The Rising Cost Of A College Education

December 7, 2014 by Rebecca | No Comments | Filed in Miscellaneous

College tuition continues to rise at a rapid rate despite relatively low core inflation numbers. Many prospective students think that a college degree is beyond their reach because tuition is so costly that they cannot afford it. But, there are ways to save on tuition charges that may make a college degree attainable after all. Below are four ways that you can keep enough money to make a university degree affordable. To learn more helpful info about college tuition, visit this link; Minnesota cash checking loan locations.

The best way to save money on college tuition is to go to a college that has low tuition. Tuition costs vary widely among schools and aren’t indicative of the quality of teaching that the college offers. For example, land grant universities in many states usually offer lower tuition than other in-state schools while offering highly regarded degrees. However, you should also investigate out-of-state universities and colleges, too. Some states have such high tuition costs that there are schools in other states where out-of-state tuition may be lower than in-state tuition in your home state. Tuition costs are even lower at these institutions if you’re able to eventually establish legal in-state residency.

More Info About College Tuition

Another way to reduce college tuition is to ask for an ROTC scholarship. These scholarships pay for tuition and are also a small stipend of between $100 and $150 a month. You must take some ROTC courses and attend required training in the framework of the conditions of this scholarship. You are likewise obligated to sit on the military. The plus side of this condition is that you’ll have a decent job when you graduate from college. However, depending on the requirements of the military, you may not have an active duty obligation. Another option to save on tuition is to sit on the military and use GI Bill benefits to pay for college. Service in the Peace Corps can also result in significant savings in tuition costs. Any person taking into consideration this subject; consider Cash advance, checking and payday check loan website.

You should take a college and apply for admission as soon as you can. Then apply for financial aid as soon as possible. Most colleges have limited financial aid resources, so you want to get first in line to get assistance. Also, you should apply for every scholarship that you can find. Many people who do not think that they’ve got a chance of receipt of a particular scholarship are pleasantly surprised to see that they actually get the scholarship. Keep in mind that not all scholarships are awarded for academic accomplishment. Some are given based on need.

Continuing On With College Tuition

You may be surprised at just how many scholarships are available for secondary school students who’re preparing to enroll in college. If you’re worried about being able to get a scholarship based on academic merits, you should look around for other scholarships that you might qualify for. For example, some business and wealthy families donate scholarship money for those who fit into certain categories, such as single mothers, high school students who’ve graduated from a particular school, etc. Look around to see what types of scholarships you can find and then apply for as many as possible. The more scholarships you apply for, the more likely you’ll be to get at least 1 of them.

A terrific way to save on tuition is to participate in a community college or technical school for two years and move to a four-year college for the last two years of your education. Community colleges typically charge lower tuition than four-year colleges. You must make sure that your community colleges credits are transferable. Many universities and community colleges form partnerships to transfer credits in certain degree programs.

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When You Need Cash Really Fast

October 20, 2014 by Rebecca | No Comments | Filed in Miscellaneous

It’s no fun when you require to make money fast now, like right now! When the pressure is on as well as the need to make some money quickly is required, we often do not make our best decisions. We’ve personally been in that position; we have been at a place where we had to make some money fast. Here’s 3 ways that we found that can work for you…

Needing to have money coming in fast, right now creates a very sressful environment. When the pressure is on as well as the need to make some money quickly is required, we often do not make our best decisions. We make knee-jerk decisions which often which are not always the best over the long-term often through desperation and downright panic. Whatever has brought someone to the extent that they need to make money fast, it can often cloud judgement and compel us to grab at the first semester-decent thing that seems to come along as a possible solution. To learn so much more helpful tips about need money fast, checkout this link; Payday loan.

We’ve personally been in that position; we have been at a place where we had to make some money fast. Here are 3 ways that we identified that can work for you…

And, what about…..

Affiliate Marketing-do not be confused or intimidated by this term; it’s simply the event of identifying a product you think there may represent a demand for, ascertaining if they have an affiliate program (a commission payout) for that product, then figuring out how to obtain people to buy that product through your unique affiliate ID number or code. Then, every time someone does, you earn a commission. To go deeper into Minnesota emergency cash loan, explore that link.

Many large, high profile companies now run affiliate marketing programmes, such as Ebay and Amazon. And there are many more. Any business you send them through your affiliate ID number will earn you a commission. And yes, to solve your issue now regarding can you make money fast with Affiliate marketing-yes you can. Many affiliate programmes pay out either fortnightly or even weekly, so you’d be earning some healthy commissions pretty quickly.

Let’s Continue This Analysis

The question that was on our mind when we studied this, and it is probably on yours, is how do we get people to purchase the products we want to promote through our affiliate ID? The good news is that many companies who run these affiliate programmes also have a whole support system in place to bring you great ideas, information, support, and help to show you ways to ‘promote’ your Affiliate ID to the world, and in doing so, earn yourself commissions.

You need have your own product to sell and make money, there are places like clickbank, amazon where can become and affiliate and promote their product and earn some commission.

Surveys-we had heard a great deal about ‘taking surveys’ as a means to make money fast now; some of what we had heard was really good, but sadly some not so good. So rather than take other’s opinions we decided to join some of the more popular survey companies and see what they offered, and whether their promises stacked up in their capacity to make money fast.

