Kamis, 12 April 2018

Network Marketing Is the Secret Ingredient of Multi-Level Marketing

Network Marketing Is the Secret Ingredient of Multi-Level Marketing

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What is network marketing?

Network Marketing is another type of direct marketing. It is widely concerned with sales network of an organization than sales itself.

The networker mainly starts to develop his or her own business before helping other company associates to create their own business, as a franchisor.

Indifference, in Network Marketing each independent company owner can start new network businesses, but with little fiscal investigations and without risk. However, franchising is one when one company opens new branches.

The Three Pillars of Succeeding in Network Marketing are:

Leverage (of Money and Time)
Residual income
Duplication

The MLM (Multi-level Marketing), network marketing, both, refer same business, model. While many close minded individuals outside the sector (and other people who have attempted it and failed), have biased or negative erroneous feelings. And despite the fact, it is used and exploited by many criminals and con artists, this business model has exceptional performance possibility.

There are bad apples in every group, and this sector has more than its share. But it might produce significant results in the event you realize the best way to discover the right company. Also to optimize your potential, there are several comfortable notions whose comprehension is essential for your success.

How to make your network marketing work?

Often people ask this question, here is a quick glimpse of critical areas that must be worked proactively to move forward your network marketing framework.

1. Decision

How do I go about discovering a network marketing company that can satisfy my needs? How can I be certain, I am selecting the right business? How do I determine up front if I will get the assistance and support to develop my business and move it forward? These are perfectly valid questions; additionally these are the issues you should ensure you possess the answers to before taking the plunge into the entrepreneurial world. One thing you need to understand is you will be eventually the one who is going to function as a real key to your success.

2. Opportunity

The fact is network marketing could be an extremely rewarding strategy to get a supplementary income. Additionally, if one is committed to building a business, it can be an important instrument in enhancing one's complete financial status.

A network marketing company could be life-altering for those who possess the desire, commitment and dedication to making it work. If you are consistent enough to persevere in your efforts, it is even possible to realize financial independence through network marketing. You are the one that must decide on where you need to go in life, and it is also your responsibility to formulate a roadmap that will get you there. The best network marketing company could function as the vehicle that drives one to financial success!

3. Product

Research your options before becoming involved with any network marketing enterprise! You need to select goods or an item that you are enthusiastic about and believe in. The products must be for that there is a higher demand, and something people prefer. If the products are consumable, where customers come back month after month to repurchase them, it is going to accelerate and stabilize your accomplishment. Now, that is what develops "RESIDUAL INCOME".

4. Setting Goals

Another thing to do will be to establish some goals on your own. 90 days? 6 months? 1 year? The aim of the targets would be to keep you on a course and to move forward. They provide you a road map to follow to develop your company. And, remember, it is possible to update and revise these targets anytime.

On final note

Network marketing is a brilliant instrument that will significantly enhance as well as alter your life. In case you choose to join the amazing realm of network marketing, be sure to treat it as a small business and much less a hobby. You must acquire the mindset that this is a company that could become your future lifeline and should you take it seriously.

Need of the hour

Need of the hour

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Well, we are all hearing about global warming these days very frequently. This global warming is the effect of increased concentration of GHG (Green House Gases) due to burning of fossil fuels & deforestation.

The temperature difference between the last Ice Age and now is about 5 Celsius. Average world temperatures rose by 0.7 Celsius in the 20th century, according to the U.N.'s Intergovernmental Panel on Climate Change (IPCC). Global average temperature is forecast to rise 4C (7.2F) toward the end of the 21st century, and this is a mere 90 years away. Even if began today, and stopped most of our greenhouse gas emissions overnight, we would still see a temperature rise of around 2C (3.6F) by 2090-2100.

