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Market Microstructure Research in Thailand

2008-01-28T09:39:00.001Z

ตลาดหลักทรัพย์ฯ จับมือ ศศินทร์ฯ ทำโครงการ Market Microstructure Research ผลิตงานวิจัย

ตลาดหลักทรัพย์ฯ ร่วมกับศศินทร์ฯ จัดทำโครงการ Market Microstructure Research หวังส่งเสริม
ให้มีการวิจัยเกี่ยวกับโครงสร้างและกลไกการซื้อขายหลักทรัพย์ในตลาดทุนไทยเพิ่มมากขึ้น เพื่อพัฒนา
โครงสร้างตลาดทุนไทยในอนาคต

นางภัทรียา เบญจพลชัย กรรมการและผู้จัดการ ตลาดหลักทรัพย์แห่งประเทศไทย กล่าวภายหลังการลง
นามความร่วมมือในการจัดทำโครงการ Market Microstructure Research เพื่อตลาดทุนไทย กับสถาบัน
บัณฑิตบริหารธุรกิจ ศศินทร์แห่งจุฬาลงกรณ์มหาวิทยาลัย ในวันนี้ (15 ม.ค. 51) ว่า "ความร่วมมือในครั้งนี้ นับเป็น
ก้าวสำคัญที่จะทำให้เกิดผลงานวิจัยที่เกี่ยวกับโครงสร้างและกลไกการซื้อขายหลักทรัพย์ในตลาดทุนไทยเพิ่มมาก
ขึ้น โดยตลาดหลักทรัพย์ฯ จะเป็นผู้สนับสนุนข้อมูลการซื้อขายเชิงลึกให้แก่ทีมวิจัยของศศินทร์ โดยผลงานวิจัยที่
ได้จากความร่วมมือนี้ จะนำไปสู่ข้อเสนอแนะที่สำคัญและเป็นประโยชน์ต่อการนำไปกำหนดนโยบาย เพื่อการ
พัฒนาและยกระดับประสิทธิภาพของตลาดทุนไทย เพื่อการทำหน้าที่เสาหลักที่สำคัญของระบบเศรษฐกิจไทย
ต่อไป"

ศาสตราจารย์เติมศักดิ์ กฤษณามระ ผู้อำนวยการสถาบันบัณฑิตบริหารธุรกิจ ศศินทร์แห่งจุฬาลงกรณ์
มหาวิทยาลัย กล่าวว่า "เป็นเรื่องที่น่ายินดีที่ตลาดหลักทรัพย์ฯ เห็นความสำคัญของการนำผลงานวิจัยทางวิชา
การไปใช้ประกอบการพิจารณาในการกำหนดแนวทาง ข้อบังคับ กฎระเบียบต่างๆ ของตลาดทุน ด้วยศักยภาพของ
คณาจารย์ของศศินทร์ ประกอบกับข้อมูลที่ตลาดหลักทรัพย์ฯ ให้การสนับสนุนทำให้มั่นใจได้ว่าจะได้ผลงานวิจัย
ทางวิชาการที่มีคุณภาพสูง ซึ่งจะเป็นก้าวสำคัญที่นำไปสู่การพัฒนาตลาดทุนไทยอย่างมีทิศทางและยั่งยืน"

ทั้งนี้ ในประเทศที่ตลาดทุนพัฒนาแล้ว เช่น สหรัฐอเมริกา อังกฤษ เยอรมัน ฝรั่งเศส ญี่ปุ่น และสิงคโปร์ มีการ
ศึกษาด้าน Market Microstructure กันอย่างกว้างขวางและผลงานได้รับความสนใจเป็นอย่างมาก ซึ่งผลการ
วิจัยดังกล่าวในประเทศพัฒนาแล้วมีส่วนสำคัญในการวิเคราะห์ผลกระทบจากกฎระเบียบต่าง ๆ ของตลาดที่เปลี่ยน
แปลงไปว่ามีความเหมาะสมหรือไม่

