Everything About Payday Loans

June 23, 2017

The statement that a payday loan will be your sheet anchor when you desperately require cash is rather sketchy. They, without any doubt, have got their very own positive factors. Nonetheless there are actually many disadvantages to this type of financial loans. I personally try to step back from this form of lending services. Nonetheless let us evaluate pretty much all advantages and drawbacks of these loans to create an objective view on this credit service.

In actual fact, payday loans are money advances. When you get caught up in between your pay days with no money in your purse, you desperately require some funds from an outside source. Moreover if you are faced with various unpredicted expenses, you have got very poor credit rating, and credit cards aren’t any option for you, a payday loan is what exactly will be able to assist you to make it through until you obtain your next paycheck.

Dealing with such kind of financing is merely like dealing with pretty much any other loan. You simply borrow a certain amount of cash with a commitment to return it back at the pre-agreed fee and rate.

Payday Loans Costs

Different creditors sanction loans at various fees and rates. And this particular problem actually is a drawback of these loans. You will often shell out from $ 15 – $ 30 for receiving $ 100. In terms of interest you would require to pay, it’s really drop-dead enormous. The interest rates range in between 390% and 780%. And this is really the worst part with regard to these loans. Let’s now proceed to the more pleasant aspects.

Applying for a Payday Loan

The procedure for payday loans application is very simple. You can execute it on the Web, or go to a loan office. You complete a loan application and give a few personal details for a loan provider to make a loan decision. The requirements are usually pretty much the same: you have to be at least 18 or above, need to have a stable employment with a minimum monthly income of $ 1,000, and also a checking bank account. You will, quite possibly, be asked to give your social security number, copies of bank accounts and pay stubs. In case you fulfill all the specifications, you can be positive that you would be approved for a loan. Thereafter you normally have got to hang around for 24 hours (or less in some instances) and you will have the access to your cash.

Payday Loans Positives and Negatives

Payday loans really are a solution for cash-strapped individuals. In the event that you desperately want to get hold of some cash and you need the same fast, using a payday loan is certainly much better than stealing a bank. Another nice thing with regard to such sort of loans is that by getting one you do not expose yourself to a long term obligation, such as whenever managing a typical bank (when you get a mortgage, a car loan, or a reward charge card). You’ve got to pay back the money borrowed soon after you receive your next paycheck. Usually, the ceiling on the highest possible sum of money you can borrow is $ 2,500. Therefore, this is one more advantage of such loans. You just won’t bury yourself in big debts. And payday loans end up being significantly less expensive as compared to bounced checks.

So, when you have a heap of bills to pay one day and no credit line or cash available for doing it, consider getting a payday loan. It is usually a good backup strategy for you. However be responsible with respect to paying it off on time, otherwise, you will encounter big charges and might get the sticky end of the stick. Recollect payday loans primarily in some cases of unexpected emergency, not whenever you feel like purchasing a new designer’s suit or jewelry.

Choice of E-Cigarette Cartridges

June 20, 2017

It is a fact that technology is fast growing increasing convenience and affordability. E-cigarettes are no exception. They are a replacement to normal tobacco cigarettes which inconvenience others. They generally have cartridges in them that contain nicotine in varying concentrations. There are different types of e-cigarette cartridges available. You can choose one as per your wish.

Electronic cigarettes or e-cigarettes are machines that resemble normal cigarette and give you the same kind of taste and flavour. E-cigarettes have cartridges of different types which are used for smoking. These cartridges contain nicotine in different dosages. There are also different flavours available in the cartridges. To know which one is right for you, first know the various types of cartridges available. In the market, currently there are three types of e-cigarete cartridges available- one, two and three-piece. All of them have their own positive and negative points. You choose the right cartridge depending on your machine and your preference.

One-piece e-cigarette cartridge

These are disposable type of e-cigarete cartridges. You throw it after use. You can use it to test an e-cigarette machine and decide if it works for you. There is a pre-charged battery that comes along. So you can use this immediately after buying. However, remember to dispose the battery along with the e-cigarete cartridges after use. To activate the battery, twist the battery or remove the safety tab so that the battery gets started. Pour the liquid into the atomizer and it is ready for use. This type of cigarette cartridge is cheap and easy to use.

Two-piece e-cigarette cartridges

Also known as cartomizer, the two-piece it can be refilled whenever needed. They are very convenient to use. You must remember to recharge the batteries from time to time and replace the liquid in the e-cigarete cartridges. However, if you use these types of e-cigarette cartridges on a regular basis then the atomizer will wear more quickly than other varieties.

Three-piece e-cigarette cartridges

This type of e-cigarette cartridges contains a battery, liquid and atomizer. This is the most preferred among all other cartridges by long-term smokers. Some beginners also prefer this because it is easy to use. These types of this are refillable and users can also modify them. However, one disadvantage of a three-piece e-cigarette cartridge is that it wears out more quickly than two-piece e-cigarette catridges. This is because the combined performance decreases due to continuous use.

Consumers are hard pressed for choice with these three different types of e-cigarete cartridges. While each one has some advantage, they also have some disadvantages. To decide the right type among all the e-cigarete cartridges for you, consider the number of times you smoke and your budget. If you keep buying cartridges from time to time then it will be an expensive venture. It may prove more expensive than buying tobacco cigarettes.

