A Hidden Gold Mine in Every Business

26 Maret 2010

In many companies, most of the company seems to operate by a completely different set of rules and communicate in a different language than those the IT or computer services sector of the business. This division is somewhat artificial and partially maintained by the IT people themselves because of a certain culture technical people have about their specialized knowledge and application areas. But at heart, those strange people down in IT have the same goals as every other business person which is to succeed both personally and corporately in shared projects.

But those of us on the business side of the corporate landscape depend on the computer folks to let us know how things are going with that highly valuable asset that we have in our IT systems, hardware and software. Most medium to large businesses run very high capacity computers or multitudes of computers connected through a network and those systems must perform at top capacity each day to accomplish the goals of the business.

The upgrade and maintenance budgets for the computers that run your business no doubt represents a fairly sizable percentage of the corporate budget each year. But because those systems are what make you competitive in the marketplace, that investment is worth the money to assure that the mission critical jobs those powerful systems do get done on time each week and month.

When a computer begins to show signs of straining under the load of work, we are giving it, that can be a cause of significant concern for a business. If your business paradigm dictates that the load of traffic or system resources could be pushed to beyond what the computers can do with their existing computing power, that weakness in the IT infrastructure represents a significant risk to the company should the system become overloaded when there is a large body of work to be done by these machines.

What not every business person knows is that there may be a hidden goldmine of computing capacity already resident in your IT resources that simply is not being tapped to its fullest. You know that it isn’t uncommon for your IT professionals to report that your systems are at 80-90% capacity and must be upgraded to handle the next big increase in business.

That hidden goldmine is a discipline that has actually been around for quite sometime but is infrequently tapped in the modern business world. That discipline is called “capacity planning”. By implementing a capacity planning office and monitoring function, you can put the tools and the talent in place to precisely measure scientifically if your computer systems are at capacity of if there is just a need for system tuning or realignment of computing schedules to get more out of the systems you already own.

Recently a large oil company in the Midwest noted that many of its mission critical functions were being delayed in processing, seemingly because the computer systems were overloaded and in dire need of an expensive and time consuming upgrade. Capacity planning measurements were taken and the system was diagnosed to determine what the real problem was and it was found that job priorities of new functions were not tuned to the load of the system at critical time frames. The adjustments were made by talented systems administrators and the IT infrastructure continued to perform at top-notch capacity and the delays were eliminated with no additional hardware or upgrades needed.

By utilizing capacity planning software tools and enabling your IT team to take advantage of this highly scientific computer measurement and prediction method, the business can get the most out of its computer resources and use its corporate resources to further the business objectives of the company. And that benefits everyone.

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Credit Card Processing Online Service

21 Maret 2010

Establishing and controlling business is a far more complicated task nowadays. Market demands for more and we need to make a more progressive movement concerning on our business. Several developments and improvements are needed to be addressed to be able to survive the business as well as fulfilling market needs. However, we may need money to do so.

Fdis-westcoast.com dedicates the service to overcome this problem. This website understands and agrees that certain people need to accept credit card for more possible move on business. This websites is a professional website providing special service concerning on credit card processing. It makes sure that people receive credit card through its’ recommended strategies called the merchant credit card processing which is very well known for its effectiveness and efficiency. Therefore, this website offers business merchant. The offered business merchant are the small and mid size business. This credit card processing services cover certain field of business merchant like gas stations and convenience store, quick service restaurant, e-commerce, wireless, and health and beauty business.

This is a great chance for you to move higher and better. Visit the website and browse the detail information. We can also call their provided number and gain more information concerning on this business merchant. Access the service and experience the service!

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Land Banking Guides

18 Maret 2010

Land banking is a relatively new investment concept that allows smaller investors to own a piece of valuable land.

How does land banking work?
When large parcels of land are put up for sale, they are usually far too expensive for a single small investor. Land that’s in a good place for residential or business development is usually either bought by a land investment company or by a property developer. The owner then “banks” or holds onto the land until they are ready to sell it or develop it. During this time, they can parcel the land up into smaller, much more affordable section and sell these sections to private investors. Each investor holds the freehold to their land, and can sell at any time, although the best profits are usually realised when planning permission is granted for the site.

How much does it cost?

The cost of the land to small investors will depend upon the type of land, the potential for development and the size of the land. For as little as £5,000, investors can buy a good-sized piece of land in a prestigious location. You can, of course, choose to spend much more, and the land parcels are often graduated in size to accommodate a range of investors.

Is it complicated to buy?

Land is easier to buy than property. It is still a legal contract, though, so it’s worth getting it checked by your solicitor. The straightforward nature of the purchase means that it can often be completed within 28 days.

