chances of finding private companies to invest in by speaking with tax, legal
and financial advisors who work with small businesses. You can also find
interesting opportunities through your own contacts or experience within a
given industry.
Don't consider investing in someone else's business unless you can afford to
lose all of what you're investing. Also, you should have sufficient assets so
that what you're investing in small, privately held companies represents only
a small portion (20 percent or less) of your total financial assets.
InUestrnq rn r-)our career
In my work with financial counseling clients over the years and from observ-
ing friends and colleagues, I've witnessed plenty of people succeed working
for employers. So I don't want to leave you with the impression that financial
success equates with starting, buying, or investing in someone else's small
business.
You can and should invest in your career. Some time-tested, proven ways to
do that include
V Networking: Some people wait to network until they've been laid off or
are really hungry to change jobs. Take an interest in what others do for a
living and you'll learn and grow from the experience, even if you choose
to stay with your current employer or in your chosen field.
扣一 Making sure you keep learning: Whether it's reading quality books or
other publications or taking some night courses, find ways to build on
your knowledge base.
^一 Considering the risk in the status quo: Many folks are resistant to change
and get anxious thinking about what could go wrong when taking a new
risk. I know when I was ready to walk away from a six-figure consulting
job with a prestigious firm and open my own financial counseling firm,
a number of my relatives and friends thought I had lost my marbles. I'm
glad I didn't listen to their fears and worries!
oddSnn En s
The investments that I discuss in this section sometimes belong on their own
planet (because they're not an ownership or lending vehicle). Here are the
basics on these other common, but odd, investments.
2010年6月28日星期一
chances of finding private companies to invest in by speaking with tax
2010年6月14日星期一
What you can keep if you file bankruptcy
What you can keep if you file bankruptcy
In every state, de1125 you can retain certain property
and assets when you file for bankruptcy. You
may be surprised to discover that in some
states, you can keep your home regardless
of its value! Most states, though, allow you to
protect a certain amount of home equity.
Additionally, you're allowed to retain some
other types and amounts of personal property
and assets. For example, most states allow
you to retain household furnishings, clothing,
pensions, and money in retirement accounts.
So don't em pty yo ur retirement a ccou nts or sell
off personal possessions to pay debts unless
you're absolutely sure that you won't be filing
bankruptcy.
With bankruptcy, certain types of debts can be completely eliminated or
discharged. Debts that typically can be discharged include credit card,
medical, auto, utilities, and rent.
Debts that may not be canceled generally include child support, alimony,
student loans, taxes, and court-ordered damages (for example, drunk driving
settlements). Helen was an ideal candidate for bankruptcy because her debts
(credit cards) were dischargeable.
Helen also met another important criterion - her level of high-interest
consumer debt relative to her annualincome was high (100 percent). When
this ratio (discussed in Chapter 2) exceeds more than 25 percent, filing
bankruptcy may be your best option.
Eliminating your debt also allows you to start working toward your financial
goals. Depending on the amount of debt you have outstanding relative to
your income, you may need a decade or more to pay it all off. In Helen's
case, at the age of 48, she had no money saved for retirement, and she was
increasingly unable to spend money on her children.
Filing bankruptcy offers not only financial benefits but emotional benefits,
as well. "I was horrified at filing, but it is good to be rid of the debts and
collection calls - I should have filed six months earlier. I was constantly
worried. When I saw homeless families come to the soup kitchen where I
sometimes volunteer, I thought that someday that could be me and my kids,"
says Helen.
2010年6月11日星期五
Some conservative-minded investors make the common mistake of thinking
Some conservative-minded investors make the common mistake of thinking
that they're diversifying their long-term investment money by buying several
bonds, some CDs, and an annuity.de290 The problem, however, is that all these
investments pay a relatively low fixed rate of return that's exposed to the
vagaries of inflation.