Shopping For Used Clothing Accessories

July 10, 2017

We all know that accessories can make or break an outfit. Handbags, belts, shoes, scarves and more help to create a unique fashion statement for their wearers. Keeping up with the latest fashion trend can be expensive for shoppers. Accessories are a great option to create a fashion trend without changing your entire wardrobe each season. For affordable accessories, consider shopping in used clothing stores.

Millions of people donate and sell their unwanted accessories every year to charities, resale shops, consignment shops, flea markets and to online auction sites. A large quantity of used clothing and accessories that are available are barely used and some even have the original price tags on them. When you shop for used clothing accessories you will find quality pieces at affordable prices.

To start, browse your local physical stores by looking in the YellowPages, using your online search engine and asking your friends and family. Make a list of places that you would like to consider and then map out a plan to visit them. If you are looking for newer clothing accessories, consider visiting consignment shops first. Most items that you will find at a consignment shop are between 1-3 years old and you can expect up to a 50%-60% discount off of the retail price. If you are looking for a super bargain, start by searching thrift stores and flea markets. You may need to be willing to dig, but you will be sure to find some very nice, inexpensive items. Next, search your local resale shops as they offer a mix of old and new used clothing accessories and are generally a bit more organized than a flea market or a thrift store.

As you are shopping, be sure to also take an inventory of your current accessories and the items that you are looking to replace. As you are going through your closet, you will probably find unwanted clothes and accessories that you can even sell to generate funds to make some new accessories purchases. Be sure to take those items with you on your shopping trips.

When you are shopping on an online auction or consignment site, accessories are often sold in “Lots”. Lots are groupings of like items that are sold as a single unit. The advantages of lots are that you get a large selection in a single purchase, but the disadvantage is that you may not always know what you are getting. Single items that are more expensive are typically sold individually. Be sure to read the item descriptions carefully so that you know what you are getting and take into consideration what the shipping costs are going to be in your overall sales price. When you are making your online purchases, be sure to use a secure site and a reputable company to ensure your security and your privacy.

Shopping for used accessories online and in physical used clothing stores is a great way to build your wardrobe, to keep up with the trends and to find affordable items.

Riding, Running and Rebounding For Health and Fitness

July 11, 2017

What do horseback riding, cycling and running all have in common? Simple! They all require a strong, lifted core to execute and maximize the exercise. That means that rely on the use of the abdominal center, erectors of the back and spine, tuck of the butt and lift of the lower back to maneuver and they also require/benefit from open, lifted and proud shoulders.

It also should come as no surprise that the cross-training benefits of yoga and pilates, in building core strength, re-aligning musculature and developing mind-body connections are transferable to these exercise disciplines. What might surprise and delight is the use of a rebound exercise tool, the Kangoo Jumps, as a recommended resource for the devotee of riding, cycling and running to maximize cardiovascular training and effectiveness.

A young woman wrote to me recently, looking for a way and a recommendation as to how she could put less stress on her body (knees, joints, ankles, hips) while gaining aerobic and cardiovascular conditioning. A lover of Pilates and equestrian sports judge by profession, she wanted a way to maximize her fitness programming, increase her cardiovascular fitness training while preventing injury to her body. She didn’t want to run anymore because of the stress and strain it caused to her knees. I knew her connectedness to nature, the outdoors and the feeling of control through movement was tantamount to finding success for her training. While I don’t ride horses, I do understood the desire to avoid the body breakdown caused by of running. Torn, as she was, as I find it to have the closest connection one can duplicate to the experience of riding in the open, free space and having a connected feeling to the elements.

I understood the need to avoid the body breakdown as it was my personal pursuit a few month earlier. As an exceptionally active person, the older I got, the more pounding, I experienced on my knees, heels and hip joints and less and less I enjoyed running 3 miles, 2x week to keep my weight in check. As a result, last spring, I bought a pair of Kangoo Jumps and totally eliminated the pain (and recovery) in each and everyone one of my workouts. For that reason, I recommended the same option to her.

The shoes are based on rebound exercise and are a low impact rebound sport shoe designed to provide a safe platform for jogging and other exercises that are hard on the joints. The boots use a lightweight spring to absorb the shocks due to impact on the ground and create a rebound effect that reduces shock impact on ankles, knees, hips and lower back. They are Swiss designed for joggers, however, they also provide benefits for athletic strengthening and conditioning, rehabilitation and injury prevention and group aerobics. The unique “floating above the ground” sensation created by Kangoo Jumps has to be experienced to be understood.

Core balance and control are two other variables (and benefits) of using the shoes for training.

Quality vs Quantity

Kangoo Jumps deliver the benefit of 50-minutes exercise in only 20 minutes and the injury prevention potential has already caught the attention of several elite football teams. The boots can be used indoors or outdoors on paved roads, dirt paths and grass as well as at the beach or on snow. N.A.S.A. has found rebound exercise to be the best form of exercise for astronauts because it restores bone and muscle mass lost during time spent in outer space. Consequently Kangoo Jumps are recommended for people suffering osteoporosis, with the “slow-motion” steps and exercises of Kangoo Aerobics make it suitable for middle aged and senior people.

Other Cardiovascular Options

The other option I recommended, and one I personally use during the warm weather months, to avoid joint pain, is a road bike. A road bike and a trail can make a world of difference in clearing your head while building cardiovascular strength. Climbing hills with a bike will give anyone keen cardiovascular training.

