Universal Elementary Education – An Experiment in Karnataka

Parents of the 32 students studying in standard seven in a school at a non-descript village in the Karnataka State of Southern India staged protests last June. The reason? They wanted their children, especially girls, to continue their education beyond the seventh standard, without travelling to neighboring villages; and the local school in the Tigalarapalya village where they were studying so far did not have classes beyond seventh. So they forced the authorities to add higher classes to the school.

Yet in 2000 and 2001, the same parents had resisted when the government officials, volunteers and non-government organizations pleaded with them to send their children to school. They preferred to send them to work in the silk-weaving factories which abound in their villages, so they could clear the loans they had taken from the factory owners. The rural district of Magadi on the outskirts of Bangalore city has many such villages, where the children work in hazarduous factories. Magadi Makkala Dhwani – a group of four non-government organizations, supported by UNICEF, had then approached both parents and factory owners and educated them on the rights of children and sensitized them to the hazards of working in factories.

The most heartening feature about the protests is that these were not headed by NGOs. It was a protest by the parents and students,which showed the concerted efforts by Magadi Makkala Dhwani had paid off in creating awareness about the importance of education.

Another interesting incident occurred last August. Around 26 child labourers were admitted to special residential schools after they were rescued by deputy Labour Commissioner and a team of inspectors and representatives of NGOs working on the pilot project introduced by the UNICEF and Norwegian Agency for Development. The three-year NORAD-UNICEF pilot project was implemented through Karnataka Government in 2002 as a test case in the districts of Davangere and Gulbarga. Since the last two-and-half years, the NORAD-UNICEF office succeeded in rehabilitating about two thousand child labourers working in chronic work situations in the two districts. Several self help groups and youth organizations took part in social mobilisation and mass awareness programmes like enacting street plays on the evils of employing under-aged children and the importance of sending them to school.

The ball that was set rolling in the 90s in the wake of the National Policy on Education through numerous programmes such as World bank-assisted District Primary Education Programme (DPEP), has gained momentum in the last five years through Sarva Shiksha Abhiyan, the integrated national programme for Universal Elementary Education, which aims to provide quality education for children between the ages of 6 and 14 years by 2010. The drive, launched in 2001, aims to reduce the number of children who are out of school, narrow gender and social gaps and improve the quality of education.

Education is the only hope for India to change its current status of a “developing country” into a “developed country”. And she cannot make this change happen unless she ensures that the 59 million children out of the 200 million children in the age group of 6-14 who are currently out of school enrol in proper schools and learn.

What is keeping these 59 million children outside the school? Problems of access, poor quality in school processes, lack of participation by the community in the school affairs and poverty are among the key barriers to universal education. In Karnataka alone, over 300,000 out-of-school children have been mainstreamed during the past three years. But what is causing concern is the national average drop out rate for children in 1-8th standard, which stands at 57% and an alarming dropout rate of 60% for girl children for the same standards.

Once children reach school, a variety of factors determine whether they will learn and acquire the skills to pursue formal education or drop out. In many cases, a child from a poor/rural family is unable to comprehend and cope up with the pace of other formal school children. Teachers are not able to identify or diagnose the competencies that a child lacks and provide him/her with supplementary teaching. It is not uncommon to come across children who have been to school but remain functionally illiterate. Disillusioned youngsters, who may have completed primary schooling and are unemployed, act as a disincentive for education of other children in the community. Younger children and their families see the writing on the wall – primary education does not always improve the situation of the poor unless what they learn is perceived as being relevant to their life situation.

The enrolment drives for out-of-school children, child labour projects and innumerable remedial education and bridge courses have emerged in the last 10 years, started by district and local government authorities and assisted by NGOs, corporate bodies, local business and the community. These bridge or condensed courses have helped children to re-enter the formal stream, prevented dropouts and improved the learning achievements of children in school.

There have been several initiatives taken by private institutions, or government in partnership with the private institutions, that have borne good results.

The Nali-Kali(literally, dance-learn) strategy of teaching developed by teachers in Mysore has adopted creative learning practices to help retain children in school and bring in those not attending school. This method creates the right ambience for the child to learn in a child-friendly fun-filled way through educational toys, songs, games, story telling, all made by the teachers themselves. This method eliminates the formal system of roll calls, examinations, promotions and ranking.

The initiative has helped improve enrolment, particularly of girls, and has been expanded to cover more areas within Mysore and 10 more districts in the state.

The Akshara Foundation, an initiative with the Infosys backing; has worked in the slums of Bangalore to touch the lives of over 60,000 children in and around the city of Bangalore. The young children do not have to follow their mother to her workplace as she goes out to earn her livelihood. Mother of Satisa, who studies in one such pre-school, says happily, “my son does not loiter on the road when I am out on construction. He has learnt to read and write!”

To take care of children who have to work to earn a livelihood Akshara and CWC (Concerned for Working Children) have partnered with the Department for Public Instruction to start Transit School Program in 8 pilot locations in the city. Transit schools are open from 8 am to 8 pm for the convenience of the children. Working children come to the centers (mostly in government schools) at convenient times during the day.

Azim Premji Foundation focuses on “quality of education” and what happens inside a school, taking note of the numerous initiatives taken by the government. Its CEO Mr. Dileep Ranjekar says that their programs demonstrate “proof of concept” that can be replicated at a large scale in the government system. The Accelerated Learning Program and the Child Friendly School are examples of such programmes.Large numbers of children have been mainstreamed through specially devised bridge courses.

The foundation has developed CD based, child centric and interactive curricular content in local languages that is being used by thousands of schools across five Indian states. The CDs are free for all government school and non-government schools that cater to children from socio-economically weaker sections. Other schools can have it at a very nominal charge.

Mr. Dileep Ranjekar says, “We have tried to use IT to enhance the curricular learning of the children as well as to create excitement in the schools. The attendance of the children is significantly up on the days they are scheduled to work on the computers.”

There are some more remedial steps that government/NGOs can take:

  • Mobilise and organize working children into a self-managed association/organization. Educate them about their rights – right to education, freedom from exploitation, hazardous and non-hazardous work, nutrition and emotional and physical well being.
  • Take a close look at what is happening inside the school. How are children- girls, children from disadvantaged groups, children in difficult circumstances treated?
  • Set up a help-line line to reach out to working children in distress, confront and work with the government, and employers to ensure the rights of children.
  • Encourage older children to talk about their future – training, employment and self-employment opportunities and link education with future prospects.