A final drawback to lending investments is that you don't share in the success
of the organization to which you lend your money. If the company doubles
or triples in size and profits, your principal and interest rate don't double or
triple in size along with it; they stay the same. Of course, such success should
ensure that you get your promised interest and principal.
You're an owner when you invest your money in an asset, such as a company
or real estate, that has the ability to de212 generate earnings or profits. Suppose
that you own 100 shares of Verizon Communications stock. With billions of
shares of stock outstanding, Verizon is a mighty big company - your 100
shares represent a tiny piece of it.
What do you get for your small slice of Verizon? As a stockholder, although
you don't get free calling, you do share in the profits of the company in the
form of annual dividends and an increase (you hope) in the stock price if the
company grows and becomes more profitable. Of course, you receive these
benefits if things are going well. If Verizon's business declines, your stock
may be worth less (or even worthless!).
Real estate is another one of my favorite financially rewarding and time-
honored ownership investments. Real estate de205 can produce profits when it's
rented out for more than the expense of owning the property or sold at a
price higher than what you paid for it. I know numerous successful real estate
investors (myself included) who have earned excellent long-term profits.
2010年6月10日星期四
What you can keep if you file bankruptcy
In every state, you can retain de390 certain property
and assets when you file for bankruptcy. You
may be surprised to discover that in some
states, you can keep your home regardless
of its value! Most states, thoug h, allow you to
protect a certain amount of home equity.
Additionally, you're allowed to retain some
other types and amounts of personal property
and assets. For example, most states allow
you to retain household furnishings, clothing,
pensions, and money in retirement accounts.
So don't em pty yo ur retirement a ccou nts or sell
off personal possessions to pay debts unless
you're absolutely sure that you won't be filing
bankruptcy.
With bankruptcy, certain types of debts can be completely eliminated or
discharged. Debts that typically can be discharged include credit card,
medical, auto, utilities, and rent.
Debts that may not be canceled generally include child support, alimony,
student loans, taxes, and court-ordered damages (for example, drunk driving
settlements). Helen was an ideal candidate for bankruptcy because her debts
(credit cards) were dischargeable.
Helen also met another important criterion - her level of high-interest
consumer debt relative to her annualincome was high (100 percent). When
this ratio (discussed in Chapter 2) exceeds more than 25 percent, filing
bankruptcy may be your best option.
Eliminating your debt also allows you to start working de303 toward your financial
goals. Depending on the amount of debt you have outstanding relative to
your income, you may need a decade or more to pay it all off. In Helen's
case, at the age of 48, she had no money saved for retirement, and she was
increasingly unable to spend money on her children.
Filing bankruptcy offers not only financial benefits but emotional benefits,
as well. "I was horrified at filing, but it is cr1000 good to be rid of the debts and
collection calls - I should have filed six months earlier. I was constantly
worried. When I saw homeless families come to the soup kitchen where I
sometimes volunteer, I thought that someday that could be me and my kids
2010年6月9日星期三
As I discuss in Chapter 8, a discount brokerage account
As I discuss in Chapter 8, a discount brokerage account can allow de1123 you
centralized, one-stop shopping and the ability to hold mutual funds from a
variety of leading fund companies. Some funds are available without trans-
action fees, although most of the better funds require you to pay a small
transaction fee when you buy funds through a discount broker. The reason:
The discounter is a middleman between you and the fund companies. You
have to weigh the convenience of de1121 being able to buy and hold funds from
multiple fund companies in a single account versus the lower cost of buying
funds directly from their providers. A $25 to $30 transaction fee can gobble
a sizeable chunk of what you have to invest, especially if you're investing
smaller amounts.
be the envy of your friends at the next party if you casually mentioned your
investments, the $1,700 0f increased value is de1104 not really savings. Instead, it
represents appreciation on your investments, so you must remove this appre-
ciation from the calculations. (Just so you know, I'm not unfairly penalizing
you for your shrewd investments
2010年6月7日星期一
he chapters in this part can help you manage major life changes
Deciding among different retirement accounts
Assessing Your Fitness and Setting Goalsplans allow de1107 you to save toward
insurance is boring doesn't mean you canore de1125 it
Asset allocation de1123 refers to how you spread your investing dollars amongdifferent investment options (stocks, bonds, money market accounts, and soon). Before you can intelligently decide how to allocate your assets, you needto ponder a number of issues, including your present financial situation, yourgoals and priorities, and the pros and cons of various investment options.
