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Some are not aware know that one can manage and check their finances directly online. It’s part of an effort by the computing technology industry to implement a fairly new form of computing in which you don’t have to have any application software on your system.This idea was encouraged several years ago by Sun Micro System Inc. and it is called thin client computing. Your personal computer acts like a terminal instead of a computer. It interacts with a program that is running on a web server rather than on your machine. With thin client computing, you can use any program service on the internet and not have to buy expensive software.With Ease Over See Online FinancesOnline personal finances services follow the thin client paradigm. Your browser serves as a graphics user interface, accepting, receiving, and displaying data and graphics. The information bits is sent and received to and from web servers, the site where the program that’s managing your session resides and runs. All computation is done on the server side. Your machine just displays and receives input. Therefore, this means that your data is also stored on the server rather than on your machine. For services offering management of personal finances on the web, this can be a dubious proposition. It’s important that you safeguard your identity and download tax documents for later use.The current premiere example of an online personal finances service is Quicken Online. It uses categories to group your online transactions which you setup. For convenience, one can add more or deleted categories. You can add, delete and edit transactions, which will be either of the expense or the income kind. You can then view charts for a rapid view of your income and expense performance. This is a fee based system that costs you only a few dollars each month.Mint.com, for another example, is offering an online personal finances service that allows you to track your expenses and income. As of this writing, this service was free. When you join, you are asked to give a user name and a password that you will use to access your accounts. You setup for the capture of your online transactions and these are stored for you on the servers. For convenience sake, each transaction has a category, and Mint.com uses these categories to offer you deals – they’ve got to make money too. For example, if you have a transaction under the telephone category, Mint.com suggests some deals for phone services. These deals are supposed to help you save money. One can even purchase bank checks over the internet at big savings over what a financial institution would charge; about 50%. For many people, this may be irritating, but you can put up with a little irritation for a free service like this, can’t you?Many other online services for personal finances have appeared since the feasible thin client computing concept was invented. One can even pay bills online. Your personal data is captured, so be aware what safeguards are in place to ward off any prying eyes. It’s great freedom to have an online alternative. What is fantastic, you don’t need to download any programs!No matter what service you need in for financial management. You can even order checks on line over the internet and have a 50% savings. The process to order checks online is quicker than driving to the local bank and ordering, plus there are more choices.

Once upon a very boring day (yes, I also experience it just like you) I was surfing the net trying to look for something good to read. Good thing that, after almost 3 hours of infinite surfing going to different links and back to home pages, I found a few interesting latest technology gadgets on a website that features cool gadgets of today. So, I decided to come up with my own idea to share new technology news to the rest of you who have not been to this website.Our favorite RTS on HTML5 as feature on new technology newsIf you were born during the 80′s and earlier, you might have spent your childhood playing early RTS (Real Time Strategy) games on our inexpensive, yet beloved consoles. Command and Conquer anyone? We still see this game on our consoles today with improved game plays, excellent displays graphic wise, and better gaming environment.But we all do remember those days when we boasted and fought against our friends on how we destroyed the enemies camp with our own version of dirty tactics of war. Even though the first C&C was in 2D with a lousy GUI and slow paced (sometimes laggy), we all love it.But a software and web developer in the name of Aditya Ravi Shankar brings all nostalgia on the loose as he made a clone of our once favorite RTS game to our browsers. He developed the game using HTML5 to improve his coding skills and was supposed to try simple tower defense games. But, without definite reasons he jumped straight to doing RTS games and made it special when he decided to do Command and Conquer.He finished making the clone in a 16 hour per day work for an entire month, and not to mention a whole week of fever because of the extended work hours. Although the game is still yet to be completed with all the bugs and glitches, Shankar is getting the help that he needs from fellow players who tried the game on their own computers.On a Facebook reply chain, one avid fan of C&C has made a neat list of different bugs and glitches that need to be worked on for Shankar. But despite of these glitches, the smart innovation of this guy has caught the interest of many people especially to old and die hard fans of Command and Conquer. We could all hope that he fixes everything and all of us can enjoy playing this game again at the convenience of our own desktops.

The growing business market makes completing an education extremely important for interested students. Business education teaches students to understand the industry and prepares them to work in the growing global marketplace. Pursuing an education gives students the ability to work through many concentration areas.The field is extremely broad making it possible for students to enter areas such as management, accounting, marketing, leadership and much more. Students can follow their passions into accredited programs that prepare them for a variety of careers upon graduation. Degree concentrations can also be pursued at all levels of training making an education in business very popular. Some concentration areas include:
Business Administration
Global Business
Entrepreneurship
Executive LeadershipUndergraduate degree programs give students a wide skill set. Basic areas are learned in every degree program that compliments the knowledge gained in a chosen specialization. Associates degree programs present fundamental skills in theory and technical areas such as computer technology, bookkeeping, and office administration. Some general courses inside a program may include marketing, business law, and management. Business management is a great associate’s degree concentration that prepares students for several careers and continued education inside focused areas of business.General business practices are developed further inside a bachelor’s degree program. Students that haven’t chosen an area of study often begin their education inside general business degree programs. The relationships between marketing, accounting, economy, quantitative theory, and human resource management are a major focal point inside education. Obtaining a bachelor’s degree is vital to entering careers and continuing education. Students can take the time spent inside general business programs and choose a concentration that they can pursue at the master’s degree level. Becoming a business manager is possible with the gained knowledge of theory, globalization, and decision-making.Master of business administration degrees are the most completed programs. Students work through specializations that prepare them to step inside executive positions. Several major areas are explored providing students with an in depth understanding of business policy, advertising, and human resources. Students learn about management from the viewpoint of their concentrations. For example, a leadership specialization centers on creating, implementing, and managing a business and its employees. Education focuses on skills that include approaching employees as mentors in order to successfully develop a strong management strategy. Courses on conflict, coaching, planning, talent identification, and feedback prepare students to work as leaders in the job market.Professionals that want to become professors go on to complete doctorates degree programs. Concentrations in statistics, operations, marketing structures, and more help students develop their own personal management strategies. The first two years of schooling are focused on general education courses that prepare students for dissertation and student teaching requirements. Microeconomics, statistics, and financial markets are some major topics of discussion inside training.Pursuing an education in business teaches students to improve and manage today’s fast growing industry. Through accredited training students can work with a plethora of businesses from health care to international corporations. Fully accredited program offer the best quality education available and are approved by agencies like the Association to Advance Collegiate Schools of Business (http://www.aacsb.edu/) Start working through an accredited degree program and become a vital member of the business industry.DISCLAIMER: Above is a GENERIC OUTLINE and may or may not depict precise methods, courses and/or focuses related to ANY ONE specific school(s) that may or may not be advertised at PETAP.org.Copyright 2010 – All rights reserved by PETAP.org.