Creating Digital Products For Your Home Based Business

I must admit, it was very exciting creating my first digital product for my home based business. To me it felt so awesome seeing my name up in lights, beaming out to an audience of fans as if I was a Broadway Star or celebrity. I told you it’s very exciting!

Having your name on something that you created from a tiny thought in your mind, worked and reworked putting hours of time in the process to me is an incredible feeling. An amazing transformation takes place inside your being when you recognize the power that you have within. Your creation will be online for as long as you want to share it with others in your home based business. Your product will contribute to our history impacting the lives of all who seek your wisdom, fascinating.

Here are some tips to start creating your digital product today!

1. Decide on a Topic:
You’ll need to select the topic to build your product around. Do research to determine if your topic will provide value in the home based business market place or is in demand.

A great way to identify this is to search on Amazon and check the topics others are interested in or creating products for already. Another great place to identify the topic you want to tap into is in forums. If there is a niche you target in your home business, consider signing up for a forum that is related and tap into the conversations. Identify problems and find solutions to assist.

2.Get Inspired:
What resonates or interests you? What are you personally passionate about? Do you like expressing yourself better through the medium of video in your home based business? You can create a webinar course. If writing is more for you, write an e-book. Choose your creative weapon that will crush fear and inspire others to greatness. When you start with a topic that interests you the creative juices can flow effortlessly.

3. Choose a Format:
Know what format of delivery you will use for your digital product. You may need additional resources depending on the product you decided to create, plan ahead of time. You may need to budget for it in your home business or allow time for creation. If for example you are creating an e-book, you will need a cover design. If you are outsourcing the job to someone, there will be a cost and time constraint involved.

4. Be Authentic:
Provide value with confidence. If you need to gather more experience or training on the topic you are considering, start putting your daily action plan into motion until you feel comfortable. You are beginning the journey for branding, You Inc.. When you share your true authentic self with others in your home based business only great things can happen.

My first digital product I created was an e-book, a home business power tool. I found this to be a fun project despite my learning curve. The experience for me was very rewarding. It captures my passion for helping others achieve success in their home based business.

Better Check With City Hall Before Starting Your Home Based Business

In the 1980s and 1990s many cities had ordinances that prevented people from operating a business from their home. They used zoning ordinances to prevent these things, and often they did them to assist local developers who had built office complexes. Also, many suburban areas didn’t want people working out of their home, delivery trucks coming up to the door, or customers showing up at a residence in using the curbside for parking.Today, most home-based businesses don’t have many visitors, much of their business is done online, and they have meetings at the customer’s location or a local coffee shop. Today, there are far more home-based businesses than there are regular businesses. In fact, the average business is a home-based business these days. This is obviously a trend that will continue, and should be expected.Fewer and fewer cities have such ordinances anymore. Although many suburban cities do require business licenses even if you work out of your home, and there are stiff penalties if you fail to do this. Likewise, many city business license departments will notify your neighbors to make sure it’s okay with them in advance. If one of them objects you may not be issued a business license.Therefore, it makes sense to check with City Hall before starting your home-based business, and discussing it with your local neighbors first so they do not object, if and when they do; a postcard will be sent by mail from the local city hall, giving your neighbors 10 to 15 days to reply, otherwise the business license will be issued.Most cities still have rules about home-based businesses, such as the number of deliveries you are allowed to get per week or the storage of chemicals on the property. But for the most part, most cities understand the new norm and how many people are working out of their home. Please consider all this.

7 Days of Planning For a Home-based Business Owner

No matter what industry your home-based business is in, chances are that your week is structured in a very similar way to other home-based business owners. As such, it should be relatively easy to plan out your week. You just follow what other successful entrepreneurs have done before you.If you have struggled with time-management this article contains a template that you may want to implement within your own business. It shows you a template about how others who have been successful before you structure their own businesses.Monday is marketing day- The truly successful home-based business entrepreneurs make sure that they put aside time for marketing, public relations and networking. They block out time in their diary to promote their business and look for customers and alliance partners. This puts these business owners at a competitive advantage allowing them to grow their business.Tuesday and Wednesday are product development days- Your business cannot be stagnant. You cannot continuously offer only one product or service. You need to make sure that you are consistently working to further develop your product or service so that you can stay ahead of the pack. Business is competitive. Chances are that others will develop similar products and services to what you offer today so you need to continuously work on maintaining your edge- your differences over your competitors.Thursday and Friday are customer service says- Customer service is vitally important. Unfortunately sometimes you are going to have customers that have issues and you need to make sure that you help them deal with their problems. If you don’t help them adequately the Internet gives aggrieved customers a large mouthpiece where they can express their displeasure. This can do irreparable damage to your business.Saturday morning is the day to manage the books- You need to make sure that you spend an hour or so on a Saturday morning looking after the books (although this can be done at any stage over the weekend.) You need to check your profit and loss and make sure that your cash flow is definitely in the positive.Saturday afternoon and Sunday are days of rest and relaxation- You need to make sure that you leave aside time for family and friends. That way you will be a happier and healthier person.I have outlined a potential timetable for you above. I must mention that you need to make sure that you do not work too many hours on the days that you are working and you need to make sure that you fit in exercise on at least 5 days per week.

