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Build Your Credit Without Using Credit

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Getting a decent rate on a mortgage or car loan depends on having a good credit score. Even rental applications or employment is contingent on credit. The ladder is to pay out the wazoo in down payments, security deposits, etc. While you need a good credit history to make your mark with the creditors, you don’t need plastic to do so. Start improving your credit without using credit. Take these steps in building your credit score without actually using credit and learn what to watch for in the future to avoid damaging your credit you’ve worked hard to build.

ONE: Check out a credit union for a secured loan. A secured loan, or shared-secured loan, is backed by money you place in a credit union savings account or certificate of deposit. Credit unions are usually easier to work with than the big banks as they take into account more than just your credit score when applying for a loan. They also look at things like a good checking history or that youre making an effort to deposit money into savings. Make sure the credit union you choose is reporting to all three major credit bureaus. Some credit unions only report to one of the three in an effort to save money.

TWO: Peer-to-peer loans. No, this is not about going fishing. Social lending sites like Prosper and Lending Club connect interested borrowers with individual investors. In this, investors bid on the borrowers applications and attempt to offer the lowest, most competitive interest rates to win the deal.

THREE: Getting schooled? Apply for a federal student loan. Being a student can be advantageous to your credit score if executed properly. Federal student loans do NOT require credit checks. The stipulation is that you have to be at least a part time college student and have submitted an application for Federal Student Aid. Stafford loans have a fixed interest of 6.8 percent and they do not inquire on your reason for financial need. Once the loan hits repayment mode, your on-time payments will help boost your score.

FOUR: Piggy back your partner. Become an authorized user on someone elses credit card. Once added, their history with that specific account is usually imported to yours with the 3 big bureaus. Pick someone who has decent credit or this could turn around and affect you negatively. Youll want to choose someone who has an account that has less than 1/3 of the balance due at all times and pays on time consecutively each month. All your asking is to become an authorized user, not actually use the card or receive a duplicate of the card for purchases.

FIVE: Co-signing. Four and five depend on relying on others so don’t go burning bridges or chasing waterfalls. Make sure these are solid relationships like a parent or spouse. A co-signer can help you lock into a loan you may have been denied for applying by yourself. In a co-signee arrangement, both parties are equally responsible for the debt. Make sure payments are made timely and consecutively to ensure a positive increase to your score on a monthly basis.

SIX: Pay to play. Establishing a secured credit card is now getting into actually using credit. If youre anti plastic and just looking to build your score, opt out of this option and save yourself a paragraph. Secured cards require you to make a deposit with the bank equal to the amount of credit youre looking to deposit. Some banks will allow you to receive a secured credit card for only $200 while others require a bit more to play the game. Youre basically taking your money and creating a credit account equal to the amount invested and paying interest on purchases. Some creditors will convert the account to a regular line of credit after 9 months or a year of positive paying.

SEVEN: The Charge card cha cha. Charge cards like American Express require the account holder to pay the balance in full every cycle. If you already have good credit and are simply trying to keep it going in that direction this is a positive way to ensure youre doing just that without having to use credit cards. If you have little self control you may want to think twice about charge cards.

Using these guidelines can keep you out of the credit loop while still playing the game. If you have already incurred credit debt it’s a good idea to pay it down asap and restructure your spending habits whereas the use of credit becomes obsolete.

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Petrol, Diesel, LPG, Hybrid – What’s Best For You

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Oil

The main criteria of a car’s eco-friendliness is generally seen as the energy it uses in its operation. Cars have primarily run on oil-based fuel in the form of petrol or diesel for over a century. But we are now at the point where demand for oil is rising so much, and reserves are declining, that oil is actually running out. Oil prices have always been volatile and they react to speculation about events ranging from terrorism to hurricanes, but rising demand and diminishing reserves mean that overall, oil is just going to keep on getting more expensive. However despite this, most cars today still rely on oil as their primary source of energy; and oil is obviously a key contributor to carbon emissions, and climate change.

Petrol

Petrol has been the most popular fuel for cars in the UK for years; petrol engines are generally quiet and smooth, they are responsive and their performance is good. Petrol is currently slightly cheaper than diesel. Petrol engines emit around 10% more carbon dioxide (CO2) than diesel. However petrol cars pump out less toxic emissions than diesel. Unfortunately at the moment there is no single source of fuel which can compare with petroleum in terms of its instant bulk availability, energy density and (relative) cheapness.

