Global Digital Store – Ebooks and Softwares

Tag: Economic

  • Biotechnology and Social Entrepreneurship: The Perfect Symbiosis

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    This is the era of globalization where modernization in every sector is essential due to societal changes and the continuous demand for a quality life. It’s the duty and a moral obligation of every industry to assist in providing a better way of life to those who are less fortunate and require your help. In such conditions, one needs to be resourceful, altruistic, have qualities pertaining to that of a businessman, and have a scientific view. Biotechnology as such is a field that can contribute to various individuals in terms of money as well as its inventions. This industry has grown monumentally over the years and has helped people find hope and restore their belief in humanity with its applications in the field of genetics, agriculture, food, medicine, and healthcare.

    Biotechnology and social entrepreneurship can go hand in hand. For example, by providing better healthcare options at cheaper costs, consumers are motivated to opt for Biotech products. In this way, the Biotech organizations can help move low-income communities toward better health, and by purchasing their products, the consumers are indirectly promoting the company’s brand. Creating employment opportunities, intellectual wealth, and expanding industrial growth are a few of the absorbing factors that guarantee a focused approach for this sector, resulting in a general benefit to society.

    Scientific entrepreneurs often lack managerial competencies, industrial experience, and contacts, even if they integrate members with an administrative background; so therein lies a critical area that requires some work. Solutions to certain social problems, such as improving the quality of health, economic, political, and cultural problems in reference to poverty, often require fundamental transformations in the political, economic, and social systems. A Social Entrepreneur brings change to the social system by utilizing their work and business to address that cause. Such ingenious creativities represent social entrepreneurship. Hence, it can be stated that the approaches for network building observed by biotech companies regarding social entrepreneurship will combine behavioral features that are archetypal of biotechnology entrepreneurs, and include other characteristics that are a response to the conditions found in their particular environment.

    An excellent managerial team can provide the necessary skills for the management and coordination of scientific and commercial operations, and can also help maintain a good organization repute. One key area where social entrepreneurs play a vital role is in the commercialization of research results of the biotechnology industry thus, warranting sustainable growth. A working local innovation system with respect to the connections between companies and knowledge organizations can be the stimulus to this implementation.

    For example, Juan David and Alicia Carpio launched Q’omer Bioactive Ingredients, a technology-based social enterprise. They witnessed the condition of people regarding their farms and unfair labor deals in Peru, so they designed a sustainable and socially responsible way of working with resources in Latin America. They offer raw materials and ingredients to produce organic products and improve the well-being of people while promoting the economic and social sustainability of producers from Latin America. This is only one example, but with each passing year, more and more Biotech companies are taking the initiative to promote social entrepreneurship and contribute to various societies by providing scholarships, funding, and research options in the field of Science.

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    Source by Chris Bouchard

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  • Book Summary: Tax-Free Wealth – How to Build Massive Wealth by Tom Wheelwright

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    I was lucky as a kid to have my father as a business mentor. When the time came and I entered the business world, I could not lean on him as he passed away young. The Rich Dad / Poor dad books were my saving grace when it came to financial education. Several of the concepts I knew about because of my father but the advanced strategies and the “how to” really came from the Rich Dad books. Tom is a Rich Dad advisor.

    Why is this important to me?

    I am not doing this summary to waste your time. It is my vision to provide concise action steps that you can adopt right now to enhance your financial life and career. If you want to continuously improve, you have to be committed to continuous learning. Lever the continuous learning with the right associations and you will succeed in your career.

    The Cash flow quadrant really sums up the essence of financial success. If you focus on the left side of the quadrant then you can make an OK income but if you focus on the right side then you can become rich. Robert Kiyosaki points out in Rich Dad / Poor Dad that the left sides of the quadrant people make money, pay tax and then spend it. On the right side of the quadrant people make money, spend it and then pay their taxes. This is a huge difference and can be the biggest success lever in your financial arsenal.

    Tax-Free Wealth points out 24 Tax Strategies you can use on your way to Tax-Free Wealth. For the sake of time I will point out a few along with some commentary about each.

    1. Rule # 1 – It is your money, not the governments. People tend to run scared when it comes to taxes. Remember that you are the one creating the value and making the business work, be smart and utilize tax strategies to minimize tax and maximize your investment. The key here is tax avoidance NOT tax evasion. Every concept in this book is totally legal and encouraged by the IRS.