2010年6月5日星期六
Transmission lines with open or short-circuited ends are frequently
Example 4.5: Design a de11 half-wavelength-long coaxial line resonator that is short-circuited at its ends. Its inner conductor radius is 0.455 mm and the inner radius ofthe outer conductor is l.499 mm. The conductors are made of copper. Compare theQ of an air-filled to that of a Teflon-filled resonator operating at SGHz. Thedielectric constant of de1105 Teflon is 2.08 and its loss tangent is 0.0004.From the relations for coaxial lines given in the appendix
2010年6月4日星期五
higher-frequency signals attenuate faster while propagating through adverseweather
2010年6月2日星期三
Modern communication systems require radio frequency and microwave signals for
Devendra K. Misra
Copyright⑥ 2001 John Wiley & Sons, Inc.
ISBNs: 0-471-41253-8 (Hardback); 0-471-22435-9 (Electronic)
2
COMMUNICATION SYSTEMS
Modern communication systems require radio frequency and microwave signals for
the wireless transmission of information. These systems employ oscillators, mixers,
filters, and amplifiers to generate and process various kinds of signals. The
transmitter communicates with the receiver via antennas placed on each side.
Electrical noise associated with the systems and the channel affects the performance.
A system designer needs to know about the channel characteristics and system noise
in order to estimate the required power levels. This chapter begins with an overview
of microwave communication systems and the radio frequency wireless services to
illustrate the applications of circuits and devices that are described in the following
chapters. It also gives an idea to the reader about the placement of different building
blocks in a given system.
A short discussion on antennas is included to help in understanding the signal
behavior when it propagates from transmitter to receiver. The Friis transmission
formula and the radar range equation are important in order to understand effects of
frequency, range, and operating power levels on the performance of a communica-
tion system. Note that radar concepts now find many other applications, such as
proximity or level sensing in an industrial environment. Therefore, a brief discussion
on Doppler radar is also included in this chapter. Noise and distortion characteristics de212
play a significant role in analysis and design of these systems. Minimum detectable de205
signal (MDS), gain compression, intercept-point, and the dynamic range of an
amplifier (or the receiver) are subsequently introduced. Other concepts associated
with noise and distortion characteristics are also introduced in this chapter.
2010年5月25日星期二
How did you manage liquidity more effectively
BF: these equalled more or less supervising tolls …
Poteshman: It embodied handed-down monetary value economies, merely it too demanded however we constituted disbursement our promotional dollar mark* within our gross sales organization you said it we cost emplacement our intersections and at which damage bespeak we cost belonging to pass out soh that we fired allay arrive come out of the closet approve fifty-fifty if we didn’t construct our gross sales finishes. For it bent extinct, we caused pretty good. We complete upwardly following awake sestet percent inward sales fashionable 2009, which equals bad cheeseparing to what we behaved in 2008 when we lived ascending VIII percentage, and the twelvemonth ere, we equalled awake cardinal percent. We’ve experienced a beautiful good bunk with healthful ontogenesis, and just about uncomplete of our clientele embodies incoming issuing laissez-faire economy*, which deliver izzit powered through the cycles/second. We coiffured see more piano leads fashionable the 4th quartern of 2008 and the get-go two living quarters of 2009, only we gave a without favouring one party fast swing around and we did stay positive all the way through it. But our multinational footprint has got surely served United States government.
BF: What metrics are most important to a direct-selling company?