Diesel

Diesel engines are more economical than petrol engines, therefore they emit less CO2. New ‘common rail’ diesels are approximately 10% more efficient than older diesels, and direct-injection diesel engines give the best fuel economy, diesels emit more particulates than petrol – but diesel engines with a particulate trap help prevent emissions of sooty particulates – ie. the clouds of smoke that you’ll experience if you follow old buses through towns. So diesel engines will generally provide you with more miles per gallon than their equivalent petrol models – just look at the differences between similar vehicles in our Green Car Guide. Diesel is currently more expensive to buy than petrol, and the forecasts are that diesel prices will continue to rise more steeply than petrol in the near future.

Diesel engines have always been seen as slow and noisy, however technology has seen some remarkable advances in recent years; for instance Honda has developed their own diesel engine that is designed to be quiet, refined, clean and with instant response – fighting against all the old stereotypes.

LPG

Over recent years, LPG (liquefied petroleum gas) has been a viable fuel option in the UK. LPG produces fewer emissions than petrol and diesel but fuel consumption is worse. It’s been possible to convert many existing cars to run on LPG by after-market conversions, and some manufacturers such as Vauxhall have had new cars in their range that are dual-fuel, which are designed to run primarily on LPG with petrol back-up. There is a reasonable network of filling stations.

LPG, and natural gas in heavier vehicles, has been an attractive proposition in the past primarily due to its cheaper cost, as it has enjoyed less fuel duty. However there is no guarantee that the Chancellor will maintain this in the future, and although there are some emissions improvements over petrol, LPG is still derived from a fossil fuel and therefore still releases greenhouse gases into the atmosphere.

CNG

Some vehicles, usually heavier vans or trucks that normally run on diesel, but also cars such as the Volvo (V70 Bi-Fuel), can run on CNG (Compressed Natural Gas), which again results in lower CO2 emissions than standard petrol cars, but the fuel is not as efficient as diesel. Finding CNG for refuelling can be a challenge.

Petrol-Electric Hybrids

Petrol-electric hybrid vehicles run on a combination of a conventional petrol engine and an electric motor powered by an energy storage device such as a battery pack. In simple terms they work on the principle that an electric motor provides the power at low speeds such as in urban driving, and they switch to petrol for driving at higher speeds. The batteries are recharged while driving and hybrids use regenerative braking, which means that energy is put back into the battery when braking, which improves energy efficiency.

Hybrid technologies improve fuel efficiency and therefore provide considerable fuel savings compared with a normal petrol vehicle – as well as carbon emissions savings. While models might cost more than conventional cars, running costs can be two-thirds that of equivalent petrol-fuelled vehicles.

Because of their lower CO2 emissions, hybrids also benefit from reduced vehicle excise duty and are treated favourably in Budgets. In addition they are exempted from the London Congestion Charge.

However at the moment there are a limited number of hybrid vehicle choices; there are currently just four hybrids available in the UK; the Toyota Prius, Honda Civic hybrid, Lexus RX400h and Lexus GS450h. As they are still a relatively new technology, there aren’t many available second-hand and so they are quite expensive.

Toyota’s first Prius (launched in Japan in 1997) didn’t sell in great numbers, however a new model has been introduced and this is now proving more successful. Although it looks like a normal car, it is designed around energy efficiency, and has many clever technological features that assist fuel consumption, including air conditioning and brakes powered by electricity rather than by sapping energy from the petrol engine. Lexus, part of Toyota, has introduced a hybrid version of the RX300, known as the RX400h. This is an SUV and because of its size, it still only returns around 35mpg compared to the Prius’s 65.7mpg.

Although the official fuel economy figures for cars such as the Toyota Prius at 65.7mpg sound great, they only really achieve maximum economy benefits in built-up areas where they primarily run on electric rather than petrol although the Prius can only drive for around a mile on battery power before needing to revert to petrol; in real-world motoring it seems difficult to attain the official figures. On a motorway run, a good diesel is likely to be more economical. Nevertheless hybrids are still one of the best options that the consumer has today to achieve better fuel economy, especially if much driving is done in towns, along with the financial benefits such as lower tax and escaping London’s Congestion Charge.

Only petrol-electric hybrids are currently available; diesel-electric hybrids will achieve even better fuel consumption – watch out for these appearing in the not-too distant future.