โครงการ Market Microstructure Research เพื่อตลาดทุนไทย เป็นโครงการที่ตลาดหลักทรัพย์ฯ ประสานความ
ร่วมมือกับมหาวิทยาลัยรัฐและเอกชนที่สนใจจะผลิตงานวิจัยด้าน Market Microstructure ที่มีทีมนักวิจัยที่มีความ
รู้ความสามารถในด้านนี้ และมีความพร้อมในด้านสถานที่ อุปกรณ์ และซอฟต์แวร์ที่จำเป็น โดยตลาดหลัก
ทรัพย์ฯ จะให้การสนับสนุนด้านข้อมูลการซื้อขายเชิงลึก ซึ่งมีมหาวิทยาลัยหลายแห่งให้ความสนใจเข้าร่วม
โครงการ ได้แก่ คณะพาณิชยศาสตร์และการบัญชี จุฬาลงกรณ์มหาวิทยาลัย คณะพาณิชยศาสตร์และการบัญชี
มหาวิทยาลัยธรรมศาสตร์ และวิทยาลัยการจัดการ มหาวิทยาลัยมหิดล

สำหรับสถาบันการศึกษาที่สนใจหรือต้องการสอบถามข้อมูลรายละเอียดเพิ่มเติม ติดต่อได้ที่ฝ่ายพัฒนากลยุทธ์
สายงานวิจัยและข้อมูลสารสนเทศ ตลาดหลักทรัพย์ฯ โทรศัพท์ 0 2229 2167 - 8

How Credit Repair Works

2008-01-25T21:40:00.001Z

With personal debt at an all-time high, a number of individuals have found that they have overextended themselves and have become immersed in debt. As their debt grows, they can't help but get more and more behind… and their credit score pays the price. If you are one of the many who have had problems with your credit in the past (or still have problems with it), you may be considering credit repair as a way to get back on track.

Before you sign up for a credit repair plan, you should make sure that you understand exactly what is involved in repairing your credit score… while there are a lot of credit repair agencies that are legitimate, there are also some that seek to prey on those who need help and perform services that are both immoral and illegal.

What Credit Repair Is

Obviously, the goal of credit repair is to improve your credit score and get you back on track financially after past credit problems. A variety of credit repair services exist, providing everything from credit counselling and debt negotiation to debt consolidation loans and budgeting advice.

When used properly, credit repair services can not only help you to get caught up with your bills and on the path to a better credit score but they can help you to avoid bankruptcy and set you up to avoid credit problems in the future.

Credit repair takes time, however, and should never be viewed as a “quick fix” for your credit.

If an offer claims that they can instantly grant you new credit, then it's likely not only bogus but can also get you into legal trouble if you accept it.

Common Types of Credit Repair

As mentioned above, credit repair can take several different forms. Credit counselling services provide assistance with the budgeting and repayment of your debts, and offer advice on simple ways to improve your credit without additional loans. They also often provide debt negotiation, which is the working out of a settlement with your creditors so that you only have to repay a portion of your original debt within a certain timeframe.

Debt consolidation loans are also used for the purposes of credit repair, allowing you to take out a loan in order to pay off outstanding debts and leaving you with a single monthly loan payment instead of several different payments.

Budgeting assistance services are also available to help you get control of your spending and personal finances.

Avoiding Credit Repair Scams

Unfortunately, there will always be unsavory individuals who seek to make money off of those who are in need of assistance.

Any credit repair service that promises instant results or that offers to simply create a new credit report for you should be avoided… what they're really creating is a business tax identification number, and any individual who uses one is in danger of being charged with fraud and possibly other charges.

Credit repair takes time; if an offer sounds too good to be true, then it likely is.

Repairing Your Own Credit

Of course, by paying off old debts and establishing and maintaining new lines of credit you can begin the process of credit repair yourself.

Request a copy of your credit report and check it for errors, and then focus on clearing the debts that appear as negative reports.

It may take years for all of the negative reports to expire, but by preventing new ones while increasing your positive reports your credit score will slowly rise on its own.

Trading Currency Through Online Forex Brokers

2008-01-25T21:39:00.002Z

Access to foreign exchange (forex), the most extensive market on the planet, is generally through an intermediary known as a forex broker. Similar to a stock broker, these agents can also provide advice on forex trading strategies. This advice to clients often extends to technical analysis and research approaches designed to improve client forex trading performance.

Financial institutions are generally the most influential in the forex market through high-volume, large-value forex currency transactions. Historically, banks enjoyed monopolistic access to the forex markets, but through the Internet, any forex speculator can also enjoy 24 hour access to the market via a forex broker.

Secure web connections today allow many forex traders to work from home, where ready access to news and other technical advice informs decisions on what forex positions to take. Similar moves are being made by stock brokers, who are also moving out of banks and other traditional institutions.

