and principle on it. If they are not carefully abided by, tragedies may occur. Not just on individuals who cannot pay back and lose everything but their families as in their parents, parents-in-laws, spouse and children as well.

And the saddest truth is when the family is poor, the spouse have to work or take extra job as well to bear the costs and the children will have to give up their passion, interest and even studies just to work early to copy with the family burden costs.

For the rich, it is another story. Suppose if one or both your parents are running the company as bosses or CEOs, you will be required to help them out upon completing your studies.

Otherwise they will be judged as "selfish and unfilial who only think of themselves, inconsiderate and uncaring about their families' well-being."

That is if they want to pursue their ambitions, interests and passions they once have as children but are dismissed by most parents as naive child words, play and who are just asking them what they like to be when they grow up simply to make fun of them.

It may sound weird to you but that is the situation in my country Singapore.

Which explains why most people are conditioned to study hard, work hard, save hard and retire comfortably with just one working job income they see as honest earnings.

Any income incurred outside are dismissed by baby boomers in particular - as fraud from cheating other people of their hard-earned money which is partially true with some entrepreneurs but it is wrong to dismiss every business owner because of a few rotten eggs.

Given the fact that government supports them because they are our pioneers, very little room is given for youth development not just in terms of creativity and innovation but in terms of money and wealth management be it creation, multiplication and preservation.

The only things they know are saving, working and borrowing money as well as buying insurance policies from financial advisors who may or may not be acting in the interest of their clients.

Hence their ignorance, overspending and not earning enough leads them to be over-dependence on government to the extent of asking more and blaming the government when things are not going the way they expected and wanted. That will cause serious implications on our economy and society well-being in general be it relationships and the daily essentials of life we, our families and future generations need.

I don't mean to sound arrogant but if I am in the shoes of Minister for Education, I will make financial education compulsory as one of the main subjects. Especially when it comes to generating, growing and saving money while still acting in the interest of others as in giving value.

Which most people need to know but in actual truth, they don't which is absolutely critical.

Except for a selected few.

Like Warren Buffet, Donald Trump, Robert Kiyosaki and Eben Pagan I earlier mentioned.

Finding Finance and Insurance Careers in the Automotive Industry

Interested in finance and insurance (F & I)? Love cars? Looking for a way to merge the two into a long-repeating and fulfilling career in the automotive industry? It's time to consider a career in auto sales and F & I management. Now is a great time to invest in F & I training, which can provide everything you need to succeed in this career. That means you will acquire excellent leadership and communication skills and have the expertise required to handle the financial and legal aspects of a sales transaction.

Automotive Business Manager programs are designed to teach the skills required to oversee the financial and legal aspects of the automotive industry. Students in these automated training programs are trained in finance and lease options, sale of after-market products and the use of specialized software.

Becoming an F & I manager means you will be in the center of the action. It also means you will have a direct impact on profitability and be rewarded accordingly. Need another reason to invest in F & I manager? Job Futures 2000 precedents that more than one-third of all jobs created in Canada will require a skilled trade design or a college diploma.

What about the extensive restructuring of the automotive industry? There has been a lot of change, but the automotive industry remains one of the world's largest and most important business sectors. Moreover, a surge in demand is expected as consumers make purchases that would normally have been made in the last two years and additional demand is created by increases in population, new consumer offerings and improved manufacturing technology. Employment prospects for automotive sales and F & I management are good for the following reasons:

• A growing shortage of well trained individuals to fill sales occupations
• Service Canada predicts there will be strong demand for qualified candidates in Sales and Service, Business, Finance and Administration "because this sector will account for more than 45% of all retirements over the next five years."
• Significant worldwide growth within the automotive industry

You know what happens when demand for a specific job goes up. Salaries also go up. That's exactly what is happening for F & I Professionals. Key elements of F & I training programs can include the following areas of study:

• Business Manager's Role in the Dealership
• Financial Institutions and Their Requirements
• Getting the Contracts Purchased
• Credit Reporting Overview
• Understanding Credit Scores and Risks
• Reading Credit Reports
• Prequalification Using Credit Reports
• Cash Conversions
• Bank Conversions
• Use a Customer-Friendly, Aggressive F & I Process
• Qualify Your Customer, Use The Right Words
• Product Knowledge
• Effective Selling Techniques
• Menu Selling Leasing Skills and Techniques

Elevate Your Business With Data Entry Services

The sole aim of many organizations is to progress well in their objectives and hire people who are good and efficient in their work. However, sometimes, there are some work profiles that are mundane in nature but equally important like data entry services. You will be amazed to know that these services also play a crucial role in building the future of an organization.

