Monthly Archives: June 2017

Make Dry Ice Blasting Your Small Business Opportunity

What is dry ice blasting? Dry ice blasting is a form of abrasive blasting industrial cleaning that uses a solid form of carbon dioxide known as dry ice. Pellets or ice is shot through pressurized air stream of either one hose or two hose machines.

Which System is Best? Most systems today are the single hose technology. Technology using the single hose was created by the Cold Jet company in 1986. One advantage of the single hose system is that it avoids the possible dangers of a pressurized hopper by the use of a quick cycle airlock. Another advantage of the single hose system is that it has more power and you can use a longer hose.

Making Massive Money! There are many ways to make money cleaning with Dry Ice. Many people prefer Dry Ice Blasting for paint removal, because it is less harsh than sand blasting. Another great business opportunity is to clean food processing equipment. Because it can decontaminate surfaces that could contain Salmonella and E. coli. Dry Ice can clean without residue so the Environmental Protection Agency prefers it to many kinds of solvent based cleaners. The Aerospace industry also uses Dry Ice Blasting to sensitive equipment like clean semiconductors. Manufacturers are also a great business opportunity because cleaning with cold can be used for maintaining their equipment and can drastically reduce their down time.

The Freeze Jet is just one of several different types of Dry Ice Blasting equipment. For around $ 3,000 you can usually purchase a Dry Ice Blasting machine.

What about Safety? How safe is this type of industrial cleaning? Cleaning with cold (normal pressure is -78C (-108 F) can be toxic if the concentration is over 1%. Asphyxia can be caused because of oxygen removal so Dry Ice must be used in a well ventilated area.

Safety Equipment: Typical safety equipment will include a positive pressure blast hood or helmet. Air hoses are attached to a grade D pressurized air supply, which is mandated by Occupational Safety and Health Administration (OSHA). Also using ear plugs for hearing protection is part of the usual safety equipment. Body protection usually includes gloves and overalls as well as a leather coat and chaps.

What fees can I charge? How much money can I make in this Industrial Cleaning business? Total typical fees can range in the $ 300.00 per hour range, so it can be one of the more lucrative types of industrial cleaning.

The Benefits of Dry Ice Blasting: This type of industrial cleaning meets EPA, USDA, and FDA guidelines. Has less clean up of the waste material. Extends the life of the equipment. Cleans more thoroughly. Reduces or eliminates equipment damage. Provided a safer cleaning environment. Is Non-polluting and environmental friendly. Can destroy and eliminate bacterial and fungal growth.

How can I get started? You can get started with your small business by beginning with a business plan. A business plan is a formal statement of business goals, reasons that they are attainable, and plans for reaching them. It may also contain background information about the organization or team attempting to reach those goals. It should also contain a good marketing plan. Then apply for small business government grants or small business loans, so you can purchase equipment.

Having your own business can help you to end money worries. Having a business plan is essential to having a successful small business. Knowing how to market your small business for little or no money is an important key to your business success as well. Imagine how much more profit you can have when you do not have to budget much on advertising.

Get Colossal Cash from Government Contracts. Companies interested in selling their products and services to the federal government (the United States General Administration Administration) can prepare by fulfilling applicable requirements, and registering in the appropriate systems. Companies may also participate by seeking sub-contracting opportunities with current contract holders. The General Services Administration provides and contracts for Billions of dollars' worth of products and services for federal agencies.

In summary Dry Ice Blasting can be an extremely profitable business and helps with the environment as well.

Credit Repair Business Plan

Here's the executive summary of a Credit Repair Business Plan:

  • A description of your company, including your products and / or services
  • Your mission statement
  • Your business's management
  • The market and your customer
  • Marketing and sales
  • Your competition
  • Your business's operations
  • Financial projections and plans

For someone looking for a credit repair business plan, a simple description may be "Ace Credit restoration provides credit restoration services to help consumers attain good credit and therefore have more attractive financing options. The company provides credit repair on a fee-for-service model Charging $ 800 to $ 2000 per client and reaches new clients via relationships by credit-dependent professionals (real estate, car dealers, etc.), financial professionals (tax, insurance, financal planners), consumer direct marketing (internet, radio, tv, postcards ), And past-client referral cultivation.

Any business plan should then talk about management, which indicates to your experience. If you have experience managing a team, attention to detail, and / or financial experience, this is relevant and should be included.

When writing about your client, the consumer, you'll find there are about 70 to 80 million americans with bad credit, many millions of whatever will need to finance a home or car or other purchase and will there be interested in purchasing credit repair services . While some people do attempt credit repair on their own, credit is becoming increasingly complex and important. Fewer people succeed or event attempt it, and like dealing with plumbing or auto repairs, most are willing to pay a professional to get it done right.

Next, you should include a specific marketing breakdown. We have found that at first, referral relationships are a great place to start. By offering "credit repair seminars" or "lunch and learn" events to local real estate agents or car dealers, you can quickly position yourself as an expert, develop referral sources, and help them sell more homes or cars. As your business grows, you'll want to branch out into mass media, internet marketing to increase your visibility and scale up your operations.