As a Pilates and equestrian sports devotee, my friend already understood the reliance on core strength and easily made the connection that these two disciplines were good cross-training modalities to support the prevention and overuse of muscle and back pain; typical injuries and imbalances caused by cycling.

Internet Marketing: How To Build A List

July 12, 2017

The first thing you will need to do is choose a niche from one of the three main markets:

  1. Health
  2. Wealth
  3. Lifestyle

What is a niche?

A niche is a specific segment of a market. For example, in the “Health” market, a niche could be losing weight, eating right, organic food, health eating, gaining weight, skin care or quit smoking. In the “Wealth” market, a niche could be internet marketing, debt relief, working from home, starting your own business, or trading online. In the “Lifestyle” market, a niche could be dating, computer games, pets, relationship advice, online study courses or stress management. These are just a few ideas. If you are still not sure of a niche, you can look on ClickBank for ideas.

What is ClickBank?

ClickBank is a secure online retail outlet for more than 12,000 digital product sellers and 100,000 active affiliate marketers. Some people refer to it as the Amazon.com for digital products. Once you have chosen your niche you will need to build a list.

How do I build a list?

To build a list you will need to do 2 things:

  1. Generate traffic to your website
  2. Capture the name and email address of visitors to your website

How do I do this?

  1. Join forums in your niche. For example, if your niche was “losing weight”, you could perform a search on Google for “weight loss forums” or “losing weight forums”. There will be many to choose from. Have a look at several of the forums and join a few of the ones you like. Once you’ve joined some forums in your niche, contribute to them on a regular basis by posting comments, tips and information that visitors to the forums would find interesting or useful. For example, if your niche was losing weight, you could post tips on losing weight quickly, comment on posts made by other forum members, etc.
  2. Create a short report of useful tips and post a thread about the report in the forums. The report should contain links to your website and also be full of useful information. Offer the report as a free download – people love freebies. Tell visitors they will need to provide their name and email address to download the free report. If the report is of great value, visitors will provide this information willingly. This is a great way to build your list – offering something of value to people.

Top 5 Outdoor Activities For Kids

July 9, 2017

Finding safe, fun outdoor activities for kids in all weathers may be a little challenging but definitely isn’t impossible. With the right kids clothes outdoor play can be enjoyed on most days. Anyone can find something fun and exciting to do during the warmer weather but what about those wind-swept autumn days or frost-bitten winter mornings?

Actually, finding something to do in all weather is more about an attitude change than an activity change. More and more these days we feel it may be too wet to go out or too cold when actually even a short period outdoors in inclement weather can make for a lot of fun.

A New Twist On Old Favourites

Not only can the activities be entertainment but it is a perfect way to teach children to be more aware of the world around them and how seasons work to affect the plant and animal life on earth. This in turn will bring them to think with empathy on other ways of life and how to better care for their environment.

Backyard cricket – This iconic game of Australia is a summer played sport but that doesn’t mean you can’t play forms of it in other seasons. You can use it to link back to some of our heritage and even use it to explore the cultures of the other countries that play. Tippety Run is an easy form of the game where you must run between wickets anytime the ball is hit. Wickets can be anything, even plastic rubbish bins, and because it is an active game it will keep kiddies warm on cooler days. It teaches teamwork as well.

Kite Making – the best things about kites is they need a windy day to fly so autumn and spring are going to be perfect. Of course, no electrical storms for flying but a good stiff wind is perfect and means less work to get the kite off the ground. Children will find these easy to make and with some encouragement and some basic kite flying principles they will soon be doing their own designs. The tails can be long and fancy and a big kite is a wonderful group project. This is a great way to discuss how birds fly and what other things might be found airborne in the autumn and spring. Older kids can learn about the power in lightning and how it can travel to the earth.

Treasure Hunt – Depending on where you live and how safe you feel the children will be wandering around it may pay to split into teams with an older teenager or adult with no more than two younger children. Toddler and preschoolers should always have adult supervision. You may need to take a drive to find a suitable spot if you live in a city.

A rock the size of a 20c coin
The longest stick you can find
A spiky leaf
Something the shape of a love heart
This can be done in several ways and is fantastic for all age groups; you simply adjust the clues according to age group. You can also award prizes for certain categories. A sample list might be:

You can tell them not to destroy anything living to get the objects and even a few showers won’t hurt this one at all. Just get them to don the raincoats, hats and boots and get excited about going out into the rain for a little while.

Outdoor Painting – Painting outdoors is perfect if there is going to be a big downpour likely. It’s easy to do when the cement or walls are already wet. Use big paintbrushes and safe, water soluble paints. Even big pavement chalk is fantastic to run out in between showers to draw and then watch it get washed away. This is the perfect opportunity to discuss how rain is formed in the clouds and what happens when it rains. Kids can watch the clouds moving fast in a stormy sky and make up stories about them and then try to paint those stories. Imaginations will run wild.

Sprinkler Play – Once before we could turn on the sprinkler on a hot day and play until our heart’s content. But the reality of water shortages is pertinent today and responsibility with water is an important thing to instill in our kids. They can still have sprinkler play but place the sprinkler into a pool and discuss ways to reuse the water when they have finished with it. It might be to put on the winter veggie patch that you sow in early summer. Water is an excellent source of education and play. Rainy days can help to show children what happens to water, where it goes after the drain hole, and what effect it has on the place it ends up in.

There really is no limit as long as you don’t mind a bit more kids clothing in the wash. Once rugged up well even breaking ice in puddles on a frosty morning is so much fun. There is a huge variety of kids clothes and kids protective clothes available today so no more excuses about the weather being bad, go and enjoy our world.