In fact, with the coming of information technology, the data entry services have actually become a kind of industry, as various businesses need accurate and detailed information for various reasons. So they are relying on such services that not only help them in growing but they cost effective too. These data entry services are an asset for any organization irrespective of its size in both the terms of work, financial status and area. With the help of such services you are able to get the information on the market trends, your clients and moreover, about the status of your own business. Here, there is a lot of demand for data entry services in order to do great business.

As you must be aware of the fact that data data services can be time consuming; it it requires efficient work to execute various tasks perfectly and diligently. Every transaction has to be recorded, processed and analyzed so that the management or the decision-makers can have a clear picture of the actual financial standing of the company. In fact, there are many organizations that are interested in the data of the company so that they can strike a business deal with the company in the future; the competitors are also the one's who are constantly following the events of the company. However, the most important part that constituents group are the shareholders, employees, creditors, consumers and the market in general. Therefore, this service plays a significant role in determining the future of the company. Thus, it is taken very seriously by many business enterprises for various reasons that can elevate their businesses by many fractions.

In fact, data entry services are now being outsourced from various leading vendors to further simplify the requirements of every business. Well, these services cover many business activities like document and image processing, data conversion, image enhancement, image editing, catalog processing, and photo manipulation. In fact, you can use data entry services for transferring hard or soft copy to any database format; insurance claims entry; PDF document indexing; online data capture; product catalogs to web based systems; online order entry and follow up; creation of new databases. Moreover, banks, airlines, government agencies, direct marketing services and service providers are using these services for better businesses.

The data services are also utilized for mailing lists; data mining and warehousing; data cleansing; audio transcriptions; legal documents; indexing of vouchers and documents; hand written ballot or card entry; online completion of surveys and responses of customers for various companies. Now its up to the company to whether go for a vendor or hire in-house staff to accomplish tasks in a better way; the main purpose of this service is to offer convenience that can help in curbing time as well as other resources.

Writing Your Affiliate Home Business Plan

Here's a typical scenario: You are deciding to start a home business and suddenly everyone you know has his nose in your business, literally. What do you tell them? And how do you answer your own questions? What should you expect from the company in terms of stability, longevity, vitality, trust, income, and so forth? First the bad news: there are no guarantees. Then the good news: there is plenty of information from which to draw your own conclusions. The internet is huge, and any good company will offer free marketing tools and training.

But back to the WHY of that business plan. You're going to be starting small, slow and boy! is there a lot to learn. What's the point of actually sitting down and writing a business plan? You're not Bill Gates, this is not Microsoft, just you in your home office a few hours a week, slowly building an online business presence, not really understanding what the heck you'll be doing.

Relax and breathe. Unlike Mt. Rushmore, your plan will not be designed to withstand the weathering of the ages. You can expect it will change and bend with the flow of your real experiences, which will be totally yours, not identical to anyone else's.

What writing your plan will do is cause you to pause, think, dream, study and focus. The written document, whether it is one page or twelve, will give your business a framework to work within. The internet is vast and seemingly endless. It is easy to lose focus and drift away on a different whim or idea every day. Understanding where you are today, what tools you have to work with, what your goals are, and how you can best achieve them and measure your success, will help you stay on target and not waste what few hours you may be investing in your business at start-up.

Whenever you feel lost or confused, you can return to what you have written. When you analyze your situation and decide to make a change, rewrite that part of the plan. Understand that it's a living document, intended to grow with you and your business. Your business plan is your friend.

Getting Started with the Business Plan

First you need to study the company and its management. You need to read and learn about the products, the compensation plan and the network structure. See you next month. Just kidding.