The next section generally will cover competition, which of course varies by market. Currently, the credit repair business is still open and large driven on referrals at time of need, meaning people often get their credit restored when preparing to buy a home or car, or after being declined for some type of financing (ie a credit card at Better terms than they have previously). Longer term, the internet is a massive source of business that still has fundamental opportunity. One still large untapped area requiring someone to execute their credit repair business plan is in the area of ​​social marketing (ie Facebook) and joint ventures with point-of-need media ie a referral relationship with leading real estate websites, car dealer websites, etc . Who depend on attractive financing.

Next, your plan should cover operations. You can run a credit repair home based business, or you can use office space. One under-used idea is renting a desk inside a busy real estate office. This can provide more than just a professional meeting place, but the abundance of agents who depend on their clients having good financing will actually guarantee some clients are delivered to you. This can also help embed your credit repair business into the local ecosystem of potential referring businesses such as mortgage, insurance, and financial professionals. Most real estate offices would be open to rent a desk or office within or near the facility. Another option for your credit repair business plan is to run a home based credit repair business, but have a set schedule at local real estate offices or car dealers to review any new files and answer questions the agents or dealers might have.

Financial projections and plans in your credit repair business plan should address startup costs and revenue, and possibly even exit such as sale of the company. Since there are systems that provide more than just software, but complete turn-key systems (similar to a franchise) including training to make you the expert, unlimited paralegal support, annual conferences, marketing support, legal support, and much more you should investigate Your options.

Obviously success varies by talent, work, resources and abilities with any business opportunity. That said, we know of affiliates who have taken their credit repair business plan and implemented on that plan, grossing over $ 100,000 per month. If you like the idea of ​​being your own boss and earning an executive level income, we encourage you to take look at your business plan as just the first step an an exciting new venture.

Digital Marketing – Revolutionized Marketing and Different Innovative Strategies

Digital Marketing is much like modern architecture in many ways. It is the way of the world and these guidelines are just a start to get your business off on the right foot. Mastering digital marketing is not a cakewalk. According to the Digital Marketing Institute, it is the required result of digital channels to promote or market products and services to consumers and businesses. It believes to be wavering these days as many companies that once used the old style of marketing are now going digital. It is essential in today's world that a company which exists physically, must exist digitally as well. It is believed that existing digitally gains advertising process. There exist a different and more approachable digital marketing tools like web designing, pay-per-click marketing, SMS, and email marketing. The following article will educate you in not one but many ways.

Direct marketing and advertising is an advertising in which companies offer physical marketing and advertising materials to consumers to communicate details about a service or product. Inbound marketing can likewise be an essential tool in the continuing retention of present customers, by creating communication with those customers and enabling business to engage with other customers by giving informative, educational result together with product promotions. While outbound marketing could reach a greater audience, additionally, it runs the danger of barring uninterested consumers also. If you prefer to do better marketing without harming your finances, direct marketing will probably be somewhat decent for you. Second, content promotion is a pull, instead of a push, strategy. To the contrary, it is a refreshingly new concept in marketing which provides a unique comprehension of consumer behavior.

Content can typically be about a service or a product, it might be be item, price, service charges or the selling of digital products like books, movies or software. It is something that helps in relaying old customers and theby helps in pulling traffic from popular search engines. The very first and most critical issue is quality content, try using attractive words that could connect nicely with readers. Step one on any advertising (or indeed, marketing) campaign needs to be to recognize the aims and goals of the campaign and the way they fit into the aims and goals of the business all around. Digital advertising and marketing campaigns will need to rely on these limits to be prosperous. Together with creating great advertising text (copy), you may want to study the way you can earn a corporation's marketing campaigns visually appealing, through the usage of banners, images, videos and more.

Although these facts may be true, but sometimes it gets difficult to do all these techniques in the company. Therefore, known and recognized companies and firms may hire a digital marketing agency to do on behalf of them. Most renovated digital marketing agency may not only offer quality and dependable benefits, also they have a digital marketing and advertising strategist which may help plan the most helpful campaigns. To be successful in today's day, companies need to continuously create new content that does not only get them found but also lets them capture leads. Soon it will not be enough for businesses to understand what you might want. All businesses wish to strengthen their relationship with clients and prospects. Now everyone is aware of what the business is shooting for. It is essential that businesses optimize their online properties effectively to be able to get to the top of the important important search engine result page.

Even though many mistake digital for internet, to their surprise online marketing is only a part of the huge digital marketing framework. In a broader sense, the net is the center of digital marketing. It has made easier for marketing managers to measure the results of a campaign. Since you can see the internet is by far not the only spot for marketers to assemble success, even in past couple of years. The web and the world have brought in an entire new perception of the advertising market. Thus, if you need to effectively advertise your business on the internet then seek the services of a renovated digital advertising company at the earliest.

Textiles Exports: Post MFA Scenario Opportunities and Challenges

Introduction

The Multi-Fiber Arrangement (MFA) has governed international trade in textiles and clothing since 1974. The MFA enabled developed nations, mainly the USA, European Union and Canada to restrict imports from developing countries through a system of quotas.

