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Refill Your Toner Cartridges – Razor Blade Economics

July 24th, 2010 by News World Report

commercial construction My title probably fits in with today’s economic outlook – many senior politicians look with horror and more importantly with complete impotence as world economic affairs steam roller their carefully laid targets and forecasts. At times like these we see we are simply hostage to the fortunes of a global economy and our politicians who we blame or praise are largely irrelevant.

But enough of the politics – my article refers to an interesting economic phenomena which you are probably aware of – it sounds like just straight forward economic sense but there is a sinister side which I hope to illustrate.

juegos To quickly explain the article title – I’m sure all men will relate – there is a an economic strategy pursued by many, many companies that is best illustrated with reference to razors. I’m sure we’ve all purchased the latest razor with the 5 lubricating strips and the ten blades to shave you closer – often purchased very reasonably with a blade or two thrown in free in a glossy presentation pack. To be fair they do improve – so on your next shopping trip you pick up a pack of replacement blades for your new razor – you’ll almost certainly be shocked about the price. Often two or three times the cost of the original razor – my local supermarket puts the anti-theft tags on packs of blades but not the razor to illustrate the point,

Welcome to the world of razor blade economics – your product the razor – can really be sold at whatever the price – in some senses it’s not important. The razor is heavily discounted and promoted – it’s often sold at minimal profit – the real riches lie in the replacement blades that you must buy or your purchase becomes useless i.e. the razor blades.

If you’ve felt ripped off you are not alone – but unfortunately this practice is not isolated to the razor market and the solution is not as simple as growing a beard. Another less obvious example are printers – inkjet, laser even dot matrix printers. All are heavily discounted – often a superbly engineered and manufactured inkjet printer can be purchased for a very small amount of money.

In some ways you can’t blame the companies – they are just maximizing profits – disposable equals replacements which equal more profits. It certainly is not in any companies interest to allow you to reuse a product cheaply and easily.

commercial property Second set of examples:

Example #One: the Governmental takeover financial institutions and even large corporations could be having a very negative effect on the real Economy by interfering with the Market forces.

Example #Two: the Governmental takeover of financial institutions and even large corporations could prevent the Economy from collapsing in a point when the whole Economy is at stake.

Hence, under different circumstances different the tools of Economics play in different ways.

Third set of examples:

Example #One: The Chinese Government socialization of the Medical services and redistribution of Wealth had a very negative effect in the 50s and 60s which lower Chinese productivity and economic development.

Example #Two: Current Chinese Government socialization of the Medical services and redistribution of Wealth has a positive effect for overall Chinese development by expending the overall Economy.

Hence, social services and redistribution of wealth by the Governments could have different effect on the overall development under different circumstances.

Fourth set of examples:

Example #One: The subsidies of the Auto Industry by the US Government in the past has given the Big Three a false sense of security and added in consequence to their demise.

To use my laser printer as an example – replacing the toner cartridges costs over £200 – a little short of the cost of the printer. I can buy at a specially reduced price (still over £200) if I send them back the old cartridge – in a nice green bag with a tree on it.

That’s where your personal leadership comes in. Passive residual income is every online entrepreneur’s dream, but it takes active leadership while you’re building your business to earn your reward.  

So a word to the wise — don’t quit your day job while you’re building your MLM business just yet. Take your time and let yourself grow into it. The beauty of MLM is that a small investment can yield tremendous benefits down the road for those willing to stick it out for those 3-5 years. There’s also the possibility that as you become more confident with MLM, you’ll want to explore other income streams that yield bigger and more immediate residual income like a Top Tier Direct Selling program. In fact, you’ll be able to use the skills you picked up from MLM and use them in any type of business..

The tools of Economics in a ever-changing Global Market could be used as parameters only when a appropriate concept ional statistical system of evaluation of the economic processes is used in which these parameters are taken in a practical matrix.

When for example:
social wealth distribution is appropriate for balancing Supply to Demand and other Market forces it should be non political issue such to be implemented in the opposite when social redistribution of wealth turns the point from a positive to a negative effect on the Economy such redistribution must be limited appropriately. You can be published without charge. You can to republish this article in your website or blog. Please provide links Active.

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Home Loan Modifications Save You Money

July 23rd, 2010 by News World Report

 

“How does it feel?” The man asked.

“How does what feel?” The woman replied.