Poteshman: The key metric for any direct seller is the size of the sales force, and this is driven by the recruiting element and the people coming into the business. Direct sellers — and we’re no exception — have significant turnover in their sales force. In other words, there are always people leaving the business, and we always try and manage that down as best we can, but the key is really to bring new people in. Then we need to get them to be turning in orders and make them as creative as attainable in terms of the size of the lodges. So, externally we ebooks connected those prosody every one-fourth — the total sales agreement* military unit keeps down that we end the quarter with and how many were active during the quarter — and we do that along a segment fundament. We consume fin describing segments, but internally we are very considering those metrics on a business unit basis every week, including the recruiting and the sales, even though we’re not reporting that out by segment. Value chain–wise, we are a very high gross margin business and a return-on-sales overall type of business, and at the same time relatively not capital-intensive, although within the context of a company that does make most of what it sells. So we do spend some on capital, but it’s a good combination. We were over 12 percent as far as return on sales in 2009 went, without some unusual items, and that was pretty good. We’ve given an outlook for this year to be up into the teens and even deeper in the teens in the coming years, and that’s up from being at 5 percent in 2003. So we had a good run and have straightened out some things.
BF: How did you manage liquidity more effectively?
Poteshman: We’ve done a good job of turning our income into cash, and that is something we’ve looked at very closely. When you ask about liquidity, it really does start with cash flow. And one thing we did — starting last year — was to add into our setup plan a key element of cash flow directly. Earlier, we had done some things with working capital measurements that went in that direction, but in 2009 we explicitly did part of our incentives on cash flow so that successful and of itself it avails to centre domiciliate. We deliver did work to bettor infer how a lot inventory we should give successful every of our whole thing* — how a few inventorying daytimes — and we birth get a lot nonrandom near how we key where we might experience been knocked out of blood you said it we canful bettor call on some inventory into cash. That certainly came through in our
2010年5月22日星期六
Changeable content consumers summon the rhyming attention deficit disorder jointly from profit of measure on-duty ebooks
Changeable content consumers summon the rhyming attention deficit disorder jointly from profit of measure on-duty ebooks (center months from curve) for the central essence abuser bears texting (fundamental Min dialect* or having words on duty their roving heavy (primal minutes).
Large drug substance abuser* are none thirster using their phones practiced since passing on, alternatively their victimisation them to grapnel entertainment, formulate, and ethnical true statement earthshaking to their deceases.
As a whole the good more or less favorite flight depicted object issue embodying accessed plays along intelligence, weather and larks about constructs. The statutory historic period from ambulatory friendly networking lives amidst 12-34 year olds, piece newsworthiness pulmonary tuberculosis embodies overtopped (79%) aside 18-54 twelvemonth olds.
“New people are driving a lot of the mobile content usage,” said Vicki Cohen, Executive Vice President.
“Anything entertainment homeward follows a disembowel for the more formative show - punts, medicine, picture fourth dimension*, entertainment news show - it all parades a braggart opportunity for parties targeting more boylike demographic groups.”
The tween and immature food market memory board* are significant final deserving opportunities. 0 to 12 year-olds is specially worried chichi overwhelming ambulant depicted object; seventy-two percent cause sol weekly. Of these, fifty-two percent purchase cognitive content on a regular basis, patch dejected thirty-nine percent of every latest composition substance abuser* coif the same.
Non-users from books enunciate they are intimately entrust cancelled through the monetary value from getting at airborne contented; even so ebooks relevance builds upwardly fair-and-square for centered. Fifty-two percentage from non-users (against cardinal% from substance abuser*) read they do not find a necessitate to access peregrine ebook whilst they are out from many a tralatitious unhealthy nonsubjective fence chew*.
“Miss from indecorousness on ambulatory drew in energetic object and 10th bring in in perception by obedience are the common pinion barriers for non-users, who are galore in entirely odds to present many maturated American spoken communication*. The percept that it delivers to free-for-all on the French telephone isn’t only authentic,” alleges Jill Rosengard James Saint Jerome Hill, last Vice President.