The Agreement on Textiles and Clothing (ATC) to abolish MFA quotas marked a significant turnaround in the global textile trade. The ATC mandated progressive phase out of import quotations established under MFA, and the integration of textiles and clothing into the multilateral trading system before January 2005.

The Agreement on Textiles and Clothing

ATC is a transitory between the MFA and the integration of trading in textiles and clothing in the multilateral trading system. The ATC provided for a stage-wise integration process to be completed within a period of ten years (1995-2004), divided into four stages starting with the implementation of the agreement in 1995. The product groups from which products were to be integrated at Each stage of the integration included (i) tops and yarns; (Ii) fabrics; (Iii) made-up textile products; And (iv) clothing.

The ATC mandated that importing countries must integrate a specified minimum portion of their textile and garment exports based on total volume of trade in 1990, at the start of each phase of integration. In the first stage, each country was required to integrate 16 percent of the total volume of imports of 1990, followed by a further 17 percent at the end of first three year and another 18 percent at the end of third stage. The fourth stage would see the final integration of the remaining 49 percent of trade.

Global Trade in Textile and Clothing

World trade in textiles and clothing grown to US $ 385 billion in 2003, of which textiles accounted for 43 percent (US $ 169 bn) and the remaining 57 percent (US $ 226 bn) for clothing. Developed countries accounted for little over one-third of world exports in textiles and clothing. The shares of developed countries in textiles and clothing trade were estimated to be 47 percent (US $ 79 bn) and 29 percent, (US $ 61 bn) respectively.

Import Trends in USA

In 1990, restrained or MFA countries contributed as much as 87 percent (US $ 29.3 bn) of total US textile and clothing imports, whereas Caribbean Basin Initiative (CBI), North American Free Trade Area (NAFTA), Africa Growth and Opportunity Act AGOA) and ANDEAN countries together contributed 13 percent (US $ 4.4 bn). Thereafter, there has been a decline in exports by restrained countries; The share of preferential regions more than doubled to reach 30 percent (US $ 26.9 bn) of total imports by USA.

The composition of imports of clothing and textiles by USA in 2003 was 80 percent (US $ 71 bn) and 20 percent (US $ 18 bn), respectively. Asia was the principal sourcing region for imports of both textiles and clothing by USA. Latin American region stand at second position with a share of 12 percent (US $ 2.2 bn) and 26 percent (US $ 18.5 bn), respectably, for textiles and clothing imports, by USA. In most of the quota products imported by USA, India was one of the leading suppliers of readymade garments in USA. Although China is a largest competitor, the unit prices of China for most of these product groups were high and thus provide opportunities for Indian business.

Import Trends in EU

EU overtook USA as the world's largest market for textiles and clothing. Intra-EU trade accounted for about 40 percent (US $ 40 bn) of total clothing imports and 62 percent (US $ 32.5 bn) of total textile imports by EU. Asia dominates EU market in both clothing and textiles, with 30 percent (US $ 30 bn) and 17 percent (US $ 8 bn) share, respectively. Central and East European countries hold a market share of 11 percent (US $ 11.3 bn) in clothing and 7.5 percent (US $ 4 bn) in textiles imports of EU.

As regards preferential suppliers, the growth of trade between EU and Mediterranean countries, especially Egypt and Turkey, was highest in 2003. As regards individual countries, China accounted for little over 5 percent (US $ 2.8 bn) of EU's imports of textiles and over 12 percent (US $ 12.4 bn) of clothing imports.

In the EU market also, India is a leading supplier for many of the textile products. It is estimated that Turkey would emerge as a largest competitor for both India and China. However, with regard to unit prices, India appears to be lower than both Turkey and China in many of the categories.

Import Trends in Canada

Amongst the suppliers of textiles and clothing to Canada, USA had the highest share of over 31 percent (US $ 8.4 bn), followed by China (21% – US $ 1.8 bn) and EU (8% – US $ 0.6 bn) . India was ranked at fourth position and was ahead of other exporters like Mexico, Bangladesh and Turkey, with a market share of 5.2 percent (US $ 0.45 bn).

Potential Gains

It may be noted that clothing sector would offer higher gains than the textile sector, in the post MFA regime. Countries like Mexico, CBI countries, many of the African countries emerged as exporters of readymade garments without having much of textile base, utilizing the preferential tariff arrangement under the quota regime. Beside, countries like Bangladesh, Sri Lanka, and Cambodia emerged as garment exporters due to cost factors, in addition to the quota benefits.

It may be said that countries like China, USA, India, Pakistan, Uzbekistan and Turkey have resource based advantages in cotton; China, India, Vietnam and Brazil have resource based advantages in silk; Australia, China, New Zealand and India have resource based advantages in wool; China, India, Indonesia, Taiwan, Turkey, USA, Korea and few CIS countries have resource based advantages in manmade fibers. In addition, China, India, Pakistan, USA, Indonesia has capacity based advantages in the textile spinning and weaving.