First Date Clothing Suggestions For Men

June 18, 2017

Dressing smartly and suitably for a date is an area which some men unfortunately overlook and feel they don’t need to make an effort dressing for a date. This is the first mistake a man can make when going on a date. Having said that, not all men overlook this area; there are some men who spend hours getting ready for a date but wouldn’t admit it. Wherever you decide to go on a date, regardless of the class, it is vital that you appear to have made an effort and turn up looking your best wearing a freshly washed and ironed outfit.

First impressions can make or break a date, so the importance of looking smart cannot be underestimated. Along with being washed and ironed, clothes must fit properly, be stain free, be hole free, not too tight, not too baggy, not garish and not old and faded. It is also important that the outfit you choose to wear on a date is suitable for the date location plus matches your age. Dressing older or younger than your actual age will only make you stand out. By dressing too young you may appear like you are trying to recapture your youth resulting in your date believing you have other personal issues going on. Alternatively dressing too old could be off putting for your date. You want your date to look at you and feel happy to be on a date with you, not to wonder what they have got themselves into.

The easiest date to dress for is a casual date. This may include going for a drink in a bar, going out for fast food or a visit to the cinema. For any casual date, it is perfectly acceptable to wear jeans. It does not mean that you can dress down or wear jeans that have seen better days. Jeans should be in good condition and have a perfect fit, especially around the bottom area, which is where most women tend to have a good look at. You can choose between a variety of tops to accompany jeans, such as a t-shirt, a poloshirt, a casual shirt or a sweater. Poloshirts are ideal if you have a good physique and you wish to show it off. If the weather is cold, then a casual jacket is suitable. If you decide to wear a t-shirt, it is best to avoid garish colours and stay away from novelty t-shirts, at least for the first date anyway. If you decide to tuck your top into your trousers, remember to wear a belt to add a finishing touch to your look.

You can get away with wearing jeans on a casual date, but if you are going on a classy date, then they are not appropriate. A more formal look is required for a classy date, such as a visit to the theatre or a meal at a fancy restaurant. It’s a good idea to own a suit, ideally in a dark colour such as charcoal grey or navy, as you can create a number of different looks using just one suit. You can wear a variety of different shirts and ties with a suit or you can change your look entirely by wearing the suit trousers with a casual shirt, or even wear the suit jacket over a casual outfit to create another great look. If you choose to wear casual attire on a classy date then all you will achieve is showing your date that you couldn’t be bothered to make an effort, plus you will stand out especially if your date is wearing a stylish dress. Once you have chosen your outfit, don’t ruin the look by wearing inappropriate shoes. Formal footwear should be worn when going on a formal date. Trainers, sandals, pumps and boots are not appropriate. Formal shoes must be clean, match the outfit and comfortable to wear. If you are wearing a belt with your trousers, then ideally your shoes should be the same colour as the belt. Footwear is an area that women tend to notice, so great footwear can leave a great lasting impression on your date.

An active date, such as playing a game of tennis, or going walking together, requires a different look. It is necessary to wear sports gear and not forgetting supportive footwear. Clean modern jogging bottoms or shorts are appropriate, just as long as shorts aren’t too small and tight and jogging bottoms aren’t baggy at the knees. A t-shirt, long or short sleeved is suitable and if the weather is cold, then a sports jacket or a sweatshirt can be worn. Dressing for a sporty date is not a time to put fashion before comfort. You need to dress in clothes that won’t restrict your movement plus feel comfortable to wear; remembering to check that they are clean before you put them on, including your footwear.

If your date has arranged the date and you don’t know where you are going, then you need to wear an outfit that is suitable for a range of date locations. A good suggestion is a pair of smart trousers accompanied with a fashionable shirt and a stylish jacket. A stylish jacket, such as a suit jacket will be appropriate if your date has booked a table at a fancy restaurant, and a fashionable shirt is sufficient for any casual date and even a slightly classier date. There is no need to wear a tie, but if you prefer, you could always conceal a tie in your jacket pocket in case you find yourself going to an upmarket venue. If you feel overdressed, you can remove the suit jacket to reveal your casual shirt. It is always better to be slightly overdressed than underdressed, which will show that you have made an effort.

Along with clean, ironed, fresh smelling and well fitted clothes, it is a good idea to turn up for a date clean shaven, showered and smelling great. Smelling good is very attractive to women, just don’t overdo the aftershave or body spray. Don’t leave your decision making to the last minute. Think in advance about what you wish to wear and take your time getting ready. The last thing you want is to turn up for a date feeling flustered and worried because you forgot to shave or put on deodorant. Planning your outfit in advance and looking like you have made an effort are the two main keys to dressing well for a first date.

Think Before You Shop for Cheap Jeweleries

July 12, 2017

Researches have suggested that cheap jeweleries can be a nightmare! Fashion frenzy crowd love to flaunt matching jeweleries to add oodles to the unique style statement. It really works, but not always. Many women wearing cheap fashion jeweleries complain about painful red swelling and blisters. Even accessories such as belt buckle may cause allergy to the sensitive skin.

The research community claims that the main reason behind the allergic reaction is the nickel content of the base alloy used for making these jeweleries. Nickel has an affinity for particular immune-system protein, which functions to detect harmful invaders. When nickel comes in contact with these proteins,  it identifies them as an infectious agent and triggers allergic reaction.