Scientists are warning us to take precautionary steps; to keep the average global temperature not more than 2 degree celsius above pre-industrial levels. Otherwise, millions of people would be exposed to increased stress on water supplies, according to the IPCC in its last major report in 2007, based on research by 2,500 experts. It says more people would suffer from malnutrition, some infectious diseases and there would be more deaths from heat waves, floods and droughts. Up to 30 percent of species of animals and plants would be at increasing risk of extinction. Coral reefs would be damaged. Cereals production would decline in tropical areas but, in one benefit, would improve nearer the poles. Coasts would suffer increased damage from floods and storms. Anything more would be "dangerous" for life on the planet. Many environmental groups also have the same target. Small island states, which fear being wiped off the map by rising sea levels, say that dangerous impacts will start at a rise of only 1.5 Celsius.

Now, the global temperature is changing drastically at a rapid pace and we are becoming the victim of it. But, global leaders are just playing the politics which is very much visible by the recent Copenhagen summit. Kyoto Protocol is coming to end in the year 2012 but, no binding agreements have been entered by the global leaders to evade the unforeseen results of global warming.

Developed countries in the west are the clear spoilers of all this effects. They did not take environmental costs into account for their rapid industrial growth and development and now its the turn of developing countries like Brazil, Russia, India and China (BRIC) which are following the same foot steps. Both developed and developing countries are not ready to take any financial steps to evade this. If this politics continues we are going to end up lives on this earth.

There is a direct co-relation between the increase in GDP, energy usage and global warming. World GDP is growing at the rate of 2 to 4% p.a. World oil & gas reserves will last for 43 years & 58 years respectively based on the present level of consumption. After that we will end up in wide mis-match of energy supply and demand.

Now, its the hour of renewables. Renewables such as solar, wind, hydro etc. are the immediate requirements of the hour to stop the global warming and cope up with the depleting fossil fuels.

We have plenty of renewable energy sources which could supply the whole world energy requirements without any replenishment. It is estimated that MENA (Middle East and North Africa) area itself having solar capacity to supply three times the whole world energy present demand.

Then what is stopping in using these resources is the common question which evolves. The rough estimate of installing a MW of Thermal based power is 4 crores; while wind energy is 6 crores and solar energy is 8 crores (All in INR). This finance economics is what disrupting in putting up solar and wind power stations. It should be remembered that man is the creator of this world and developments. With the increase in usage and research in these fields would make these to compete with the non-renewables as it is evident from the decrease in the wind power cost in the past decade. All that is needed from global leaders is good and encouraging political support for the renewables. At present so, much push has been given by the global governments for the renewables but, this is not enough to keep the global temperature within the ceilings.

Forest covers shall be increased and environmental costs shall be levied on the use of fossil fuels to boost up the renewables. India has recently come up in their budget of levying INR 50 per tonne as the clean energy cess on coal produced or imported into India. Of course this is not enough and will not solve all the problems which India is facing now but, its the first step in making renewables more usable and competitive.

At present, world electricity production is 19.25 trillion kWh (2007 est.) and its growing at a much pacer rate than the increase in growth rate of world GDP. We shall harness all the renewables to boost up the world economy and to have a better life on this earth by getting rid of the global warming.

We need countries like Abu Dhabi, who are very much committed to renewable energies even if they are pretty much rich with fossil fuel resources. Established in April 2006, Masdar (the Abu Dhabi Future Energy Company) is a multi-faceted company advancing the development, commercialization and deployment of renewable energy solutions and clean technologies. Masdar integrates the full renewable and clean technology lifecycle - from research to commercial deployment with the aim of creating scalable clean energy solutions. And initiatives like the worlds first zero-carbon city are being built in Abu Dhabi and are designed to be not only free of cars and skyscrapers but also powered by the sun.

Another interesting fact about the consumption of meat and its impact on increased global temperature. The 400 page United Nations report has identified the growing herds of cattle / goats / pigs / sheep / chickens as the greatest threat to the climate.
Methane is one of the green house gases which is causing this global warming. Its an easy problem to deal with. It is produced from 4 main sources livestock and livestock manure, rice farming, coal mining and landfills. In all the international treaties that have come and are coming like the one in Copenhagen, the developing world has tried its best to keep methane out of the debate. And they have succeeded because the west is justifiably guilt ridden about their carbon dioxide emissions. But the time has come for both the developed and developing world to recognize that reducing methane is the quickest way to stop global warming.

