Outsourcing An Innovation for Business

If you are a business-owner, innovation is probably in the forefront of
your mind. If it isn’t it should be! In the ever-increasingly
competitive business environment today, entrepreneurs must work to
ensure that they stand out among their competitors.

It can be tempting to cut corners and try to find ways to beat out your
competition that end up sacrificing the quality of your product or
service, or give you a bad name in your industry. Always remember that
duplicating your competitors’ products, services or promotional methods,
is never a good way to try to remain competitive.

If you are in
a saturated or fully-developed industry, finding ways to innovate your
product can be difficult. But who says that you need to have a brand new

Finding ways to innovate and be inspiring in the way
you conduct your business, is one of the best ways for you to make your
company stand out above the rest.

Now, you’re probably wondering how you can innovate the way you do business.

Like most other business owners, you probably have budget constraints
and human resource limitations. You can’t afford to invest in a brand
new factory, or hire top-of-the-line marketing or operations

A great, cost-effective way to innovate the way you
do business is to outsource some of your human resource needs to
virtual assistants.

Outsourcing basically means contracting out
services that would normally be conducted in-house. You can outsource
almost any business process, like answering phones, technical
assistance, payroll, marketing, and accounting, just to name a few.

Here are just a few of the benefits outsourcing can create for your business:

It can save you money.

Managing staff can be a time-consuming and expensive process. Human
resource management requires so much more than hiring and firing, and
often business owners forget that. Outsourcing some of your staffing
needs to virtual assistants and other freelancers can be a great way to
cut down on some of your human resource costs.


The great thing about outsourcing to virtual assistants is that you can
hire them as you need their services. Short-term contracts are easily
negotiable, and you don’t have to worry about paying staff, even when
they may not be doing any work.


in the Philippines, where the virtual assistants industry is booming,
business owners can usually have their pick from a large pool of
professionals, with expertise in a variety of areas willing to freelance
with your company.

But how exactly does outsourcing add up to innovation?

It’s simple.

All of your cost-benefits from outsourcing some of your staffing needs
can greatly reduce your indirect costs, and these cost-advantages filter
down to lower the price of your product, and/or increase your profit

By working with professionals around the world who can
offer you their expertise in certain areas, you open your business up to
so many possibilities, opportunities and ideas for development.

Lastly, let’s not forget that outsourcing and hiring virtual
assistants, requires you to think strategically about your business and
your long-term goals.

Strategic thinking is golden in business development!

Read more: http://www.remote-agency.com/outsourcing-an-innovation-for-business/

Payday Loans – Getting a Money Break

Life is full of surprises. Sometimes, these surprises can come in
the form of expenses. Maybe you need some quick cash to pay for the
hospital bills or college tuition fees. When you need to get money the
quickest and easiest way possible, a payday loan is the answer to your
urgent financial needs.

Payday loans are useful for people in dire
need of quick cash. Availing of a personal loan through the banks takes
a lot of time and paperwork. Sometimes, people cannot avail of such a
loan because of poor credit ratings or the lack of collateral. Payday
loans are handy in these instances.

A payday loan is a form of
loan where you use your salary as collateral. Payday loans are
short-term, so they mature quickly, usually in 30-90 days. When the
payment of the payday loan is due, you pay for it from your paycheck or
you can renew the loan.

Payday loans have higher interest rates
than regular or personal loans. The interest rates can range from as low
as $10 to as high as $40 for every $100 you borrow. The interest rates
vary for each lending firm, so you might look at the numbers before you
sign up for a payday loan.

The fees for payday loans can be
calculated on a weekly or monthly basis. You should read the fine print
of the lending firm regarding this matter. Many payday loans have
interest rates that can reach three digits if compounded annually, so
make sure that you are capable of paying off the loan on schedule.

you are interested in getting a payday loan, it’s advisable to know the
requirements first. Many lending firms have little requirements for you
to avail of a payday loan. You must have proof that you hold a steady,
full-time job and that you have a bank account. Of course, you must be
an adult to avail of a payday loan.