In susceptible people, the immune system goes into overdrive. This produces various symptoms such as burning, itching, redness, swelling and blisters.

The advise is to take nickel allergy seriously as it considered to be a major health hazard. So, next time you go for shopping think before you purchase designer jeweleries. If you are looking for something that is affordable and stylish as well, consider silver or sterling silver jeweleries. The assortment of studded silver jewelery are available in spectrum of designs with colorful beads. You can always find a perfect match for your attires.

Even for new piercings, sterling silver jeweleries are considered to be safe. However, it should not be worn on mouth or areas where the skin is moist. So stay stylish but always be conscious, when you make your choice.  

The Most Profitable Business Sectors in 2010

July 14, 2017

Entrepreneurs dream of and start businesses for a variety of reasons. Some hate the jobs they are in, while others dislike the politics of a big office environment. But most would agree that the lure of freedom and flexibility were huge motivating factors.

Regardless of the rationale behind their decision, one criterion is more critical than any other: They want to make money and support their families. While it is easy to get distracted by chasing customers, growing top line revenue and expanding premises, the simple business fundamentals – profit and cash flow – determine whether the entrepreneur’s dream will ultimately last or turn into a nightmare.

It is almost impossible to predict the success and financial health of a business by looking at the number of employees, the look/feel of the website, the size of the office or the resume of the owner. Most of us would assume that the only way to really know, is to get a copy of and read the financial statements. While this is a great idea and valuable exercise, there is also another, easy way to narrow down your choices. You could simply choose to start or buy one of the Top 10 Most Profitable businesses – i.e. a venture that statistically has the highest probability of being financially successful.

Sounds straightforward, doesn’t it? But how [exactly] do you find out which businesses are on the list?

It is not widely known in the marketplace, but there are in fact certain industry classifications which have a track record of high net profit margins and solid cash flow. There are also certain characteristics and financial metrics of these select businesses which exponentially enhance their profitability. So much so, that these particular businesses are 5 to 10 times more likely to survive and thrive.

1. Consultants, experts and speakers
This industry includes business advisors, authors, coaches, therapists, psychologists, authors and paid speakers. On average, these businesses enjoy high per hour rates, carry no debt or inventory and have very low fixed expenses. The number of professionals in this area is growing rapidly each year and they are consistently generating net profit margins of 25-35%. Not bad for a business that is borne out of one person’s expertise – the large majority of these businesses employ less than 3 people.

2. Accounting and financial services
While this industry may sound boring – bookkeeping, payroll, tax compliance, accounting advice and software, advisory services, financial/investment advice etc – these practitioners become a whole lot more interesting when they are standing on their wallets. These businesses tend to have the longest client relationships (as most people perceive a huge risk inherent with switching to a new provider) and thus the lowest churn rate and the lowest cost to acquire and retain clients. They enjoy profit of around 23-26%, have enormous pricing power and their services are seen as must-haves, not discretionary spends. By and large, they also tend to have low operating expenses per client and as a percentage of sales.

3. Legal specialists
Despite their reputation as sharks and bottom feeders, lawyers make excellent profit and cash flow (on average 20-24% net profit margin). Their success factors mirror those of their accounting and financial services colleagues. Most clients are attained through WOM and referrals (keeping marketing costs low) and they tend to stay with their advisor over the long term as there is a perceived risk/cost to switching attorneys. Lawyers are fantastic at generating repeat business and up sales. Some of the most profitable areas include DUI defence, criminal law, tax and estate planning and divorce law.

4. Dentists – general and specialists
Dentists have three key operating advantages – they are often able to treat multiple patients simultaneously, they enjoy high average dollar transactions (most of which is not covered by health care plans) and their operating costs are relatively low (when divided by the total number of patients serviced). Yearly maintenance services (cleaning and x-rays) produce high contribution margins and dentists do a great job of convincing us we need them regularly. On average, they spend more than any other health provider on follow ups and re-bookings. Fortunately, the cost of this direct marketing is much lower than the cost of acquiring new patients and produces returns of 18-22% for the practice.

5. Designers
No matter what they specialize in – structures, decor, your brand, high end clothing and accessories – these professionals have a flair for bringing in the money – in fact about 16-19% on the bottom line each year. These practitioners benefit greatly from high end pricing and relatively low variable product costs and operating margins. Their greatest assets are their customer lists and their time. The greatest risk for those who are not as successful in this area is productivity – either not understanding the time involved to complete a job or not charging market rates for their time.

6. Medical specialists and veterinary medicine
It pays to specialize. The medical profession is relatively recession -proof. No matter what, people and pets tend to get sick and we rarely opt to forgo seeking care and treatment. Surprisingly on the rise are highly discretionary services such as plastic surgery, Lasik eye surgery, lap band specialists, infertility treatment and hair restoration. These specialists are often able to charge outside of what is covered by public and private health care (earning profit of around 14-16%) and they earn much more than their general medicine counterparts.

7. Specialised health and alternative medicine
As with traditional medicine, it pays to specialize. Mental health, podiatry, chiropractic, naturopathy, acupuncture, physical therapists etc. enjoy profits of 13-15% due to high average dollar transactions, repeat visits, low cost of goods sold and low operating margins.

8. Eldercare and retirement services
As the average population continues to age, there is a growing strain on young families from both ends – the need to manage child care with a career AND the need to manage the transition of elderly parents into assisted living or full time care. As a result, placement services, retirement villages, aged care services etc. are growing and becoming more lucrative. Private services in particular can earn 12-14% before tax.