Saving Money on Home Based Business Insurance

The cost on insurance has predominantly increased since the 9/11 attacks, consequently raising the cost of home based business insurance. As a business owner, you may want to save some money on insurance for your home based ventures.Prioritise your Insurance NeedsFind out the best kind of insurance based on the nature of work you do in your home based business. For an instance, it would be advisable to have business interruption insurance in order to cover your business against unwanted interruptions such as fire, floods, earthquakes or all other calamities. On the other hand, if you are into offering financial services, you must have insurance for errors and omissions.Look for Insurance PackagesA lot of insurance companies are now offering home based insurance packages, which are bundles of different types of insurances. For an instance, there would be business interruption insurance, loss of property insurance and liability insurance bundled together. There are several other combinations and you can choose the one that best suits your business. Such a way, you would be paying only one single premium as compared to paying individual premiums for different insurances.Inquire about Group RatesSeveral business organisations offer home based business insurances to their members on a discounted price. Bigger the group, lesser are the rates of insurance premiums. Of course, you would have to pay a membership fee in order to become a member with these organisations, however eventually you would still be saving a lot of money on the insurance. Every business occupation has its own set of organisations and you must inquire about these groups during your research. A few general business organisations such as SOHO or the local chamber of commerce also offer business discounts.Consult an Insurance AgentAll those companies that offer home insurance often deal with extended insurance for your home based businesses. If you choose to include both the deals together, pay attention to all those things included in your business insurance. Some riders exclude crucial kinds of insurances, which pay perhaps be disadvantageous in future.Compare Insurance PricesBefore deciding to purchase your home based business insurance, do some basic research and get quotations from various insurance companies. Investigate some professional groups with the same business industry and get their opinions about the insurance packages.Grab your FREE REPORT on How To Create 6 Figure Month in Network Marketing http://www.speedwealthmarketing.net

Why Internet Marketing Is The Best Home Based Business

Most people will use their experience from past jobs and possibly their interests to decide which home business is right for them. The typical choices include:

Cleaning Business
Personal Training Business
Driving Instructor Business
Music Tutor Business
Accountancy Business
Web Design Business
Childcare Business
Photography Business
The above are are all typically run by one man band individuals that slave away for twelve hours six or seven days a week for little profit. Not only do they work hard for little profit but they exchange their time for money!Starting a business is supposed to create FREEDOM and not TAKE IT AWAY!The Best Home Based BusinessSo what is the best home based business?The perfect home based business is one in which you can truly work the HOURS YOU WANT, WHEREVER and with WHOEVER you want. You see, there are very few businesses that allow you to do achieve this.I am only aware of one and that is ‘Internet Marketing’.Internet Marketing as a home based business can allow you to create a significant income and there are no barriers to entry. It takes hard work, a strong desire to succeed, quality training, a plan and the ability to TAKE ACTION!Anybody with a computer and an internet connection can build an internet marketing empire. Your background, your qualifications, your age, your location DO NOT MATTER!Even if you have NO MONEY in the bank, it is possible to create a full time income MUCH GREATER than the income you could generate from the above home based business ideas.Internet Marketing is about solving peoples’ problems and providing them with solutions. If you know how to do something then there are SO MANY people out there in the world that want to know ‘how to do’ what you know how to do!Online Marketing is like any other business, you give somebody something of value in exchange for money! The great thing about Online Marketing is that we provide solutions in the form of information such as eBooks, Home Study Courses, Online Training, DVDs which means the profit margins are absolutely SKY HIGH!Not only that but you can put systems in place so that you don’t need staff and these systems, once set up will work for you when you’re not there running them! It is an automated business once the hard work has been done. This means you can have FREEDOM and do the things you have always wanted to do such as spending more time with your family or going on holiday!You can do all this and still have an income coming in from your fully automated online marketing business!

Bootstrapping Your Small Business’s Working Capital Needs For Free

Can you image a way to finance your small business’s working capital needs – like purchasing inventory, supplies, materials, labor etc – and not having to pay a dime to do it?Well, not only can it be done but you might have the ability to do it right now.Working CapitalLet’s start by looking at working capital. Working capital is essentially money that a business uses to manage its operating cycle. A retail business needs inventory to sell. It purchases that inventory up front – then works on selling those products over the coming days, weeks, months, etc. But, the business cannot pay for that inventory until it sells those items. Thus, in the mean time, it has to expend some working capital to purchase those products until it can sell them and recoup its money.The same with service businesses. They need materials, supplies and even labor to get a job done for a customer. But, the business does not get paid until that job is done. However, it still has to cover those materials and wages in the mean time. It does so with its working capital – paying up front and getting reimbursed when the job is done.Lastly, working capital for a manufacturing business is its life blood. The business receives an order and has to purchase needed materials to complete that order for the customer. Plus, the business has to pay for utilities, supplies and labor to convert those materials into a finished product and it has to do all of this before it gets paid. Thus, it has to have working capital on hand or it has to refuse to take that new order.Now, most small businesses, instead of using their own money, like to apply for bank lines of credit to cover their working capital or operating capital needs.The reason is that they offer a great benefit like the ability to draw on, use and then pay that line back throughout the year – as it earns revenue from its operations.However, bank lines of credit – especially unsecured one – are very hard to get these days. Banks and many other small business lenders either no longer provide lines of credit or make them too hard to qualify for. Plus, if you can get one, they charge high interest from the moment you draw the line as well as huge fees just to have the line available.And, if you can’t get a bank line of credit, what do you do then?Well, you bootstrap of course and if you do it right – you can get all those same benefits without any of the cost.Bootstrapping Working CapitalBootstrapping is about using personal resources to start, grow and manage your small business. It comes to businesses that have no other options – meaning that they can’t get business loans. So, they turn to personal resources – like savings, home equity or personal credit cards. And, it is the latter that will provide the greatest benefit for working capital.Credit cards – personal credit cards – are used by nearly 65% of all small businesses (not just new businesses but all small businesses).The reason is that these cards provide:
The same ability (benefit) as bank lines of credit – meaning that you can draw on the credit card line, pay it back and draw again.
They are so much easier to get then business loans.
They are unsecured – so no collateral is required. And,
They can be used in your business to cover your operating capital needs.
Most personal credit cards do not have annual fees or any fees for that matter. They do not have to be zeroed out each year (meaning that you don’t have to pay them off and replay every 12 months). And, many provide cash back or other rewards – all things that you cannot or will not get with a traditional line of credit. But, their greatest benefit is that they provide billing cycles and grace periods before interest is charged.Most credit cards have a 30 day billing cycle. That means that if you make a purchase today, you will not get charged any interest until after the billing cycle is completed. Thus, let’s say that your billing cycle ends on the 15th of each month. Now, if you make a purchase on the 16th of the month, you will not be charged interest on that purchase for at least another 30 days (until the 15th of the next month). And, if you pay that balance in full before the 15th of the next month – you will not be charged any interest at all.Additional, many credit cards also offer a 25 day grace period to pay after the billing cycle ends – increasing the time until you get charged interest or have to make payments.This means that you can make purchases on your card and, not only do you not have to pay for those charges for nearly 55 days (almost two months), but you can use that time to run through your operating cycles, get paid from your customers and pay off those purchases – before you get charged any interest at all – and as long as you pay that card off in full, it will cost you nothing.Credit Cards For Cash FlowLet’s look at some examples:A retail business needs to buy $5,000 in inventory and plans to sell those products over the next 30 days. But, it does not have the cash on hand. So, it puts those purchases on a credit card, sells the inventory over the next month. Collects payments from customers – say $15,000 as their mark up is 200%. Then before the card payment is due, take $5,000 from those sales and pays off the balance. In this case, they covered their working capital needs and did not pay a dime in interest or fees for it.A service business has a new customer that will pay $20,000 to get a job done. To do this, the business will have to purchase $10,000 in supplies and added labor to complete the job. The company does not have that cash on hand and puts those charges on a credit card – completes the job in the next two weeks and collects payment from its customer. It then, before the end of the credit card’s billing cycle, pays the balance off with part of its customer’s payment and ends up paying nothing in interest or fees.Lastly, a manufacturer needs $7,500 in raw materials to create $30,000 in finished product that it has customers lining up for. But, it does not have the $7,500 on hand and uses it credit card to pay its suppliers. Then, when the production run is done and the business gets paid – it promptly pays off the card’s balance and pays no interest, financing charges or fees.And, there are as many examples as there are small businesses needing operating capital to grow their companies.Keys To SuccessThere are two key factors here:

You have to be able to complete your business cycle within that 30 day billing period. If it takes you more time then that to get paid by your customers – then you will start to accrue interest. However, paying interest for a month or two may not be that bad given that if you did not come up with the working capital in the first place, you would not be able to get the inventory or materials needed and would have to turn away those customers. (Just as long as you can earn more from the job or sale – then the product and any financing would cost).

Be able and willing to pay those charges off in full each month – when paid by customers.
ConclusionThere are times that banks and traditional business financing is not the best option for growing small businesses – especially if those banks and financing companies keep denying loan requests.So, business owners have to find ways to bootstrap. However, bootstrapping does not have to be either hard or expensive. And, like the examples shown, if managed properly, some of the alternative financing options that many small business owners try to avoid (like using personal credit) can turn out to be an inexpensive blessing in disguised.

Home Based Business vs Online Business (Part 1)

There are two types of home based businesses. One is the traditional one with an office at your home and the other is a virtual office – your website. Both require customers to keep it going and both require you to do an initial research to see which type of business you should open. Without researching both, the traditional and online, businesses are destined to fail. Let us first look at the traditional home based business.

Traditional Home Based Business

These include all kinds of small cottage industries that can be run with a few people usually family members. Professional services (e.g. photography, print & design, ladies accessories, maintenance & repair services, etc), network marketing (MLM) and food & bakery contribute to the majority of traditional home based business.

Some of these had go on to become local brands and they survive well with regular streams of customers. Therefore, a traditional home based business cannot be booted out for good…. at least not now or any near future. They serve a niche market of their own.

Although many traditional home based businesses have been successful, these ventures are quite risky to begin with. Here are some of their cons:

1) The delivery of a physical product or personal services can be very much limited by time and space.

2) Promotion and marketing of your product or services are also limited to a smaller local market.

3) When business is brisk, you struggle to meet production but when business is slow, you struggle to keep it going.

A traditional home based business require an office, you spend money on decorating that office, even if it is a home. You would require infrastructure like telephone, fax machine, printer and stationary supplies. A traditional home based business may take time to set up.

A point to remember, a traditional home based business requires higher recurring expense when compared to an online home based business.

With a traditional home based business, you need to think about hiring staff and worry about attrition. Then there is the fear of losing your traditional home based business to natural calamities like hurricanes, storms or floods. You would have keep inventory which could cause you losses.

All the above are points to ponder when you are thinking of starting a traditional home based business.

Online Home Based Business

When compared to a traditional home based business, starting an online home based business is much faster. Once you have your website running, you are in business. You do not need to wait for the stationary or the office to get ready.

This does not mean that running an online home business is a piece of cake. You need to invest time to do proper research, as which type of online home based business is suitable for you. The internet is an extremely good resource for research.

In an online home based business you set your own timings and your website announces to world what are your products or services. You do not need to spend as much on advertising as you would do with a traditional home based business. The internet gives you an edge. You reach a much large audience across the globe. This is not possible with a traditional home based business where you end up catering to the immediate community. And once your online home based business is automated, it practically runs by itself.

Examples of Successful Online Businesses

eBay

eBay was one that did not go under when the dot com bubble burst. eBay transformed itself from a garage sale and flea market site into a genuine e-commerce site. Today, eBay has over 29 million registered users selling anything from antiques to jewelry. eBay is made online transaction safe and secure and it allows buyers and sellers to post their comments online. You can check these comments and then decide whether you want to do business with a person / company.

Amazon.com

Amazon.com treats it customers like extremely. It tracks the customers’ tastes so that using Amazon.com becomes a truly rewarding experience. It has outstanding customer service with special discount services on books. Amazon.com excels in one-to-one marketing making each customer feel special.

Small Business Still Running Out to Retail Stores

Small Businesses in Canada are continuously running out to their local retail office store to purchase their computer supplies and accessories for their business. This practice is great for those businesses that need an ink cartridge or some DVD’s to backup their data, however, it is not the best practice for them to run out to purchase their next notebook computer or computer system.

Today’s small businesses are often purchasing the wrong computer system for their business. Many times when meeting with small businesses during my travels and inspecting their existing infrastructure, we are still finding many Windows XP Home or Media Centre computers that they have purchased for their business at the local retail office supply store. The sales people at these locations may lack the business technology training to properly understand what a small business needs and how business affects technology investments. The small business world is definitely different from the home or SOHO marketplace.

The business decision maker is often upset when the IT professional has to pass along the bad news that their existing systems need to be upgraded or the operating system replaced when they hit that critical point in their business that the need for a server in their business is identified. Computer Professionals that focus on small business often struggle with this daily, the need to inform the business owner that their existing systems will not be able operate effectively in a Windows domain with a home based operating system adds additional stress to their daily job.

The original reason why they went to purchase their latest computer at the retail store was perhaps the immediate gratification of getting a computer system that they can use today or out of urgency that they need something immediately. Small Business today, needs to start planning their technology investments wisely instead of spontaneously purchasing or impulse buying. This is where the Microsoft Small Business Specialist can assist them to ensure that they are investing in the right computer systems to allow their business to thrive with the right technology solution.