Your needs in the market will influence your choice of forex broker. Online forex brokerage firms, known as houses, provide those new to the forex market with detailed research, advice and simulators to learn how to use their forex trading tools. The experienced online forex trader is catered to by other broking houses, with in-depth advice, but less focus on forex trading instruction based on the assumption that you are familiar with the forex market. To make an informed choice, it is advisable to trial several differing online forex broking houses and their trading tools to find the best fit for your needs.

Get Viral!

2008-01-25T21:39:00.001Z

Hey, using eBooks, eReports and eCourses is a fantastic way
to build a list.

You can use these things as an "incentive" for joining your
affiliate program, as a "thank you" for visiting your site,
a "bonus" when someone purchases a product/service from
you. The possibilities are endless!!

Many eBusiness people use them, however, some are making
TWO HUGE MISTAKES when they do use them. Here is
what they do...

1. They upload these things to their site and publish the
download link WITHOUT capturing an email address and
name.

The WHOLE POINT of using this "stuff" is to build a list.
YOU CAN'T MARKET TO A GHOST!!! Instead of uploading
your items to your server and just publishing the download
link, work smarter... Set yourself up with a mini-site where
you can direct people to and for the PRICE of their email
address and name, they can have the download link sent
to them.

NOW you have a warm body to market to AND you know
what they are interested in.

2. They don't take advantage of customizing eBooks, etc
with THEIR OWN links.

You want your marketing efforts to pay off for YOU. If
you are giving away an eBook with someone else's links in
it then all your marketing is paying off for the person
whose links are inside. WHY ARE YOU DOING THAT??

There are tons of people out there falling into that trap.
However, right now YOU'RE my concern. If they want
to not bother spending a little extra and purchase a
customization license that's their downfall. Actually,
we want those people because if they distribute our
eBook with our links inside, great...they are marketing
for us.

But YOU..no, no, no my friend. You are into working
smarter...not harder. So ensure that if there is a
customization license and if you can afford it, then
upgrade to it. Get your links, site name, url and in
some cases ads in the books, courses and reports
you are giving away.

THEN encourage those who do request your reports,
etc to give them away to their networks, downlines and
associates. Your links and info are laced within and
when people open it they see YOU and THAT'S WHAT
YOU WANT ;o)

Here are two products which have customization licenses
available, which won't break the bank.

1. "How To Turn A Simple Sign Up Process Into An...
Unstoppable Income Stream." (eBook)
http://www.profitspace.com/book.html

2. "How To Guarantee eBusiness Success" (eCourse)
http://www.profitspace.com/success/cust.html

A "mini-site" is included so all you have to do is paste in
your autoresponder address or web form and you are good
to go.

Viral marketing is the most cost effective marketing tool
we have. An eBook or eCourse laced with your links inside
can end up in more places than you could dream possible,
and of course reach on your own.

Use viral marketing to its FULLEST and get it pulling for
you and your ebusiness ;o)

About the author:
Denise Ryder is a Marketing Coach writing from her home
office in Northern Ontario (Canada). Imagine What You
Could Accomplish With a Marketing Coach in Your Back
Pocket! Take the test drive
http://www.profitspace.com/coach

Web Hosting Basics

2008-01-25T21:38:00.003Z

If you have decided you or your company is in need of a website, you will have to purchase web hosting services from a hosting company. There are many different web-hosting companies to choose from, and they can easily be found on the internet. If you do a quick search for them in any search engine, you will find that there are almost too many to count. Choosing the company that is right for you can be a harrowing experience, but there are really only a few basic things to consider.

The first factor to consider when choosing a web hosting company is how much space they will give you for your account. If you merely want a single page on the Internet with little or no graphics, you can get by with purchasing an account with the smallest amount of space available. However, if you are planning to create a full e-commerce site with multiple pages and order forms, you will need to make sure you have enough server space to support your entire operation.

Before you sign your web-hosting contract, you will first have to choose and purchase a domain name. Though many of the names you might want are already taken, you can often find one that suits your needs, especially if you get creative with it. For instance, if your business is called Cards For You and that domain name is already taken, you might consider choosing More Cards For You or Cards For You Today. The possibilities are endless, and with a little thought you will be able to think of a snappy domain name.

You can often purchase a domain name through your web hosting company, or you can purchase it through a private domain name retailer. These companies are very easy to find. Often times, if you type the domain name you want into a search engine, a domain name seller will pop up if the name is not already taken. You can purchase a domain name for a year at a time, or for several years, depending on how much you want to invest at the get-go.