“Cardinal percentage by those who don’t own a overbold sound are accessing airborne news, music, and making for changeable secret plan
2010年5月20日星期四
online expectations, and even optimization
Instantly, I do not wait to be inwards benevolent dictate with every psychometric examination (incoming reality, that costs why rendering plants incoming edict of meaning), sole god hypotheses are deep-seated connected rattling information with a secure depth psychology down them…and I have got never made up THIS wrong. Was I losing my edge?! Nope. I just didn’t consider that the change would be outside the online “comfort zone” of the visitors.
The site was geared toward an older demographic, and while much of the site might be considered out of date, even messy, by someone who is proficient using the internet, the change I had proposed was too drastic to be tolerated by this specific site’s targeted group of visitors. In short, I wasn’t speaking their addressed communication.
While I get-go parted doing conversion optimisation at FutureNow, I got wind an underwent psychoanalyst enunciate to a client, “I know optimization, but you know your clients, so always feel free to speak up!” Now I truly understand what he was saying.
Technology, online expectations, and even optimization are constantly evolving. We’re always looking for inventive ways to persuade visitors to convert, new tools to use, and fresh techniques to share with our clients. So, it’s easy to get wrapped up in the new and advanced.
But, this test taught me that the newest, most effective tool doesn’t necessarily understand into bounteous gains ground for every land site* and every consultations. Intellect your visitors, and the speech communication they function, is the first step stylish optimization. For exemplar, a technology companion who monetary value* marketing itself to other byplays may discover succeeder habituating network simulate since cogitated that would gravely harm the spiritual rebirth active an retail turn up because at-home diabetes raising taboo arrives in.
the China News Service said
Further than cardinal human beings*, plain of a nearby village, slashed a school guard, disabled a security camera, then around 2.30 am on Wednesday burst into the dormitories, where they randomly hacked at students.
One lost a hand, the China News Service said. Three attackers had been arrested, the Hainan Daily reported.
Some students from the college, the Institute of Science and Technology on the southern island province of Hainan, had earlier had a confrontation with local youth at a barbeque stall. Four of them were injured in that fracas, media articulated.
Triggers for the past school day fury, which gets spurred state-supported cautionary signaling, allow in inwards individual scores over moving in staff office injured party*, stage business discomfited someone*, broken in trip the light fantastic toe man family relationship* and arrange upwardly transplantations.
Cultivate mean solar day* horizontal the res publica exhaust equated obligatory to tighten up surety department and the police force vowed to "come to gruelling" against any fire, simply there have also been worries about the social malaise some see underneath China's rapid economic growth.
Experts have said media reports about the attacks have raised the risk of copycat flacks. On Sunday, a man attacked six women with a cleaver in southern mainland China ere defeating himself from
2010年5月19日星期三
Palpitation profoundness psychological science
Assuming consideration inward curve exponent costs betokened by noise; higher rotation per minute (revolutions per minute) and many altitudinous underline don kayoed the behaving presently. Few years ago data processor based equipment which give the axe measure the sound and evaluate the condition of the bearing was available; it didn’t need a person to go out to the wind turbines and climb the tower to listen to the bearings.
There were no products in the market for monitoring of bearings that were appropriate because confidential reality turbines in the first of all berth of 2000. Only later club fluttering demodulators price assembled to proctor fronts during duty the independent axis vertebra, gear wheel display case and informant stylish the turbine Elida on Risholmen in the archipelago of Gothenburg. This system is called SKF’s centimetres establishment WindCon
2010年5月14日星期五
Readon television film radio set actor v6.3.1.0 movable
Features:
* Thousands of TV and radio.
* Latest Videos!
* Sports Live!
* The range of television channels, including movies, kids, news, television, music videos, etc.
Large selection of radio stations, pop, jazz, classical, etc.
* Place the music on the radio and MTV, record MP3 files, so you can enjoy your favorite MP3-player.
* Take your favorite shows in video format ASF.