Many lenders require you to
write postdated checks in their favor or to create a bank debit
authorization as guarantees of payment. When the payment of the payday
loan is due, the lender will debit your bank account or cash the check.

loans are ideal for those very urgent and important needs, such as in
cases of emergency. However, a poor understanding of payday loans can be
disastrous to your financial health. You should borrow only small
amounts of money that can be paid off in a short period of time.
Otherwise, you will be end up paying for a payday loan that has doubled
or tripled in size.

Don’t hesitate to cancel the payday loan before the
due date, if it is possible and your finances permit. This way, you will
avoid paying more money for interest and other fees. Plus, it’s a good
way to improve your credit rating and make it easier for you to get
another loan next time.

Looking for the Best Deals

There are
countless lending firms on the Internet offering cheap payday loans.
Although there are many honest and credible lenders, there are also some
scams and fraudulent ones.

You have to look for the best payday
loan deals that offer the lowest interest rates and the best terms and
services possible. Some websites allow you to compare the various online
lending firms, so be sure to do your research before signing up.

selecting the best payday loans, look for lenders that have established
a niche in the field of lending, preferably one that has been in
business for several years. A good lender should also state clearly the
fees, rates and terms for the payday loan you are interested in.

you have found a good lender that offers the best terms and rates you
can find, be sure to check the requirements. Many online lenders don’t
require your credit report but you might be required to submit some
documents. Apply for the payday loan only when you can fulfill the
requirements and if you are capable of paying off the loan in full
during the due date.

What to Avoid

A payday loan can turn
out to be an expensive nightmare if you are not very careful. By all
means don’t get a payday loan to pay for long-term expenses. A payday
loan should only be acquired for immediate and urgent needs, and should
be paid off in full by your next salary.

Be sure that you can pay
off the loan before you apply for it. Borrow only small amounts and pay
them off as soon as possible. Don’t get a payday loan just for the heck
of it, or to pay for regular household expenses. Doing so can lead to an
endless cycle of borrowing and spending that can lead to financial

Payday loans are easy and convenient alternatives to
personal and bank loans. So if you need money quickly and don’t like the
hassles of paperwork, avail of a payday loan. Just be sure to choose
your lender wisely and to pay the loan on time.

Online Career Tests – A First Step to Your Ultimate Career

It stands to reason that often times the people who have a
natural liking or interest towards a certain career path may perform
much better when they are working in this area. It also stands to reason
that if it is this natural interest in the role that lead them to the
career in the first place will also mean that they will be much happier
in their work and probably achieve much greater career satisfaction over
their lifetime.

Once a person’s career interests are identified
the task of locating their ideal profession or career often becomes
easy. The difficulty however often presents in trying to locate or
identify a persons interests that could translate into a realistic
career path. There are many ways to do this and often the best approach
is to use not just one, but a combination of methods, in conjunction
with each other to arrive at the best options or solutions for you.

of these methods that can be extremely useful in the career counseling
process is the use of career counselling or career interest test. Using a
career counselling test should not be seen as the be all and end all,
but rather as a starting point for ideas and exploration of your career
interests. There are many online career counselling tests that can be
used, however it is important to stick to or use only tests that are
valid and reliable and not simply fun “quizzes” which are found on the
internet. One example of a good online career test or questionnaire is
the Strong Interest Inventory. The benefit of taking such a test online
is that it is used widely all around the world by career counsellors and
for this reason, once you have your results you should not have too
much trouble in obtaining follow up career advice from a professional
career counsellor if you feel like you need more support and career

Another useful tool used commonly by career counsellors
around the world is the Myers-Briggs Type Indicator personality test or
MBTI for short. This can also be taken online and as with the Strong
Interest Inventory, the fact it is used so widely around the globe in
career counselling means you can easily obtain follow up career advice
based on your results at any point in the future if you wish.

Both the Strong Interest Inventory career test and
MBTI personality test should taken by people looking for a simple
answer. Career tests are an integral part of the career counselling
process and are an excellent starting point for people looking to find
their ideal career. Such career and personality test should give the
person many different career ideas and open their minds to many
possibilities which will need to be explored after the career test has
been taken. A person may feel comfortable and confident in exploring
these many possibilities on their own, or it is at this point that
people often feel they would like some additional support from a career
professional so they can be guided through this process.