    2. Rule # 2 – The Tax Law is written to permanently lower your taxes. All financial plans need a solid foundation. This is why you simply can NOT focus on rate of return only. You can make a huge rate of return but if you can lose it because of a law suit or 50% gets eaten up in taxes then you will lose in the long run. 99% of the tax code is written as incentives to encourage people to start business. The reason the government does this is because businesses create jobs and that is the single biggest economic driver.

    3. Rule # 3 – The fastest way to put money in your pocket is to reduce your taxes. Businesses require investment. That investment is a business expense along with R&D, Travel and other business related expenses. You can combine vacation and work legitimately and write it off as a business expense. If you travel and sell items then go on sales calls in the vacation area. If you are a real-estate investor then travel where you may invest.

    4. 4. Rule # 24 – Build massive passive income through your tax savings. This is the strongest wealth builder in the book because you lever up compound interest, velocity of money and leverage. Utilizing these three vehicles along with investment stacking and you will be rich. The goal is to build your business and make the money there and turn it into passive income and then park the added money into cash flow investments like real estate. You want your money working harder than you do. You do not want to trade hours for dollars. Let me give you an example.

    In our software company there are two ways to build wealth and that is through intellectual property and maintenance agreements. These two things used together will build a company that can be sold for 2-4X revenues. Now to foster that investment with leverage, I use the “Infinite Banking Concept” to lend money to the business through “my own bank.” Now the money the business pays me comes back as investment income which means lower taxes. The new revenue the additional maintenance contracts bring foster new contracts. The next step is to use “good debt” to leverage our coverage and purchase more maintenance contract revenue with our software platform.

    In summary, you make money in your business and hold it in passive income generating assets using good leverage, velocity of money and compound interest.

    Tax-Free Wealth is a great resource that I encourage you to read. If you immerse yourself in these concepts, financial security and true wealth can be yours.

    I hope you have found this short summary useful. The key to any new idea is to work it into your daily routine until it becomes habit. Habits form in as little as 21 days. One thing you can take away from this book is lever your financial education. If you take control of your education and schedule 30 minutes per day dedicated to this then you will reap results. You cannot put your financial future in the hands of somebody else. Take on the responsibility and good things will happen.

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    Source by Joe Mosed

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  • Life Lessons Learnt Post Drug Detox

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    Drug addiction is a chronic illness that brings misery not only to the life of the individual addicted, but also to his or her loved ones. In recent years, drug addiction has become a matter of serious concern for the United States as a large number of young adults in the country are getting addicted to prescriptions drugs and illegal substances at an alarming rate.

    The “drug culture” rampant in the American society takes a heavy toll on the people’s personal as well as professional lives. Sometimes, the influence of the drug can be so strong that it may lead to several other serious issues, such as increased risk for physical and mental ailments, suicidal thoughts, and even death.

    However, drug addiction is a preventable and curable disease that can be treated with medications and counseling. Medical detoxification is the first step toward quitting the vice of addiction and leading a productive life. Though the detox process is essentially aimed at removing toxins from the body after a long-term drug use, it teaches some incredible life lessons along the way.

    Listed below are some of the lessons that people learn during drug detox in a rehabilitation program, which can be carried out for many years to come:

    1. Addiction does not discriminate

    Drug addiction can affect anybody regardless of age, gender, ethnicity, race, or even socio-economic class. Often starting as an experiment, people gradually cross the illusive line of addiction, from where there is no turning back. However, the good news is that an effective detox program can help such people get rid of the devastating habit.

    2. Increasing awareness about addiction is important

    Being aware about the ways in which a particular drug can affect an individual and knowing about the legal repercussions of its addiction can motivate a person and his or her loved ones to stay away from the drug. Also, being aware of the right detox program is important to ensure a speedy recovery for a person who is already in the clutches of destructive drug use.

    3. Addiction leaves one lonely

    Drug addiction is a chronic illness that makes an individual live in solitude. Those fighting substance abuse disconnect themselves from the external world and stay aloof from friends, relatives and other loved ones. Undergoing a detox program teaches a person to make friends, lead a social life and engage in healthy habits.

    4. Self-care is essential

    Taking care of own body and mind is important to keep oneself fit and healthy. This is also required to ensure that a vulnerable individual does not get trapped into drug addiction, and continues to lead an addiction-free life post detox.