Can I sell it?
In most, if not all cases, when you buy the land, you also acquire the freehold. This means that you can sell the land on at any time. Most people hold on to their property for between 2-8 years, to realise profits from the development of the site, but you can sell whenever you want or need to.

Where do I start?

If you’re interested in land investment, then talk to a land agent. They will have a variety of sites on their books and have the experience and expertise to guide and advise you throughout the process.

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A Problem Called ‘Credit Card Debt‘

14 Maret 2010

Credit cards are no more a luxury, they are almost a necessity. So, you would imagine a lot of people going for credit cards. In fact, a lot of people posses more than one credit cards. So, the credit card industry is growing by leaps and bounds. However, the credit card industry and credit card holders are posed with a big problem called ‘Credit Card Debt’. In order to understand what ‘credit card debt’ actually means, we need to understand the workflow associated with the use of credit cards as such.

Credit cards, as the name suggests, are cards on which you can get credit i.e. make borrowings (your credit card debt). Your credit card is a representative of the credit account that you hold with the credit card supplier. Whatever payments you make using your credit card are actually your borrowings that contribute towards your credit card debt. Your total credit card debt is the total amount you owe credit card supplier. You must settle your credit card debt on a monthly basis. So, you receive a monthly statement or your credit card bill which shows your total credit card debt. You must pay off your credit card debt by the payment due date failing which you will incur late fee and interest charges.

However, you have the option of making a partial (minimum) payment too, in which case you don’t incur late fee but just the interest charges on your credit card debt. If you don’t pay off your credit card debt in full, the interest charges too get added to it. So your credit card debt keeps on increasing, more so because the interest rates on credit card debt are generally higher than the interest rates on other kind of loans/borrowings. Further, the interest charges add on to your credit card debt each month to form the new balance or the new credit card debt amount. If you continue making partial payments (or no payments) the interest charges are calculated afresh on the new credit card debt. So you end up paying interest on the last month’s interest too.

Thus your credit card debt accumulates rapidly and soon you find that what was once a relatively small credit card debt has ballooned into a big amount which you find almost impossible to pay. Moreover, if you don’t still control your spending habits, your credit card debt rises even faster. This is how the vicious circle of credit card debt works.

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Money and Consolidating Debt

11 Maret 2010

Debt Consolidation is a means of simplifying payments of debts. It is a method wherein you pay all your debts using one single loan. On the other hand, it may extend your repayment time. It would also mean an increase on your finance charges. Refinancing is one option to lower interest rates.

Let us take a peek on the advantages and the disadvantages of debt consolidation.

As its plus points, it requires only one monthly payment rather than numerous. This simplifies bill paying. It assures also that the bill is paid on time. When it comes to interest, it may also have lower interests than other debts.

As its minuses, reduction in the monthly payment may tempt you to take on more debt. What’s worse is that you may lose your home if you take out a mortgage to pay off unsecured debt.

A well-chosen consolidation plan is necessary so that it will not push you to a deeper pool of debts. There are certain means to get money for debt consolidation. Here are some of them:

• Borrow money from yourself
Money from your savings accounts, Certificate of Deposits (CDs), stocks, bonds, or retirement could be of use or consolidating debts. It just takes risks because this amount may serve as your emergency fund. You may need it ay time soon.


• Borrow from family and friends.
It sounds easy to borrow from this group of people but not paying the said amount properly or just being on time will ruin the relationship.

• Pawnshops
It can give money instantly but only 30-50% of the real price of an item.

• Lie Insurance, Loan Account or Home-Equity Loan
Are also means of money for debt consolidation but they post disadvantages.

Just bear in mind, a consolidation loan is fine if and only if YOU:

- Have a high amount of debt;
- Have a very high interest rate on that debt; or
- Are considering borrowing more money at a high interest rate.

If you are not committed to repay the debt, you are tempted to use “freed up” money to have more debt or you are risky enough to lose your own car, debt consolidation is not a good idea in any side o the spectrum.
You have to think of some alternatives and not resort to consolidating debt.

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Money Matters: Punches of Debts

07 Maret 2010

Debt, who has not experienced having it? Who does not get pushed to a situation to have it?

Money says it all. Though some people say that money is not the most important thing in life, the paradox happens around us. People do everything just to keep their pockets full. Many even tries to do all means just covet it without considering the morality of the action. People dive, box, steal, swindle just for that thing. People want to live with comfort. Affluence is so influential today. Money pulls opportunities nearer to one. Just imagine one day; you realized that you have too much debt. What will you do? Hide or seek?