There are
many online career counselling tests, including those above, which are
easily located through a search engine such as Google. A good career
personality test such as those above will provide the test taker with
many career options to explore, and it’s at that point that a career
counsellor can often provide valuable assistance to assist in maximising
the benefit of the career test. This also can be done easily on the
internet by using a search engine with a search term such as “registered
professional career counsellors list” or something similar. In
Australia there is the The Career Development Association of Australia
(CDAA) which can be used to locate an appropriate career counseling
services close to you.

So in summary, if there is one piece of
advice I can give to those looking to find the right career path for
them, it would be to take a quality career counselling test and use this
to get ideas to work from. From their the many options raised can be
explored and examined, either by yourself alone, or with the assistance
of a career counsellor or professional.

Looking For Immediate Decision Quick Personal Loans

These financially viable times are annoying. It seems that whenever cash is needed it never prevails. Like lots of citizens, you may have useful for quick personal loans and have been refused. If you were refused these are the achievable explanations why. A person can be refused because of financing. This financing is a hassle and can really injure a possibility anybody has for credit cash. Bad credit score can happen since of late or default of expenses, pronouncement of bankruptcy or if they are many different banks and organizations examination on your transaction record. The last point is essential. If you are implementing for many financial loans or looking to increase access to many finances you then are seen by many organizations as a dangerous financial assurance. For example, a person looking to take a financial loan from a financial institution, implementing for credit cards and implementing for quick personal loans are seen as a possibility. Do not try to gain access to more than you need and only try from one position at a time. After credit cash or getting a financial loan from one position, wait a while until you have shown that you can effectively start repaying cash before trying to get another organization to invest in you.

No record is worse than poor credit score. This can be irritating. Insignificant person will offer you quick personal loans because there is no proof that you can repay that cash. There is no proof because nobody has let you get instant bad credit loans to start with. Don’t worry! There are methods to build your transaction record. For example, even if you can’t get cards from a financial institution you may still be able to get one from a chain shop or large shopping area. These cards work also and are easier to achieve. Another purpose for the being rejected might have been the lack of security. Collateral are belongings that the organization can take away to repay any overdue financial commitment. Collateral is not as fulfilling as cash for either party because many belongings are value a lot less since being obtained. For example, a plasma tv brought for $2,000 may be put down as security but after a year of deterioration that same tv might only be value $1,000 to the cash loan provider.

Another purpose for being rejected could simply be because the person looking to take quick personal loans doesn’t have a job that can reasonably pay your cash returning. If the person makes only $1,500 a month in a position where living costs is estimated at $1,500 than there is literally not a cent remaining for compensation. There are methods to get around all this and the mainly helpful can be to have a co-signer. If you were refused for a financial loan, try reapplying with a co-signer who has good record. In addition, shop around. Being refused from one position does not instantly mean you will be refused from all others. There will also be very dissimilar interest rates from association to organization.

Get guaranteed approvals applying for Quick Personal Loans are a massive help to pay for expenses, transport or housing. If you were refused do not just accept it and persist stressed. Get find out what precisely hurt the occasion and receive a useful advance to attach it.

Andrew Robinson publishes informative articles about instant bad credit loans and fast bad credit loans and get instant personal loans with bad credit offering online quick personal loans. Just apply http://www.instantloans4badcredit.com

Researching A Payday Loan Five Characteristics You Want

When it is looking like it is going to be tough to pay your heating bills this month and then your car breaks down, look into a payday loan to help in the short-term. This loan is primarily for the short-term meaning, that you pay it back when you get paid again, and it is fast and easy to get online. However, there are lots of companies that offer payday loans (sometimes called cash advances) online, so it is important to consider the different features that will best benefit you. Below are the five characteristics that you need to look for in your cash advance.

To begin, you want a lender to offer you online applications. Traditionally, a lender would ask you to fax your documents in, before you were considered for a loan. Nowadays, a lot of businesses help you get your funds fast, by offering ‘no faxing’ as a main feature.

If a lending establishment offers online applications, also ask them to approve your loan instantly. With your application in their hands after the push of a button, the lender can approve it right away. This can put quick cash in your bank account sooner, because the processing time is dramatically reduced.