    5. Running away from stress does not prevent drug addiction

    For many individuals, addiction generally develops when they feel low, sad or depressed. However, in a detox program, a person comes face-to-face with such negative emotions and makes efforts to develop “emotional sobriety” first, in order to lead a drug-free life.

    Leading a drug-free life is possible

    Abusing any form of drugs, including prescription drugs, is illegal and can deteriorate the life of any individual. A comprehensive detoxification is a must in every drug rehabilitation program as it prepares the patient for further treatment procedure. The complexity of detoxification depends on the nature and length of the abuse.

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    Source by Barbara Odozi

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  • Social Entrepreneurship – Now is the Time

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    Social entrepreneurship is a major area of interest in many social and civic organizations and has a significant impact on many areas of society. During the past decade economic resources have become more difficult to acquire and society has continued to exhibit economic and cultural decline. Concurrently, communities are in need of initiatives that will enhance their financial viability and programs that will enhance the overall viability of the population.

    Social entrepreneurship initiatives are ventures that can serve as a method of increasing the social value of a community, organization or cause while enhancing the financial viability of a not-for-profit organization. With this being stated, social entrepreneurship has been defined in different ways by many different theorists. Gary McPherson, Executive Administrator of the Canada Centre for Social Entrepreneurship, states that social entrepreneurship involves various individuals working toward meeting social and economic goals simultaneously; while Bill Drayton, CEO of Ashoka, defines social entrepreneurship as a term coined to describe “individuals who combine the pragmatic and results oriented methods of a business entrepreneur with the goals of social reform.”

    A more basic definition of social entrepreneurship states that it is “the process of using entrepreneurial and business skills to create innovative approaches to social problems.” Therefore, it is a methodology that is presently being used to resolve community and societal concerns globally. Social entrepreneurship as an area of specialized entrepreneurship is not defined by the same titling in every culture. For example, in Latin America countries social entrepreneurship initiatives are referred to as “Micro Enterprise.” In India the same program would be identified as a “Social Mission.” Though termed differently in various regions, social entrepreneurship initiatives are being implemented to solve specific societal and community concerns by focusing on the needs and resource availability within specific geographic regions.

    Social Entrepreneurship in Education Throughout the United States, many top tertiary level academic institutions are enhancing their business programs by including a curriculum that caters to the study of social entrepreneurship. In 2003, the Center for Responsible Business was launched on the University of California Berkley Campus. This subsidiary of the Haas School of Business was implemented with the intent of training students to be more principled and socially responsible members of society through attending “the preeminent educational institution in area of Corporate Social Responsibility.” Stanford University also has established a Center for Social Innovation as a part of its graduate school of business. This center was founded with the mission to “build and strengthen the capacity of individuals and organizations to develop innovative solutions to social problems for a more just, sustainable and healthy world.”

    In 1993, Harvard Business School started its social enterprise program with its mission of “generating and sharing knowledge to help individuals and organizations to create social value in the not-for-profit, private and public sectors,” and the University of Miami has refocused its business school curriculum to include coursework in the areas of ethical-decision making, social entrepreneurship and community engagement with the primary focus being to expose students to various areas of civic engagement while concurrently teaching them leadership and team building skills.

    Tertiary level institutions, including Duke, which has established a Center for the Advancement of Social Entrepreneurship as part of its Fuqua School of Business, and Columbia University where the research initiative on social entrepreneurship is embedded in its school of business, have also made strides to enhance the study and education of those seeking to venture into areas of social entrepreneurship and social venture implementation. The Association to Advance Collegiate Schools of Business-International (AACSB – International) has identified over twenty-four tertiary level institutions that have included social entrepreneurship as a part of their business college and or business curriculums.

    With social entrepreneurship being perceived by many as a new way of stimulating social change, Idee Winfield believes that the implementation of community-focused service learning projects is the first step in exposing youth to the various attributes associated with social entrepreneurship. Through community involvement, youth will begin to visualize and experience the various social issues within their community and envision ways to solve these problems. Winfield states that social entrepreneurship should be promoted in primary and secondary education, and coursework should be adjusted to allow students to “see how abstract socially focused concepts can have real world applicability.” Jeffrey Soderborg, a member of the Kauffman Center for Entrepreneurial Leadership Clearinghouse on Entrepreneurship Education, is also an ardent proponent of social venture education who believes that social entrepreneurship would be more readily accepted if youth were exposed to information expounding the laurels of these initiatives during their primary and secondary academic years.