Generally ‘taking surveys’ to earn money does actually work, and certainly CAN bring in a reasonable income each day very quickly, though we did discover there is a great difference between what every one of the survey companies offer, and yes there are clearly good and bad ones.

If you’re the kind of person who enjoys data entry or form filling, then you’ll love making money from surveys. If you are not, then we have to tell you that it is likely you’ll find it somewhat tedious, though taking surveys can clearly get the money coming in quickly, and so if that is your goal this is clearly a serious option IF you pick the right company.

Taking survey: Yes taking survey you can make some quick money. You will find many companies on internet which offer to pay you if you give your opinion by filling a small form. Big companies pay you because before launching any product they’re trying to figure out which thing customers are looking for. Hence this give us a chance to earn some money.

Doing Freelance Work-If you can write, design, programme, are artistic, creative, can move or inspire, then there are lots of opportunities for you out there right now. One of the fastest growing sectors is the freelance market.

Simply put; more and more companies, small enterprises and individuals are finding they need someone who they can employ on a freelance basis (so not formally employed) to do some work for them. So a whole industry has emerged of primarily home-based freelance workers who provide their services to freelance agencies who’ve a database of clients with work projects that they need someone to assist them with.

And you’ll be amazed at how many people will want your services. If the idea of working from the convenience of your own home, working the hours that suits you, and yet still having the capacity to earn good money quickly, then you need to take account of becoming a freelance worker. Again, rather like survey work, there are good and bad companies out there acting as freelance agencies, sadly of which many do not deliver what they say. But if you strike the right company, you can earn a very healthy living as a freelance.

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Living Paycheck To Paycheck

August 31, 2014 by Rebecca | No Comments | Filed in Business

Most people in the United States, regardless of the level of the paycheck, live paycheck to paycheck. Living paycheck to paycheck means you’ve got no cushion in the world bank and you’re waiting on the next paycheck to pay the bills due. If you have extra money in the world bank and can pay bills as they come without worrying about where the money is going to come from, then good for you. Way to go! You are several steps ahead of most in terms of being in control of your funds. Let’s talk about how the majority of the population can get to that point.

You will become one of the 30% of Americans who’ve the resources to pay for everything you need, when you need it, so you will not be living paycheck to paycheck. quickest payday loans online in Ontario, for related sites..

Once you have done these two things you’ll quickly build up a cushion in your checking account so that you’re not living paycheck to paycheck anymore. When you get a nice cushion then start building your savings. Unexpected expenses can ruin the best laid plans. Try to anticipate everything you can and set money aside ahead of time. I know that our car insurance is due every six months, for instance. I set money aside in a savings account each month to cover this bill. It is not an emergency when the car insurance bill arrives. You should not have to scramble to cover it. Planning ahead for all that you can will make your life much less stressful.

You will find that planning ahead for long as you possibly can, living below your means, and having a blueprint for your money (a budget) ahead of time will make living a lot easier. You will no longer have the financial struggles you have living paycheck to paycheck. Once you reach this point you can relax and enjoy life a whole bunch more.

Where Can We Go From Here?

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Down The Borrowing Base Rabbit Hole

January 31, 2015 by Rebecca | No Comments | Filed in Business

Bad credit customers always have concerns concerning their ability to obtain, suitable loan options, and lenders that fund poor credit grades. There abound options of borrowing options, even for individuals with severe credit problems.

While both, safe and unsecured loans are available to bad credit customers, it is essential to develop which one would be helpful to you. Unsecured loans are the most searched for, as they have no security requirements. They likewise feature lower approval rates, restrictive terms, and greater rates you may end up getting less cash at a greater rate. They are only good if you have no possessions you might pledge, or if you do not wish to risk your house or a vehicle. Protected loans are less high-risk for lenders, as they have the right to take possession of security in case of a loan default, and therefore are almost always approved by banks and other lending institutions, along with having extremely good rates and terms.

Protected loans (or property owner) loans are secured versus some type of security. These loans are usually protected versus your house or automobile as they are usually an individual’s greatest asset. By securing your loan versus a product, it enables the loan provider to offer your residence or car if you default on your loan payments. By having the loan secured, the loan provider is taking less run the risk of in financing your money as there is a good chance of them getting their money back. This will certainly result in a lower rate of interest being charged on the loan. Protected loans are normally taken over an extended period of time and for a huge amount. An example of a secured loan is a residential home mortgage.

Unsecured (or personal) loans are not secured against any collateral or possessions. The loan carriers base their choice on whether or not to lend you any cash on the basis of your credit score. By scrutinizing your credit score helps the unsecured loan provider to determine the opportunity of you paying back the money they have provided you. If you have a bad credit score or county court judgements (ccj’s) versus you call, you might still have the ability to obtain an unsecured loan, nevertheless the interest rate you will pay will certainly be much greater. This is due to the increased viewed threat for the unsecured loan carrier.