Where can small business turn? Business owners must find a trusted technology provider to assist them before they run out to the local office supply store. Microsoft has a great website for business owners to find that trusted resource at http://www.microsoft.ca/smallbusiness. An experienced small business specialist understands what a small business requires and will recommend the correct solution, even if they do not have a server today, a small business specialist has the skills to plan for the future. The Microsoft Windows XP Professional and Vista Business Editions are what a small business needs to ensure that are ready for grow, so when the day comes that they need to invest in their first server, they can purchase the server and it can easily fit into their existing investments.

What prevents the home or media versions from working in business? These versions of Windows were developed with scaled down functionality to work in the home market or to work with your entertainment systems, sure they will run all the software that you purchase for your business, however, they lack critical business functionality like logging into a Windows domain network, file synchronization and they lack the additional security features found in the Professional and other business editions of Windows XP and Vista.

The Small Business Specialist community needs to continue its effort in educating today’s small business marketplace to ensure that they are investing in the right technology solutions for their business needs. Small Business consultants can leverage the Business Assessment Toolkit to paint the picture for the small business on their exact needs and ensure that they are investing their dollars wisely in technology.

The Finer Points of Internet Auctions

WHAT IS A PENNY AUCTION?

Penny auctions have exploded in popularity with the massive growth of the internet. However, few people know the true origins of penny auctions.Beginnings actually stretch back to the Great Depression. Those were hard times for everyone, but even harder for farmers. Farmers struggled to bring in steady income because of droughts and crops not selling as well as they had previously. As a result, the banks would foreclose on the farmers who couldn’t keep up with their mortgage payments.

The banks weren’t satisfied with just repossessing the house, they wanted to raise as much capital as possible, so they resorted to selling off the possessions of the owners of the repossessed houses. There was not much the farmers could do about it so they began bidding ridiculously low prices, pennies, on the items while threatening others who dared to bid higher than a few pennies.

The auctions of today hardly resemble their tremulous beginnings. Being part of a penny auction today is exhilarating, fun, and addictive. It combines the selling format of auctioning with a little bit of chance factored in.Auctions are a game of strategy but also a game of luck.

The premise behind penny auctions is giving people the chance to win an item at a drastically reduced price.Auctions make that possible by spreading out the cost of the product among multiple bidders. In order for a person to take part in an auction, they must pay a set price for each bid. For example, if a person wanted to bid on a fifty dollar Amazon gift card then he would spend a dollar for each time a bid placed. If he ended up winning the gift card, then he would only have spent a few dollars for a fifty dollar gift card. Usually penny auctions sell bids in packages.

HOW PENNY AUCTIONS WORK!

The main foundation of penny auctions is the pay-per-bid format. It is the key that allows bidders to win items at the fraction of their retail value and allows the auction owners to keep their site profitable. Most y auction sites run on the same premise: people pay a set amount for each bid, whenever a person places a bid within the closing seconds of the auction time will be added, the last person left with a unique bid after the clocks runs out will win the item. There are a large variety of items that can be won, but they tend to be popular electronics or gift cards to popular stores.

There are two types of auctions: lowest unique bid auction and highest unique bid auction. Lowest unique auction sounds confusing but it is actually quite simple. A unique bid is when only one person has a bid at a certain price. Bids usually start at one penny, a bidder can then place a bid at two pennies. Until another bidder places a higher bid, the most recent bidder will be the lowest unique bid because that was the only bid at two cents and nobody bid higher. However, penny auctions generally don’t stop at one penny. It is not uncommon to find auctions that end up at a couple hundred dollars based on the popularity of the item being auctioned. However, the same principles apply for those auctions. Highest unique bid auctions follow the more traditional auction format such as eBay. The person with the highest bid at the end of the auction wins the item.

Auction site owners turn a profit by selling bids. Say twenty people are bidding on a ten dollar gift card at one dollar per bid, at the end of the auction if there were twenty bids placed in total then the site owner would have made twenty dollars with a ten dollar profit.Auctions do seem like a win-win situation:The site owner makes money while the bidder gets an item for dirt cheap. However, not everyone wins in penny auctions. The people who paid one dollar each bid but left with nothing to show for their investments will not be so happy.

HOW TO WIN!

Penny auction has a lot of chance mixed into it, but one can incorporate strategy that will help raise the chances of winning. Playing smart can make all the difference between gambling and auctioning.

The first crucial tip to winning penny auctions is to know how to manage your bids. Your goal should be to win as much as possible without spending a ton of money buying bids. Managing your bids means that you should already know how much you are willing to risk in order to win an item. The amount of capital you are willing to risk will determine how many bids you can use. Once you know how many bids you have to spend on an item, then you will be better able to manage how and when you place a bid. That will keep you from blowing away all of your bids in the first few seconds of the auction.

The next tip is to practice time management. When fighting in the trenches of penny auctions, you have two enemies: other bidders and time. Knowing when to bid is a must if you want to have success. Placing a bid when there is a lot of time left on the clock is never a good idea. You have to remember that the key to winning a penny auction is being the last one standing when the clock runs out and that each bid increases the amount of time left. It would be a good practice to wait until the last few minutes of the auction before you begin to bid.

The final tip for successful auctioning is to keep your emotions under control.Auctions have a lot of similarities to gambling, and just like gambling, your spending can get out of control. If you keep your emotions level, it will keep you from making rash decisions and blowing loads of cash. Keep your mind clear so that you can gage the behavior of the other bidders and outsmart them.

HOW TO AVOID SCAM SITES!

Penny auctions are a great addition to the web whether you want to win an item that otherwise you wouldn’t be able to afford or if you simply enjoy the thrill that comes with bidding in auctions. Unfortunately, scam sites have tarnished the reputation of the legitimate penny auction sites. However, there are ways that you can protect yourself from scamers and enjoy your auctioning without having to worry about losing your money due to dishonesty.

Checking the reputation of the auction site before you start spending your hard earned money is always a good idea. Chances are other people have tried the site before you and some of them have left reviews. The reviews are your way to gage whether a auction site is trustworthy or not. If a site is getting overwhelmingly negative reviews, then that is a clear indication that you should steer your business elsewhere.