    As youth expand their horizons through the establishment of entrepreneurial efforts, knowledge and exposure to information about the process involved in the establishment of entrepreneurial business effectively plays a major role in the rate at which business entities are established. A study focusing on entrepreneurial interests among black youth ages 14 to 19 identified that 75% of the youth surveyed had interest in becoming entrepreneur. The study also found that these minority youth believed that more information about entrepreneurship should be presented through their schools. They also believed that entrepreneurs have a responsibility to reinvest in their community.

    Corporate Social Responsibility

    Personal values often serve as the justification for entrepreneurs to focus organizational efforts on socially focused ventures. The organizational decision to forgo pursuing financial gain with the intent of using the corporations’ profit resources to enhance a community is often referred to corporate social entrepreneurship. Corporate Social Entrepreneur (CSE) is a term used to describe corporate initiatives whose primary focus is to enhance a social concern and whose secondary focus is financial gain. The corporate social entrepreneur differs from the financial profit seeking entrepreneur in the area of decisions made that affect the community and environment in which their organization functions. Research identified that in corporate social entrepreneurship business acumen serves as a factor in the success or failure of social venture initiative implementation. Research identifies that success factors associated with the implementation of social responsibility initiatives were linked to whether the entrepreneur exhibits behavior that is moral, amoral or immoral.

    The amoral entrepreneur would pursue initiatives only if they were deemed acceptable by the organization as a whole. The immoral entrepreneur implements initiatives based on what can be potentially gained for self as well as for the stakeholders, while the moral entrepreneur would pursue social responsibility initiatives based on what was in the best interest of the organization. Individuals identified as corporate social entrepreneurs are individuals who are more active in community activities and are actively involved in social responsibility efforts. Corporate social entrepreneurs also are more likely to implement social responsibility initiatives based on an organization’s long term objectives.

    While many corporations are looking for ways to increase their social responsibility efforts, in some regions corporate responsibility efforts are not progressing. A policy paper, “Corporate Social Responsibility in Latin America and the Caribbean,” documented that corporate social responsibility activity in this region has “stalled.” The reason for stagnation in this region is “minimal government involvement” and the lack of “private sector involvement.” It was also identified that initiatives to implement programs focusing on social responsibility are often initiated outside of the market, and then subsequently not embraced by stakeholders who reside within this geographic region.

    Corporations are continually looking for ways to increase corporate advantage through their social responsibility efforts. While proponents of corporate social responsibility believe that corporations are obligated morally to engage in efforts to enhance social, community and environmental concerns, many stakeholders believe that social involvement should only be initiated if the efforts are going to strengthen the organization’s image, brand, moral or stock value. With this in mind, corporations have separated social issues into specific categories.

    These categories are social concerns that are general, social concerns that are value chain based and concerns that focus on social dimensions of competitive contrast. Generic social issues are identified as social concerns that do not directly affect the company’s operation and do not have an effect on a company’s competitive advantage. Corporations are least likely to get involved or invest in projects that focus in these areas because they will not receive a high value of return on their involvement. Value Chain Social Impact issues can significantly affect a company’s operation and can have an impact on the way a company conducts business. Corporations are more likely to be involved in value chain concerns, but only after conducting due diligence studies to ensure that a return on investment will be achieved over time.

    Social issues that affect a company’s financial profitability or serve to enhance or increase a company’s competitive edge are likely to be areas that a company will invest in because of the direct impact that these initiatives will have on the company’s overall viability and stability. An example of a social dimension projects is General Electric’s investment in under-performing high schools throughout the country. General Electric believes that through investing financial and professional resources in under-performing high schools in areas where they have substantial financial investment, they are investing in enhancing a community, as well as directly increasing their future employment prospects.

    Whole Foods Market is an organization that has taken control of its social value position through purchasing products from local farmers. Also, Whole Foods maintains strict controls over all of the products produced and sold in all of its locations. They even have extended their social and ecological efforts through offsetting the use of in-store electricity with the installation of wind conversion generators, converting their trucks to operate on bio-fuel and trucking spoiled produce to regionally located compost sites. Though the investments in these technologies may be costly at the onset, the long term financial, civic and market exposure benefits far exceed any initial costs incurred.