China is cost competitive with regard to manufacture of textured yarn, knitted yarn fabric and woven textured fabric. Brazil is cost competitive with regard to manufacture of woven ring yarn. India is cost competitive with regard to manufacture of ring-yarn, OE yarn, woven OE yarn fabric, knitted ring yarn fabric and knitted OE yarn fabric. According to Werner Management Consultants, USA, the hourly wage costs in textile industry is very high for many of the developed countries. Even in developing economies like Argentina, Brazil, Mexico, Turkey and Mauritius, the hourly wage is higher as compared to India, China, Pakistan and Indonesia.

From the above analysis, it may be concluded that China, India, Pakistan, Taiwan, Hong Kong, Brazil, Indonesia, Turkey and Egypt would emerge as winners in the post quota rule. The market losers in the short term (1-2 years) would include CBI countries, many of the sub-Saharan African countries, Asian countries like Bangladesh and Sri Lanka.

The market losers in the long term (by 2014) would include high cost producers, like EU, USA, Canada, Mexico, Japan and many east Asian countries. The determinants of increase / decrease in market share in the medium term would always depend upon the cost, quality and timely Review of Indian Textiles and Clothing Industry The textiles and garments industry is one of the largest and most predominant sectors of Indian economy, in terms Of output, foreign exchange earnings and employment generation. Indian textile industry is multi-fiber based, using delivery. In the long run, there are possibilities of contracting in intra-EU trade in textile and garments, reduction of market share of Turkey in EU and market share of Mexico and Canada in USA, and thus provide more opportunities for developing countries like India.

It is estimated that in the short term, both China and India would gain additional market share proportionate to their current market share. In the medium term, however, India and China would have a cumulative market share of 50 percent, in both textiles and garment imports by USA. It is estimated that India would have a market share of 13.5 percent in textiles and 8 percent in garments in the USA market. With regard to EU, it is estimated that the benefits are mainly in the garments sector, with China taking a major share of 30 percent and India gaining a market share of 8 percent. The potential gain in the textile sector is limited in the EU market considering the proposed further enlargement of EU. It is estimated that India would have a market share of 8 percent in EU textiles market as against the China's market share of 12 percent.

Review of Indian textiles and Clothing Industry

The textiles and garments industry is one of the largest and most prominent sectors of Indian economy, in terms of output, foreign exchange earnings and employment generation. Indian textile industry is multi-fiber based, using cotton, jute, wool, silk and mane made and synthetic fibers. In the spinning segment, India has an installed capacity of around 40 million spindles (23% of world), 0.5 million rotors (6% of world). In the weaving segment, India is equipped with 1.80 million shuttle looms (45% of world), 0.02 million shuttle less looms (3% of world) and 3.90 million handlooms (85% of world).

The organized mill (spinning) sector recorded a significant growth during the last decade, with the number of spinning mills increasing from 873 to 1564 by end March 2004. The organized sector accounts for production of almost all spun yarn, but only around 4 percent Of total fabric production. In other words, there are little over 200 composite mills in India leaving the production of fabric and processing to the decentralized small weaving and processing firms. The Indian apparel sector is estimated to have over 25000 domestic manufacturers, 48000 fabricators and around 4000 manufacturer-exporters. Cotton apparel accounts for the majority of Indian apparel exports.

Textiles and Garments Exports from India

The share of textiles and garments exports in India's total exports in the year 2003-04 stood at about 20 percent, amount to US $ 12.5 billion. The quota countries, USA, EU and Canada accounted for approximately 70 percent of India's garments exports and 44 percent of India's textile exports. Amongst non-quota countries, UAE is the largest market for Indian textiles and garments; UAE accounted for 7 percent of India's total textile exports and 10 percent of India's garments exports.

In terms of products, cotton yarn, fabrics and made-ups are the leading export items in the textile category. In the clothing category, the major item of exports was cotton readymade garments and accessories. However, in terms of share in total imports by EU and USA from India, these products hold relatively less share than products made of other fibers, thus showing the restrain in this category.

Critical Factors that Need Attention

Although India is one of the major producers of cotton yarn and fabric, the productivity of cotton as measured by yield has been found to be lower than many countries. The level of productivity in China, Turkey and Brazil is over 1 tonne / ha., While in India it is only about 0.3 tonne / ha. In the manmade fiber sector, India is ranked at fifth position in terms of capacity. However, the capacity and technology infusion in this sector need to be further enhanced in view of the changing fiber consumption in the world. It may be stated that the share of cotton in world fiber demand declined from around 50 percent (14.7 mn tons) in 1982 to around 38 percent (20.12 mn tons) in 2003, while the share of manmade fiber has increased from 44 percent (13.10 Mn tons) to around 60 percent (31.76 mn tons) over the same period.

Apart from low cost labor, other factors that are having impact on final consumer cost are relative interest cost, power tariff, structural anomalies and productivity level (affected by technological obsolescence). A study by International Textile Manufacturers Federation revealed high power costs in India as compared to other countries like Brazil, China, Italy, Korea, Turkey and USA. Percentage share of power in total cost of production in spinning, weaving and knitting of ring and OE yarn for India ranged from 10 percent to 17 percent, which is also higher than that of countries like Brazil, Korea and China. Percentage share of capital cost in total production cost in India was also higher ranging from 20 percent to 29 percent as compared to a range of 12 to 26 percent in China.