Moving The Discussion Forward

Borrowing options are unlimited today and lender information is widely readily available online. It is time to discover a couple of lenders that would likely authorize you as soon as you have chosen exactly what type of loan you desire to go with. If you figured you only need a short-term payday advance, you may consider yourself excepted, as payday lenders accept everybody who has a job and a checking account. The most crucial element right here is to find a payday advance loan with a more affordable interest rate. In case you choose to go for a long-term unsecured loan, then you ought to think about non-bank lenders concentrating on bad credit loans.

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Cost Accounting Compared

January 15, 2015 by Rebecca | No Comments | Filed in Business

Brad: That’s cost accounting talking. Its amazing the owner is still in business, stating something like that. He would be out of business if his competition didn’t all think the very same way.

Dr. Lisa: Truly variable commissions is, outsourcing, freight, sales commissions is typically simply a fraction of the selling price. There are just two methods to lose money on a job: 1) charge less than your real variable costs; or 2) re-work a job over and over again triggering you to sustain the genuinely variable costs multiple times and the total of all the really variable costs are more than the price you charged.

Additional Information on Cost Accounting

Dr. Lisa: Its the allowance of overhead cost, the primary conceptual error of cost accounting. Keep in mind, cost accounting was created back at the turn of the last century, when labor was paid piece rates and overhead was less than 10 % of total costs.

What really took place was that the job took more time than approximated. And because cost accounting designates cost to that time, the job cost more than expected, maybe more than the price. This is a mirage. The margin got the list prices minus the really variable costs is the same no matter how long the job took to produce.

Brad: So, the problem is that using more time than approximated, there is less time left in the month to produce and deliver the margin on subsequent jobs. Often, what margin is shipped in total is less than the fixed costs for the month, and afterwards there is a loss for the month.

If there are significant fluctuations in your cash flow, as an example, when you get considerable amounts in one month that represent payment for a number of months of work, the accrual basis will certainly more correctly reflect your net income month to month. And when your business includes managing inventory, you should utilize the accrual basis for your accounting.

Dr. Lisa: Yes, which is the issue that the majority owners are trying to stay clear of. And the way we were all taught to do that is– cost allotment. Nevertheless, you can see to it that you make enough margin in total without allocating any costs and it’s actually easier and more straight forward.

Job cost accounting in fact starts by studying the job and having the ability to keep an eye on all the costs which are associated with a specific job. It then tries to gather all invoices and make certain that they are forwarded to the consumer in a thorough way. Further, they likewise have to document and develop how the incomes justify the costs which have been sustained.

Simply outline the Margin dollars you ship daily (exactly what we call Throughput) and compare that to your Operating Expenses. And remember, if you work overtime, you’ve increased your Operating Expenses. You have all the information you require to guarantee you ship sufficient work in total to make money when you understand the relationship between Throughput and Operating Expenses.

A business can lose money, but a job rarely does. Jobs aren’t unprofitable, and for that matter, products are seldom unprofitable and consumers are hardly ever unprofitable. Since the margin in a month does not cover the fixed costs for a month, business loses money. Otherwise, the margin on all jobs, products, and clients in extra of that month fixed costs all collectively add to the general earnings for that month.

A few of the costs incurred to operate a business will certainly be the same quantity every month. Those fixed costs, like bank loans on plant equipment or land and building purchases will certainly not vary every month and can be more easily allocated. Administrative incomes would fall under this category too.

Variable costs, on the other hand, are those business expenses that cannot truly be allocated due to their altering amounts weekly or month. Costs that fall into this classification include plant staff member salaries, which vary depending upon the variety of hours worked and if overtime is involved. Another variable cost would be raw material purchases, which differ depending upon the quantity of sales orders taken within the month.

Brad: Who cares? Is this really that essential? In the last 20+ years since Throughput Accounting was created to replace cost accounting, not very many entrepreneurs have actually even become aware of it, much less felt a need to change.

Dr. Lisa: True. The majority of simply failed slowly. Like the frog in the pot when the heat gradually enhanced, and never jumped before it was cooked.

Brad: When I changed the label printing business I possess from cost accounting to throughput accounting back in 1997, it was unpleasant. The process took time and perseverance. And there had not been much assistance readily available for me at that time. But I discovered the sweet spot where conventional cost accounting leads the entrepreneur to think they ‘d be losing money on jobs, and where throughput accounting clearly showed we were making a load of money.

Dr. Lisa: It is actually unreasonable to competitors when you understand throughput accounting, and price appropriately. We call that taking on blind kittens since cost accounting is such an inferior technology.

Dr. Lisa: I don’t know the answer to that, however, my guess is that they are more comfortable with new technology in their area of knowledge and less comfortable with new technology where they are not a professional financial management. And, even if they have some interest in this new Throughput Accounting technology, it’s hard to quit the old till you totally understand the new. you’re sounding familiar.

Brad: Whoa, you’re right! It did take me a great deal of time to make the change. I think that does explain why it’s easier to remain with the old technology.

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Explaining Customer Engagement

December 3, 2014 by Rebecca | No Comments | Filed in Business

Customer engagement is akin to numerous of the catch expressions that appear in advertising terminology from time to time. These commonly take the advertising world by storm, and then eventually decrease. Customer engagement appears here to stay. Basically, it is a strategic technique to marketing that seeks to engage customers on a more individual level. The rationale being, that this will certainly enable the business to be more receptive to modifications in customer requirements, and behavior. Customer engagement takes direct marketing up a number of notches, by focusing more on 2 method communications.