Battery-Electric cars

Electric cars use a battery and electric motor to power the vehicle, meaning they have no emissions at the point of use. Due to the capacity of the battery, their range is normally limited to about 40-60 miles between recharges, which means they are only really suitable for city-based users.

Electric vehicles can be recharged by plugging them into an existing electrical socket, and some city councils are installing electric recharging points in car parks or on-street. However, they are only truly ‘green’ if they are recharged with electricity from renewable sources such as windfarms.

Electric cars are not subject to road tax and, as an added bonus for London drivers, they enjoy 100 per cent congestion charge discount. Drivers living in areas where they have to pay for residential parking permits might also find that they get a discount on this cost.

Electric cars are often regarded as the ideal non-polluters, but it’s not quite that simple. They’re obviously good for lack of tailpipe emissions and are near silent, but they need to carry rechargeable batteries. These batteries are not really energy sources, they are energy storers. This creates two issues. Firstly they are heavy and bulky with very low energy densities. Secondly, the original source of energy, for recharging, has to be questioned, because if it’s not renewable, those vehicles will indirectly contribute to climate change. There is a further drawback; if their batteries are lead or cadmium-based, there is a serious pollution problem if they are not properly disposed of at the end of their life.

The only electric car available in the UK at the moment, although this is about to change, is the G-Wiz, a small car for about-town use, claimed to be the greenest, most energy-efficient and cheapest car to run in the UK. It has two front seats plus two children size seats, which can be folded down for luggage. It is in insurance group 1, exempt from VED and the London Congestion Charge, and qualifies for free or discounted parking in some London areas. The G-Wiz is claimed to consume just one quarter of the energy of a similar-sized petrol car and costs around just £1.64 a day to run, equivalent to around 600 miles per gallon.

Goingreen, the company behind the G-Wiz, should be commended on their efforts in bringing such a vehicle to the market, and for some people, in the centre of London for example, it can provide motoring with very low running costs. However it’s not practical for everyone – its drawbacks include the fact that it needs a 6 hour recharge – you literally need to plug it in! – and its range and speed are limited. Apart from all that, its design is just not as cool, trendy and sophisticated as cars such as the Smart or even the Toyota Aygo.

In summary, viable electric vehicles are still around the corner while hybrids, bio-diesel and bio-ethanol vehicles are here now.

Biofuels

Biodiesel

Biofuel has traditionally been in the form of biodiesel, currently available in various types and qualities, primarily from vegetable oils, such as from recycled cooking oils, and from crops such as rapeseed oil, both of which avoid the carbon emissions of mineral diesel. However there is no wide availability, unless in industrial quantities, and it is more commonly used to blend with normal diesel. There’s at least one company that is currently building up a world-wide biodiesel production and refining capacity but it’s not ready yet.

A wide range of car manufacturers supply cars rated as totally compatible with biodiesel and even older models may be compatible. It’s recommended that if your fuel runs through rubber pipes they must be replaced with plastic equivalents. Biodiesel will remove dirt in the engine left by previous use of petro-diesel and deposit it in the filters, therefore the filters need to be changed after the biodiesel has been used for a while. Biodiesel will work in most modern diesel engines (but not petrol!) but there are warranty implications – all vehicles should be checked for their compatibility for running on biodiesel.

D1 Oils is a British company which recognises the increasing demand for biodiesel and aims to become a global, sustainable, low cost supplier of crude vegetable oil and biodiesel refiner. It has developed plantation rights and established refinery operations in several international regions, creating a supply chain from seed selection through to the sale of biodiesel to end users. Currently it has four operations centred in the UK, South Africa, Asia Pacific and India. There are also projects in Madagascar and Saudi Arabia. The main plant source is the Jatropha tree which can grow in desert areas with a minimum requirement for water.

Grassolean is a US site where you can find information on starting your own Biodiesel project.

Green Fuels Ltd was formed to bring affordable and sustainable biodiesel technology to the UK and European marketplace. They market decentralised plant for making biodiesel on a scale suitable for home, business or locality. They also provide training.

Low-Impact Living Initiative (LILI), http://www.lowimpact.org a non-profit organisation helping to protect the environment by promoting sustainable alternatives. They run hands-on courses throughout the year including several on making your own biodiesel and there’s even one on vegetable oil as a motor fuel. They can also supply and deliver biodiesel to your home.