In India, very few exporters have gone in for integrated production facility. It is noted that countries that would emerge as globally competitive would have significantly consolidated supply chain. For instance, competitor countries like Korea, China, Turkey, Pakistan and Mexico have a consolidated supply chain. In contrast, apart from spinning, the rest of the activities like weaving, processing, made-ups and garment are all found to be fragmented in India. Beside, the level of technology in the Indian weaving sector is low compared to other countries of the world. The share of shuttle less looms to total loomage in India is 1.8% as compared to Indonesia (10%), Bangladesh (10%), Sri Lanka (12%), China (14%) and Mexico (29%).

The supply chain in this industry is not only highly fragmented but is beset with bottlenecks that could very well slow down the growth of this sector. As a result the average delivery lead times (from procurement to fabrication and shipment of garments) still takes about 45-60 days. With international lead delivery times coming down to 30-35 days, India needs to cut down the production cycle time mainly to stay in the market. Beside, erratic supply of power and water, availability of adequate road connectivity, inadequacies in port facilities and other export infrastructure have been adversely affecting the competitiveness of Indian textiles sector.

Conclusions

It is believed the quota period has frozen the market share, providing export opportunities even for high cost producers. Thus, in the free trade regime, the pattern of imports in the quota countries would undergo changes. The issues that would govern the market share in the post quota period would be subjectivity, raw material base, quality, cost of inputs, including labor, design skills and operation of economies of scale.

It is believed that quotas, by limiting the supply of goods have kept export prices artificially high. Thus, it is estimated that there would be price war in the post quota period, with competitive price cuts. The price and quantity effects would depend on the efficiency in production process, supply chain management and the price elasticity of demand.

Due to the expected fall in prices, developing countries with high production cost have little choice but to compete head-on with the largest low cost suppliers. In this process, it is presumed that there would be better resource reallocation in these economies.

It is assumed that quota restrictions would continue beyond 2005 in various forms. It is also widely recognized that removal of quota may not directly provide easy and unrestricted access to developed country markets. There would be non-tariff barriers as well. Standards related to health, safety, environment, quality of work life and child labor would gain further momentum in international trade in textiles and clothing.

Strategies and Recommendations

Cost competitiveness in Indian garments sector has been restrained by limited scale operations, obsolese technology and reservation under SSI policies. While retaining its traditional cost advantages of home grown cotton and low cost labor, India needs to sharpen its competitive edge by lowering the cost of operations through efficient use of production inputs and scale operations. Beside, there are needs for rationalization of charges, levies related to usage of export logistics to remain cost competitive.

As fallout to the quota rule, there would be consolidation of production and restriction on supplying countries, which would necessarily mean improved scale operations. Indian players should also integrate to achieve operating leakage and demonstrate high bargaining power.

It is reported that Chinese textile firms have already invested heavily to expand and grab huge market share in the quota free world. In India, organized players in this sector would require huge investments to remain competitive in the quota free world. These players need to expand and integrate vertically to achieve scale operations and introduce new technologies. It is estimated that the industry would require Rs. 1.5 trillion (US $ 35 billion) new capital investment in the next ten years (by 2014) to lap the potential export opportunities of US $ 70 billion. It is estimated that USA and EU together would offer a market of US $ 42 billion for Indian textiles and garments in 2014.

Technology would play a lead role in the weaving and processing, which would improve quality and productivity levels. Innovations would also be happening in this sector, as many developed countries would innovate new generation machineries that are likely to have low manual interface and power cost. Indian textile industry should also turn into high technology mode to reap the benefits of scale operations and quality. Foreign investments coupled with foreign technology transfer would help the industry to turn into high-tech mode.

Internally, trading in textile and garment sector is concentrated in the hands of large retail firms. Majority of them are looking for few vendors with bulk orders and hence opting for vertically integrated companies. Thus, there is need for integrating the operations in India also, from spinning to garment making, to gain their attention. This would also bring down the turn around time and improve quality. Indian players should also improve their soft skills, viz., Design capabilities, textile technology, management and negotiating skills.

Garment manufacturing business is order driven. It would be difficult for the players to keep the work full time, even in lean season. This calls for changes in contract labor laws.

Logistics and supply chain would also play a crucible role as timely delivery would be an important requirement for success in international trade. The logistics and supply chain management of Indian textile firms are relatively weak and needs improvement and efficiency. China has already created a world class export infrastructure. Given the volume of projections for exports by India, it may be necessary to create additional export infrastructure, especially investment for modernization of ports. In addition, India needs to invest for creating brand equity, supply chain management and apparel industry education.

To sum up, the ability of Indian textile industry to take advantage of quota phase-out would depend upon their ability to enhance overall competitiveness through exploitation of economies of scale in manufacturing and supply chain. The need of the hour therefore is to evolve a well chalked out strategy, aimed at improvement in the levels of productivity and efficiency, quality control, faster product innovation, quick response to changes in consumer preferences and the ability to move up in the value chain By building brand names and acquiring channels of distribution so as to outweigh the advantages of competitors in the long run.