Once you have a domain name, you will of course have to create a website to put on the Internet. There are many do-it-yourself web design programs that are fairly user friendly. Software like FrontPage makes web design a cut and paste, fill in the blank soft of affair. However, if you would like a more professional look, you can use programs like Dreamweaver or Image Ready to make your sites. There are always freelance web designers looking for work who are ready to take on your cause if you are not savvy enough to do it yourself.

Web hosting companies give passwords to allow you access your space on their servers. You can upload files and pages using their own interface programs, or you can utilize the upload tools built in to your web design program. Once you upload a page, it is important to make sure it looks correct on a variety of different web browsers. Because each browser interprets information differently, you may run into trouble if you build a site while only previewing it in Internet Explorer. There are often compatibility issues between Safari and Mozilla browsers that distort site tables and images.

However, once you work out the kinks and create an excellent site, all you have to do is pay your web hosting bills, and your site will be available for the whole world to see. Web hosting companies usually offer options regarding payment plans. You can pay for a year at a time, or you can monthly or quarterly to maintain your place on the World Wide Web.

About the author:
Sintilia Miecevole has many years experience on the internet. Be sure to visit http://www.ritzyhosting.comfor expert information on hosting, providers, host finders, resources, reviews, reliability and much more. To find the right web hosting plan to meet your business and ecommerce needs click on http://www.ritzyhosting.com

The ClickBank E-Commerce Solution

2008-01-25T21:38:00.001Z

ClickBank.com can offer you multiple solutions for your e-commerce business. Here are some of the advantages of using ClickBank.

1. Accept Credit Cards Without a Merchant Account

If your product is downloadable (such as electronic books or software), ClickBank may be an excellent solution for you. For a $49.95 initial fee, you can process credit cards and on-line cheques for $1.00 per transaction plus 7.5% of sales.

2. Start Your Own Affiliate Program

With ClickBank, you have your own built-in affiliate program. You decide what commission (from 1% to 75%) you would like to pay your affiliates.

To learn more about ClickBank.com, visit http://www.yenommarketinginc.com/buy/clickbank.html

3. Receive Free Advertising

You receive additional exposure through free listing on the ClickBank website and through the search facilities of other websites, such as CBMall.com.

To learn more about CBMall.com, visit http://www.yenommarketinginc.com/buy/cbmall.html

4. Obtain Referral Commissions

Even without applying for ClickBank credit card processing, you can earn referral commissions on thousands of ClickBank Marketplace products.

To learn more about ClickBank Marketplace, visit http://www.yenommarketinginc.com/buy/clickbank-marketplace.html

5. Eliminate Sales Tax Problems

Are you registered for Value Added Tax (VAT) for online transactions for European Union (EU) countries since July 1, 2003?

Are you collecting the appropriate state or provincial sales taxes?

If you are a Canadian, are you aware of your obligation to collect Goods and Services Tax (G.S.T.) and Harmonized Sales Tax (H.S.T.) on Internet transactions?

Again, ClickBank may be your solution. ClickBank is registered for EU purposes and adds the appropriate VAT to each transaction.

As well, to deal with ClickBank, you must agree to sell your product to them. ClickBank then resells your product to their customers. Thus, ClickBank becomes the retailer responsible for collecting sales taxes -- not you. Obviously, ClickBank will not be subject to sales taxes in most jurisdictions.

Since ClickBank is located in the United States and can only sell or use the products it sells from there, it would appear that Canadian G.S.T. and H.S.T. would not be applicable to them.

Of course, this is not legal advice. To determine your liability for sales and similar taxes, consult your lawyer and accountant.

To read more about sales taxes on Internet transactions, visit http://www.yenommarketinginc.com/e-commerce-tax.html

Considering its many advantages, ClickBank may well be your e-commerce solution!

Resource Box: J. Stephen Pope, President of Pope Consulting Inc., http://www.popeconsultinginc.com/ has been helping clients to earn maximum business profits for over twenty-five years.

For valuable Work at Home Small Business Ideas, visit http://www.yenommarketinginc.com/

Why Whey Protein?

2008-01-25T21:37:00.002Z

With all of the recent negative press given to body supplements, it makes good sense to be cautions about using different nutritional supplements as a part of your body building efforts.

Whey protein has been lauded as a safe, natural and simple supplement. It's use has become popular for those genuinely interested in good health through physical fitness and body building.