    In the area of corporate philanthropy many corporations are at a loss. They continue to be involved in the conflict between philanthropic giving and investor requests for increased profits. For this reason many corporations engage in context-giving programs. Context-giving programs are programs that are defined as allotting resources to specific projects that will enhance the community while simultaneously enhancing the corporation.

    Examples of context-giving initiatives include the Cisco System Networking Academy, which trains computer network administrators and provides job opportunities to those who complete the program; the DreamWorks SKG film production program that trains low-income individuals in occupations that are needed in the film and entertainment industry; and American Express Travel and Tourism Academy which trains high school youth for careers in the hospitality and tourism industry. Corporations that invest in corporate-giving social venture programs are concurrently gaining positive return on their social investment, improving the economic climate of the communities where they are located and gaining positive exposure for their organizations.

    At times social ventures do not have the intended impact on the community. A study focusing on the impact of community focused business ventures found that businesses started with the intent of enhancing a community often lose focus by becoming focused on profitability and competition. Competition and self-focused motivators were identified to be factors that played an additional role in the impact and economic role that entrepreneurial ventures have in community settings.

    While many foundations, trusts and philanthropic organizations, accumulate and distribute resources with the intent of providing services to enhance specific community or social causes, many of these organizations are looking for ways to gain public exposure for their efforts. Organizations also attempt to leverage their gifting efforts through seeking not-for-profit organizations that are willing match the funding received. The success of funded programs is evaluated through performance outcomes and indicators, and through promoting the organization’s work through success stories provided by program clients. These methods are viable ways for funding agencies to acquire value and exposure through their philanthropic efforts and simultaneously continue their efforts to enhance the communities in which they invest.

    With the social philanthropic efforts of Warren Buffet and Bill Gates gaining a high degree of attention, and many leaders engaging in activities to promote social advocacy, corporations are seeking ways to also gain exposure with social entrepreneurship. Social entrepreneurship from the corporate perspective can be defined as corporate social initiatives used by a corporate entity as vehicle to show support for social causes. In recent years, many Fortune 500 companies have implemented social ventures with the intent of enhancing their corporate image through providing funding for various social causes.

    McDonald’s is one such company that has funded social causes for many years. McDonald’s primary social venture is the Ronald McDonald House Charities. The Ronald McDonald House provides lodging for the families of adolescents, ranging in age from birth to 18, who are receiving critical care for illness in communities that are away from their community of residence. The Ronald McDonald House allows families to reside in these temporary living facilities throughout the child’s period of treatment at no charge.

    The Federal Express Corporation also funds programs focused on the implementation of socially responsible programs. FedEx is a supporter of St. Jude’s Children’s Hospital and has been acknowledged by Reader’s Digest as one of “Americas Best Charity Minded Corporation.” Federal Express has also been recognized for providing funding for numerous community and civic organizations, including March of Dimes, Heart to Heart organization, an organization that focuses on delivering food and health resources globally, the United Way and the National Civil Rights Museum. These are just a few of the charitable initiatives that allow Federal Express to present itself as a socially conscious organization.

    Virgin Mobile has partnered with Youth Noise, a not-for-profit organization that brings youth together for networking and brainstorming opportunities, and Stand Up for Kids, the largest all volunteer not-for-profit organizations in the United States, to implement an initiative to expand its corporate social responsibility activities. The project involves recording artists donating ring tones to Virgin Mobile and through partnership agreements, 5% of the proceeds received through ring tone sales are donated to various “Virgin Mobile Charity Partners.” This initiative, established in June 2006, is being positioned to raise over $250,000 annually.

    For social ventures to gain global acceptance, corporations need to become involved in ventures that allow employees and consumers to see the social, community and external benefit of these ventures. This process is identified in countries south of the United States, where the concept of social responsibility is one that has been embraced by many but implemented by few. Many government organizations expect non-government, or private organizations to take responsibility for ensuring the stability and longevity of the resources throughout this region while the private sector is looking toward government agencies for intervention.

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    Source by Paul Van Putten

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  • Population Distribution or Structure II – Sex, Occupational and Geographical Distributions

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    Sex distribution

    The sex distribution refers to the classification of a given population according to sex or gender (male or female). Sex distribution can easily be obtained from a population census of a given country which shows the total number of males and the total number of females.