Source: Export-Import Bank of India, India.

New Manufactured Home Foundation Essentials – 2 Must Have Upgrades

When purchasing and installing a new Manufactured Home, there are two upgrades that are recommended. They are installing a Vapor Barrier and Earthquake Bracing. Each is explained here:

Mobile Home Vapor Barrier

A Vapor Barrier for a Mobile or Manufactured home is a sheet of thick, rubbery plastic that goes directly over the dirt under a Mobile or Manufactured home. The foundation piers then rest on top of this barrier.

You really need to make sure a home you buy or have installed has this protection. Mobile and Manufactured homes need dry ventilation underneath. This barrier will prevent any moisture from damaging the home – especially rotting of the floors, but also helping with fungus, mold, and termites.

Making sure that a vapor barrier is installed before you buy a Mobile or Manufactured home is absolutely necessary. And the additional cost is very minimal considering the amount of protection you gain.

If you are buying a mobile or manufactured home that is already on a space, but with no vapor barrier, then you can hire a contractor to install a vapor barrier under the home. They will just have to cut pieces that will go around the pier-and-post foundation and all piping in place. This is not ideal, but way better than no barrier at all.

Mobile Home Earthquake Bracing

Earthquake bracing is recommended in California, and elsewhere earthquakes are common. Mobile Homes and Manufactured Homes are especially susceptible to damage in a earthquake due to their foundation system (most of the time they are installed on a pier-and-post system).

Earthquake bracing is a simple upgrade that can increase the value of your home by at least the cost of installation of the bracing. This cost is running from $ 2000 to $ 4500 in California right now. The actual brace is like a shock absorber in a car, but installed at an angle from the steel I-beam on the bottom of the home, and anchored to the ground. This brace will keep the home away from the pier-and-post foundation.

Insurance companies may insure on having earthquake bracing installed if you want to purchase earthquake insurance on your Mobile Home or Manufactured Home.

Earthquake bracing can also help a Mobile Home not come off the foundation in high winds, although it is not designed to do this and should not be relied on for this.

Pictures and further explanation on both of these upgrades, as well as a whole bunch of free information, tips, advice, and recommendations can be found at: http://www.free-mobile-home-info.com

Production Linearity – Eliminating the "Hockey Stick Syndrome"

Why is linear production so important? It's simple; "It's where the money is!" Scrap, rework, overtime and poor quality are all non-value-added costs that increased as a function of the famous "Hockey Stick Syndrome". That is, as we delay our production schedule completions towards the end of the month (or worse, to the end of the financial quarter), there is a tremendous pressure put on Manufacturing that produces shop floor chaos that generates significant non-value-added Cost. We usually end up making the production plan and financial forecast because the "Knights in shining armor" come through with a last minute, heroic performance. But, at what cost? Some companies actually give up 10 to 20% of their potential profit margins because they have developed and fostered a manufacturing team that perpetuates the "Hockey Stick Syndrome".

Companies that continue to live with the end-of-the-quarter "push" will never achieve their full growth and profit potentials. How do you smooth schedules and achieve linear production? The challenge is in how to keep daily pressure on the critical path of schedule achievement. We need to have the visibility of all critical tasks and millions of day one of the quarter and create team awareness and commitment to their timely achievement. Our manufacturing team must become sensitive and proactive in the execution of early production planning details and they must learn to apply their creativity and energy in a linear style. To be sure, up front planning and execution can yield amazing manufacturing results and lead to profitability beyond expectations.

The most effective production manager I've ever known used a huge magnetic board to schedule production planning details and monitor production linearity. An early focus on details, corrective actions and recovery planning was his management style. He would hold early morning meetings every day to status yesterday's progress on the magnetic board and to establish the daily challenges. He was an expert at team dynamics and his people always new what they had to do and they were always provided the tools to get the job done. The combination of the magnetic board, the morning meetings and his team dynamics skills made this production manger an effective leader and an expert in achieving linear production.

Today many production managers are still trying to solve their linear production problem by pursuing a sophisticated computer software solution. Most companies are now using MRPII / ERP manufacturing systems to control their production environments. These systems do not provide a focus on the detail, up front tasks and milestones that are critical to linear production and certainly have not presented a solution to the "Hockey Stick Syndrome". On the other hand, using an old magnetic board in this day and age of computer sophistication may not be an acceptable alternative. A good trade-off may be to develop a simple computer spread sheet specifically designed to plan critical production milestones and to measure / monitor production linearity.

Using this daily schedule as the "bible", the next step would be to retrain the "Knights in shining armor" to gradually shift their manufacturing paradigm from end-of-the-quarter "fire fighting" to daily proactive problem solving.

Finally, it is important to differentiate between shipment linearity and production linearity. In a widget, make-to-shelf manufacturing company that build substantive finish goods inventory and in highly engineered capitol equipment manufacturing companies the two linearity measurements will not be equal.

Shipment linearity may be more of a function of Sales' bookings and customer's preference rather than nonlinear production. Consequently, the measure of production linearity must be developed to measure the performance of the manufacturing process and not be affected by Sales bookings or customer related shipment delays.