Another tool you can use to protect yourself is checking the Alexia ranks of the auction sites. Alexia rank will give a solid view of how much traffic the auction is getting. If you see a huge difference in the amount of traffic Alexia is projecting and the amount of active bidders on the site, then warning signals should be ringing in your head. Some auction sites have been known to set up robots that automatically bid on projects in order to keep the auction going and inflate the price. That is known as shill bidding. You can sniff out those sites by comparing the traffic the site should be getting to the amount of users using this site.

CONCLUSION!

New legislation may come out later down the road that will officially make penny auctions gambling, but until then, it is a fun, exciting auction that allows one to win the item they’ve always wanted but couldn’t afford.Auctions are also quite lucrative for the site owners because of the pay-per-bid strategy they’ve incorporated. Penny auctions had humble beginnings with farmers who just wanted to get back at the banks who kicked them out of their house. More recently, auctions have enjoyed an explosion in popularity with the rise of the internet.

There are two main formats fora auctions, lowest and highest unique auction, however they both run on the same premise where the last unique bid wins the item. Winning a penny auction will require a certain amount of mental tactic and a bit of luck. However, you can increase your odds of winning by practicing certain techniques such as managing your bids wisely, learning how to work with the time, and keeping a level head and your emotions under control. When you combine those three strategies to your bidding plan, you will find that you win a lot more often.

It is important that you do your due diligence to protect yourself when participating in auctions. Not every auction is run by honest and trustworthy people. There are people out there who just want to take your money. You can protect yourself by ensuring that you only bid on sites that already have a very positive reputation from real users.