Moore just recently business has actually extended their customer experience measurement programs by including the voice of the customer and customer engagement programs focused on identifying exactly what real customers think about their brand. While mystery shopping aids in the process of comprehending your customer experience from employing buyers paid to try products and deal with personnel, customer engagement programs help to provide feedback and opinions from customers who are reflective of your customer demographic.

With the customer engagement method the business seeks and gets the feedback and opinions of real customers on a vast array of issues. Since numerous of these individuals could be routine customers, their viewpoints add to the important information you collect from the mystery buyer sent out in and paid to learn the specifics of the customer experience you want to check out.

An included benefit is that the voice of customer is heard. It is empowering and encouraging for a customer to feel they are heard and have the chance to offer feedback on their customer experience. When they see their changes first hand, they commonly feel more valued after they have given their viewpoint and are even more signed on to your brand. You are making modifications to your business strategy based on market needs when you hear them. There’s an excellent opportunity numerous other customers of yours feel the exact same way if one customer believes favorably or adversely about something.

Random Mind Blab About Customer Engagement

If companies choose not to engage customers, they run the risk of being caught unawares by unfavorable feedback, as they will certainly not understand exactly what is being stated about their brand. Social media websites have empowered consumers, so that they are now able to affect how well a brand sells. They have the ability to utilize e-mail, sites, blog sites, or other social networking devices, to reveal viewpoints about services and products, and influence what others buy.

So customer engagement needs to move beyond words, and make sure that stated brand promise are stuck to. These pledges ought to focus on the essential areas of customer service, and product quality. When a brand loses ground in the marketplace, it can have immediate repercussions, and this is specifically hazardous to the small company, that relies greatly on social media marketing.

Customer engagement is a more individual approach to advertising. It centers around appealing individual customers so that they feel linked to the business procedure, and become loyal to the brand. It has actually emerged that it is far more than a catchy expression, but is advancing into a key part in a business’ capability to survive in the marketplace.

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Cash Flow Projection A-z

November 20, 2014 by Rebecca | No Comments | Filed in Business

KSA Associates are among the leading management accounts companies in Birmingham and as such we desire our clients have a good understanding of capital management. Cash flow is an important part of the capability and any business to manage and predict cash flow is one that is overlooked by all a lot of company owner, frequently resulting in bad repercussions for the business. Capital management for businesses in Birmingham can be made easy by utilizing KSA Associates Financial Director Package, however, we always recommend our clients to discover as much as they can about the significance of cash flow and the best ways to anticipate it.

To that end, we have put together a checklist of things that any company owner can do to help keep an eye on capital, and for that reason, the wellness of business. Having a profit and loss account is part and parcel of running a company, but a lot of people rely upon this to reveal them whether the business is healthy or not. Profit and loss won’t show fixed asset purchases or loan repayments but each will certainly have an effect of the readily available cash in a financial account. Connecting the balance sheet to the profit and loss account is required to offer an accurate image of where the business is. Focusing just on the bank balance is likely to provide a skewed version of the real state of a company’s financial resources.

The Whole Cash Flow Projection Enchilada

Preparing a cash flow projection can look like a great deal of work for a currently overworked company owner, but it is something that will certainly pay dividends in times to come and really conserve money and time. Understanding that there is deposited to pay the bills makes life less difficult and understanding that there are huge bills coming and not much cash indicates that the business owner can concentrate on chasing after up those outstanding invoices. If you regularly pay your providers when you state you will, instead of fobbing them off and making late payments, then you will certainly build up an excellent relationship and if times do get difficult they are more probable to provide you freedom. Cash flow management for the businesses of Birmingham is essential then.

Of course, there are other things to consider when talking about cash flow projection…

Preparing a cash flow projection is not as difficult as it seems. A short term projection will certainly be more beneficial if the company is currently experiencing cash flow problems. When times are difficult, ensuring suppliers are paid is more crucial than total earnings. Make the projection as detailed as possible and include all outgoings no matter what they are. Any loan payments, including interest, wages, ink for the printer and even milk and tea for office staff must be taped. All incomings ought to also be included in the spreadsheet as well as the bank balance at the beginning of the period of cash flow projection. It is useful to separate all inbound payments instead of lumping them together to provide more of an idea of where each payment is coming from and when it is due.

Moving The Discussion Forward

You don’t need to be an accountant to develop a capital projection. You can forecast cash flow if you can balance a checkbook.

In reality, your cash flow projection ought to resemble your check register, only with your deposits and checks jotted down, one to 3 months in advance of when you‘ll actually make them.

If you’re still not sure of ways to make a start with anticipating your company’s future capital, then we at KSA Associates will be happy to recommend and assist you. As a leading management accounts firm in Birmingham we want our clients to do well and we are committed to helping them grow effective and vibrant businesses as part of Birmingham’s dynamic economy.