“How does it feel wasting your money each and every month on your home mortgage?” The man continued.

“I didn’t know I was.” She said in a bewildered tone.

“Well, if you haven’t taken the time in the last year to really take a look at the potential for lowering your interest rate and monthly payments, I promise you that you’re flushing good money down the toilet.” He surmised.

Stop Throwing Your Money Away…

We hear it time and time again; “thank you so much for the money you’ve saved me.” When you’re paying on an out-of-whack home loan, you’re essentially just throwing your money away. Part of the Home Loan Modification process is putting money back into your pocket, instead of your lender’s bank account.

As a part of our economic recovery, the more money you have to spend on commerce, the better it is for the collective people. That’s one of the main objectives behind government support to encourage lenders to freely approve Home Loan Modifications; it makes cents. Home Loan Modifications are a powerful method to readjust the inflation of America’s last decade back into resonance with where interest and payments should really be.

One of the biggest reasons lenders weren’t previously as forthright about approving your Home Loan Modification is pretty simple: They were making a lot more money from you than they should, and without adequate help or intervention on your behalf, lenders saw no reason to assist those who sought out an appropriate restructuring to their mortgage.

Thankfully, things have changed…

Not only have circumstances changed; it’s not uncommon for people paying on high interest loans to see their monthly mortgage payments drop significantly. In fact, depending upon where you live, you could see a drop in your interest and payments that dramatically change your lifestyle. How amazing would it feel to have an extra $500, $800, $1,000 or more extra every month? It would make an enormous difference, wouldn’t it?

Able Financial Solutions will negotiate a loan modification in your best interest, if you qualify. Our goal is producing the best results for your particular situation. The Home Loan Modification process is quite frankly something everyone should be looking into. The financial reality of both residential and commercial markets are completely different than when people bought their properties from the late 90’s – 2005.

It’s your absolute right to restructure your home loan to match the current market value.

We’re putting this information out there as bluntly as possible because a lot of people simply don’t know the powerful options they have in times of hardship. Indeed, stress and fear can be blinding.loan modification

n fact, if you’re struggling just to make ends meet, and keeping your home is becoming more and more of a difficulty, then you’ve simply got to begin the Home Loan Modification process NOW! Stop convincing yourself “this is just the way it is.” Sure, it might be right now, but your situation can change in a heartbeat. The path towards financial empowerment begins by picking up the phone and calling Able Financial Solutions to discover how a Home Loan Modification will create relief in your life.

Working with Able Financial Solutions enables you to:

  • Stop paying on a high interest, high monthly payment mortgage immediately.
  • Feel free from the burden of believing you didn’t have any other option but to continue paying way more money than you really have.
  • Keep your home safe from foreclosure.
  • Have more money in your pocket for the stuff you’d really enjoy doing.
  • Avoid having to just give the keys to the bank and walk away from a financially toxic situation.

Look, at the end of the day, it doesn’t matter what financial class you fall into. Home Loan Modifications are an appropriate step for just about any homeowner to take. The process of renegotiating your home loan is an amazing reprieve from believing you were stuck in a horrible contractual obligation. Your lender has learned its lesson. They know that holding you accountable for a lopsided loan isn’t in anyone’s best interest these days.mortgage modification

Did you know?

  • Lenders are directly sending out packets of information about how you can perform your own Home Loan Modification? (Many lenders do this so you don’t seek out representation.)
  • There are literally millions of homeowners who would hugely benefit from entering into the Home Loan Modification process right now?
  • More Home Loan Modifications are approved now than perhaps at any other time in American history because of government intervention and oversight?

Able Financial Solutions is proudly in the business of saving you money. We believe that every homeowner has a responsibility to discover if a Home Loan Modification would be of assistance to them. Why? The more people who empower themselves, and help society gracefully recover from the real estate financial bubble popping; the faster we’ll individually and collectively become prosperous again.

When you participate in the Home Loan Modification renegotiation process, you are:

  • Taking your power back from the banks and lenders who perpetuated this economic madness.
  • You’re also making sure you’ve got way more money, sanity, and energy to focus on what really matters to you.

Do the math… Do you want to continue giving your lender more money than they deserve? Or is it perhaps time to take back your power and save yourself an absolute ton of money, stress, and anxiety?