Methane concentrations have doubled in the last century and by now they are 20% of all greenhouse gas emissions. While carbon dioxide emissions have increased by 31% during the past 200 years, methane has increased by 149%. What makes methane so lethal is that it may be less than carbon dioxide but it is 23 times more efficient in trapping heat in the atmosphere than carbon dioxide. Methane has a large effect for a brief period (8.4 years in the atmosphere), whereas carbon dioxide has a small effect for a long period. That means if we stop generating methane today, we will see the effect almost immediately.

The methane emissions for India, China and Brazil have doubled since 1990 and are expected to go up by 40% by 2020. There is only one reason and it is not an increase in coal mining or in landfills. It is because these countries grow animals for meat and milk.

In developing countries, the number of people eating meat and the amount they are eating every year has risen steadily. Between 1970 and 2002, annual per capita meat consumption in developing countries rose from 11 kilograms to 29 kilograms, according to the FAO. In developed countries, it has risen from 65 kilos to over 100 kilos. The annual global meat production will double from 229 million tons in 2000 to 465 million tons in 2050.

Livestock produce 23% of all methane because the fermentation in their intestines produces methane gas in the animals and their manure. A single dairy cow produces between 550-700L of methane a day
The worlds top destroyer of the atmosphere is not the car or the factory it is the meat eating human. And this monster is on the rise.

A meat eater contributes 1.5 tonnes more of greenhouse gases per year than a vegetarian. This means that our diet change will make more difference than if we replace our standard petrol car for an efficient hybrid car, which reduces annual greenhouse emissions by roughly one ton a year. Indias livestock of roughly 485 million contributes more to global warming than our vehicles - 11.75 million metric tons per year up from 9 million metric tons in 1994.

These cattle, pigs and sheep, chicken, goats did not want to be born we created them. They do not want to be killed but we kill them to eat. In the process, we are killing the planet. Their wind and manure are warming the world 23 times faster than carbon dioxide.
Be aware of the facts about global warming; educate our friends and fellows. Let us save our planet.

Murali Kashyap
Helsinki, Finland

Rabu, 11 April 2018

NCO Financial

NCO Financial

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Most collection agencies take the "vulture" approach. They scavenge on poor folks trying to stay afloat, but have been unable to remit payments for any variety of reasons. They employ debt-collecting methods that are not only unethical; they are downright disrespectful.

Many other, almost all, other collection agencies take the "vulture" approach. They harass poor folks who are going through hard times and are just trying to stay afloat financially. They employ debt-collecting methods that are not only unethical; they are downright disrespectful.

On the other side of the coin, NCO may just be different. Of course, they still are going to be diligently after debtors to pay up, but maybe in a more civil manner. They certainly claim to be concerned about the well-being of their targeted debtors. Still, they, like any profit-generating business, are most probably far more concerned with the overall contentment of their clientele. There's nothing incorrect about that. A business is created to generate profit and the more the better.

NCO is happy to serve the following industries:

- Utilities; - Retail; - Financial Services; - Technology; - Telecommunications; - Education; - Government; - Commercial/B2B; - Insurance; - Cable; - Healthcare; - Transportation; - and any other interested.

Of course, NCO is not that much different from the average collection agency; they just disguise them much more effectively. NCO is a multi award-winning corporation that has earned the privilege to call themselves an industry leader. They consistently outperform many similarly-based organizations, yet do so in apparently respectful style.

Unlike many other collection agencies, NCO is international. They have headquarters in 9 different countries. They maintain over 140 locations and over 30,000 employees. They are simply the largest organization of their type on the planet and their stellar reputation for effective practice and excellent customer service are the primary catalyst for this.

NCO goes on and on concerning their stellar performance standards and it is all probably well-founded. But, for the average consumer with debt problems, NCO is still a not a pleasure to do business with. As with any collection agency, NCO has plenty negative consumer reviews and lawsuits. However, considering the sheer volume of their business, they apparently offend consumers far less often than their vulture-based competition.