    A knowledge of the total number of makes and females in a country will assist the government to make the necessary plans to cater for the population. If, for example, the population of the female is higher than that of the males, it means government will have to plan to provide goods and services for more people because such a country will give rise to high population. Nature has, however tried to balance the number of males with that of the female in such a way that the differences in number between the two is usually very small.

    Occupational distributions

    Occupational distribution of a population refers to the classification of the working population into different types of work they engage in. The occupational distribution in any population is influenced by a number of factors. These include:

    1. The level of education

    2. Availability of natural resources

    3. The level of technology

    4. The types of productive activities.

    The major types of productive activities are primary (extractive), manufacturing, construction, commercial, direct and indirect services. In west Africa for instance, majority of the occupationally distributed population are found in farming, mining fishing and lumbering.

    Geographical distribution

    Geographical distribution of a given population refers to the spread of people into separate geographical areas within a country. The distribution may be due to occupational, presence of mineral resources, historical factors, seat of government, availability of social amenities etc. Reasons for high population density due to geographical distribution are: favorable climate, fertile soil, natural attachment/historical factors, administrative headquarters, employment opportunities, presence of minerals, presence of industries, presence of social amenities and infrastructure, commercial activities and migration.

    Economic Implications or Effects of Increase in the Population of Dependants

    The Dependants are the population that are between 0-17 years, which include the infants, pupils in nursery, primary, secondary and those in tertiary institutions, and the old age (over 60 years that are not working) but depend on the working population (18-60 years) to cater for all their needs or requirement. If the population of the dependents is higher than that of the working class it has the following economic implications: high taxation, increase in prices, increase in government expenditures, low savings, low investment, fall in standard of living, increase in demand for goods and services, increase in imports, decrease in exports and low supply of labor.

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    Source by Funom Makama

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  • Entrepreneurship – Benefits Of Taking An Entrepreneurship Course

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    Are you tired of your regular job? Are you thinking of starting a business of your own? Do you want to enhance your ability to create wealth? Do you want to be your own boss? Do you want to have control over your decisions? Are you a risk taker? Do you have a high expectation of yourself? If the answer to the above questions is yes, then all you need to do is to channel your energy in the right direction.

    While passion is important for any business venture, the know-how is equally important for success. Many entrepreneurs who started out very passionate end up losing steam due to the fact that they do not have the proper entrepreneurial skills to make their business succeed. Entrepreneurship education is therefore key to a business growth and success.

    According to research, entrepreneurship education contributed to the growth of firms especially smaller emerging firms. On average, emerging companies that employed entrepreneurship graduates had greater than five times, the sale and employment growth than those that employed non-entrepreneurship graduates. This means that taking an entrepreneurship course would definitely lead to an increased sale of your product or service.

    In addition, it was observed that larger firms paid entrepreneurship graduates significantly more than they paid non-entrepreneurship graduates. In the United States, entrepreneurship graduates working for large firms earned approximately $23,500 more per year than did other business school graduates. This all goes to show the relative importance of an entrepreneurship education.

    So as an individual seeking to start a business venture, taking an entrepreneurship course would benefit you and your business in the following ways:

    • It will enhance your ability to create wealth from your own business
    • It makes you become a champion of innovation.
    • It gives you the ability to create greater opportunities for yourself with advancing technologies
    • It makes you self-sufficient and enterprising
    • It gives you community understanding skills which is good for your business
    • It enhances your business management skills
    • It gives you an orientation to change that can help your business keep up with the ever changing times
    • It gives you a better understanding of the market economy that your business must thrive in
    • The education obtained leads to your ultimate personal growth
    • Your decision making skills are improved
    • It expands your creative thinking

    As a result of these outlined benefits, many experienced leaders, economists and educators believe that fostering a robust entrepreneurial culture will maximize individual and collective economic and social success on a local and global scale.

    TAKE AN ONLINE ENTREPRENEURSHIP COURSE TODAY

    It is interesting to know that you can take this amazing course online. As an entrepreneur, leaving your business to attend a traditional institution of learning might not fit well with your plans. If that is your situation, then be rest assured that you are covered. With the steady growth of online education, a lot of online institution of repute that offer this course are available to choose from. In fact one unique institution stands out – The Swiss E-learning Institute. Apart fro other amazing benefits you are bound to enjoy, this institute also offers entrepreneurship students the opportunity of earning passive incomes just by enrolling and activating this course. Find out more by visiting the link on the resource box below.