9. Insurance and mortgage brokers
These businesses often cost very little to start and operate and earn their money through 2 distinct streams – the upfront fee they earn for securing the deal and ongoing annual trailers (which can often grow to 80% of their total revenue). While recent changes in many jurisdictions have reduced or delayed their initial payments from banks and various institutions, the ongoing passive revenue streams make these profitable businesses at 11-14% on average. The perceived hassle of switching is high, thus most retain customers for long periods of time and promote/receive referrals regularly.

10. Online business, small deposit and lending institutions
The internet has made it possible for anyone to set up shop and sell goods or services online with little or no experience and low overheads. While there are many dud eBusinesses, the ones that are making money are doing it on a huge scale. The most profitable ones (selling services and membership continuity programs) are earning more than $0.20-0.30 cents on the dollar each year in net profit, but examples of these are few and far between. On average, the ones that sell products and/or services should enjoy 11-14% on the bottom line with no debtors, low inventory and a small investment in fixed assets. Specialised credit unions and private lenders are also enjoying profit margins of around 10-13% due to low overheads and a growing mistrust among consumers with the traditional banks.

From this list, we can draw several important conclusions. First professional services is a winner. Of the list above, 8 out of 10 business fall into the category of professional services. The core drivers of their profitability being steady demand for services(despite economic ups and downs), low overheads, high contribution margins and repeat business. Aside from law, specialized medicine, dentistry and accounting, many of these professions also enjoy relatively low barriers to entry.

More often than not, it pays to specialize. Businesses in niche areas are often able to set high prices, command high value sales with large contribution margins and generate both repeat and referral businesses. This lesson can also easily be extrapolated and applied out to traditionally difficult or low profit industries. Take for example, the restaurant business or general trades like welding or electrical services. By becoming highly specialized, these businesses can directly influence the success and viability of their enterprises.

And finally, size definitely matters. In the small to mid size sector, economies of scale in most industries kick in around $1m in revenue – and this is especially pronounced in industries that require an upfront investment in specialized fixed assets like medical equipment, manufacturing equipment and technology.

The Strategic Use of Information Technology

July 1, 2017

TEACHER: Hello, Student. What do you know about Information Technology (IT)?

STUDENT: Well, I know that most software is full of “bugs”! By the way, why are these errors in programs called “bugs”?

TEACHER: Computer “bugs” have been around since malfunctions in a 1945 Mark II were blamed (facetiously) on a moth trapped in a relay. Nowadays the term refers to programming flaws -commands that don’t accomplish the desired result. But I am sure you must know more about IT than the fact that programs have bugs!

STUDENT: Recently I read an interesting article written by John Diebold years ago. Allow me to quote from it:

“Information technology . . . is becoming increasingly the key to national economic well being, affecting virtually every industry and service. One would be hard-pressed to name a business that does not depend on the effective use of information: to design products and services, to track and respond to market demands, or to make well-informed decisions. Information technology will change the world more permanently and more profoundly than any technology so far seen in the history and will bring about a transformation of civilization to match.”

TEACHER: Interesting. There is no doubt that information technology is currently a major force with the potential to affect a range of organizations in fundamental ways.

The impact of information technology on business operations has been enormous and will increase substantially.

There is no doubt that a shift from an industrial economy to an information oriented service economy is under way; and no one knows when the process will slow down.

In essence, scale and the conventional dimensions of time, space, and mass will no longer be constraints on the products of the information age. Unlike the standardized product created for the mass market of the industrial age, the electronic delivery of banking services, for example, is scale-independent and intangible, provides instantaneous service, and is not bound by the physical location of the bank.

STUDENT: AmbaiU’s online courses are a good example! Students from all over the world can instantly access the courseware. The dramatic growth of the Internet’s WWW service has Uncategorizedly been an important factor in the growth of IT in general.

TEACHER: True indeed. Environmental trends like globalization and heightened international competition are speeding the movement toward increased IT use by corporations. The exigencies of worldwide coordination of operations and the need to react rapidly to global competitive threats have emphasized the importance of IT in the current business context. Dramatic technological developments in hardware, software, databases, and telecommunications have simultaneously pushed the utilization of IT further along.

STUDENT: So, is the sky the limit for IT?

TEACHER: Not exactly. At the same time, several factors are militating against the rapid deployment of IT. Among these are the still-slow development of appropriate software, long-standing difficulties in quantifying IT benefits (for justifying IT investment), issues of database integration, and the lack of standards (for the purposes of inter-organizational connectivity).

STUDENT: I also think that there was “over-investment” in IT in the last decade of the 20th. century and even at the beginning of the 21st. And what about IT and Strategic Management?

TEACHER. True, we are primarily concerned with the likely impact of information technologies on the practice of strategic management. The reason for adopting such a perspective reflects a fundamental belief that information technologies can potentially influence the core of a firms activities: Choices pertaining to products, markets, and technologies (the corporate strategy level), as well as competitive methods within each of the product-market segments (the business strategy level).

STUDENT: I assume this is why the role of information technology is becoming broader than that of the traditional Information Systems (IS) function, and is becoming a general management concern and challenge.

TEACHER: Good observation. We will consider three linkages that interconnect three important concepts -strategic management (SM), information technology (IT), and the management information systems (IS) function.