Third, make sure to figure out how much you will be charged in fees and look for the best rate. Usually rates are between $15 and $40 dollars per $100 dollars loaned. If we were to do the math on two examples, picture Bill who is loaned $1,000 dollars with a 20% rate, while Sandy is also loaned $1,000 dollars but at a 25% rate. How much will Bill save over Sandy? Well, Bill will be charged 5% less, so in a $1,000 dollar loan, he will have kept $50 dollars. This example should make you aware that you want to make sure you understand the fees that you are responsible to pay and look for the best rate.

Also, look for companies that offer extensions on when you must pay back your loan. Usually, payday loans must be paid back between 7-14 days, but some will offer you an extension at the same rate. An extension will offer you more preferences, in case something else comes up and you can’t make your payment on time.

Finally, look for payday loans that offer some sort of discount or perk to the customer. Sometimes companies will offer a bargain to excellent customers or customers who sign up for an email newsletter or a promotion. If you make sure to do your research, then you can lock in a inexpensive rate for your payday loan. Checkout instant approval payday loans at Payday Loan and don’t forget to check cash advance.

The Importance Of Internal Investigation Documentation

Many believe that keeping records regarding workplace investigations leads to greater risk, because it becomes challenging to hide the fact that you were aware of an important issue that should have been given attention. The Labour and Employment Law Blog has worked to debunk many common workplace myths- one of them tackles the issue of documenting workplace issues.

In the post “Employment Laws Mistake #7 – Documenting Workplace Issues”, they state that “jurors, EEOC investigators, unemployment insurance judges and everyone in between, expect employers to keep good records and be able to produce them when there is an issue about the actions that were taken and the reasons for doing so.” Therefore, it won’t cut it if you try to avoid responsibility for your actions by simply not recording them.

The Importance of Record Keeping
There are a growing number of rules and regulations that businesses have to adhere to in order to demonstrate that sufficient action was taken regarding all workplace complaints. One of the easiest ways to create evidence to prove your case is to document all of the steps taken from the time an incident was reported to the conclusion and decision made after the completion of an investigation. The article “Documenting Employee Behavior and Performance” on HRHero.com states that:

“Documentation can be used as a key tool for legal defense. Good documentation by supervisors and managers can mean the difference between a company winning and losing an employment-related lawsuit. For example, good documentation of an employee’s pattern of poor performance and discipline can establish that the employee’s firing wasn’t related to discrimination based on race, sex, age, religion, disability, or national origin. An employer may have a much more difficult time proving that without such documentation.”

The above quote brings up a valuable question- can you afford not to take the time to document internal incidents and the rest of the investigation process? If taking the time to record incidents and information means the difference between winning or losing a case in court, wouldn’t it be easier to start documenting these matters now?

It’s important for business leaders to understand that problems will only escalate if you neglect to record incidents- the idea that you cannot be held liable simply because there’s no written record of an incident isn’t going to help you out. Documentation can also benefit your business should an employee lodge a complaint after they have been removed from your company. The longer it takes for an incident to be reported, chances are, your recall of events- when left up to memory, will likely lead to a poor account of the events and reasoning behind decisions made, which could make your statements invalid.

The post “Employment Laws Mistake #7 – Documenting Workplace Issues” states that “there are also a number of practical reasons to maintain proper documentation. While business organizations are dynamic and individuals may come and go- as well as their feelings toward an employer, the documents will always remain. Also, creating a written record helps to focus one’s attention and thinking and leads to better decision making.”

What to Record
In the article “Resolving Workplace Problems”, they reinforce the importance of documenting complaints, as well as providing a list of information that you will want to keep. “Set up a file and keep records of all relevant documents and correspondence. Records should include:

– Factual written summaries of incidents noting date, time, location, and persons involved.
– Memos and letters
– Relevant work documents
– Meeting notes
– Performance evaluations
– Any other relevant paperwork to document your workplace problem- investigation interviews, witness statements, etc.
– Keeping a paper trail is essential for providing needed evidence should legal action be needed down the road.” It’s impossible to have too much information regarding an incident- you would much rather be safe than sorry when it comes to legal matters.