Every now and then persons trying to make up their minds where to put their money ask me if real estate ventures are more or less profitable, compared to other businesses opportunities around.My response is always that apart from its potential for yielding significant profits, investing in real estate often confers long terms benefits.I discuss five such advantages below:1. You Can Refurbish (to Enhance the Value of) Real Estate
After you buy a stock, you hold it for a period of time and hopefully sell it for a profit. The success of the stock depends on company management and their corporate success, which is out of your control.Unlike other conventional investment instruments, like stocks, for instance, whose rate of returns, depend on third parties (e.g. company management), real estate investments are directly under your control.Even though you will not be able to control changes that may occur in demographic and economic aspects, or impact of nature induced changes, there are many other aspects that you can control, to boost the returns on your investment in it.Examples include aspects relating to adding repairs, or improvements/enhancements to the physical property and tenants you allow to live in it.If you do it right, the value of your investment will grow, resulting in increased wealth for you.2. Real Estate Investing, When Done Right, is Proven to be Profitable Even During a Recession (like the one we’re in right now)
It has on several occasions, been used to effect a bail out, from financial setbacks, such as those that many have experienced during the economic downturn happening in Nigeria today.A considerable number of clients have confided in me that due to the present economic situation, they are not sure of profitable channels to invest their money. Some of them are done with bonds and treasury bills, but are in dire need of a new investment.We had extensive discussions, and based on my expertise as a real estate consultant, I recommended landed property investment, as the most suitable and secure alternative channel of investment.This is because, even if all businesses crumble, land will always appreciate greatly. Then to drive my point home, I ended by sharing the following apt quote, by a former American president:”Real estate can’t be lost, nor carried away, managed with reasonable care, it’s about the safest investment in the world” – Franklin Roosevelt.Not surprisingly, the client chose to take my advice – and signed up: it was the obvious, common sense thing to do!3. Real Estate Investments Are Immune to Inflation
In other words, investing your money in ownership of viable real estate can protect you from the harsh effects that inflation usually has on other conventional investments.This is because the value of real estate generally tends to rise in positive correlation with inflationary pressures. This is why property values and rental rates go up with rising inflation.The nature of real estate, therefore affords owners the unique advantage of being able to adjust the rates they offer, to match inflation.Monthly rents for example can be raised to compensate for inflation – thus providing a cushion effect against inflation induced losses that other monetary investments suffer.4. Real Estate is Uniquely for Being Universally Acceptable as Collateral, Towards Securing Funding from Banks
Today, real estate in form of either building or lands, with proper titles (i.e. Certificate of Occupancy – aka “C of O”) is the most recognized and accepted form of collateral in Nigeria – and some other parts of the world.It has the unique feature of being able to protect the interests of both the borrower and the bank (that’s doing the lending), so that funds can be released i.e. after due verification, and terms and conditions are agreed.This is one of the key advantages a private C of O has over the global C of O, because the former (i.e. private C of O) is what will be needed by the intending borrower, in the event of any future financial dealings with bank in Nigeria.5. Real Estate Investing Allows Use of Other People’s Money
In other words, you can do it even if you do not have enough money. You just need to know how.This is possible because real estate is physical property or what is called a hard asset. That is an attribute that makes it attractive to financiers i.e. people with money to invest.This is why many times real estate products are bought with debt – unlike conventional investment products like stocks which are NOT tangible, and therefore perceived as being more risky to invest in.So real estate investment can be done using cash or mortgage financing. In the latter case, payments can be so arranged to allow payment of low initial sums, provided by you or a willing third party.Those payments will be happening on landed property which will continue increasing in value throughout the duration of such payments – and indeed beyond. That further inspires confidence in the minds of those financing the acquisition, that their investment is safe.Little wonder that real estate investing has continued to prosper for so long![A WORD OF CAUTION] The listed benefits notwithstanding, I still tell prospective investors that due diligence is a crucial requirement for succeeding.Whether you do everything yourself or use industry professionals like me, it is imperative that you exercise caution and arm yourself with relevant information and education.This is something I advice my clients to do all the time, so they can make good decisions in investing.The importance of the above cannot be overstated, especially in Lagos where quite a number of individuals, have had their fingers badly burnt, because they failed to take the needed precautions.My purpose is to help clients avoid having such horrible experiences, by bringing my years of experience in this field to bear in serving them.References/Related Article:[You can read about more advantages of real estate investing, in this excellent article I found at: http://realestate4investing.com/articles/real-estate-investments/10-advantages-disadvantages-real-estate-investments ]