The importance of adequate protein levels in the body cannot be ignored. Since protein is used up when exercising, body builders must prevent muscle deterioration by maintaining protein levels. Naturally, building additional muscle mass will also require adequate levels.

Whey protein is a substance that is drawn from milk. That's right, plain old cow's milk. Whey is known to be a byproduct of cheese and, until the recent discovery of its health qualities, was discarded. In fact, scientists now know that what was once considered junk is actually rich in the amino acids which help build muscles and promotes good health.

As we know, protein is found in other basic foods such as meat, vegetables and grains. But, thanks to the research that has been done, we now know that whey protein is accepted by the body better. As a result body builders and other athletes can usually expect better results from whey protein than from other sources of protein.

This high quality and natural product is also useful for other people who may be on special diets, whether they are for weight loss, food allergies, or even for diabetics. Remember, high quality protein is essential for optimum health...not just for body building. Use of whey protein can help others heal quicker and recover from illness quicker.

As always, be sure to check with your health professional before implementing whey protein or making any other changes in your diet or routines. Like anything else, too much of a good thing can be harmful, so be sure to use it in moderation.

About the author:
Sandy Knoll, author, is a relative newcomer to bodybuilding but has some knowledge about nutrition.
She operates http://www.findbodybuilding.comwhich is devoted to bodybuilding and body bulding resources. Visit http://www.findbodybuilding.comoften.

Herbal Formula Replaces Conventional Medicine For Diabetics

2008-01-25T21:37:00.001Z

Diabetes has afflicted my life physically, emotionally and spiritually for the last sixteen years of my life. My wife of twelve years and daughter has had to live with an abnormal functioning husband and father. As the years went by as a diabetic, it became more and more difficult to control my blood sugar levels. My diet had to consist of a lot of calories because I have a fast metabolism and twenty pounds underweight. The increasing periods of uncontrolled blood sugar interfered with my thought processes at work and especially with my family.

The most detrimental effect of high blood sugar happened when I had to be hospitalized during the birth of my only daughter. My wife was hurt because it appeared that I purposely used the excuse of diabetes to not want to be with her for my daughter’s birth. It seemed I could never get close to anyone because I was living in a world of dysfunctional blood sugar all the time. I woke up in the morning with high blood sugar and grouchy. During the day it was a guessing game to keep my blood sugar at a normal level. I was always just getting by with life and never fully enjoying anything, not even a close relationship with God.

As the years went by, I became desperate and would buy a lot of products to help me try to manage my disease with no results. I could not afford health insurance and Doctor’s visits. This would always get me into trouble with my wife because we would fight about me not trusting God for the answer and wasting money. The people that would sell me products were out to take my money and take up too much of my personal time which took me away from my family.

One late evening after work, I vented my frustrations on a forum for diabetics. A response came back from Dr. Joseph Khoo from Singapore. Dr. Khoo approached me as a brother in Christ and offered me an herbal formula called Combetic on the honor system. I began taking Combetic with Dr. Khoo calling me on the phone everyday to make sure I was safely controlling my blood sugar. Having a new friend caring about me meant more to me than the remedy of my condition. After three days on Combetic, we had results and my hope grew by each passing week. I continued to decrease my insulin and I became an easier husband and father to live with. I could think better and I felt as though a fog had lifted off of me. My wife and I thanked God she had a husband to love. Dr. Khoo needed distributors for Combetic so we agreed to help as a team. Dr. Khoo visited us a few months later and we formed a corporation to market Combetic called Third Day Resources. We are now a growing team to help diabetics get freedom from the imprisonment diabetes causes. Diabetics can now go to: http://www.thirddayresources.com to get informed about diabetes and order Combetic. Dr. Khoo and professional staff offers free consultation in order to provide safe effective advice for every diabetic needing freedom from the “prison” of high blood sugar so they can get back to their lives and their families.

Diabetes

2008-01-25T21:35:00.002Z

is a disease affecting the manner in which the body handles digested carbohydrates. If neglected, diabetes can cause extremely severe health complications, ranging from blindness to kidney failure.

Around eight percent of the population in the United States has diabetes. This means that around sixteen million people have been diagnosed with the disease, based only on national statistics. The American Diabetes Association estimates that diabetes accounts for 178,000 deaths, as well as 54,000 amputees, and 12,000-24,000 cases of blindness annually. Blindness is twenty-five times even more common among diabetic patients in comparison with nondiabetics. If current trends continue, by the year 2010 complications of diabetes will exceed both heart disease and cancer as the leading cause of death in America.