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mootings.us thespa.us messo.us myrcons.us truction.us therichp.us moorint.us fellstra.us ilrace.us jestjest.us agastory.us gelancha.us cottagen.us bricio.us muulina.us veref.us mourn.us iofk.info aviajes.info myfah.info mypha.info nginside.info kuatc.info luhana.info luzde.info manhthu.info mboxw.info moodt.info adoboo.info pychel.info okenchin.info contebria.info sofulass.info ullese.info riendsco.info runxahmco.gq pointabs.gq taminol.info tourso.info coacoh.info yecconn.info lohav.info modei.info tauto.info reizh.info lotryo.info viales.info ements.info bromp.info stampu.info emukb.info ealsonfi.info eprivacya.info ismsagi.info omesicele.icu chdbianal.info backu.info cresewe.info ndcoveni.info proveyoua.info ristsic.info irancionb.info ovosh.info lahktiuer.info thadavlea.info onajea.info horsosel.info stquali.gq hoccro.gq yourca.us moturi.us gleaners.us arnacr.us eations.us optore.us cacticr.us eations.us smithe.us uopcard.us maryssad.us moesign.us latortug.us abilin.us nague.us turtles.us travels.us benaras.us ipalace.us iamheal.us ogwithin.us intevents.us cedexte.us arteepr.us esente.us klakina.us ahlustore.us bireland.us jamesebe.us moling.us cardcoun.us mootings.us thespa.us messo.us myrcons.us truction.us therichp.us moorint.us fellstra.us ilrace.us jestjest.us agastory.us gelancha.us cottagen.us bricio.us muulina.us veref.us mourn.us iofk.info aviajes.info myfah.info mypha.info nginside.info kuatc.info luhana.info luzde.info manhthu.info mboxw.info moodt.info adoboo.info pychel.info okenchin.info contebria.info sofulass.info ullese.info riendsco.info runxahmco.gq pointabs.gq taminol.info tourso.info coacoh.info yecconn.info lohav.info modei.info tauto.info reizh.info lotryo.info viales.info ements.info bromp.info stampu.info emukb.info ealsonfi.info eprivacya.info ismsagi.info omesicele.icu chdbianal.info backu.info cresewe.info ndcoveni.info proveyoua.info ristsic.info irancionb.info ovosh.info lahktiuer.info thadavlea.info onajea.info horsosel.info 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omesicele.icu chdbianal.info backu.info cresewe.info ndcoveni.info proveyoua.info ristsic.info irancionb.info ovosh.info lahktiuer.info thadavlea.info onajea.info horsosel.info stquali.gq hoccro.gq yourca.us moturi.us gleaners.us arnacr.us eations.us optore.us cacticr.us eations.us smithe.us uopcard.us maryssad.us moesign.us latortug.us abilin.us nague.us turtles.us travels.us benaras.us ipalace.us iamheal.us ogwithin.us intevents.us cedexte.us arteepr.us esente.us klakina.us ahlustore.us bireland.us jamesebe.us moling.us cardcoun.us mootings.us thespa.us messo.us myrcons.us truction.us therichp.us moorint.us fellstra.us ilrace.us jestjest.us agastory.us gelancha.us cottagen.us bricio.us muulina.us veref.us mourn.us iofk.info aviajes.info myfah.info mypha.info nginside.info kuatc.info luhana.info luzde.info manhthu.info mboxw.info moodt.info adoboo.info pychel.info okenchin.info contebria.info sofulass.info ullese.info riendsco.info runxahmco.gq pointabs.gq taminol.info tourso.info coacoh.info yecconn.info lohav.info modei.info tauto.info reizh.info lotryo.info viales.info ements.info bromp.info stampu.info emukb.info ealsonfi.info eprivacya.info ismsagi.info omesicele.icu chdbianal.info backu.info cresewe.info ndcoveni.info proveyoua.info ristsic.info irancionb.info ovosh.info lahktiuer.info thadavlea.info onajea.info horsosel.info stquali.gq hoccro.gq yourca.us moturi.us gleaners.us arnacr.us eations.us optore.us cacticr.us eations.us smithe.us uopcard.us maryssad.us moesign.us latortug.us abilin.us nague.us turtles.us travels.us benaras.us ipalace.us iamheal.us ogwithin.us intevents.us cedexte.us arteepr.us esente.us klakina.us ahlustore.us bireland.us jamesebe.us moling.us cardcoun.us mootings.us thespa.us messo.us myrcons.us truction.us therichp.us moorint.us fellstra.us ilrace.us jestjest.us agastory.us gelancha.us cottagen.us bricio.us muulina.us veref.us mourn.us iofk.info aviajes.info myfah.info mypha.info nginside.info kuatc.info luhana.info luzde.info manhthu.info mboxw.info moodt.info adoboo.info pychel.info okenchin.info contebria.info sofulass.info ullese.info riendsco.info runxahmco.gq pointabs.gq taminol.info tourso.info coacoh.info yecconn.info lohav.info modei.info tauto.info reizh.info lotryo.info viales.info ements.info bromp.info stampu.info emukb.info ealsonfi.info eprivacya.info ismsagi.info omesicele.icu chdbianal.info backu.info cresewe.info ndcoveni.info proveyoua.info ristsic.info irancionb.info ovosh.info lahktiuer.info thadavlea.info onajea.info horsosel.info stquali.gq hoccro.gq yourca.us moturi.us gleaners.us arnacr.us eations.us optore.us cacticr.us eations.us smithe.us uopcard.us maryssad.us moesign.us latortug.us abilin.us nague.us turtles.us travels.us benaras.us ipalace.us iamheal.us ogwithin.us intevents.us cedexte.us arteepr.us esente.us klakina.us ahlustore.us bireland.us jamesebe.us moling.us cardcoun.us mootings.us thespa.us messo.us myrcons.us truction.us therichp.us moorint.us fellstra.us ilrace.us jestjest.us agastory.us gelancha.us cottagen.us bricio.us muulina.us veref.us mourn.us iofk.info aviajes.info myfah.info mypha.info nginside.info kuatc.info luhana.info luzde.info manhthu.info mboxw.info moodt.info adoboo.info pychel.info okenchin.info contebria.info sofulass.info ullese.info riendsco.info runxahmco.gq pointabs.gq taminol.info tourso.info coacoh.info yecconn.info lohav.info modei.info tauto.info reizh.info lotryo.info viales.info ements.info bromp.info stampu.info emukb.info ealsonfi.info eprivacya.info ismsagi.info omesicele.icu chdbianal.info backu.info cresewe.info ndcoveni.info proveyoua.info ristsic.info irancionb.info ovosh.info lahktiuer.info thadavlea.info onajea.info horsosel.info stquali.gq hoccro.gq yourca.us moturi.us gleaners.us arnacr.us eations.us optore.us cacticr.us eations.us smithe.us uopcard.us maryssad.us moesign.us latortug.us abilin.us nague.us turtles.us travels.us benaras.us ipalace.us iamheal.us ogwithin.us intevents.us cedexte.us arteepr.us esente.us klakina.us ahlustore.us bireland.us jamesebe.us moling.us cardcoun.us mootings.us thespa.us messo.us myrcons.us truction.us therichp.us moorint.us fellstra.us ilrace.us jestjest.us agastory.us gelancha.us cottagen.us bricio.us muulina.us veref.us mourn.us iofk.info aviajes.info myfah.info mypha.info nginside.info kuatc.info luhana.info luzde.info manhthu.info mboxw.info moodt.info adoboo.info pychel.info okenchin.info contebria.info sofulass.info ullese.info riendsco.info runxahmco.gq pointabs.gq taminol.info tourso.info coacoh.info yecconn.info lohav.info modei.info tauto.info reizh.info lotryo.info viales.info ements.info bromp.info stampu.info emukb.info ealsonfi.info eprivacya.info ismsagi.info omesicele.icu chdbianal.info backu.info cresewe.info ndcoveni.info proveyoua.info ristsic.info irancionb.info ovosh.info lahktiuer.info thadavlea.info onajea.info horsosel.info stquali.gq hoccro.gq yourca.us moturi.us gleaners.us arnacr.us eations.us optore.us cacticr.us eations.us smithe.us uopcard.us maryssad.us moesign.us latortug.us abilin.us nague.us turtles.us travels.us benaras.us ipalace.us iamheal.us ogwithin.us intevents.us cedexte.us arteepr.us esente.us klakina.us ahlustore.us bireland.us jamesebe.us moling.us cardcoun.us mootings.us thespa.us messo.us myrcons.us truction.us therichp.us