Contact Information for NCO:

United States Systems, Inc. 507 Prudential Road Horsham, PA 19044 (800) 220-2274 (215) 441-3000 (800) 550-9619 - Consumer Hotline (866) 269-8669 - Consumer Hotline Fax

Canada Services Inc. 75 Port Royal East, Suite 240 Montreal, Quebec H3L 3T1 General Inquiries: (514) 385-4444

Sales: (905) 819-4270

United Kingdom

NCO Europe Ltd. Old Docks House Watery Lane Preston, England PR2 1AU 01772 765000

Jumat, 06 April 2018

Microsoft Dynamics NAV for Ledger Highlights

Microsoft Dynamics NAV for Ledger Highlights

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The NAV has the General Ledger module which helps handle various aspects of Ledger in the Financial Domain. How does Microsoft Dynamics NAV impact General Ledger?

1. The enterprise resource planning system streamlines routine accounting processes with automated financial processes.
2. It enables the company to exercise stronger control on its Finances by integrating data and through intelligent transaction processing.
3. It offers robust analytical and reporting capabilities, which help reduce time and effort usually spent on accounting tasks.
4. It helps monitor the companys fiscal performance and also meet business and regulatory requirements.
5. Microsoft Dynamics Navision has a very intuitive user interface that can be customized to handle the most common tasks.
6. The personnel of the organization get to take better decisions based on real-time data. The solution offers powerful analytical capabilities and robust reporting services that help monitor performances, identify trends and solve problems.
7. Business can be done internationally with the softwares flexible accounting processes and its multi-language and multi-currency capabilities.
8. The core Financial Data of the entire organization can be centralized through the software. This includes actual, budgetary and average balances within a single ledger. A single posting process ensures effortless synchronization of summary balances for up-to-the-minute data.
9. The enterprise resource planning system helps achieve comprehensive financial transparency through integrated systems, shared data and drill down capabilities.

Navision features various functionalities which strengthen its case as most preferred ERP to handle tasks related to General Ledger.

1. Intercompany Transactions: These help define multiple intercompany relationships between parent and partner. These also help distribute purchase order costs directly to subsidiaries.
2. Interfund Accounting: This functionality reduces errors associated with manual reconciliation of funds. It also helps transfer balances smoothly between accounts.
3. The XBRL Support functionality helps distribute financial information over the internet and further helps simplify reporting across multiple formats.
4. The solution helps companies create detailed budgets with a clean breakdown of every general ledger account and also of every total in the chart of accounts. Once the budget has been created, actual balances can be printed and variances shown by percentage.
5. The solution helps filter budgets by up to four dimensions, in order to create sub budgets that match the organizational structure. It also helps assign multiple dimensions to identify financial information such as product, sales region and time period to further analyze better and correlate performances.
6. MS Dynamics NAV for General Ledger helps leverage these dimensions to create complex account schedules. The solution helps improve reporting with advanced options for selecting what to display in both row as well as column combinations.
7. It automates transactions with respect to general, recurring and auto-reversing entries. It enables the end user to post frequent transactions to ones general ledger through a recurring journal.
8. It creates a flexible user environment, one in which numerous journals can be accommodated each having its separate document series.
9. It helps out with detailed audit trails which help comply with financial regulations via easy data tracking. Besides, every entry gets assigned an entry number as well as a transaction number when posted to an account or a source code or reason code or user ID.
10. Companies into General Ledger get to do some highly intelligent transaction posting, which involves checking journal balances before posting entries and seeing how entries affect liquid accounts.
11. NAV offers functionalities for Foreign Trade and Currency Management, which help conduct business using a huge number of currencies. Companies can manage customer as well as vendor accounts in a foreign currency and maintain general ledger in different currencies.
12. NAV for General Ledger features never before seen security functionalities, which help guard financial data with role based access rights to information.

Kamis, 05 April 2018

Merrill Lynch

Merrill Lynch

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1. Given the changes that have occurred in the international capital markets during the past decade, does s strategy of expanding internationally make sense? Why? In a couple past decades the world has become a smaller place especially in the sense of communication and ability to conduct business internationally. With the emergence of new technologies managing and controlling has become easier than ever before, thus allowing companies to go global introducing their services and products in various countries. Not only technical assistance gave such a rise to multinational businesses but also international policies of countries that were closed before for foreign investment. For instance countries such as Japan and former Soviet Union have opened their markets for big companies from the United States and other economically developed countries.