There are these effects which are less talked about but they are so true. If one’s debt pile up, it will really give a hard time to the individual. Just the thought of soaring bills, the soonest deadlines, the fines if one could not pay on time… All of these will really make one go mad. Not only mad but-

First, one’s self-esteem will trim down due to the thought that one is so bad to have allowed himself to be in that situation. This effect is proven by many situations. The sudden change in one’s grooming may tell. Keeping your confidence in this kind of scenario is a must. Letting go of one’s self-esteem may just ruin your entire life. The frustration of not making it well will really affect a person’s perception of his very self. He thinks he is the cause of the entire problem. Sometimes, past frustrations will also be opened again.

Stress is a major problem by modern-day people. When one is stressed out due to worrying about his debts, like what if he is going to be put behind bars due to it? These continuous thoughts will really disturb the person psychologically. This will give one anxious moment. Lose of appetite will follow soon. Sickness will follow. Not only lose of appetite but also lack of sleep because of thinking so hard will cause a person to get thinner. His resistance to physical challenges will not be good like it used to.

The most painful blow of having so much debt is the walls it will build within a family. Since you are so affected by the problem, you get irritated so easily. Family members will also share the sentiments, like frustration and shame. There are even times when you will blame each other for the misfortune. Arguments, complains and blames will bloom out of the blue. People involved will surely feel the pain of the situation. A family will be divided, a friendship may crack down. Worst, untoward cases of inflicting deeper degree of pain will be the consequence.

Life is a gamble. WE cannot have everything but we can do something n order to set the path we want to take with our beloved family. Borrowing money is fine. Just see to it that your resources are enough to pay it- on time.

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EVILS of MONEY

05 Maret 2010

It is always believed that money is the root of all evils. Yes, it could be but it is not all-true. We need money for our needs. If used well, it is the greatest material asset you could have. But, if you let yourself get carried away with the things and the services money could afford without proper use would result to negative outcomes.

Money could be an angel and save you from worries and give you a life of comfort and of convenience.

On the other hand, it could lead to a worse situation.

• Money could be the source of the guts to be into gambling and other forms of vicious activities. This would further result to even worse outcomes.
• With money, materialism is also growing. Too much of it would be very negative in effect.
• People gets too reliant on money and laziness or tardiness are triggered. This of course plunges down the dignity of work.
• Money is the cause of selfishness and greed for most modern-day people. With the wrong perception that money would make one feel happy and secured, people do all means to covet it.
• Relationships are broken due to the disagreement in money matters. Feuds blow up when money is at stake.
• Money in form of prizes, people tend to rely on their luck by joining games of luck and become too impatient of working hard.
• Fraud in the government like corruption rooted from the influence of money.


As we see it, it is not money that is evil. How people see and consider money is what matters most. Through time, money has become the wrong core of lives people have. Due to such, misery wraps the world and it all falls back to the fact that majority of people around the globe has the thinking that money buys all and money influences all.

In a shallow look, these are true but beneath the materialistic worldly eyes, there are things that money could buy and the things that are of huge essence are not necessarily things.

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Playing in No-Deposit Online Casinos

03 Maret 2010

What can be better than getting a jackpot without paying for a deposit? On the other word, just by playing an online casino game, we can get money for free without risking any of our money. Well, some online casinos are using such method to attract customers. It is called as no- deposit online casinos. Even though we have no risk on losing our money, but it does not mean that there is no consideration to think about.

When playing no-deposit online casino, make sure that we choose the top list online casinos, so we can get a fair play and bonus. Next, if we have our favorite online casino, we can check whether they offer no- deposit games or not. We should not forget to check the cash out term and condition so when we won the gambling games, we have fulfilled the requirement to cash it out.

Well, gambling is not always giving us a jackpot or bonus, but with the no- deposit gambling & slot, we will have the opportunity to have some fun with the online casino games and practice our gambling skill without risking our money. It is a worth to try gambling method, moreover for the beginners.

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Playing in No-Deposit Online Casinos

What can be better than getting a jackpot without paying for a deposit? On the other word, just by playing an online casino game, we can get money for free without risking any of our money. Well, some online casinos are using such method to attract customers. It is called as no- deposit online casinos. Even though we have no risk on losing our money, but it does not mean that there is no consideration to think about.

When playing no-deposit online casino, make sure that we choose the top list online casinos, so we can get a fair play and bonus. Next, if we have our favorite online casino, we can check whether they offer no- deposit games or not. We should not forget to check the cash out term and condition so when we won the gambling games, we have fulfilled the requirement to cash it out.

Well, gambling is not always giving us a jackpot or bonus, but with the no- deposit gambling & slot, we will have the opportunity to have some fun with the online casino games and practice our gambling skill without risking our money. It is a worth to try gambling method, moreover for the beginners.

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