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Stock Exchange Plan

October 12, 2014 by Rebecca | No Comments | Filed in Business

Stock exchanges form an important part of stock trading, as for stocks to be traded they have to be listed with the stock exchanges. The history of stock exchanges dates back to the eleventh century when the courtiers de change in France regulated and looked after the operations in the agricultural community. Today, the stock exchanges have come a long road with large exchanges across the world, for The Bombay Stock Exchange (BSE) in India, example, and the New York Stock Exchange (NYSE) in the United States. Some of these are physical exchanges, where trading happens on the floor, while some are electronic exchanges, where trading happens over electronic media.

Companies across the world have to fulfill certain criteria, with a view to be listed and their stocks to be traded on any stock exchange. These criteria comprise minimum market capitalization, the minimum number of shares, and minimum annual revenue produced by a company. Commonly, a company’s stocks are listed only in one exchange; however, big corporations may get themselves on the roster of more than one exchange. Various kinds of stock trading information are also provided to public through exchanges besides trading. The time for which activities take place under an exchange is referred to as its trading hours. No stock can be traded or trading information obtained after the trading hours are over for an exchange.

Stock exchanges play a very important role in shaping the economy of any country. Foremost, it is a mirror of a nation’s financial conditions. When the economy is booming, there is a flurry of work in the stock exchange. When it is n’t, the stock exchange may show a state that is known as financial ‘depression. ‘ The ownership of huge companies lies within the scope of its big shareholders. But shares floated by companies in stock exchanges, through their initial public offerings, help a common man or a very small investor to own a part (though may be small) of a very large company. This entitles him/her to the part of the profit incurred by these companies. On one hand, it helps companies to gather capital to develop their businesses and on the other, these small investors are made a part of this success. This may also assist in the redistribution of wealth from the richer section of the corporation to the common man.

Stocks are a means for companies to sell shares in their companies so as to obtain financing to fund the activities of their companies and to expand their business. The people who purchase these stocks are referred to as investors. Once the company is in profit, these profits are paid out to the investors who hold the stocks. The payments that are paid are called dividends.

Are There Any Stock Exchange Secrets?

Not only shares, but bonds and unit trusts are also traded on exchanges. These provide very good investment options to those who want to save and invest. While they enjoy the benefits out of such investments, the cash invested can be made ‘liquid’ and used for financial transactions occurring in the economy. Simply put, the government may borrow money from the public through the sale of bonds and utilize this money for some developmental activity. As there are numerous benefits that can be combined with stock exchanges, speculative trading can sometimes lead to the volatility of the stock market.

The number of stock exchanges around the world is quickly increasing. Although physical exchanges exist, the future of exchanges may lie in the electronic exchanges. Stock exchanges comprise an important part of the economy and will continue to be so with increasing number of people trusting to invest their money in stock trading.

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Straightforward Unix

October 8, 2014 by Rebecca | No Comments | Filed in Business

Many organizations are basically forced to use their existing computer platforms for all new development projects. While there are often efficiencies to be gained from this approach, there are often limitations as well. Ironically, some new projects may actually benefit greatly by choosing obsolete computer platforms for their new projects. It’s all about the software.

Back in the earliest days of computing, the choice of which computer platform to use was often clouded by economics, salesmen and irrational decisions. New projects may be needed to use a particular brand of computer simply because that was the kind of equipment already installed, for example. This did make sense in the early stages when machinery was very expensive. The economics shifted as new computer equipment became cheaper over time. Unfortunately, the software actually became more expensive as the utility of the computer hardware decreased. Some organizations were convinced to continue using certain computers on the advice of salesmen. This was often a good choice. However, sometimes it wasn’t.

OpenVMS has suffered from its marketing position as an alternate to the greater available computer systems. When the system was first released, it competed with large mainframe models that cost extremely high amounts. OpenVMS was poised as a less expensive option. This resulted in a bargain for organizations that wanted to save money over the price of a mainframe. It was still expensive, compared to the cost of early personal computer systems. OpenVMS saw success in the chosen market. Part of the success was attributable to the fact that OpenVMS ran on specialized computer hardware which was far more powerful than personal computer models. In time, the ability of basic computer systems has greatly increased. This has reduced the ability of OpenVMS to offer an inexpensive option to large organizations. Now, any company can install very cheap small computers which have far more ability than they used to have. This has narrowed the field considerably. There remain some agencies which require large mainframe computers which are always very expensive. Everyone else is in a position to install OpenVMS, Unix or Windows to accomplish their needs. Since Windows is normally the cheapest, most organizations choose that system.

In a technological project, risk is a most real item which has a cost. What is the threat to the organization when a computer system is attacked? What is the cost to repair such attacks? If a system is highly vulnerable to attack, does it make sense to reduce the initial system cost if the ongoing operating costs are high or if a debilitating attack is likely? Instead, is it a better option for the risk planning to consider the price of a secure OpenVMS system? This approach would be most expensive initially but would offer ongoing savings, mainly attributable to the fact that a system attack is very unlikely to occur.

Investigating Unix

Now with the luxury of time, and continual development of established systems, the choice of computer platform for new applications is extensive. Standard systems such as Windows or UNIX are the obvious choice of most projects. These may not always be the best options, for several reasons. These systems are definitely the more popular with millions of installations active worldwide. UNIX is the commercial operating system which has been elaborated into open systems called Linux and Ubuntu. Windows is the server operating system released by Microsoft.