Bio’petrol’ – Ethanol and Methanol Vehicles

Ethanol and Methanol are viable vehicle fuels which are an alternative to petrol in internal combustion engines, giving considerable carbon emission benefits if the fuel is derived biologically. It’s cleaner inside the engine as well as outside. Vehicles usually require adaptation to convert from petrol to ethanol if the concentration exceeds 10% (E10) (manufacturers tend to be conservative and warranties usually state that no more than 5% ethanol should be added, however, most cars seem to run on E10). The required engine modifications to convert from petrol to ethanol are more extensive than those to convert diesel to biodiesel. Several manufacturers are working to produce vehicles that will run on an 85% proportion (E85) and in the Americas and Canada, Flexible Fuel Vehicles (FFVs) can run on E85 as well as gasoline (petrol). Where ethanol can be produced in abundance, notably Brazil, the fuel is used widely. The alcohols also have potential for the raw source in fuel cells.

Recently, biofuels that can run with petrol have been introduced in the UK. The Saab BioPower and the Ford Focus Flexi-Fuel are the only two new vehicles on the market that are designed to run on biofuel. For more information see items in our News section.

Hydrogen

Hydrogen fuel cells are seen as the fuel of the future. Although they are charged with very bulky hydrogen, it can be supplied in a liquid hydrocarbon compound and that way, theoretically, the density problem can be solved. To be climate-friendly the compound must be renewable (bio(m)ethanol for example), not petroleum based. One of the biggest attractions about hydrogen is that the only waste it produces is water.

Various manufacturers are developing prototype cars powered by hydrogen fuel cells however they still demand much research and development to be commercially viable in vehicles and it will be a number of years before they are widely available, together with the fuel, in the UK.

Other technologies

Citroen has developed ‘Stop & Start’ technology, currently used in two of its models. The normal petrol engine shuts down if the car stops in traffic in normal driving. You still pay a premium over standard models for this technology, but they are cheaper than hybrids – but the fuel savings are not as great – the fuel consumption does not improve significantly at all; like hybrids, they offer greatest benefit in urban areas.

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Online Football Betting – Watch, Have Fun, and Earn Money!

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Online football betting seems to be a lofty ideal for most people. Imagine watching your favorite sport, football, however you prefer – be it in the comforts of your home or feeling the energy of the crowds in a stadium, having a lot fo fun and experiencing the excitement, and earning a lot of money in the process. Wouldn’t it be nice if everybody had a job like that – fun, exciting, comfortable, convenient, and above all, financially rewarding? Betting on football matches online is the embodiment of those ideals. You can prefer to watch a football game wherever you want. You can also bet online where it is more convenient. As far as the pay is concerned, it is said to pay handsomely, that is if you bet on the right team. So, with all these perks that are possible with betting, you may ask, is it really for real, or is it too good to be true? Hopefully, this article will shed light into some of the questions regarding betting on football matches, or any sporting event online.

One immediate concern for people who want to get into online football betting is if it is a legal trade. That question can easily be answered with your location. Betting online is legal in a number of countries around the world, including most European countries. In the United States, some states do allow betting through websites. Once you’ve found a betting website that caters to your state, you should have no problem. A credible online betting site should be able to be able to give you the assurance of letting you bet at peace without any grey area. You should be able to do it once the website gives clear instructions and provisions that it is alright to do it in your state.

A reputable umbrella website should also provide information to other sports betting websites or offline gambling places. A mark of reputable online betting sites is that they are connected to high end names and are recommended and are usually branches of credible offline bookmakers. Another sign of a reputable online football betting site is that they honor major credit and debit cards with built-in credit verification checkers. However, make sure that that you go back to step 1, that is, double checking that the particular website you are using is authorized to take bets for US players, as European betting sites, especially those that cater to UK players, do not accept credit cards with US billing addresses. If you want to bet on a European website, there is a quick fix for that – open a credit card account with a European billing address! Usually initial bets start small, and a reputable online bookmaker should be able to detail how much a minimum bet should be, as with a detailed list of all your transactions in the website. `

When you sign up for an account in an online football betting website, you might be asked to add funds to an account. There is a link to deposit funds to your account once you have registered and logged in, which may be part in some website’s sign up process. You may really want to use a debit card as once you make a winning bet, a Visa credit card will only let you withdraw an amount as high as your initial deposit, while withdrawals back to Mastercards is not allowed.