* Link 1: Management Information Systems with Information Technology

According to the traditional view, IS is a service function (just as accounting, human resources, or industrial relations) which is charged with the task of efficient data processing and administration of the management reporting and control systems. According to such views, systems are designed to cater to the informational requirements of different managerial roles and are identified using standard informational requirements assessment methodologies. In consequence, systems are evaluated using criteria such as timeliness, format quality, and reliability, reflecting the technical capability of the system. The implication is that the role of IT was conceived largely as the technical core of the MIS function.

Consequently, the important characteristics of this linkage were hardware and software support for the information architecture, and flexibility of design to support minor modifications in the information requirements or to respond to the fast-changing technical core of the system’s hardware.

The strategic planning level, by virtue of its unstructured nature of decision making, received minimal support from the traditional conceptualizations and role definitions of IS.

Link 2: Strategic Management with Information Systems

The description of Link 1 reflects a view that the charter of the IS function was derived directly from the informational resource assessment and had no explicit linkages with strategic choices at the corporate and business levels. This view was representative of the actual situation until the late 1960s and early 1970s, when the need to tailor the design of MIS to the requirements of the organizational strategic context gained currency. In 1968, McKinsey & Co. published a report titled Unlocking the Computer’s Profit Potential that called for a formal link between the design and implementation of MIS and the firms strategies and objectives. This publication urged managers to visualize the role of computers in business organizations as something beyond a data processing resource at the operational level of the organization and more as a mechanism that supports their strategy.

STUDENT: Even before that McKinsey report, William King proposed that the “IS-strategy set (composed of IS objectives, IS constraints, and IS design strategies) should be derived from the “organization’s strategy set” (composed of organizational mission, objectives, and strategies).

TEACHER: You are a well read student, indeed!

STUDENT: You might remember that I come from an “IT family.” And I keep hearing a complaint from my IT relatives: while there is concern within the MIS discipline to ensure that MIS is designed in accordance with the strategic contexts of the firm, the link in the other direction, from the corporate strategic context to MIS, is still largely ignored.

TEACHER: True, but this is changing rapidly. Also, several authors have called attention to the possibility of exploiting information and information systems for strategic advantages. As William King noted in an editorial comment in the Management Information Systems Quarterly,— Information (and IS) has the potential to be a primary source of (competitive) advantage in the marketplace rather than merely as a resource to be efficiently managed or a service that is periodically turned on and off as needed.

STUDENT: Can we then assume that many see the link between strategic management and IS today as a bi-directional, mutually interconnected link, implying a strategic role for the IS function?

TEACHER: Certainly, and it was about time. In a transition towar
d a strategic role, the goals and tasks of the management information systems function undergo an important transformation. The systems are no longer viewed in terms of informational support for operational decisions, but rather in terms of the realization of the organization’s strategic objectives, especially the achievement of competitive superiority in the marketplace.

Information systems with a charter to achieve competitive superiority are called “strategic information systems” and differentiated from the more operationally focused MIS. Indeed, MIS has been traditionally concerned with the operational control systems for relatively structured decisions based on readily available, internal data. In contrast, strategic information systems are designed to support relatively unstructured decisions, especially those that are intricately tied to the activities of the market-place.

STUDENT: I hear that usually such decisions require a combination of internal and external data that: are neither well structured nor completely specified.

TEACHER: Exactly. Although a perfect demarcation between management information systems and strategic information systems cannot always be made, the conceptual distinction is important enough to be recognized just as the conceptual distinction between strategic and operational decisions.

Let me mention some examples of strategic information systems operating at real companies:

American Airlines : SABRE reservation System -installed in most travel agents for booking airline, hotel, and rental car reservations.

American Hospital Supply Co.: ASAP-order entry system-installed in over 4500 medical establishments to order supplies on-line. The system is internally interconnected to several supporting systems

Citicorp Extensive use of automated teller machines and global transaction network. Several systems that support their strategies for electronic banking services.

McKesson Corp. Economost -order entry system that supports customers with inventory control and analysis of sales.

United Airlines APOLLO-Travel agency reservation system with several augmented services installed in about 7700 agencies.

Student, can you think of specific strategic objectives any of these companies have achieved through IS?

STUDENT: Well, I am sure that SABRE provides American Airlines with critical operating data that can be used for strategic decisions; travel agents hooked on to SABRE are likely to book on American more than other airlines.

TEACHER: Yes, some much so that the US government has stepped in and put some limit’s on SABRE’s propensity to favor AA!

Strategic information systems achieve their objectives through several mechanisms, but two deserve special attention. These are: (1) the reconfiguration of the information flows within an organization to provide competitive advantages relative to competition, and/or (2) development of inter-organizational systems that extend beyond the traditional boundaries of a single focal organization.

STUDENT: Are these modes are mutually exclusive?

TEACHER: No, but we will discuss them independently.

Reconfiguration of Information Flows

Let us consider the case of an airline that uses timely data to increase its load factor -perhaps the single most critical factor for achieving success in the airline industry. By developing a strategic information system designed not only to continually collect data on flight bookings, but also to compare current sales against historical patterns, the airline can instruct its own ticketing agents (as well as travel agents) to modify the number of discount seats available on a particular flight depending on the current level of advance bookings.

STUDENT: By the same token, I guess that similar benefits can accrue to a hotel, where a key determinant of competitive performance is the occupancy ratio.