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    Source by Kelechi Nwachukwu

    Views: 0

  • Should Gays Be Allowed to Marry?

    Should Gays Be Allowed to Marry?

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    Marriage is more than a piece of paper. It confers numerous benefits, such as health, disability and life insurance, pension funds and tax refunds for spouses. Many gay couples desire to marry and partake in these benefits but have been denied this right because of their sexuality and that is not fair. According to some individuals, America is the greatest country in the world. It is supposedly filled with opportunities for everyone, not just financially but an opportunity to be free from judgement. This is not true. Everyday, millions of people are denied a right many take for granted. Gay couples in most states cannot marry because it is illegal to marry someone of the same sex and that is not fair.

    Marriage is a legal commitment between two consenting adults. It is about sharing, love, trust, and legal status. Two adults who make this private personal choice to form a life-long commitment should not be denied the right to marry just because their sexual orientation. It is illegal to discriminate against gays seeking employment, education or housing. Gays keep communities safe as firefighters and police officers, staff hospitals, and pay taxes. Denying gay couples the right to legally marry takes away their legal rights in receiving employee benefits, government benefits, and other benefits that heterosexual couples enjoy.

    A person's sexuality should not be an obstacle to whether he or she wants to marry someone. A gay person has the same needs and desires as a heterosexual individual. The only difference is the way he or she has sex. If two individuals fall in love and wants the same economic advantages that marriage offers heterosexual couples, they should not be denied that right based on their sexuality.

    Although American society denies the right to marriage to gays, it glorifies heterosexuals who make a mockery out of marriage by marrying and divorcing a succession of partners. This practice is called "Serial Monogamy" and it is sickening and very hypocritical of American society to stand judgment on gays for their lifestyles but sanctions heterosexuals who do not have good judgment or morals. Most people who are opposed to gay marriage often bring up the Bible, saying that the Bible does not condone the gay lifestyle and that marriage is strictly between a man and woman.

    However, these same individuals are often involved in extra-marital affairs, are cohabitating without the benefit of marriage or are gay themselves, hiding behind pious words of morality. Gays are just like anyone else and they deserve to partake in the economic advantages that marriage has to offer. Instead of denying the right to marriage to gays, American society should concentrate on fixing the widening economic gap between the wealthy and the poor and figuring out why American society is the laughing stock of the world.

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    Source by Kathy Henry

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  • Review: ‘Living A Laptop Lifestyle’ Book

    Review: ‘Living A Laptop Lifestyle’ Book

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    I recently came across the book, ‘Living A Laptop Lifestyle’ and had the pleasure of meeting the authors, Greg and Fiona Scott. They gave a presentation, at an event put on by the Six Figure Mentors for its members, about how to write your own book. So who better to show what works in internet marketing, than someone who has already been there.

    ‘Living a Laptop Lifestyle’ is their story into how they found their feet in marketing on the internet. Like many people in today’s economic climate, their circumstances forced them to make changes to the way they earned an income. After Fiona was made redundant, from a high paying job, they had to re-think how to reclaim their lives. Determined to never trade their time for money again, Fiona and Greg decided to start their own business… but they had no idea where to start and what business to go into.

    They attended what they call a ‘pitch fest’. This is a conference where other internet marketers talk about their products and have a platform to sell their ‘time limited offers’ or ‘money off for first 50 to sign up today’. If you have never been to one of these, count your self lucky, it is not a pleasant sight. Go to one to learn, but beware that you could end up buying products you may never need especially if you are new to internet marketing because you will not know what works and what doesn’t.

    If you are thinking of starting out online, books written by entrepreneurs, like Greg and Fiona, can give you many tips and resources to get you started in the right direction to set up and run an online business.

    Some of the points that are raised in the book, ‘Living a Laptop Lifestyle’,

    1. Initial Investment

    If you are starting out online, then don’t expect to invest zero. Many people think that they can start out online with nothing and earn millions. They may well have their bubble burst. Greg and Fiona talk about the reality of starting out online. Just as you can’t start an offline business with no money, so it follows that you will need to have some money to invest into your internet business.

    2. The Pitfalls of Working for Yourself

    If you are just starting out to build an online business, then you will need to be disciplined. The importance of time management and keeping to schedules is crucial when you are working for yourself. This book gives some useful tips and offers some tools that the couple use to help them schedule their time.