Plan on doing SOME reading each and every work day for the next few months, if not indefinitely. Keep up with the company forum entries every day; read something in the training reports every day. Your education will continue. Plan for it.

When you are ready, open up a Notepad window and answer these questions:

What service / products does your business provide and what needs does it fill?

Who are the potential customers for your product or service and why will they purchase it from you?

How will you reach your potential customers?

Where will you get the financial resources to start your business?

Ok. Maybe your company offers many products and services. What do you want to focus on? I suggest that, at first, you focus on one or two products and / or the affiliate opportunity. In other words, keep is simple. Once you get the hang of what you're doing, you will KNOW when it's time to expand. Do only what you are comfortable with, every step of the way. This is YOUR business, it's your right and privilege to decide on your approach.

Internet marketing hinges on building trust. How will you do this?

Reaching customers means marketing. Your decision, once again. And again, the options should be in your company's training materials.

So we're talking developing a reading / study schedule. Here's a possible list, once you've read enough to make your own decisions to answer the above questions, start writing. Your writing can be lists of words and phrases, free-form brainstorming, outlines, mind maps, whatever works for you. Just write it down, and do not forget to save often. If your home office is affiliated by cats or small children, they have the tendency to press on random keyboard keys. Documents do occasionally just disappear. Saving avoids total disaster.

1. Study the products.
2. Read the training materials.
3. Read about decisions, bonuses, etc.
4. Study the marketing aids and strategies
5. Find out what free tools are available.
6. Visit the forums on a regular basis. Read everything about getting started.
7. Ask questions.

Your final written business plan will have at least four parts:

Introduction / background: history of the company and its founder, internet marketing trends, why THIS company and why NOW, and so on.

Goals: I suggest you think of what you would like to be learning in two years, but mainly focus on goals for your first year. Realistic goals can be planned based on info on the company website, in newsletters, searches on the forums, and focused questions to other affiliates.

Marketing plan: based on your answers to the first 3 questions above and your study of marketing aids and tools.

Action plans: the specifics of what you will do on a monthly, weekly, and / or daily basis for the next year.

I can not tell you what your answers should be, because you have to decide how much money you have to invest. Only you can decide how many hours per day, week or month you can invest in your business. What products you feel most comfortable marketing, and who you decide to target as your customer base, are all decisions only you can make. If you get stuck and do not understand a question, do not know where to find information, or do not know how to ASK a question, contact your sponsor or someone in your upline. If they can not help you, they should be able to send you to someonewho can.

You should NEVER feel alone. Work should be FUN! ...

An Introduction to CNC Turning Machines and How They Can Help Boost Productivity

For those that are not sure of what CNC turning machines are, these devices are machines that would make your milling, drilling and machining tasks a lot easier with the help of Computer Numerical Control (CNC). Highly thought-after in the world of manufacturing and processing of components, these machines are able to produce precise, accurate parts and components in fast and cost-effective manner. Some of the parts that are manufactured precisely through the use of these devices include aerospace components, automobile parts and many other different components. If you are unsure of whether you need these CNC turning machines or not for your business, going through the benefits of these devices and exploring how they can help to boost productivity might help you decide.

Wondering how CNC turning and milling machines can help enhance your productivity and increase your profit margins? Here are some of the reasons how:

1. CNC-based machines work based on CAD / CAM software that can produce and manufacture large output numbers without any compromises in terms of precision or accuracy. In return, you would have an advantage over your competitors that do not own such machines, as they would be limited by the limitations of manual labor. One good example is the outstanding capacity of these CNC milling and turning machines to perform multi-axis cutting processes, for instance a machine can work on 5 or 6 different axis, so you can produce fine and precise components when you own such a machine


2. You would be able to save your design and re-fabricate the same design over and over again when required. The utilization of CAD / CAM software allows this to happen, so you would save plenty of time once you have a design saved, all you have to do is retrieve the design and start manufacturing


3. These CNC turning machines come with good waste and chip management modules, so you could rest assured that you will minimize waste and your device would also be able to manage your wastage well


4. By owning a CNC turning machine, you are also making your plant environment a lot safer to work within. Instead of exposing your workers to the dangers of cutting, milling, drilling and other machining processes, let the machine take all the danger and shield your workers from such dangers. Your machine can also work for long hours without much issues, so instead of having a manual worker perform the same task (he would be given to fatigue), opt for a machine to do the task instead. You would automatically increase your productivity rate!