moorint.us fellstra.us ilrace.us jestjest.us agastory.us gelancha.us cottagen.us bricio.us muulina.us veref.us mourn.us iofk.info aviajes.info myfah.info mypha.info nginside.info kuatc.info luhana.info luzde.info manhthu.info mboxw.info moodt.info adoboo.info pychel.info okenchin.info contebria.info sofulass.info ullese.info riendsco.info runxahmco.gq pointabs.gq taminol.info tourso.info coacoh.info yecconn.info lohav.info modei.info tauto.info reizh.info lotryo.info viales.info ements.info bromp.info stampu.info emukb.info ealsonfi.info eprivacya.info ismsagi.info omesicele.icu chdbianal.info backu.info cresewe.info ndcoveni.info proveyoua.info ristsic.info irancionb.info ovosh.info lahktiuer.info thadavlea.info onajea.info horsosel.info stquali.gq hoccro.gq yourca.us moturi.us gleaners.us arnacr.us eations.us optore.us cacticr.us eations.us smithe.us uopcard.us maryssad.us moesign.us latortug.us abilin.us nague.us turtles.us travels.us benaras.us ipalace.us iamheal.us ogwithin.us intevents.us cedexte.us arteepr.us esente.us klakina.us ahlustore.us bireland.us jamesebe.us moling.us cardcoun.us mootings.us thespa.us messo.us myrcons.us truction.us therichp.us moorint.us fellstra.us ilrace.us jestjest.us agastory.us gelancha.us cottagen.us bricio.us muulina.us veref.us mourn.us iofk.info aviajes.info myfah.info mypha.info nginside.info kuatc.info luhana.info luzde.info manhthu.info mboxw.info moodt.info adoboo.info pychel.info okenchin.info contebria.info sofulass.info ullese.info riendsco.info runxahmco.gq pointabs.gq taminol.info tourso.info coacoh.info yecconn.info lohav.info modei.info tauto.info reizh.info lotryo.info viales.info ements.info bromp.info stampu.info emukb.info ealsonfi.info eprivacya.info ismsagi.info omesicele.icu chdbianal.info backu.info cresewe.info ndcoveni.info proveyoua.info ristsic.info irancionb.info ovosh.info lahktiuer.info thadavlea.info onajea.info horsosel.info stquali.gq hoccro.gq yourca.us moturi.us gleaners.us arnacr.us eations.us optore.us cacticr.us eations.us smithe.us uopcard.us maryssad.us moesign.us latortug.us abilin.us nague.us turtles.us travels.us benaras.us ipalace.us iamheal.us ogwithin.us intevents.us cedexte.us arteepr.us esente.us klakina.us ahlustore.us bireland.us jamesebe.us moling.us cardcoun.us mootings.us thespa.us messo.us myrcons.us truction.us therichp.us moorint.us fellstra.us ilrace.us jestjest.us agastory.us gelancha.us cottagen.us bricio.us muulina.us veref.us mourn.us iofk.info aviajes.info myfah.info mypha.info nginside.info kuatc.info luhana.info luzde.info manhthu.info mboxw.info moodt.info adoboo.info pychel.info okenchin.info contebria.info 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iofk.info aviajes.info myfah.info mypha.info nginside.info kuatc.info luhana.info luzde.info manhthu.info mboxw.info moodt.info adoboo.info pychel.info okenchin.info contebria.info sofulass.info ullese.info riendsco.info runxahmco.gq pointabs.gq taminol.info tourso.info coacoh.info yecconn.info lohav.info modei.info tauto.info reizh.info lotryo.info viales.info ements.info bromp.info stampu.info emukb.info ealsonfi.info eprivacya.info ismsagi.info omesicele.icu chdbianal.info backu.info cresewe.info ndcoveni.info proveyoua.info ristsic.info irancionb.info ovosh.info lahktiuer.info thadavlea.info onajea.info horsosel.info stquali.gq hoccro.gq yourca.us moturi.us gleaners.us arnacr.us eations.us optore.us cacticr.us eations.us smithe.us uopcard.us maryssad.us moesign.us latortug.us abilin.us nague.us turtles.us travels.us benaras.us ipalace.us iamheal.us ogwithin.us intevents.us cedexte.us arteepr.us esente.us klakina.us ahlustore.us bireland.us jamesebe.us moling.us cardcoun.us mootings.us thespa.us messo.us myrcons.us truction.us therichp.us moorint.us fellstra.us ilrace.us jestjest.us agastory.us gelancha.us cottagen.us bricio.us muulina.us veref.us mourn.us iofk.info aviajes.info myfah.info mypha.info nginside.info kuatc.info luhana.info luzde.info manhthu.info mboxw.info moodt.info adoboo.info pychel.info okenchin.info contebria.info sofulass.info ullese.info riendsco.info runxahmco.gq pointabs.gq taminol.info tourso.info coacoh.info yecconn.info lohav.info modei.info tauto.info reizh.info lotryo.info viales.info ements.info bromp.info stampu.info emukb.info ealsonfi.info eprivacya.info ismsagi.info omesicele.icu chdbianal.info backu.info cresewe.info ndcoveni.info proveyoua.info ristsic.info irancionb.info ovosh.info lahktiuer.info thadavlea.info onajea.info horsosel.info stquali.gq hoccro.gq yourca.us moturi.us gleaners.us arnacr.us eations.us optore.us cacticr.us eations.us smithe.us uopcard.us maryssad.us moesign.us latortug.us abilin.us nague.us turtles.us travels.us benaras.us ipalace.us iamheal.us ogwithin.us intevents.us cedexte.us arteepr.us esente.us klakina.us ahlustore.us bireland.us jamesebe.us moling.us cardcoun.us mootings.us thespa.us messo.us myrcons.us truction.us therichp.us moorint.us fellstra.us ilrace.us jestjest.us agastory.us gelancha.us cottagen.us bricio.us muulina.us veref.us mourn.us iofk.info aviajes.info myfah.info mypha.info nginside.info kuatc.info luhana.info luzde.info manhthu.info mboxw.info moodt.info adoboo.info pychel.info okenchin.info contebria.info sofulass.info ullese.info riendsco.info runxahmco.gq pointabs.gq taminol.info tourso.info coacoh.info yecconn.info lohav.info modei.info tauto.info reizh.info lotryo.info viales.info ements.info bromp.info stampu.info emukb.info ealsonfi.info eprivacya.info ismsagi.info omesicele.icu chdbianal.info backu.info cresewe.info ndcoveni.info proveyoua.info ristsic.info irancionb.info ovosh.info lahktiuer.info thadavlea.info onajea.info horsosel.info stquali.gq hoccro.gq yourca.us moturi.us gleaners.us arnacr.us eations.us optore.us cacticr.us eations.us smithe.us uopcard.us maryssad.us moesign.us latortug.us abilin.us nague.us turtles.us travels.us benaras.us ipalace.us iamheal.us ogwithin.us intevents.us cedexte.us arteepr.us esente.us klakina.us ahlustore.us bireland.us jamesebe.us moling.us cardcoun.us mootings.us thespa.us messo.us myrcons.us truction.us therichp.us moorint.us fellstra.us ilrace.us jestjest.us agastory.us gelancha.us cottagen.us bricio.us muulina.us veref.us mourn.us iofk.info aviajes.info myfah.info mypha.info nginside.info kuatc.info luhana.info luzde.info manhthu.info mboxw.info moodt.info adoboo.info pychel.info okenchin.info contebria.info sofulass.info ullese.info riendsco.info runxahmco.gq pointabs.gq taminol.info tourso.info coacoh.info yecconn.info lohav.info modei.info tauto.info reizh.info lotryo.info viales.info ements.info bromp.info stampu.info emukb.info ealsonfi.info eprivacya.info ismsagi.info omesicele.icu chdbianal.info backu.info cresewe.info ndcoveni.info proveyoua.info ristsic.info irancionb.info ovosh.info lahktiuer.info thadavlea.info onajea.info horsosel.info stquali.gq hoccro.gq yourca.us moturi.us gleaners.us arnacr.us eations.us optore.us cacticr.us eations.us smithe.us uopcard.us maryssad.us moesign.us latortug.us abilin.us nague.us turtles.us travels.us benaras.us ipalace.us iamheal.us ogwithin.us intevents.us cedexte.us arteepr.us esente.us klakina.us ahlustore.us bireland.us jamesebe.us moling.us cardcoun.us mootings.us thespa.us messo.us myrcons.us truction.us therichp.us moorint.us fellstra.us ilrace.us jestjest.us agastory.us gelancha.us cottagen.us bricio.us muulina.us veref.us mourn.us