Able Financial Solutions is ready when you are once you’ve come to the obvious conclusion. We’re also here to help you become aware of whether you even need our help to perform a successful restructuring of your home loan… Hey, we’re in this economic recovery together, right?home loan modification

Please don’t hesitate to email or call to determine if you qualify for a Making Home Affordable loan workout or lender mortgage modification.

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Home Loan Mortgage Modification In Southern California

July 23rd, 2010 by News World Report

Home Loan Modification in Southern California

 

Able Financial Solutions specializes in Home Loan Modifications in the Southern California area. We’ve gone way above and beyond the call of duty to familiarize ourselves with the unique circumstances home owners contend with from Los Angeles to Riverside; from Orange County to San Diego. Our expertise rests in our ability to understand and connect with the average person dealing with hardships.

 

At Able Financial Solutions, we pride ourselves in bringing forth factual, up-to-date information that helps struggling and savvy homeowners alike make intelligent and informed decisions about Home Loan Modifications. We also acknowledge there are a lot of Home Loan Modification experts who can make the negotiation process with your lender appear more intimidating than it really is…

 

We’re not here to necessarily convince you to do business with us (although we appreciate everyone who is drawn to work with us). Our mission is to increase the positive awareness about Home Loan Modifications, especially as it pertains to the Southern California area where we reside.

 

Home Loan Modifications in Southern California are an amazing opportunity for any homeowner who seeks out their government supported right for mortgage restructuring!

 

There are a lot of misconceptions, misinformation, and old truths not yet retold about Home Loan Modifications. If you’re a homeowner in L.A., Riverside, San Bernardino, O.C., or San Diego, listen up: The information we’re inspired to share with you is going to help you tremendously in making the right decision about your ever-expanding mortgage restructuring options.

 

Let’s get straight to the heart about the Home Loan Modification reality:

 

  • The Obama Administration believes Home Loan Modifications are an essential piece for economic recovery. Obama has created a 75 million dollar federal program that helps people with home loans of less than $729,750 succeed in restructuring their mortgages.

 

  • Lenders like Chase, Bank of America, and Citi Bank (just to name a few) are extremely compliable about approving Home Loan Modifications. Whereas, a couple years ago, Southern California lenders were quite stubborn about approving home loan restructuring of any kind. New precedence about government funding and overseeing has changed the way lenders treat mortgage loan modifications. These are empowering times for homeowners, as much as they are scary for people who don’t know their rights and options. (Note: Individual lenders are more apt to approve different aspects about your home loan modification. Contact Able Financial Solutions to learn more about your specific situation.)

 

The truth is that Home Loan Modifications are absolutely perfectly suited for anyone unhappy with the structure of their mortgage:

 

  • Are you paying a loan that’s under water, e.g. no equity?

 

  • Have you been unable to pay your monthly mortgage and need to find a solution immediately to prevent foreclosure?

 

  • Are you already in the midst of foreclosure proceedings and are experiencing a lot of fear about what options you have to save your home?

 

A lot of people fail to seek out the options they have to restructure their home loans because of fearing the unknown. These ever-changing economic times, while difficult for a lot of people; are also affording YOU the opportunity to renegotiate with lenders in ways that weren’t as possible a few years ago. Lenders in Southern California don’t want an abundance of foreclosed properties. That’s of no benefit to anyone. Don’t allow the noise in your head keep you from taking deliberate and immediate action to better your life because of not fully knowing your options. The fact is that Home Loan Modifications are appropriate for anyone in the Southern California area who wants to:home loan modification

 

  • Lower their interest rate.

 

  • Lower their loan principle to be more in harmony with today’s reduced home and property values.

 

  • Stop paying ridiculous monthly payments for their outdated principle loan.

 

No, you are not helpless.

No, your home loan circumstances are not hopeless; even if you were rejected for a Home Loan Modification in the past.

 

Able Financial Solutions has special relationships with many of the lenders in Southern California that allow us to complete a modification in 3-5 weeks. Our unique ability to expedite your Home Loan Modification is a peace of mind we enjoy giving our customers.loan modification

 

When you work directly with Able Financial Solutions, we also take the burden of stress off your shoulders by:

 

  • Determining the outcome of your Home Loan Modification before imparting any financial obligation to you.

 

  • We also work with you to create a monthly payment you can afford before there is any cost to you.

 

In plain black & white English, there are absolutely no upfront costs for your Home Loan Modification. You can take that to the, um, lender!