5. You would be able to produce a wide range of products without much restrictions when you own a CNC turning machine. When you are able to manufacture different products with varying levels of complexity and difficulty, you have found yourself a niche in the marketplace to distinguish yourself from your competitors

CNC turning machines are suddenless expensive, so if you can not afford these machines, consider outsourcing the processes instead and continue to reap the benefits. All the best!

What Is Bitcoin and Is It a Good Investment?

Bitcoin (BTC) is a new kind of digital currency-with cryptographic keys-that is decentralized to a network of computers used by users and miners around the world and is not controlled by a single organization or government. It is the first digital cryptocurrency that has gained the public's attention and is accepted by a growing number of merchants. Like other treaties, users can use the digital currency to buy goods and services online as well as in some physical stores that accept it as a form of payment. Currency traders can also trade Bitcoins in Bitcoin exchanges.

There are several major differences between Bitcoin and traditional currencies (eg US dollar):

1. Bitcoin does not have a centralized authority or clearing house (eg government, central bank, MasterCard or Visa network). The peer-to-peer payment network is managed by users and miners around the world. The currency is anonymously transferred directly between users through the internet without going through a clearing house. This means that transaction fees are much lower.
2. Bitcoin is created through a process called "Bitcoin mining". Miners around the world use mining software and computers to solve complex bitcoin algorithms and to approve Bitcoin transactions. They are awarded with transaction fees and new Bitcoins generated from solving Bitcoin algorithms.
3. There is a limited amount of Bitcoins in circulation. According to Blockchain, there were about 12.1 million in circulation as of Dec. 20, 2013. The difficulty to mine Bitcoins (solve algorithms) becomes harder as more Bitcoins are generated, and the maximum amount in circulation is capped at 21 million. The limit will not be reached until approximately the year 2140. This makes Bitcoins more valuable as more people use them.
4. A public ledger called 'Blockchain' records all Bitcoin transactions and shows each Bitcoin owner's respect holdings. Anyone can access the public ledger to verify transactions. This makes the digital currency more transparent and predictable. More importantly, the transparency prevails fraud and double spending of the same Bitcoins.
5. The digital currency can be acquired through Bitcoin mining or Bitcoin exchanges.
6. The digital currency is accepted by a limited number of merchants on the web and in some brick-and-mortar retailers.
7. Bitcoin wallets (similar to PayPal accounts) are used for storing Bitcoins, private keys and public addresses as well as for anonymously transferring Bitcoins between users.
8. Bitcoins are not insured and are not protected by government agencies. Here, they can not be recovered if the secret keys are stolen by a hacker or lost to a failed hard drive, or due to the closure of a Bitcoin exchange. If the secret keys are lost, the associated Bitcoins can not be recovered and would be out of circulation. Visit this link for an FAQ on Bitcoins.

I believe that Bitcoin will gain more acceptance from the public because users can remain anonymous while buying goods and services online, transactions fees are much lower than credit card payment networks; the public ledger is accessible by anyone, which can be used to prevent fraud; the currency supply is capped at 21 million, and the payment network is operated by users and miners instead of a central authority.

However, I do not think that it is a great investment vehicle because it is extremely volatile and is not very stable. For example, the bitcoin price grows from around $ 14 to a peak of $ 1,200 USD this year before dropping to $ 632 per BTC at the time of writing.

Bitcoin surged this year because investors speculated that the currency would gain greater acceptance and that it would increase in price. The currency plunged 50% in December because BTC China (China's largest Bitcoin operator) announced that it could no longer accept new deposits due to government regulations. And according to Bloomberg , the Chinese central bank barred financial institutions and payment companies from handling bitcoin transactions.

Bitcoin will likely gain more public acceptance over time, but its price is extremely volatile and very sensitive to news-such as government regulations and restrictions-that could negatively affect the currency.