Diabetics have a high level of blood glucose. Blood sugar level is regulated by insulin, a hormone secreted by the pancreas, which releases it in response to carbohydrate consumption. Insulin causes the cells of the body to absorb glucose from the blood. The glucose then serves as fuel for cellular functions.

Traditional diagnostic standards for diabetes have been fasting plasma glucose levels greater than 140 mg/dL on 2 occasions and plasma glucose greater than 200 mg/dL following a 75-gram glucose load. However, even more recently, the American Diabetes Association lowered the criteria for a diabetes diagnosis to fasting plasma glucose levels equal to or higher than 126 mg/dL. Fasting plasma levels outside the normal limit demand further testing, usually by repeating the fasting plasma glucose check and (if indicated) initiating an oral glucose tolerance test.

The many symptoms of diabetes include excessive urination, excessive thirst and hunger, sudden weight loss, blurred vision, delay in healing of wounds, dry and itchy skin, repeated infections, fatigue and headache. While suggestive of diabetes, these symptoms can also be caused by other factors, and therefore anyone with symptoms suspicious of the disease should be tested.

There are 2 different varieties of diabetes.
Type I Diabetes (juvenile diabetes, also known as insulin-dependent diabetes): The cause of type I diabetes starts with pancreatic inability to make insulin. This causes 5-10% of cases of diabetes. The pancreatic Islet of Langerhans cells, which secrete the hormone, are destroyed by the patient's own immune system, probably because it mistakes them for a virus. Viral infections are believed to be the trigger that sets off this auto-immune disease. Type I diabetes is most prevelant in the caucasian population and has a hereditary component.

If untreated, Type I or juvenile diabetes can lead to death within two to three months of the onset, as the cells of the body starve because they no longer receive the hormonal prompt to absorb glucose. While a great majority of Type I diabetics are young (hence the term Juvenile Diabetes), the condition can develop at any age. Autoimmune diabetes is diagnosed by an immunological assay which shows the presence of anti-insulin/anti-islet-cell antibodies.

Type II Diabetes (non insulin dependent diabetes, also known as adult onset diabetes): This diabetes is a consequence of body tissues becoming resistant to the effects of insulin. It accounts for 90-95% of cases. In many cases the pancreas is producing a plentiful amount of insulin, however the cells of the body have become unresponsive to its effect due to the chronically high level of the hormone. Finally the pancreas will exhaust its over-active secretion of the hormone, and insulin levels fall to beneath normal.

A tendency towards Type II diabetes is hereditary, although it is unlikely to develop in normal-weight individuals eating a low- or even moderate-carbohydrate diet. Obese, sedentary individuals who eat poor-quality diets built around refined starch, which constantly activates pancreatic insulin secretion, are prone to develop insulin resistance. Native peoples like North American Aboriginals, whose traditional diets never included refined starch and sugar until these items were introduced by Europeans, have very high rates of diabetes, five times the rate of caucasians. Blacks and hispanics are also at higher risk of the disease. Though Type II diabetes isn't as immediately disastrous as Type I, it can lead to health complications after many years and cause serious disability and shortened lifespan. As with Type I diabetes, the condition develops primarily in a certain age group, in this case patients over forty (which is why it's typically termed Adult Onset Diabetes); however, with the rise in childhood and teenage obesity, this condition is being seen for the first time in school children as well.

If treatment is neglected, both Type I and Type II diabetes can lead to life-threatening complications like kidney damage (nephropathy), heart disease, nerve damage (neuropathy), retinal damage and blindness(retinopathy), and hypoglycemia (drastic reduction in glucose levels). Diabetes damages blood vessels, especially smaller end-arteries, leading to very severe and premature atherosclerosis. Diabetics are prone to foot problems because neuropathy, which afflicts about ten percent of patients, causes their feet to lose sensation. Foot injuries, common in day-to-day living, go unnoticed, and these injuries cannot heal because of atherosclerotic blockage of the microscopic arteries in the foot. Gangrene and subsequent amputation of toes, feet or even legs is the result for many elderly patients with poorly-controlled diabetes. Usually these sequelae are seen sooner in Type I than Type II diabetes, because Type II patients have a small amount of their own insulin production left to buffer changes in blood sugar levels.