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Wal-Mart – What Makes Them America’s Number One Company?

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America, land of “free-enterprise” has millions of companies in its market. The metropolitan statistical area of Houston, Texas in fact has over 600,000 businesses, most employing from 2 to 10 employees. As companies grow in the number of people they employ, fewer and fewer companies surround them. Most companies never grow beyond the smallest group size for many reasons. Some companies grow to become the target of the competition or the “model” on which the smarter more savvy managers base their practices to achieve “best of class” status in their industry or market. Wal*Mart has certainly earned its position at the pinnacle of American business and global retail dominance.

Founded by a retailer named Sam Walton with his brother in 1962, Wal*Mart has become that company to watch and emulate in the twenty first century. Walton, a “Ben Franklin” franchisee between 1945 and 1962 collaborated with his brother Bud Walton to found the first Wal*Mart in 1962 in rural Arkansas. Their strategy was simple. They opened discount-merchandising stores in rural America where big business and big retailers typically ignored “fly over” territory. The strategy of mass buying power and passing on the savings to customers took flight as the company grew steadily into the seventies and eighties.

As Walton situated stores in small towns with populations between 5,000 and 25,000 he implemented his plan “To put good-sized stores into little one-horse towns which everybody else was ignoring.” He thought that if they offered, “Prices as good or better than stores in cities that were four hours away by car…people would shop at home.” David Glass, CEO, explained, “We are always pushing from the inside out. We never jump and then back fill.”

Walton successfully instilled a small town friendly caring atmosphere in America’s number one company by indoctrinating “associates” in the idea that Wal*Mart “Has its own way of doing things.” He habitually shopped the competitors like K-Mart and Target. He would count the number of vehicles in their parking lots and “measure their shelf space.”

Sam Walton believed the number one key to the company’s success lay in the way the company treated their “associates.” He felt that if he wanted his associates to care for the customers then the associates must know that the company was taking care of them. Do to his foresight in people management the company many associates became wealthy as the stock price continued to climb the value turned everyday individuals in to wealthy people. Walton discouraged such shows of wealth claiming that such behavior did not promote the company’s reason for existence, to take care of the customer.

Walton described his management style as “Management by walking around.” Walton said about managing people that, “You’ve got to give folks responsibility, you’ve got to trust them, and you’ve got to check up on them.” This philosophy required sharing information and the numbers. The target was to empower associates, maintain technological superiority, and build loyalty within associates, customers and suppliers.

Free flow of information to associates gave associates a true and actual sense of ownership of the organization and allowed them to exercise authority to continually improve their processes especially their main institutional profit driver, supply chain management and process improvement. One of their key tools to managing an element of their chain, inventory, is called “traiting.”

Traiting in the Wal*Mart sense is described by Bradley and Ghemawat in their article as “A process which indexed product movements in the store to over a thousand store and market traits. The local store manager, using inventory and sales data, chose which products to display based on customer preferences, and allocated shelf space for a product category according to the demand at his or her store. Pairing inventory to exact store market demand eliminated or at least mitigated the need for advertised sales or “fire sales” allowing the company to brand it as the customers’ preferred venue for “everyday-low-prices.” Walton and later Glass insisted on lower than market average expenditures for advertising complimented with a “satisfaction guaranteed” policy to instill customer-buying loyalty.

Cost containment caused customer loyalty. In store operations, Wal*Mart, in 1993 incurred rental space of an average of 30 basis points lower than competitors. Its new store erection costs were substantially lower than competitors K-Mart and Target. Wal*Mart dedicated 15% less inventory space than the industry average thus allowing for more dedicated square footage for sales inventory. Square footage sales ranked around $300 per foot compared to $209 and $147 for Target and K-Mart respectively. Stores tended to stay open more flexibly than competitors, which also contributed to higher per square footage sales numbers.

The company organized each store into 36 departments and a department manager as a store within a store ran each department. The company had outpaced K-Mart by installing uniform product codes (UPC) electronic scanning equipment in 1988. Labor expense for individually labeling inventory was eliminated by installing shelf tags instead. The company spent $700 million dollars to connect the stores with headquarters in Bentonville, Arkansas via satellite. Collecting and sharing such sales and inventory information allowed managers to pinpoint slow moving inventory and manage the supply chain by reducing purchased avoiding pileups and deep discounting.