There is an alternative operating system which can be used only for new applications. HP corporation sells the OpenVMS operating system which is capable of handling thousands of application users. This operating system was orginally developed by the Digital Equipment Corporation in the 1970’s. Digital was purchased by Compaq which was then purchased by HP. OpenVMS was originally supplied with large, expensive computers produced by Digital, (then Compaq). Today, HP offers OpenVMS with specialized hardware produced expressed for the system. The operating system is also provided as a server product that can be mounted on any modern computer with an appropriate bridge system.

Project managers may find it incredible that a further application should even consider implementation on an operating system that is over 30 years old. There are real benefits to be learned from the selection, however. Security is a big one. OpenVMS is used by far fewer servers which results in a significant advantage. First, since there are so few OpenVMS systems, the world’s hackers are much less likely to target such a system. Should hackers actually target OpenVMS, the system is practically immune to the regular attacks that can devastate a Windows or UNIX server.

OpenVMS is an operating system which was designed from the outset to be secure, multiple user and 64 bit. It did originate as a 32 bit system but a major re-design in the 1990s created a new 64 bit version for new systems. Conversely, both Windows and Unix started with much less capable specifications. Windows was not a single user system in the beginning. 64 bits refers to the magnitude of data that can be handled by the computer in one step. Generally, bigger is better. This is because more data is moved in one transfer.

If an application needs a truly secure implementation platform, the HP OpenVMS might be a great choice. It surely represents a safe environment. OpenVMS, (or ‘VMS’ form in which it was originally known), was intended to be a secure, multiple user operating system from its earliest release some 35 years ago. The developing company, Digital Equipment Corporation, designed this system to bring their existing models. Some of the requirements were that the new system, (VMS), had to include a wide range of security controls on virtually every appearance of the system. Unlike many other systems, operators could establish specific rights on devices, files and processes per individual user. As well, there was a group feature incorporated into the system. This allowed similar people, all accounting users, for example, to get the same access rights.

This ability to define security exactly was a departure from earlier systems. Some of the other platforms took a different approach. Unix, developed about 10 years before OpenVMS, considered security to be all of nothing. Users were either restricted, or they were not. If any elevated abilities were needed by a user, they had to gain access to the core account which had absolute power over all areas of the computer system. Unix did implement a file protection scheme which lets users and groups control reading and writing files but this is only applicable to the computer disks. MSDOS, which evolved into Windows, was never supposed to be a secure system. Rather, these were personal use platforms. In time, Windows evolved into Windows NT and the other multiple user versions. While these now have customizable security levels, they remain open to vulnerabilities due to design.

While many, or most project managers will opt for installation of applications on Windows or Unix, but OpenVMS should be considered. The increase in security for the completed application will be considerable.

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A Spotlight On Senate

September 30, 2014 by Rebecca | No Comments | Filed in Business

As of Thursday, September 8, 2011 the much talked about Transportation Bill known as SAFETEA-LU (Safe, Accountable, Flexible, Efficient Transportation Equity Act: A Legacy for Users) was carried by a Senate committee.

The Senate Committee approved an extension of the present bill. This is the eighth time the draft law has been extended. This will serve as a move in the right direction for the Transportation Industry, but as many people have said, an extension, it’s like a band aid on a bigger problem. There still has to be new legislation put in place in order to this industry, it cannot simply be ignored.

An interesting spin on this

The Sarbanes-Oxley Act is actually a collection of two bills that were passed in the United States Senate in 2002. A bill to be passed in the House was tabled by Congressman Michael Oxley in April 2002 and was known as the Corporate and Auditing Accountability and Responsibility Act. Later in June 2002, Senator Paul Sarbane’s tabled the Senate bill 2673 or the “Public Company Accounting Reform and Investor Protection Act. ” In an effort to correct the two bills together, the United States Conference Committee approved the Sarbanes-Oxley Act (SOX).

The Weird Thing About Senate

However, the act of expanding the bill appears to be all either party can agree to. The Democratically-controlled Senate and the Republican-controlled House of Representatives have presented vastly different options for this bill. The House proposed spending $235 billion over the next six years, while the senate proposed spending $109 billion over the next two years.

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Cryptography – Understanding The Intricacies

August 4, 2014 by Rebecca | No Comments | Filed in Technology

Cryptography or cryptology is the art and research study of hiding and/or transit of information without the intrusion of prying eyes. History recommends that this technique has actually prevailed because ages, right from the ancient Greeks to the World War era; however, its contemporary form is still being made use of in modern-day digital communication and computer security authentication. The inexplicable failure of standard encryption (symmetric cryptography) in regards to computer security and reliability of data, forced scientists all over the world to devise something which would get rid of these shortcomings. Thus, public vital encryption (the creation of Whitfield Diffie and Martin Hellman) was introduced in 1976, which in the world of cryptography, escalated computer security to an entire brand-new level.