Therefore, I do not suggest investors to invest in Bitcoins unless they were purchased at a less than $ 10 USD per BTC because this would allow for a much larger margin of safety .

Otherwise, I believe that it is much better to invest in stocks that have strong fundamentals, as well as great business prospects and management teams because the undering companies have intrinsic values ​​and are more predictable.

Disclosure: Victor Liang has has no positions in Bitcoins and has no plans to change his position in the next 72 hours.

Computer Degrees Online Available for You

Computer degrees online allow students to acquire a solid education on any computer related course from a reputable college or university, offering online computer program, without actually attending school. It is a distant learning that harnesses the student's knowledge and skills in any computer field.

Online computer degrees provide students with the required talent to enter into a rapidly growing industry with a well-paid profession. As technology advances, the need for computer experts continues to increase. Employment opportunities will exponentially grow in this field as technology and computer use becomes more relevant to the modern life.

Anyone interested in acquiring an online computer degree can choose from any of these courses available in online computer programs of most colleges and universities.

Computer science degree

Computer science degree online will give the students the edge in terms of employment and career advancement in today's fast-paced marketplace. This profession offers a lucrative paying job with a starting salary of over $ 50,000.00, and still increasing as demand for the profession continues to grow.

Computer science is described as the study of theoretical foundations of information and computing. The students also learn practical techniques for their implementation and application in systems.

Software engineering degree

A software engineering degree online can land you a six-figure salary job once you graduate and get certified. Although, this degree is admittedly one of the most difficult Information Technology programs because its coursework consistors of intricate mathematical principles.

Software engineering is the application of engineering to software. It involves the design and development of faster, affordable and easy to maintain software.

Computer networking degree

Computer networking degree online is an off-campus opportunity for individuals to learn and maintain secure network infrastructures. Usual subjects for a computer networking program includes study of hardware devices, including routers, switches and bridges and their problem areas; wireless devices, networking security and security protocols; computer applications and software like sharing files and shared applications; working with various operating systems and programming tools and languages; and designing, modifying and upgrading to more complex systems.

Computer information systems degree

This field is among the fastest and highest paying professions in Information Technology. Individuals can get online computer information systems degree from many reputable universities offering distant learning opportunities.

The program involves designing and developing information-based systems critical for operations and management.

Web design degree

Many now rely on the internet to provide almost everything they need: from getting news to providing information, from doing business to paying bills. Virtually, almost everything is accessible and can be done with a click of button. Because of the convenient use of the internet, more and more people are turning towards worldwide web for business or even their day-to-day needs. This phenomenon has resulted in the surge of websites to cater the growing public demand, thus making web design a very profitable profession. Web designers can easily secure a good paying job whether in a company or working freelance. What's great about it is that an online web design decree is available for everyone with access to computer and internet and with some spare time to the study the course at their own space. Visit websites of colleges and universities to learn about their requirements.

Game design degree

Game design can be said to be in its early stage of rapid growth. The opportunities for development are vast and wide, and this can be observed in the increasing market needs for new and exciting gaming software. Too, the industry is constantly in need of expert game designers, and professionals in this field have very well-paid jobs. Get an online web design degree from well regarded universities to have that extra edge. At any rate, a web design degree can get a solid employment.

Computer programming degree

Programming is a critical phase of software development. It involves creating source codes that will determine how software works. In simple term, programming can be understood as the detailed instructions that tell computers what to do. As a vital part of computer engineering, computer programming is regarded as a highly intricate process that requires excellent skills and expertise in the field. That is why this profession is among the most in demand and well paid position. Major universities offer online computer programming degree, which can be completed at the student's convenience.

CAD degree

Most high-quality presentations now require Computer Aided Designs or CAD. It is the use of a variety of computer-based tools to assist engineers, architects and other design professionals produce well structured real or virtual objects. CAD software allows objects to be designed in two dimensional or three dimensional space. Online CAD degree programs or online CAD degree courses may be offered through schools like ITT Tech and Penn Foster.

If you are planning to enroll in any of the computer lessons online be sure to study its requirements, and determine whether the specific field suits your interest. Any of these courses can provide good employment opportunities.