The company manages the distribution chain. They instituted “cross-docking” to reduce and minimize inventory sitting in a warehouse. When an in-bound truck arrives at the warehouse, an out-bound truck is parked right next to it or close and shipments are offloaded from the inbound truck and moved directly to the out-bound truck thereby eliminating the need to sit in inventory. This method of moving it out as it arrived contributed to Wal*Mart’s almost one percentage point of sales less cost than the competition for like costs.

Wal*Mart treated its distribution chain as a profit center as well by strategically locating a warehouse or distribution point geographically where it could serve 150 stores and each truck leaving the warehouse can serve or deliver on the same route to four neighboring stores. Distribution gave store managers various delivery options as well as nighttime deliveries.

Wal*Mart manages its vendor relationships in a well-known “no-nonsense” manner. Unlike other retailers especially department stores, Wal*Mart buyers are not greeted and seated in a buyers’ office. Sam would not have preferred that haughty presentation and image. They are simply placed in a bare room with table and chairs. The company was sued administratively in 1992 when manufacturers’ representatives initiated unsuccessfully proceedings with the Federal Trade Commission. The company has not permitted a single vendor to account for greater than 3% of purchases further enhancing the leverage it exercises over companies.

Wal*Mart is a pioneer in information sharing and partnering with vendors. In its relationship with companies like GE and Proctor and Gamble, they interlinked computers to show real-time sales and inventory product specific data so that such firms could manage their own supply chain delivery. “They expanded their electronic data interchange to include forecasting, planning, and shipping applications.”

In 1992, Fortune magazine listed Wal*Mart as “one of the 100 best companies to work for in America.” David Glass, CEO, claims “There are no superstars at Wal*Mart” which could embellish the team environment. He said, “We’re a company of ordinary people overachieving.” The largest company in the United States is non-union. Associates are trusted and treated like owners and information is shared and entrusted to them. Vendors comment on the loyalty and dedication of their associates.

Associates are encouraged and rewarded for bright ideas, which in many other companies would go, unrecognized or stolen by owners or managers whom would steal credit. Stealing such credit and voiding the proper party to the credit only works to beat down associates and instill a feeling of worthlessness. Wal*Mart does just the opposite. Everyone is rewarded for profitability through contributions to the associates profit sharing account. In 1993 Sam instituted his “Yes we can Sam” program for ideas and then a “Shrink incentive plan” to reduce theft and inventory loss. The program allowed Wal*Mart to remain at least 3 tenths of a percent lower than the industry average in slippage.

Sam and David were smart enough to realize that they could not be in hundreds of stores all the time if at all so they decided to properly compensate each of the store managers who can earn in excess of a hundred thousand dollars annually. The company offers incentive pay on top for reaching and exceeding profitability and forecasting targets. The company offered health benefits to employee who work more than 28 hours weekly and also gives productivity and profitability bonuses to such hourly workers.

Tight fisted management names Sam Walton’s successors, David Glass and company. He instituted weekly Friday morning meetings where they shout and yell about individual items sold but before the meeting is adjourned, issues are resolved. Glass promotes the idea that “There is no hierarchy at Wal*Mart and that everyone’s ideas count and that no accomplishment is too small.”

The company began diversifying its store mixes in the early eighties by acquisition of other chains and opening Sam’s Clubs. The idea included offering only a limited number of stock-keeping units (SKUs). They financed inventory through accounts payable and generated net income principally by charging “members” for the annual privilege of entering and shopping at the “Club.”

Inventory costs at Sam’s Clubs was further reduced since only 30% of inventory was ever shipped from a Wal*Mart warehouse. 70% was sent directly from vendor. Since inventory was turned so frequently during the year, Sam’s Clubs really never paid for inventory until it was sold or even after.

Now, Glass has been quoted as telling managers “That if they didn’t think internationally, they were working for the wrong company,” Discount Store News, (June 1994). Furthermore, Glass mentioned to Business Week in 1992 that “You can’t replace Sam Walton, but he has prepared the company to run well whether he’s here or not.”

Essentially, Wal*Mart was founded by a man who was smart enough to realize that since he could not be everywhere to serve customers that he need to create and maintain an atmosphere where the people who worked for him wanted to make money and serve customers. As he grew the company he and his management staff continually assessed the supply chain and thought of and enacted pioneering ways many times considered unorthodox that created better and better customer value and lowered the cost of giving the customer what he wanted which was the purpose of the company to begin with not to mention why the company got paid. By encouraging idea cultivation from the grass roots of the organization, Wal*Mart has become the premier retailer at the bottom of the price pole.