Thinking reasonably, providing cryptography is the only method to protect an e-Commerce environment for banking; and SSL encryption is essential to deal with payments– to develop a safe channel that can ensure a client’s monetary data continues to be safe and secure.

More Info About Cryptography

By now, we might have got a reasonable concept that we are handling something interested in ‘public’. So here is the explanation. In conventional (symmetric) cryptography, when the sender fires off an indecipherable message to the recipient, both the parties use the same secret key for locking/unlocking it. Now, here is the problem. The secret key, which would be made use of by both the parties equally, needs to be delivered through some or the other media. For that reason, there is no assurance that the key could take a trip without unwanted tampering, therefore running the risk of the integrity of the data.

Public crucial encryption was the approaching solution to this problem. In this technique, both the parties are handed a pair of special keys – public and private. These keys work hand-in-hand to shield and decode the preferred information. The general public key is freely readily available, whereas the private key, as the name recommends, is confidential and protected by its particular owner. Among the most noted examples could be the RSA algorithm. RSA is an acronym for Rivest, Shaman and Alderman, who wrote this algorithm.

Moving on…

As specified formerly, public key encryption focuses on the principle of two keys. Let us imagine this circumstance – A wants to send out an encrypted message to B. Both of them have a pair of aforementioned keys. An appearance up for bus public type in the directory. Once discovered, he develops his digital signature by calculating his private key and the actual message. Done that, he encrypts the message and sends it to B which in turn, is verified by B using some estimations with the message, the signature and A’s public key. Consequently, if the computations at base and prove that the signature is genuine, then the message is deciphered; otherwise it’s considered to be tampered with or the signature has been forged. This technique virtually removes the problem relating to data encryption for information security.

The most considerable benefit of this kind of encryption is optimal security and ease of use. Furthermore, each user is accountable to secure his/her private secret which provides full self-reliance in ownership. At the very same time, this system lowers the dangers of extensive forgery by decentralization of keys. In fact, this process is called non-repudiation. On the other hand, this cryptographic technique has a couple of disadvantages too. It is comparatively slower than a number of sophisticated encryption strategies. This is since of its long calculation time in factoring large numbers while encoding, decoding and authentication of messages. Public essential encryption like RSA is practically impossible to crack since of its complicated algorithm. This shows to be a major problem for security workers who wish to track delicate data which could be a breach of a company’s or a country’s security.

The sudden surge in information security is actually compelling cryptographers to come up with much better and updated solutions every minute. Public crucial encryption is yet another example of how security parameters are altering day-by-day.

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Organizational Behaviour – Some Background

July 27, 2014 by Rebecca | No Comments | Filed in Business

The culture of the organization could most likely be described as the environment that surrounds individuals at work all of the time. Not just that, but it is likewise considered to be a powerful aspect that paves way to shape the work environment, the work relationships and the work processes. Simply puts, it could likewise be referred to as the personality of the organization, suggesting to say that the culture of a company basically highlights exactly what type of organization it is in the first place.

The organizational culture is essentially made up of presumptions, values, beliefs, mindsets and the artifacts of individuals in the entire company. Simply puts, it is comprised of all the reality experiences generated by the employees in addition to the influence of the organization’s founder, executives and the other managerial staff who are involved in the decision making procedure of the organization. Having stated that, in order to understand the culture of an organization more clearly let us look at a few of the features of the organizational culture.

In the same vein as the previous paragraph…

The organization culture can not be produced overnight, but progresses with time. Because the culture is made up of beliefs and values shared among the company members, this is.

Organizational Behaviour; There’s Even More……

It is not just possible for a specific to develop the culture of an organization alone. Rather, it is a mix of the characters and experiences of all individuals working in the organization. To say, everybody who has actually worked for the organization has some way or the other added to forming the culture. Besides the employees, the founder of the company in certain and the managerial personnel of the company has actually too played a function in forming the culture.

As we can see, the unique ‘habits’ of a company can be attributed to the makeup of the values that it upholds – the organizational culture. Let us understand these main characteristics that define a company’s culture as a whole, the ones that assist shape up the organization’s ‘character’.

These are really basic features that every organization would need to look into, otherwise the culture would seem incomplete. Although all these attributes are at some level a part of every business, the significance and individual interpretation of each differs from company to company, hence making each business distinct in its own way. There are 7 primary qualities that belong to an organizational culture. They are provided below.

There might likewise be subcultures present within the organizational culture. These subcultures are formed as a result of the different needs and wants of the employees. To state, in some cases the employees could look for benefits that are not offered by the general business. As a result, they may form their groups within their own department with their own culture that rewards them with their expectations or fulfills their needs.

The culture of the company is therefore passed on to the new employees with the procedure of socialization. In other methods, the new employees will familiarize the culture of the company where they work, hence by interacting with the other individuals in the company.

These are the strongest held elements of culture as they are not influenced, but are progressing and influence behavior and values of employees of an organization. Hence, these 3 components make up the personality of the company – the organizational culture. An organizational culture is the result of both the management’s initial beliefs and employees’ adoption of those beliefs.

As we can see, the unique ‘habits’ of a company can be associated with the makeup of the values that it upholds – the organizational culture. Let us comprehend these main qualities that define an organization’s culture as a whole, the ones that help tone up the organization’s ‘personality’.