    3. Mindset

    The book does have a large section on mindset and you might wonder why. When starting out online you will realize that you will be working in isolation, so keeping a positive mindset is essential to your success.

    4. Fear of Technology

    Greg and Fiona break down this topic and show how the internet is accessible to everyone, no matter what your level of computer knowledge. There is no need to be afraid of the internet and to let this stop you from taking action to start out online. They give lots of advice about outsourcing and how to gain the skills you need to be successful online.

    5. Keeping Focused

    One of the reasons that stop many newcomers from succeeding in an online business, is that they keep chasing ‘shiny objects’. This means that they start one system, then a new one comes their way, so they drop everything to start something new and never complete any! They give up believing that building a business online doesn’t work. Greg and Fiona talk about how they avoided these ‘shiny objects’ and stayed focused on their goals and how you can too.

    You will find links to Greg and Fiona’s businesses and this part of the reason for any one with a business to write a book. Whilst giving lots of advice and information about your own story, a book will also provide the opportunity for lead generation. So if you are starting out online then you will want to read this book. Similarly if you have been online for a while, then this book will help you to outline what you need to consider when writing your own story to build your own online business.

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    Source by Bernie Podmore

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  • Is Equitable Distribution of Marital and Non-Marital Assets the Same As Equal Distribution?

    Is Equitable Distribution of Marital and Non-Marital Assets the Same As Equal Distribution?

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    No, equitable distribution of marital and non-marital assets is not the same as equal distribution. Equal distribution states, known as community property states include California, Louisiana, New Mexico, Washington, Arizona, Idaho, Nevada, Texas, Wisconsin, and by agreement of both parties, Alaska. All other states distribute marital assets using the term "equitable" which, in legal terms, means "fair" distribution of assets. (Debts are also termed marital and non-marital and will be distributed equally or equitably according to the parties state of residence). The actual fairness of the distribution will depend on if a couple can negotiate their own equitable distribution through the mediation process, required in Florida, for example, or if a judge must use his or her interpretation of what will be fair for each party, particularly when looking into the past for who contributed what to the marriage and into the future for how each party will continue to manage as a single, now responsible for their own welfare.

    Non-marital assets include all property, real and otherwise which a party obtained before the marriage took place. For example property such as a home, high-end furniture or electronics, valuable jewelry, and / or a vehicle, if completely paid for by a party prior to his or her marriage would be termed non-marital and be retained by that party. Also property real or otherwise, if sold during the marriage could provide profit belonging to the owning party to be used at his or her discretion. An inheritance or specific gift can also be termed non-marital. Substantial proof of the pre-marital ownership or post-marital acquisition of all non-marital assets will be required before the actual acceptance of an asset as non-marital.

    Marital assets are all property and items accumulated and / or purchased during the marriage. Monies earned during the marriage are also looked at to determine what each party has contributed to the welfare of the union. It is important to understand that, for example, a woman or man who has stayed home to care for home and children will have their years of non-monetary work be given a value which will compute into dollars when figuring the actual equitable distribution. The lifestyle of the family and how each party will be able to continue following the final judgment will also be a factor when a judge decides the final distribution. Remember, "fair" is the keyword is making an equitable distribution. Length of the marriage, the parties economic situation, contributions to the education or career or the other party, the need to keep an asset such as a business or family heirloom, severe waste of assets during 2 years prior to filing, and the wisdom of retaining the marital home, particularly if minor children are involved are all considerations when determining equitable distribution. A complete list of considerations for equitable distribution of marital assets and debts in the state of Florida can be found in Florida Statute 61.075.

    As can be easily seen, the whole issue of determining marital versus non-marital and equitable distribution involve a whole maze of considerations. An experienced legal professional will be able to help his or her client sort out the many in and outs, as well as help collect the necessary proofs needed. And finally, if you are serious about a dissolution of your marriage, try to the best of your ability to work out your final agreement during your meditation when you and your spouse can determine the equitable distribution for yourselves. A lot of feelings can be hurt when a judge is the one to tell you what you can and cannot keep. Finally, if the equitable distribution decided on during mediation is extremely one-sided a judge can refuse to sign the final order, so be fair, "equitable" and all will benefit.

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    Source by Grant J Gisondo

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