This author recommends that Wal*Mart management look to diversify within the store by adding more of what it already does well, maximizing the life experience on the cheap within the store. Other ancillary services could be added to any unprofitable square footage like barber shop, dentists, etc…

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Video InPage Vs TV Advertising Vs Video SSP & Ad Server

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9 Reasons why online video advertising kicks TV’s butt

As the winds in online advertising are shifting constantly, we find 2015 to be a year of change for Video advertising worldwide. This shifting is also apparent in comparison between television advertising and online video ads. As stated across the internet, the growth of Video ads compared to the decrease in television usage, is predicting an overwhelming overcome of Video ads over TV already in the year 2017.

All these, was predicted and supported by stats from studies in the US, which shows a static state of TV viewers, and growth in online Video streaming and time spent online watching videos. This of course resulted in shifting of the advertising budgets towards online already in 2015, which is only expected to grow in 2016, and complete it’s domination over TV ads in 2017. Nonetheless TV is predicted to remain at it is, which means budgets could stay static, and focused mostly on prime time and top channels.

What is Video InPage and how it works

Video InPage is a video ad format inserted in the middle of articles. It plays only once visible enough on the user’s screen and pauses when the user can’t see it on screen. The Video ad is usually placed in the middle of articles. It plays automatically when half of the creative is in view and pauses if the user scrolls past it then plays again when it comes into view. After that, the video disappears after completion. Finally user-initiated sound – when he scrolls down to the ad unit

Advantages of InPage advertising

1. Fully compatible for both Mobile and Desktop.

2. Self-expanding video player

3. Reaching the right audience

4. User Friendly

5. Very high Click Rate and more impact-full brand encounter

6. Worldwide demand, Arab Market Oriented

7. Targeting techniques: Contextual – Audience -­ Social

8. Performance

9. Control of ad engagement, offering an optimal navigation experience

TV Advertising overview

Advertising on television allows you to show and tell a wide audience your business, product, or service. It allows you to actually analyze the benefits of ownership. You can show how your product or service works and how it’s packaged so prospective customers will know what to look for at the point of sale. It has been a popular medium for large retailers ever since the TV first began to appear in living rooms. With the arrival of cable television came lowered production costs and the opportunity to reach smaller, more targeted markets, making it a viable option for small to medium-size businesses as well.

What is Video SSP & Ad Server

Strictly direct inventory ensuring maximum transparency and flexibility to deliver the best results. An HTML5 Video player with cross-device support, supporting all existing video tags formats out there (VAST 2/3, VPAID, JS, IMA3 and much more). A unique yield optimization engine delivers only the best fill rate and the most accurate reporting.

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Can the Police Arrest Me If I’M Riding in a Vehicle That Contains Marijuana?

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As a criminal law attorney in Fort Lauderdale, I have many friends who ask me, “Can the police arrest me if I am riding in a vehicle that contains marijuana?” Although you should never ride in a vehicle that contains marijuana, you can reduce your chances of being arrested by understanding the significance of the legal concept “constructive possession.” The Fourth D.C.A. of Florida recently wrote an excellent analysis on constructive possession in Brinkley v. State, 12 So.3d 311 (Fla. 4th D.C.A., 2009).

To be convicted under Florida Statute 893.13 (Possession of a Controlled Substance), the State must prove beyond a reasonable doubt that you possessed and had knowledge of the marijuana. To possess means to have personal charge of or exercise the right of ownership, management, or control over the thing possessed. Possession may be actual or constructive. Actual possession is a simple concept – in your hand, in a container in your hand, on your person, or within ready reach and in your control. If a person has exclusive possession of a controlled substance, knowledge is inferred. Issues of constructive possession are more complicated, however.

To establish constructive possession of marijuana, the State must prove that you had (1) dominion and control over the marijuana, (2) knowledge that the marijuana was within your presence, and (3) knowledge of the illicit nature of the marijuana. The most common issue in contention is whether you had dominion and control over the marijuana. If the vehicle in which the marijuana is found is in joint (no pun intended), rather than your exclusive possession (i.e. you’re the passenger in a vehicle), knowledge of the presence of the controlled substance in the vehicle and your ability to maintain control over the controlled substance will not be inferred.