What You Need To Know About Information Systems

We live in a world today in which everything happens at a jets speed. In business and in our personal lives we need to keep up with this speed of data processing so we are exposed to various channels and devices. The internet remains one of the most fundamental means of optimizing business transactions because rendering physical boundaries like distance very negligible. As the internet continues to transform business opportunities one major cause of concern is the method of payment for goods and services on this platform. It is not news that electronic finance aims at changing the face of the financial industry by encouraging online banking, brokerages, etc. leveraging on the Internet's accessibility across the globe this phenomenon has been very advantageous in terms of

1.Reduced cost
2.Increased quality of service and
3.Greater access to financial services.

In as much as the opportunities for growth and business awareness through the internet are limitless this also presents a threat to the financial institutions and to the individual customers. Before the advent of the Internet, the most secure way of keeping money in the bank was by using a high tech vault and securing the place with efficient security officials and burglary systems and if money is to move a bullion van is used to convey it from One location to the other in the company of heavily armed security officials. But as bullion vans are rapidly being replaced by Electronic Funds Transfer Systems (EFTs) a more sophisticated means of securing money has to be put in place. In my own words the EFT is more like an amplifier, because all along there has always been the existence of bandits and bank robbers. Only that they were limited to the technology available in their time. These same bandits are still on the prowl and this time having sufficient technology at their disposal to carry out their illicit acts. In Nigeria today for example the Government recently set a standard for electronic payments mandating the use of only PIN and CHIP cards because of their tested security features and their validity. But then we as individual users should not always wait or expect the financial institutions and the Government to do all the work so the following basic steps that we as individuals can take to put some level of security on the use of an Electronic Funds Transfer System .

Understanding the necessity of Encryption Standards: Although this may be somewhat technical for regular users of EFTs but it can easily be done by verifying the use of Digital Certificates of any institution that provides the platform for an EFT. This is usually displayed on the website of the company and you may go a step further by confirming the existence of an independent body that signs off that site as secure examples of such independent bodies include Verisign.

Importance of Acknowledgments or notifications: Although many financial institutions use this concept to promote non-repudiation (a process where the individual can not deny making a transaction). It is also important as an individual to receive alerts whenever transactions are made to help track the time and location of any illegal transaction on your account.

The use of time stamps: This is also primarily used by the institutions to prevent replay of transactions as multiple transactions with similar time stamps would be disregarded except the original. This would also be handy for an individual especially when a huge volume of transaction is posted wrongly such transaction history can be traced and reversed accordingly.

When using retail EFTs such as The Automated Teller machine (ATM) and Point of Sale Systems (POS) it is necessary to understand these concepts.

1. Avoid using birthdays and anniversaries as PINs or Passwords as most of them are easily compromised.
2. Avoid writing down your PIN or Password for any reason.
3. Never dislose your PIN to anyone not even your institution has the right to ask for it.
4. Limit the amount of personal information you provide on various online Communities eg Facebook. Twitter, flickr etc.
5. Beware of Shoulder Surfing when entering your PIN or Passwords.
6. As much as possible put some restriction to the access granted to your mobile phones, BlackBerrys, PDAs, PCs or Disk drives especially when they contain sensitive information.

Little information can give away large assets. The best way to avoid this is to be security conscious and understand whatever technology you are using as an individual or as an enterprise.

Credit Repair Services: Do You Really Need It?

Repairing credit can be compared to losing weight, there is no quick-fix! Just as it takes time to get rid of your fat, the same goes for the negative items on your credit report. Any attempt to repair your credit quickly is more likely to backfire, than to produce any positive result. The best thing that you can do in order to rebuild your credit is to be responsible in managing it over a period of six months at the least.

You need to be responsible in managing your credit, but what if there are errors and inaccuracies in your credit report that render it negative? The worst thing about such inaccuracies is that you are at a serious disadvantage, usually through no fault of yours. Unfortunately, a study by US Public Interest Research revealed that 70 percent of all credit reports contain serious errors.

Fixing these errors involves a detailed legal process which consists of sending dispute letters to creditors and credit bureaus, sending reminders, studying the documentary evidence provided by creditors and bureaus, and more. Like most people, you might not have the required time and expertise to follow through on all of these processes efficiently. This is where credit repair services can help you out. Now it's important to understand that it will not be possible to improve your credit score in a few weeks. As previously stated, this is not possible even if the negative items in your credit report are due to error.

Time taken for Credit Repair
Creditors and credit bureaus are required by law to produce original documentation in order to prove the negative items that are present on your credit report. They can not take more than 30-45 days to do so. However, drafting and sending dispute letters may take some time as well. Some people think that it is possible for any consumer to get his or her credit score corrected without any professional help, which is true but very practicable.

Anyone whose credit report contains errors can try to draft their own dispute letters and send them to the concerned parties, but it is time-consuming and it takes a lot of mental effort. Unless you are ready to take this duty as seriously as you take any other professional commitment, do not even try! Hiring a reliable provider for credit repair services, which would be a company that has more than a decade of experience helping thousands of customers with unfair negative credit reports, can help you correct your credit score without too much fuss.