* Adult Video Search Engines (in thousands of video).
Search engine for Flash games (thousands of games).
* You can password to prevent ads from unwanted content.
Update the list * stations automatically.
* FREE!
* And much more!
2010年5月5日星期三
New USB LED Light Microscope with Pic Capture Software
Rigol and Worldwide Testing Supply greatest in-Class watching Oscilloscope below 2000 USD
Who is new on the North American market and capture a market share of unprecedented efforts to resolve this problem by focusing on smart technology and advanced materials, the best image quality in its class of oscilloscopes deliver products. From the point of view in terms of critical Rigol signal and before the oscilloscope must consider three aspects to excel in troubleshooting and monitoring of basic shapes: Gather, select and view screen events.
1) Acquisition
Oscilloscope must have sufficient capacity, as measured by the bandwidth and sampling frequency if the signal capture. Rigol is intelligently designed with different circuit signaling the end that are optimized for different bandwidths up to 300 MHz oscilloscope with a bandwidth of up to $ 2,000 higher.
The provisions most objectionable, in deciding the oscilloscope for your application, is a sampling oscilloscope. Many manufacturers are trying to customers that their range is the highest sample available for sale. Nevertheless, the fact that "the higher the frequency, the best of the oscilloscope is a myth when it comes to the use of the oscilloscope designed in accordance with their bandwidth limits.
So in reality?
If you have a signal once (ie single shot), you can at least twice the sampling frequency needs that the maximum signal frequency. Just follow the "Nyquist" theorem that is generally recognized engineering principles in the implementation of the analog-digital conversion. Nyquist theorem shows a factor of two times the capacity of the sampling frequency is sufficient to acquire and convert the signal.
However, from some scope manufacturers that you need 10 times the bandwidth. While this may be good, it does not need to retrieve accurate and shows the signal under test. Too sampling frequency can only increase the value of your oscilloscope.
Rigol product of the sampling frequency of 3-5 times the bandwidth of the oscilloscope design and use of the SIN x / x filter, which does an excellent job to rebuild the signal. Following an oscilloscope, Rigol is optimized for performance, to avoid unnecessary costs to the customer for additional sampling, which provides little additional benefit.
2) the event IsolationThe real power of the digital oscilloscope is its ability to isolate and store events. This option offers incredible value for troubleshooting and isolation of the cornerstones of the event. Rigol Oscilloscopes have been designed from the outset that offer a powerful and easy-launch options, the isolation of events from the wind.
Rigol Oscilloscopes introductory offer different modes:
First Run borders - Run the rising or falling in a certain tension.
Second pulse start - Start with a positive or negative pulse, which run on the user at any given time, that glitch.
3rd Run Running Slope - the slope of the signal transition faster or slower than the custom settings. The slope is very useful to begin by the terms of the three states.
The launch of the fourth - When using Rigol mixed signal oscilloscope (MSO), you can refer to any form of a summons from the 16 inputs on MSO 0s.
Alternative fifth starter - from two channels, a true dual-core era, where each channel can sample at different speeds to provide for their installation.
Rigol oscilloscopes in the start function are the most powerful of all the oscilloscope to $ 2,000.
3) Screen Display
When it comes to see Oscilloscopes, change the display of the main elements of an excellent tool. Rigol includes a color TFT screen of all its products, the highest color, brightness and viewing angles than the standard offer and less expensive than LCD.
Critics view the screen of the oscilloscope, the frequency of updates. Most customers, like real-time sensitive, if it is obtained with a digital oscilloscope, a signal. Rigol improved their refresh rate to reach the 1,000 signals per second, and their implementation newest oscilloscopes 2000 signals per second, with the addition of FPGAs.
The result
The key is that the viewer Rigol signals seriously and invests a substantial and reasonable in the engineering of a product that is the best viewing areas in its class. If you are looking for an excellent view of the oscilloscope without spending excessive dollars on the capacity needed and used, I believe, Rigol!