 

Take the first step and contact us today. We’re here to help you become aware of your specific Home Mortgage Loan Modification options. More importantly, Able Financial Solutions will give you the freedom to finally leave behind all the stress, worry, doubt, and fear about your cherished home. We can facilitate your ablility to regain your sanity and equilibrium so can live a more hassle free life. Isn’t that what we all want?home loan modification

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Economics – It Is Time For American Workers To Stop Blaming China

July 23rd, 2010 by News World Report

condominiums It is amazing that the American workers are so quick to blame things like NAFTA, and our foreign trade policies with other nations as the reason that there are fewer and fewer jobs in manufacturing these days in the United States. We need to stop blaming China for instance, and not allow that excuse so much weight during our national political discussions, and each subsequent future election.

juegos Whereas, it is true that many of these jobs leave the country because of the low pay of employees in other countries, a good bit of the problem actually resides on the union’s shoulders for their manipulation in our political landscape. The reality is that it’s time for the American workers to stop blaming China, and help improve the efficiency of the corporations they work for, work harder, and demand less.

FSBO What if your arm was a state which grew a large percentage of the crops for our nation? And what if it wasn’t getting the right flow of money, or the banking system was not working in that region of our country? The farmers cannot get the money they need to deliver the crops, and therefore, the nation wouldn’t do as well either.

The reality is that both fair and free trade are very important to a healthy economy, and definitely paramount to a global economy. We should also realize that the labor unions in this country, have a lot of political pull and over the years they have used this political strength to put forth more regulations that hamper the efficiency of our largest corporations. Therefore, the corporations are unable to operate with their hands tied behind their back, so they choose to outsource, and offshore those jobs.

I saw a very interesting piece online recently that only half-jokingly called for Ms. Warren to become our next president. No one I know of has spoken truth-to-power more loudly and more consistently over the years as she has. Elizabeth Warren for President? Not a bad idea. Not a bad idea at all! You can be published without charge. You can to republish this article in your website or blog. Please provide links Active.

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BP Oil Spill Gives Myrtle Beach Property Management A Boost In Tourism

July 18th, 2010 by News World Report

Tourism in Myrtle Beach, SC has gotten a major jolt from the Gulf Oil Spill, a lot of people are starting to wonder if this could effect the real estate market too?

Business Owners from hotels, restaurants, bars and many of the retail shops along the Grand Strand are seeing a boom in business! All types of business owners have reported major increases in their business as a result of the mishap in the Gulf. A lot of the tourist who typically vacation along the Gulf Coast have changed this years plans because of the high impact the BP Oil spill has created along the beach and resort areas. Many tourist are concern about encountering oil soiled beaches and are headed east to Myrtle Beach instead.

Calls are flowing in from vacationers concerned about the spill and looking for a different beach destination to visit this year, These are the reports from the Myrtle Beach and North Myrtle Beach Chamber of Commerce.

Fishing Charters have seen as much as a thirty percent increase compared to the 2009 fishing season. As the condition in the Gulf continues to worsen, many of the recreational anglers have begun their quest for new waters to partake in. Currently there are about 80,000+ square miles of federal waters, that’s roughly a third of the federal waters in the Gulf, where there is currently a NO FISHING policy in effect.

It has recently been released that Florida-based ResortQuest rental company with outfits in South Carolina has booked at least $40,000 worth of their reservations on the Grand Strand within the past few weeks due to its clients vacationers changing travel plans from the Gulf Coast. The company’s marketing executive stated that it is likely that a major portion of their $18 million dollars worth of bookings along the Gulf Coast will be directed to areas such as the Grand Strand.

Resort occupancy along the Strand are continuing to increase since the holiday weekend, but this year it is for another reason.

This past Fourth of July weekend AAA reported a marking 17% increase from the previous year. Many of Myrtle Beach’s hotel owners are saying its an unfortunate situation but, the Gulf Oil spill is having a very positive impact on the Grand Strands economy.

The Carnivale Motor Inn recently stated they are getting in the neighborhood of 15 and more calls each day. For many resorts this is the best summer they have seen in over two years. A bunch of the resorts are saying many of the visitors are from Florida.

Myrtle Beach Property Managers are saying that the next market that could be affected is the real estate market. The impact of Gulf oil spill could muck up housing markets in the Gulf for years. Many Baby Boomers that may have been considering the Gulf for retirement are changing focus. The Grand Strands housing market currently has some of the best bang for your buck and retirees are starting to partake in some of the lowest prices in years.