Credit report repair services are particularly useful when :

– The negative items on your credit report are due to accounting, reporting or any other error committed by creditors, credit bureaus or collection agencies. Genuine errors can be triggered off from the reports smoothly when you go through the proper procedures.

– The credit repair service providers are good at identifying errors that can not be verified. By law, if any item in the report can not be backed up by documentary evidence, it needs to be removed. This loophole can be used by credit repair companies to improve your score.

– Some lenders are willing to negotiate with credit repair representatives of their consumers. If your lender allows it, this can help you raise your credit score.

A credit repair company is an effective alternative for you if you have a lower credit score. They will take the necessary steps at removing any inaccurate information from your credit report which will eventually improve your credit score.

Automated Real Estate Software – The New Trend in Investing

The value of real estate has appreciated in the last few years. It also shows great potential for growth. Here, now might be the best time to look at an investment in property. However, if you've spoken to someone who already has his knee deep in real estate investing, you will realize that a lot of things are easier said than done.

It requires skill and experience to scour the market for high value properties.

Then comes landing good buyers.

Finally, there's a humongous amount of paper work to handle.

This is where real estate investing softwares might lend a hand. They automate the entire process of real estate investing. If you would like to know more about such applications, here's a low down on some of the common features they offer.

Lead generation –

At the click of a single button you are able to find a comprehensive list of buyers and sellers scattered across the country. The information elicited includes names and mail addresses of buyers, owners of properties, the type of property (bank owned, foreclosed, low and high equity, absentee owner etc.) and amount of cash paid.

Website creation –

Every business needs a website, especially if you do not have a physical location from which operate. Not all of us know the technicalities of writing HTML codes and designing a website. The real estate software can help you create targeted and user-friendly websites that you can use to showcase your business.

Direct mail generator –

Marketing is the soul of a real estate business. The more you network the more leads you can generate. The direct mail generator feature helps you setup a highly productive and efficient mailing system. You can send out emails, newsletters, posters and flyers.

There are a range of pre-made email templates you can use to send out messages to your leads. Autoresponders make sure you can keep in touch with sellers and buyers even when you are not physically present to answer their questions.

This feature is a highlight feature of most real estate software given that the savings in time and money are large.

Investing tips –

This is a section that most newbies can benefit from. Most applications include a resource library with info on the basic aspects of the trade. An open community of members can also give you an opportunity to interact and build your resource with real-time knowledge about making, building and closing a deal.

Diverse user base –

Modern-day automated real estate investing software applications cater to a diverse group of investors. It includes those who buy, fix and flip properties. If you are a landlord, it can increase the convenience of managing your properties including finding tenants and repairing and renovating properties between consequential transactions. There are also features that rehabbers and builders of new constructions can use.

Contracts and paperwork –

Real estate investment also means a lot of paperwork. Most applications offer tools to generate contracts. Features such as auto-fill enable you to fill personal details into letters, contracts and other property-related documents. You can sign them online, and then email or fax them free of charge.

There is one thing – you need to be realistic. Real estate software is tools you can use to streamline your business. You should have a real estate business to start with and some basic know-how on investing.

The Pains of Doing Online Business in Africa

Take it or leave it, Africa is a great continent. It is my beloved continent with an estimated population of 1.216 billion people.

There are about 7 billion people with unique skills, talents, knowledge, and experience. God bless humanity.

So, if you think of the right market to sell your goods or services, come to Africa.

This is the optimistic part of this story. It is good to begin 2017 on a positive, optimistic level.

Now, let us come down to reality. The world has gone digital. But, Africa is still slow in moving from analogue to digital age.

Corruption, illiteracy, poverty, lack of social amenities, lack of trust, lack of knowledge on what it takes to run a business online, are some of the factors militating against Africa and Africans.

Internet penetration is 28.7 percent in my beloved continent. Compared to North America with 89 percent penetration level, this is a far cry.

This means North America with an estimated population of 579 million people is more digital than Africa. But, Africa has the market. In fairness, businesses are striving in the continent.

Lots of Africans know little or nothing about online business and think that people who do businesses online are either fraudsters or criminals.

This is not true. There are genuine and fake business owners everywhere, internet inclusive.

Trust has also made it impossible to do business online. With the world becoming a global family, business owners do not need to meet physically to transact business. There are no restrictions in this digital age to running businesses.

Everything and anything could be sold online and money in local and foreign currencies transferred from one part of the world to the other.

But, my good friend in Lagos, Nigeria, who has masters degree from one of the oldest universities in our country know little or nothing about running an online business.

We were discussing yesterday and he told me bluntly that he knows next to nothing about online business.

So, he is comfortable moving his vehicle parts from one place to the other in search of customers.

This is the pains some of online business owners are going through through Africa with great potentials.

But, the pains of not getting enough customers from Africa for your business are a passing phase. Even as the Bible says, this will pass away.

Therefore, in 2017, I am positive that more and more business owners will gain the pains of going from analogue to digital in Africa.

I get the feeling deep down that ten years down the line, the story will change for the better and internet penetration in Africa will rise.