How To Select The Best Residual Income Business Opportunity

A lot of people are actively looking for a lucrative residual income business opportunity, but they make critical mistakes. Heres how you can avoid those costly errors. The 3 key main factors to consider are:

1) the amount of monthly income generated
2) the amount of resources required to create that stream of residual income
3) the duration of the income, including whether or not the amount of income increases or decreases over time.

Most people make the error of, first, being introduced to a company and then, second, trying to see if it is a good residual income business opportunity. They fall into the proverbial trap of not being able to see the forest for the trees. They find the tree first, without knowing what kind of forest it is in. A better approach is to identify the ideal forest first, and then look for the best tree in that forest, second. Giant Sequoias are much much taller than pine trees, but you wouldnt see that if you only look in pine forests.

The kind of forest to look in for the absolute best residual income business opportunity is NOT that of the employee or the self employed. This includes traditional work-from-home businesses. In addition, some people think that network marketing is a good forest to look in, but there is so much competition in network marketing, both in selling products and in recruiting a downline, that the return on your efforts is almost guaranteed to be low. That is how micro-economics works: high competition = low margins of return. If you are looking for the absolute best residual income business opportunity, the proper forest to look in is that of the investor.

As an investor, you are able to leverage other peoples time and other peoples money, while retaining control. You dont have to sell any products or services in the midst of fierce competition. The amount of income created is directly related to the rate of return you are able to generate. You can even hire high-performing professional traders to do the active investing for you, on a pay for performance basis, so that you dont have learn how to become a full-time trader yourself. The amount of personal resources involved can be minimal, especially if you are using other peoples money. The most valuable resource is specialized knowledge, which can be learned, from the right source. And the duration of income can be multi-generational, recession proof, and increasing every year, due to the power of compounding returns.

Being an Entrepreneur Versus Being a Small Business Owner

the world still abuzz about Facebook’s recent initial public offering,
more and more college – and even high school – graduates might have
their hearts set on being the next great entrepreneur. But there might
also be graduates out there who want to take a more practical route and
start a small business.

there is absolutely nothing wrong with entrepreneurs. They’ve helped
change and impact the world and have certainly made a substantial amount
of money. But for every Mark Zuckerberg, there are thousands of flops.
Before making any big financial decisions on what kind of career you
want to pursue, it’s important to understand the difference between
being an entrepreneur and owning a small business.

Small business
owners have many different objectives than entrepreneurs. First, small
business owners are seeking a regular income, while entrepreneurs seek
an exit value of their company or innovation. A small business owner is
looking for self-employment, while an entrepreneur is looking for
financial freedom.

And an important difference: small business
owners start and grow their business through bank loans, while
entrepreneurs depend on investors to gamble on their idea.

business owners focus on their product or service and deliver it
consistently. Entrepreneurs are continually innovating and thinking of
the next product. They’re never satisfied with the status quo.

you work better concentrating on one thing at a time, you’re more fit
to be a small business owner. If you thrive on chaos, love action and
are willing to fail several times before hitting it big, maybe an
entrepreneurial route is the right one for you.

and (small) business owners have a different relationship with their
companies,” writes Gene Marks, a contributor for Forbes. “Entrepreneurs
view their companies as assets. Something to be developed, shaped and
readied for market. And then sold for a profit so that they can move on
to the next ‘big one.'”

of the biggest differences that Marks argues is that entrepreneurs
prefer their passion over making profits. Zuckerberg likely didn’t start
Facebook for the money and small business owners that make a high
salary may not like their job all the time, but both can be happy.

good business ideas need money to get started. A small business owner
develops a plan to not only make money for himself and his employees,
but also a plan to pay off his small business loan. Entrepreneurs have a
much harder task. They need to not only pay back their investors share,
but also help those investors make money. There is never a guarantee on
a great idea.

But that’s the difference between a small business
owner and an entrepreneur. The latter is willing to fail, while the
small business owner just wants stability.

There’s a piece of
legislation heading to the U.S. Senate called Startup Act 2.0 that aims
to improve the landscape for entrepreneurs. AOL co-founder Steve Case is
on a panel to help craft the legislation. In a recent article he wrote
for TechCrunch, Case writes, “Let’s urge our leaders in Washington to
defy the odds once again in 2012 so that our entrepreneurs can usher in a
new wave of iconic, American companies.”