TEACHER: Correct. And the basic notion of timeliness of information can be extended from the context of the service sector to the manufacturing sector. Consider the case of an oil company which is able to communicate with its dealers directly and instantaneously as oil prices change to ensure minimum delay between the setting of prices in the headquarters and its realization at retail outlets.

STUDENT: But in these illustrations IT does not influence the fundamental strategic business choices.

TEACHER. Correct. However, the implementation of such decisions through organizational hierarchy and channels is facilitated through the use of IT, leading to improved strategic results.

Inter-organizational Systems Inter-organizational IT applications highlight the potential to achieve competitive success that extends beyond intra-organizational informational flows to the deploying and exploiting of information-based links with diverse actors in the marketplace.

STUDENT: Your are using rather complicated phrases today! In simple terms, what you mean is that an inter-organizational strategic information system is a system that extends beyond the boundaries of a single focal organization to link multiple organizations.

TEACHER: Glad to see that you understood! The potential todevelop such links (and the consequent benefits to achieve competitive advantage) is perhaps the single most important reason for the, increased attention to informational systems from a strategic management point of view.

The railroad industry, which has one of the highest levels of “penetration” of electronic data interchange (EDI) among all industries, displays several levels of inter-organizational systems use. And relatively new industries such as couriers (FedEx, UPS, etc.) are good examples too.

Let me also mention the McKesson Drug Company. The case of McKesson is frequently quoted as one of the most successful examples of business transformation using information technology capabilities. McKesson is a US national pharmaceutical distributor that receives close to 100 percent of its orders electronically from drugstores through its Economost systems. A customer orders by making a single pass through the store with a hand-held order entry device, keying in a product identifier or using a bar code scanner. Reorder quantities are indicated on shelf tags. When the complete order has been entered, it is transmitted to the data processing service.

McKesson clearly achieved operational efficiency benefits to improve its profitability. Although the company apparently did not gain share relative to its major distributor competition, it achieved significant strategic benefits in sales and market share gains relative to its larger competition. The system also achieved “increased tying of the customer to McKesson” which is a substantial strategic advantage. Moreover, McKesson offers a number of other services based on the data it obtains from the order entry system.

The company also provides other firms in the health care business with specialized strategic systems. The following announcement is a good example:

In May 2003, McKesson Corporation announced that LibertyHealth in Jersey City, N.J., signed an eight-year, $47 million agreement for products and services designed to transform the use of clinical information to support patient care in its three-hospital system. LibertyHealth contracted for McKesson’s Horizon Clinicals(TM) suite (of programs) to enhance patient safety, reduce medication errors and increase patient referrals by providing physicians and other caregivers with better access to information.

“We have a once-in-a-lifetime opportunity to reinvent the use of IT to support patient care and enhance quality as we open our new hospital,” said Dr. Jonathan Metsch, LibertyHealth’s president and chief executive officer. “To create the best environment of care, it’s a given that we must provide the latest medical equipment. But, just as importantly, we must provide the most advanced clinical IT solutions to support our 900 doctors and nurses as they provide healthcare for this community of 600,000 people. That’s why we’ve
partnered with McKesson — we get superb, advanced clinical applications.”

Link 3: Strategic Management with Information Technology

Over the last years, several new and powerful forces in the technological and market environment compel one to recognize the link between strategic management and information technology in terms of the fundamental role played by IT in influencing the formulation of a firm’s strategy rather than merely supporting its implementation.

The potential for innovative modes of competing as well as new products and services made possible through IT provides managers with an entirely different spectrum of opportunities and threats. Given the general explosion of computing power and communications capabilities (integrated voice and data, the Internet), several new business applications can be (and have been) developed in those areas that directly enhance efficiency and effectiveness in the market-place.

Example: Merrill Lynch Merrill Lynch’s strategy demonstrates the potential offered by information technologies to develop superior substitute products (or services) as well as altering the definition and domain of business operations. The introduction of Cash Management Account (CMA) by Merrill Lynch represented a revolution in terms of redefining the concept of financial services in a marketplace that was dominated by the traditional banking institutions. The new business concept was built around integrating diverse financial instruments under one common umbrella such that the individual investor is able to enjoy the convenience of moving money across them as well as benefit from the “float” that the banks traditionally enjoyed. This account permitted the integration of four basic services to investors: (1) automatic investment of cash and dividends in a money market account, (2) credit through a standard margin account, (3) cash withdrawal by check or debit card, and (4) investment advice in managing and diversifying the account.

The strategy could not be implemented without the use of information technology, for it requires daily swaps across different accounts to post the credit card charges, checks, securities, and deposits, as well as to develop a daily updated credit limit for each account holder. This complex data processing operation is not incidental to the business concept but is fundamental to its conceptualization and operation. The importance of IT in this strategy is perhaps best emphasized by the fact that Merrill Lynch obtained a patent for the cash management account system. The annual fees generated by this product for Merrill Lynch were quite substantial.

Although several variations (circurnventing the patent protection) of this basic concept have appeared in recent years, none has so far matched the success of Merrill Lynch’s product.

Other firms which have utilized IT to break down traditional industry borders in the services sector include Sears, now an integrated financial services provider; Citicorp, now an investment and realty firm as well as a bank; and American Express, always strong in the travel business, now making a play in international banking, insurance, and securities, in addition, to becoming a financial and information supermarket. Indeed, the entire industry is being transformed due to parallel but related forces: deregulation and technology.

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