2. What factors make Japan a suitable market for to enter? The fact of s leading position in the States and its acquisition of the leading mutual funds companies of economical giants such as Britain and Canada have made it possible at least theoretically to enter Japanese market. On the other hand it didnt consider national buying characteristics and regulations over financial service industry. However the removal of number of restrictions and allowing Japanese people to purchase foreign bonds and stock in the mid 1990 had made Japanese market suitable for entrance and establishment of foreign capital. Moreover their government understood the necessity of new blood in countrys economy which would be donated by foreign companies to enhance competition and bring in more funds.

3. Review s 1997 reentry into the Japanese private client market. Pay close attention to the timing and scale of entry and the nature of the strategic commitments is making in Japan. What are the potential benefits associated with this strategy? What are the costs and risks? Do you think the tradeoff between benefits and risks and costs makes sense? Why? The first attempt of to enter Japanese market failed as their market was not regulated to accept international players. In 1997 however the situation changed under the WTO agreement for the better allowing foreign firms to sell financial services to their national investors. Regarding their previous experience they were hesitating to enter Japanese market but it was clear that this time things have changed with open market and huge amount of assets owned by Japanese households were too attractive to miss such opportunity. It was perfect timing for as there were only few other foreign competing companies and their prior experience in private client market made it even more suitable. The bankruptcy of Yamaichi Securities in 1997 was a perfect circumstance for American company to start entering Japanese market. They first considered a joint venture that would allow minimum spending as they had a chance to use already existing distribution system of a known Japanese bank. On the other side they didnt see their presence on the market due to this venture in the long run thus they reconsidered this deal and were lucky to hire workers and buy Yamaichis branch offices in 1997. definitely won in this situation when establishing their companys position on the market without reporting and coordinating their moves with another Japanese company. The risk they took when working on their own paid off very quickly and significantly to their benefit, regarding enormous value of the assets held by the company.

Melaleuca Wellness Distributor Success Training

Melaleuca Wellness Distributor Success Training

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Melaleuca success is about teamwork. To not train your team properly is a cardinal sin that can only result in poor results. Considerable and lasting outcomes are what you want and the means to achieve them is by training your team in a way that develops positive growth.. New MLM marketers are led to believe that simply recruiting your warm market friends and family is sufficient to build a good income. The fact is it takes more than a few friends to make you rich in network marketing and Melaleuca Wellness is no exception.

The Melaleuca compensation plan works in two ways. Firstly you earn commissions on selling Melaleuca products and by recruiting a downline and earning residual income through the downline matrix. Given the structure of Melaleuca Wellness you need to consider how and where your income is made and make sure you allocate your time and efforts appropriately to maximise the wealth opportunities your Malaleuca Wellness business presents.

The most important message you should take away from this article is that when you're training your new downline members, you need to learn to have a balance between your product business and team mentoring. Without a calculated apportionment of your time to the core money making activities of your business you're not going to acheive the lasting financial success you are seeking. While you can make a good monthly income distributing Melaleuca products the key to long term residual income success in any MLM is to build your downline. Here are 3 tips to help you stay focused on your core business objectives and train your Melaleuca team at the same time.

Melaleuca Training Tip 1.The money is in leveraging the efforts of others. Recruiting a big a team gives you a network of geographic outlets for your products giving you much greater market spread than is possible through your own efforts. Focus 80% of your efforts on personally sponsoring new Melaleuca distributors. Your team will follow what you. If your spending the bulk of your time recruiting so will your team. This is what you require to make your business work.

Melaleuca Training Tip 2. Focus 18% of your time on training new distributors. Always focus your training on downline building first, product marketing second. Dont get caught up giving all your business building time to your reps You need to take control of your time management. An easy way to do this is to schedule designated times when you will be available. This way you can ensure that your team are getting the essential training and support needed to understand the details of the business, while giving you the ability to focus your efforts on developing the lifeblood of Melaleuca, sponsoring new distributors.