© copyright 2010 BytheBeachProperty.com

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    Digg is looking into accusations that a conservative group has been gaming the site to bury content it deems too liberal. oleoleolson at AlterNet writes, "A group of influential conservative members of the behemoth social media site Digg.com have just been caught red-handed in a widespread campaign of censorship, having multiple accounts, upvote padding, and deliberately trying to ban progressives. An undercover investigation has exposed this effort, which has been in action for more than one year." Digg Founder Kevin Rose tweeted that he is looking into the matter: .bbpBox{background:url(http://s.twimg.com/a/1281028705/images/themes/theme9/bg.gif) #1A1B1F;padding:20px;} focused on launching digg v4, but we're looking into this.. RT @jeremyisweary: Massive Censorship Of Digg Uncovered http://bit.ly/cES8YdFri Aug 06 00:44:28 via Tweetie for MacKevin Rose kevinrose The report alleges that the group banded together on a Yahoo Group called Digg Patriots, which has since been removed. Meanwhile, as Rose mentioned in the tweet, Digg is working on getting its big redesign out.  I imagine we'll be hearing more about the alleged gaming of the site before long.
  • Lawmakers Question Yahoo, AOL And MySpace Over Online Tracking
    U.S. representatives Ed Markey (D-Mass) and Joe Barton (R-Texas) sent a letter today to 15 companies identified in a recent Wall Street Journal investigation as installing consumer-tracking technologies to target users visiting these sites. "We are troubled by the findings in this report, which suggest that the price of consumers' unfettered use of the Internet increasingly is surrender of their personal information, preferences and intimate details to websites, data monitoring companies, marketers and other information gathering firms that seek to track them online and develop digital dossiers for a range of purposes, including marketing," the lawmakers wrote. "As Congress prepares to consider comprehensive privacy legislation, we request responses to the questions that follow to better understand your companies' practices in this area." The representatives, who co-chair the House Bi-Partisan Privacy Caucus, asked for information on the companies' tracking and targeting of consumers on the Internet, which is activated when users visit the websites. Some of the questions Reps. Markey and Barton asked include: What information about consumers does your company collect, either through your own website or through business relationships with third parties? If your company tracks or targets visitors, how does it notify visitors to your company's site of this practice?  If it does not provide notification, why not? Does your company target individuals based on their health or financial status?  Are there any user search or usage habits that your company will not use for targeting purposes or tracking?  If yes, what are they? Letters were sent to:  Dictionary.com; MSN.com; Comcast.net; AOL.com; Merriam-Webster.com; Photobucket.com; Answers.com; Careerbuilder.com; MSNBC.com; Live.com; Myspace.com; Yahoo.com; Verizonwireless.com; Yp.com; About.com  
  • NetChoice Voices Opposition To Online Retail Tax
    Representative Paul Hodes (D-NH) introduced today a bipartisan resolution to protect online out-of-state sellers from having to collect taxes in states where they have no physical presence. The resolution (H.R. 1570) "Supporting the Preservation of Internet Entrepreneurs and Small Businesses," says that Congress should not impose unfair tax collection burdens that would hurt the U.S. economy and consumers. The resolution is a response to legislation introduced in July 2010 by Representative Bill Delahunt (D, Mass.) which would force all U.S. online retailers across the nation to become tax collectors for states that have joined the Streamlined Sales Tax Project (SSTP). "Don't believe it when tax collectors say their software makes it trivial for tiny sellers to collect everyone's sales tax," said Steve DelBianco, executive director of NetChoice. "Small sellers will spend thousands of dollars making changes to their website software, plus endless time and accounting fees to handle exceptions, customer questions, and state tax audits." Under the 1992 U.S. Supreme Court Quill v. North Dakota decision, the court found that the 45 state and 7,600 local sales tax systems across the country were too complicated for a retailer realistically to know how much tax to collect and remit. Currently online retailers are only required to collect sales tax from out-of-state customers if they have a physical presence, such as a brick-and-mortar store. "Representative Hodes and his colleagues are to be commended for standing against a national tax system that would saddle small retailers with new collection and compliance burdens," said DelBianco. "We all support a simpler tax system, but the streamlined sales tax project has become the proverbial wolf in sheep's clothing."