Entrepreneurs attempt
to the defy the odds with each idea. Small business owners develop a
stable plan to improve their life and the community their business
operates in.

Early Retirement Of Baby Boomers Is The Cure For High Unemployment

The Federal Government Should Offer Early Retirement to Baby Boomers
by Spencer Holly, AngryCalifornian

Our current high unemployment rates are not due to lack of jobs, but, rather, to the fact that our employed workforce is too large, thanks, in part, to the Baby Boomer generation that is not ready to retire.

There are two basic ways to reduce unemployment. One, the conventional solution, is to increase the number of jobs available by somehow creating more jobs, and two, to somehow reduce the total number of currently employed workers in viable jobs; jobs that will need replacement workers. Either one, or a combination, will reduce the unemployment rate.

Creating jobs is good, but it takes too long; it takes many years, and there is no guarantee that there will ever be enough jobs.

Reducing the number of currently employed workers is never considered because, on its surface, it doesnt make sense because reducing the number of employed workers should mean that there is an increase in unemployed workers and the unemployment rate. But that is only true if the no longer employed worker needs to collect unemployment benefits, and seeks new employment.

If the not-employed workers did not collect benefits, and did not need to seek new employment, the effect would be to create new job openings. It is a mathematical fact that when employed workers drop out of the workforce, the unemployment rate must decrease

So, we need to reduce the employed workforce in order to reduce unemployment.

Obviously, we cannot reduce the workforce by decree, or by force. We want individuals to voluntarily leave their jobs, and drop out of the workforce. A simple, and effective way to induce workers to voluntarily vacate their jobs, and not collect unemployment payments, and not need to seek new employment, would be to offer early retirement to certain, older, individuals who are already near retirement, but are still holding on to their jobs until they reach age 65.

Under current Social Security rules, an individual may now retire at age 62, however, their benefits, and the monthly amount they receive is much less than if they wait until they reach the age of 65. We could induce older workers to retire early by offering them full Social Security benefits at age 62, instead of age 65, and effectively reduce the unemployment rate.

We would probably create more than one position per retiring individual, because older/experienced workers often possess knowledge and skills that make them efficient workers who are able to do the work of more than one inexperienced individual. It could easily take two or more new employees to handle the duties of a single retiring employee.

Employers would like this because it would reduce their payroll costs; they would be shedding the higher paid individuals in favor of lower paid individuals, and could quite possibly hire more than one new employee per retiring employee. And they could also see a reduction in their health insurance costs, and their workers compensation costs, because the younger workforce is healthier.

Instead of collecting unemployment payments, the now employed individuals would be paying income tax, and SSI & Medicare, etc.

And lets face it. The people who spend the most money in our culture are the young people with families to feed, and cloth, and house, etc, etc. The older crowd is through with that; quite possibly, their houses are paid for, and their kids our out of college, etc. They are spending their discretionary money on medications, and recreation, and vacations.


Of course, there is an extra expense involved in paying the extra retirement monies, but that may be more than offset by the savings in not having to pay unemployment benefits, and the additional tax revenues paid by the hired workers, and the greater ripple effect their monies would have on the overall economy. (Employed people spend money and support the employment of other individuals).

From a quick search of the internet I found that during the first three years of the Baby Boomer generation, 1946, 1947, and 1948, there were an average of 3.66 million births EACH YEAR, in the U.S, for a total of about 11 million births.

Since the first baby boomers turned 62 in 2008, if all of those individuals were allowed to retire early, right now, we would create 3.66 million job openings, immediately, and then another 3.66 million jobs for EACH of the next two years.

(These are obviously high estimates, because, many of those born in those years surely have died already, and there may be some who won’t want to retire early).

According to current stats, there have been 3.6 million jobs lost in nonfarm occupations, since Dec of 2007.

(That number is certainly much higher, at this time).By changing the current retirement rules, we would almost immediately nullify all the jobs lost so far, and create up to an additional 3.66 million jobs for each subsequent year.


I don’t really know the true cost of allowing individuals to retire early, but let’s say, for the sake of argument, that it costs an average of an additional $ 20,000 per year per individual, which is probably conservative. Remember, this additional amount is only a burden for three years per individual retiree, if they choose to retire at age 62. After that, at age 65, the additional amount would no longer be additional, but would be the normal amounts dues at age 65.