Melaleuca Training Tip 3.Focus only 2% of your time on the finer details of the business and outsource everything else to the customer service team at Melaleuca. This afford you the freedom to focus on business building and making money.

Always ensure that 98% of all of your energy is focused on activities that are productive for your business, activities that contribute to improving your bottom line. Creating long term residual income success with Melaleuca is about leading by example, being productive yourself and training your distributors to do the same.

Max Out Your Financial Aid Get Your FAFSA Done Early

Max Out Your Financial Aid Get Your FAFSA Done Early

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Several schools are seeing a record-breaking number of college applications this year, The New York Times reported today, with the competition for open spots more fierce than ever. An increased demand for admission can mean increased demand for financial aid, so if you need money from grants and student loans to help pay for college, the earlier you can submit your application for financial aid, the better.

It may not be on your list of favorite things to do, but getting your Free Application for Federal Student Aid (FAFSA) filled out and submitted is a must if you want to qualify for federal need-based financial aid like Pell grants, Perkins loans, and Stafford student loans (http://www.nextstudent.com/student-loans/student-loans.asp).

FAFSA Deadlines

The U.S. Department of Education will accept the FAFSA anytime between January 1 and June 30, but your state or school may set earlier deadlines. In fact, the FAFSA website encourages you to apply as soon as possible on or after January 1 to meet college and state aid deadlines.

Some schools, particularly those with a rolling-admissions program, may award their limited need-based grants, student loans (http://www.nextstudent.com/), and work-study financial aid awards on a first-come, first-served basis or have priority deadlines in place. So the earlier you get your FAFSA in, the more you may be able to maximize your federal financial aid award.

How to Get Started

1. Get a paper FAFSA application from your high school counselor or your financial aid office. Or download the online version from the FAFSA website at: fafsa.ed.gov.

2. Go to the FAFSA website and sign up for a PIN number at: pin.ed.gov/PINWebApp/pinindex.jsp. In order to submit your FAFSA online, youll need the PIN to electronically sign your FAFSA application. Youll also need the PIN to make corrections to your information online later, if you need to.

3. Get the documents you need and fill out your FAFSA. The FAFSA will ask you for your previous years tax info, as well as your parents tax info if youre a dependent student. If you or your parents havent received your W-2s or filed your taxes yet, keep going! The DOE allows you to estimate your income and tax information on the FAFSA and then correct it later if you need to. Submit your completed FAFSA by mail or online.

4. About 46 weeks later, you should receive a Student Aid Report in the mail summarizing your FAFSA info. Make corrections, if needed, and submit your SAR for reprocessing.

5. If your application is selected for verification, your financial aid office may ask you to submit tax returns or other documentation. To avoid delays in being awarded your federal grants and college loans (http://www.nextstudent.com/private_loans/private_loans.asp), make sure you meet your schools deadlines.

If youre a FAFSA newbie, getting through the application may seem overwhelming at first, but you can get free help from a number of sources: Set an appointment with your high school counselor, call your financial aid office, or contact the U.S. DOEs Office of Federal Student Aid online at: FederalStudentAid.ed.gov or by calling 1-800-433-3243.

Life After the FAFSA

If it turns out youre not eligible for need-based federal aid, you may be able to get the additional funds you need from nonneed-based federal college loans, like PLUS loans and unsubsidized Stafford loans.

If your education-related costs still exceed your available federal financial aid, both need-based and nonneed-based, you may be able to get the financial assistance you need from private student loans (http://www.nextstudent.com/private_loans/private_loans.asp) . Since federal student loans generally offer more attractive terms than private student loans, though, you should always look into your federal financing options first.

Learn more about Private Student Loans (http://www.nextstudent.com/) and Student Loan Consolidation (http://www.nextstudent.com/).

Network Marketing Is the Secret Ingredient of Multi-Level Marketing

Image source: https://s-media-cache-ak0.pinimg.com/736x/fd/92/8f/fd928ff1662a5abecafc950619e1ed50.jpg What is network marketing? Network...