These are very basic qualities that every company would have to check out, otherwise the culture would seem insufficient. All these attributes are at some level a part of every business, the value and individual analysis of each differs from business to business, therefore making each business unique in its own way. There are 7 primary characteristics that belong to an organizational culture. They are listed below.

As soon as formed, it is not an easy job to change the culture whenever possible. This is due to the fact that the cultural modification essentially requires the people to alter their habits. It is rather tough for individuals to change their old way of doing things and enter into doing new things at one time. It has to keep on changing gradually over time with a great deal of effort put in.

However, the organizational culture might vary from one company to another. For example, the culture of a health center or university is rather different to the culture of a bank. This is due to the fact that the culture of a company is rather noticeable to some extent through their arrangement of furnishings, how things are organized, exactly what individuals were and exactly what they talk about etc. Having stated that, some organizations have weak cultures while some have strong cultures. Let us go take a look at each of the 2 types of culture in a bit more detail.

A weak organizational culture is when individuals in the company do not agree on the exact same basic beliefs and values as applies to the organization, and instead they have the tendency to have their own ideas, beliefs and behaviors, etc. As a result, individuals are regulated by way of utilizing limited rules, treatments, supervision and bureaucracy within the organization. On one hand, a weak culture may be the result of lots of subcultures. In other means, a weak culture would rather urge individual idea and contributions.

To say, this sort of culture would be better for an organization that tends to grow with innovative ideas, and only if individuals in the organization could at about have a typical goal and help the management to come up with strategies for the future, even their ideas could be different. As an example, different departments might have different subcultures with different beliefs and ideas, however still they need to all work for a goal such as helping the company to grow. However, at the same time, if individuals in the group believe separately having different goals in mind, then this will no doubt cause conflicts or cause troubles between individuals and the management. Of course the company falls into a situation of failure since of the different subgroups attempting to satisfy separate goals rather than an usual goal if this occurs. It ought to be said that weak cultures are easily changeable as they are not stable and the organizations with weak cultures are generally considered to be inefficient and less effective at a lot of times. This is mostly due to the restricted rules, supervision and bureaucracy performed within the company.

A strong culture basically paves way to bring individuals with talent. Exactly what is actually suggested by this is that the talented people in basic do go in search of organizations that they believe would help them to satisfy what they expect such as better wages, etc. With a strong culture they believe that the company is in a better position to accomplish all those.

The talented people would basically prefer to work for a company with a strong culture rather than looking for out places somewhere else. This actually reduces the amount of talented people leaving the company to a greater extent.

Now a days what individuals actually desire is to obtain taken part in their work and do it with duty, etc. So, a strong culture has actually paved the way for people to take the obligation and work rather than trying to control them with rules and policy, supervision etc

It is rather crucial for people to be able to work together and keep their relationships with the rest of the organization if the organization is to be successful. A strong culture generally assists the people to get to understand each other much better which will ultimately result in originalities and greater efficiency.

Individuals working in the organization generally discover work to be difficult and discouraging most of the time. But with a strong culture that is attractive there is no doubt that individuals find the work to be intriguing and enjoying, which will likewise pave way eventually to accomplish the goals of the company.

In spite of all the benefits, there are times when a strong culture may not exactly be the culture that is needed when it comes to dealing with the competitive environment. Because the organization could have come up with lots of innovative ideas in order to deal with the competition rather than sticking on to the old ways of doing things, this is. To state, if the people in the company are completely following the values and beliefs of the existing culture when it pertains to achieving the goals, then they obviously do not have the opportunities to think in a far more innovative or imaginative way in order to come up with distinct options or ideas to deal with the ever altering turbulent environment. This is because they all think no beyond than their existing culture. This is basically a draw back in the strong culture. Too, a strong culture is undoubtedly difficult to alter sometimes of need, and requires a great deal of effort to do so since people as soon as adapted to the old way of doing things it is unlikely that they want to alter their habits unlike in a weak culture.

It should be said that company culture might be different from one company to another. Indicating to state that, some organizations will certainly have strong cultures while the other may have weak cultures. A strong culture is when the majority of individuals tends to settle on the existing beliefs and values and beliefs in the organization, meaning to reveal that there is one dominant culture in spite the other subcultures that exists. On the other hand a weak culture is when the majority of people disagree on the existing culture however rather kinds their own subcultures.

Having said that, it is likewise important to keep in mind that no culture can be the best culture. Even though lots of tend to think that an organization needs to have a strong culture in order to make it through, it is important to a greater extent but not always. This is because it is undoubtedly crucial to always keep on watch of the competitive environment, thus since the existing culture could not be ideal for the competitive environment at times. When it comes to facing the competition, it more or less requires a company culture that is open for even more innovative ideas. Simply puts, the organizational culture should fit with the competitive environment and the company in order to fulfill the goals. As a result, there is no right or wrong culture. The one that matches a company best is a combination of both the cultures, suggesting to say that a strong culture that is open for the individuals to reveal their extremely own (new) ideas. In short a culture that is concurred by the majority of individuals, however, still respects the innovative ideas of individuals sometimes of requirement.

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