In laymen’s terms, if you were foolish enough to be caught riding in a vehicle where a bag of marijuana was placed in plain view in the center console, the State would still have to prove that you had “control” over the marijuana, and not simply “knowledge” of the marijuana. Although not specifically defined, control is the ability to take, use, own, (or smoke) the marijuana without receiving permission from someone else. Mere proximity to the marijuana is not enough to establish control when the marijuana is not in your exclusive control. Possession may be joint (two or more people may exercise control of the cannabis) but only if both individuals have control over the marijuana.

To prove dominion and control, the police will have to observe you possessing, concealing, or inhaling the marijuana or if you make any incriminating statements admitting ownership of the marijuana. Notwithstanding the aforementioned reasons, the police cannot impute the ownership of the marijuana to you simply because you are in a vehicle that contains marijuana. Therefore, never make any incriminating statements to the police with regards to ownership of the marijuana. No matter what the police promise you (i.e. we won’t arrest you if you admit ownership), do not admit ownership of the marijuana. Also, try to remain calm – do not make any furtive or quick movements that would lead the police that you are nervous or trying to conceal the marijuana. Also, do not smoke the marijuana in the vehicle. It is oftentimes difficult to deny ownership when you and the vehicle reek of marijuana.

On an aside, in the event you still choose to ride in a vehicle which contains marijuana, make sure the marijuana is hidden (outside of plain view), preferably in the trunk or locked compartment. At a minimum, do not leave the marijuana in plain view in the center console or ashtray. Additionally, do not keep any paraphernalia (pipe, rolling papers, etc.) on your person.

Finally, although the police shouldn’t arrest you for possession of a controlled substance if they cannot show actual or constructive possession, it doesn’t mean that the police won’t arrest you anyways. The police routinely arrest car loads of college students where marijuana is located within a vehicle, even when they cannot pinpoint who exhibited dominion and control. At that point, it is crucial to contact an experience criminal defense attorney to analyze the specific facts of your case and file the appropriate Motions. Possession of even 1 gram of marijuana is punishable by up to one year in jail and/or 12 months probation and a possible two year driver’s license suspension. Do not plea out your case without speaking to an experienced criminal defense attorney.

The information in this article site was developed by Lyons, Snyder & Collin, P.A. for informational purposes only and should not be considered legal advice. The transmission and receipt of information from this article does not form or constitute an attorney-client relationship with Lyons, Snyder & Collin. Persons receiving the information from this article should not act upon the information provided without seeking profession legal counsel.

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Big Scale Savings: How Can Video Phones Help Enterprises?

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Every enterprise needs a form of communication to effectively conduct business. Nowadays, there are different means of communication that can be employed to help enterprises operate smoothly and cope with the highly competitive market, such as video phones. Aside from the traditional telephone system for audio communication and fax machines for fax messages, the latest technology in digital communication paved the way for other forms of communication like e-mail, text messaging, chat, etc. These new means also facilitate faster decision making, money transfer, and quick delivery of goods and services. All of these features can also be enjoyed through the use of the video phone technology.

The adaptation of free market capitalism in almost all parts of the world enabled many people to venture into any business they want. What is interesting about the present setup is that aside from brick and mortar business, there are also opportunities for internet-based operations. Remote offices provide a wide reach for various businesses in various parts of the globe. This kind of operation gives a lot of savings in terms of manpower, travel, equipment, and office space rentals.

Through the video phones, a businessman in Texas can check on the operation of a branch office in Dubai by communicating with his staff. He can even talk to customers, suppliers, and other entities that have direct concerns with the enterprise. Telephone companies and internet service providers have come up with affordable packages that fit the operation of various businesses depending on the size of operation. These packages have other beneficial features aside from the basic services being offered.

The scale of savings for companies using video phones increases depending on the size of a business’ operation. Using traditional communication systems that lack added features is more costly compared to the latest communication technology that is packed with the much needed extras for commercial application. At the end of the day, every entrepreneur has to compute overhead costs against profit to determine if the business is viable. A business operator has to trim down on every aspect of operation to stay competitive.

If the top 100 corporation in the world can use digital communication and video phones in their operation, so do small enterprises. Technology does not discriminate on the scale of a business. Commercial gadgets are affordable to every person and every entity, including video phones. It is just a matter of determining what works best for a specific requirement. Ultimately, if it is beneficial then it is worth the investment.

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