At $ 20,000 per individual, if 3.66 million additional people retire early each year, the total additional annual cost is 73.2 billion dollars.

From that 73.2 billion dollars, we need to deduct the savings in unemployment payments, because formerly unemployed people would now be employed.

We would lose the tax formerly received from the retiring individuals, but that would be offset by the employees who are now employed, and paying taxes. Plus we would gain much more revenue from the ripple effect of having more, and younger, people employed.

That 73.2 billion is a huge amount of money, but, we’ve reduced unemployment by 3.66 million people, and if those formerly unemployed, now employed, individuals pay ONLY $ 3,000.00 per year in Federal income taxes, SSI, etc, the total is 11 BILLION dollars PER YEAR, off the top.

We have already wasted 100s of billions of dollars on programs, such as the 700+ billion dollar TARP, that have not created a single job, so why not spend a fraction of that amount on a program that will actually work, and will actually create job openings, and reduce unemployment ?

If the early retirement program were in effect for just a few years, say 2008, 2009,2010, 2011, and assuming the program actually begins in 2009:

If we had this program in effect for the next three years, beginning in 2009, the maximum cost would be about 658.6 billion dollars:

Age 62………………2008…….2009…….2010…….2011


Total…………………………….146.2…….219.6……292.8…..=……658.6 billion dollars

In reality, each year would be much less that 73.2 billion because the individuals would not be eligible to retire until they have attained the age of 62, which, for the population, would be distributed over the whole year.

In terms of jobs created, we could create almost 33 million job openings:

Age 62……….2008……….2009………..2010………..2011


Total………………………….7.32……….10.98………..14.64….=….32.92 million jobs


In a couple years, we could actually have a labor shortage, and wages would be forced up, and, hence, tax revenues would also increase.

Even if my figures are off by 50%, we’ve still created 3.66 million jobs immediately, and 12.8 million
more job openings in subsequent years.

Another plus, is that the retired individuals are not going to live forever, and their numbers will decrease steadily with each year, decreasing the over all cost.

On it’s surface, this kind sounds like a crack-pot idea, but……. maybe it wouldn’t hurt to do some serious number crunching on this one…

And that is just my opinion.

Spencer Holly, AngryCalifornian

Career Options You Can Choose From After Completing Ebusiness Mba

There is no field today that operates without the support of computers and the internet. Over the last few decades, we have seen an explosion over the internet of traffic, and today’s corporate world depends to a great extent on e-business and e-commerce.

Walk into any company and you will see a network of computers running the show. Small and big companies are always on the lookout for knowledgeable and qualified professionals to ensure that their business runs in a smooth manner. In order to enhance your job opportunities in this field, you must complete an eBusiness MBA degree and equip yourself with a strong skill set in computers.

In the world of information technology, eBusiness MBA is invaluable. A degree in this stream could ensure a highly rewarding career. After completing this course, you will gain enough knowledge and skills to showcase your expertise in this area and impress your current and potential employers. This will open up a host of opportunities and will help you break through and progress in your career to a great extent.

An ebusiness MBA course covers all aspects of electronic business and will teach students how to apply skills acquired in a real work environment. The first year of the course will focus on general management subjects such as leadership, economics, strategy, finance, accounting and other areas of business administration.

Moving forward, the course curriculum in the second year will focus on ebusiness and will equip you with skills necessary to specialize in this field.

3 Career options for EBusiness MBA graduates include –

1.Information Systems Director – As an information technology or systems director, you will ensure that all systems function properly and information technology services and data are secure.

2.Technology Officer – eBusiness MBA graduates can work as chief technology officers. Their duties include identification, integration and supervision of latest technology.

3.IT Project Manager – Working as an IT project manager, you will be responsible for implementation and coordination of new projects with clients, colleagues, consultants and vendors.

Many institutions offer full time as well as part time eBusiness MBA course. You can choose to complete this degree on-campus or online. Online MBA degrees offer many advantages. If you are already working and wish to continue with your job, you can enroll in the online MBA program. Major advantages of online programs include flexible timings and reduced cost. You can choose this option if you have professional or personal commitments and still wish to improve your opportunities.