Type I diabetes is a severe disease and there is no known permanent cure for it. Nonetheless, the symptoms can be controlled by strict dietary monitering and insulin injections. Implanted pumps which release insulin immediately in response to changes in blood glucose are in the testing stages.

In theory, since it induced by diet, Type II diabetes should be preventable and manageable by dietary changes alone. However, as so often happens, clinical theory is defeated by human nature in this case, as many diabetics (and many obese people without diabetes) find it personally impossible to lose weight or even stick to a diet free of starchy, sugary junk food. So Type II diabetes is frequently treated with drugs which restore the body's response to its own insulin, and in a few cases injections of insulin.

Please note that this article isn't a subsitute for medical advice. If you suspect you have diabetes or even are in a high risk demographic group, please see your doctor.

Mobile SMS Basics

2008-01-25T21:35:00.001Z

Man is a social animal. This feature instigates him to develop sundry ways to communicate with his fellow beings. From pigeons to postmen, from small messages on bits of paper to lengthy love letters and telegrams…we have now have a smart and trouble-free method to interact with our friends living even in farthest corner of the world. This technique is of mobile SMS or the Short Messaging Service.

The Basics of SMS

In the age when science is dominating the world, SMS via our mobile phones is a boon of technology. We simply type a text message in the ‘write message’ section of our mobile. This message can be formal or informal. But every phone has a fixed limit of number of characters that can be written. For instance, some have it at 160, while others allow you to type 190 characters on a single page. Once through with writing, we send the message to its desired destination by entering the number of that individual’s cell phone. As soon as the message is delivered, it is signaled by a delivery report. The instant conveyance of message depends on the network of the company whose mobile connection we have.

The Merits of SMS

1. Cost effectiveness- the foremost wonderful aspect of text messaging is its inexpensiveness. While an international call made to say hello, exchange greetings or for any such reason will cost you several dollars, an SMS will do the same job in a significantly smaller amount.

2. Comfort- text message is perhaps the most convenient way to communicate. It enables you to chat with your friends and relatives anywhere anytime. The abbreviated coded text message language is pleasing and time saving.

3. Express your opinion- didn’t you vote via an SMS to your favorite singer in American Idol? SMS is an excellent way to state your choice in matters of public concern. SMS also gives us a chance to win numerous contests happening on TV.

4. Spontaneity- another remarkable feature of text messaging is the speed with which it connects us to people. SMS surpasses the oceans and seas and reaches its target in a few seconds. Text messages can be written and sent while you going to the office, sitting idle in a bus, waiting for a cab, having your meal or even watching television.

The Drawbacks of SMS

1. Text messaging can be addictive especially in case of children. Excess of messaging not only contributes to your cell phone’s monthly bill but it also results in lack of concentration in studies. Porn pictures and clips sent as SMS steer the budding minds in wrong direction.

2. Though SMS has an edge over making phone calls yet it might not serve us with the authentic situation of the person concerned. X might write of his being fine while he is unwell. Whereas speaking to someone over the phone, by and large makes you aware of his actual condition.

3. SMSes are liable to failure due to network problems and the like.

Choosing a Cell Phone

2008-01-25T21:34:00.001Z

Considering the innumerable varieties of cell phones in the market, it is quite a challenging task to choose the best one. However, the basic criterion of selecting the best cell phone is to be absolutely clear about what your needs are. The best cellular phone is the one that is absolutely right for you. And, of course, you can only have the best cellular phone when you pay for what you want.

Tons of offers are also available. There are free cellular telephone offers, prepaid cellular, digital, mobile, web enabled and many more. No one can tell you which cell phone is best for you because every one has different needs when it comes to their cellular telephone. Some people want absolutely basic features while others want a lot of totally fantastic features. Some need a cellular telephone for e-mail, faxing and surfing the Internet. Many people want it to be top of the line while others prefer simplicity.

The process of buying a cell phone is so confusing. There are simply so many different handsets, networks, deals and call costs to consider that buying the right phone for your usage and budget can be very difficult.

Here are a few tips to help you choose the best cell phone. First of all, decide how much you want to spend and be clear on the features you need. Remember that the more the features, the higher the cost.

Purchase a battery with a decent battery life and judge the mobile phone by the talk time it gives. The bare minimum should be 2 hours of maximum talk-time plus 90 hours of maximum standby time.

Shop and compare for pricing and service. These days, quality phones are very cheap. There is a proliferation of cell phone makers including Nokia, Motorola, Ericson, Siemens, Samsung, Sony, etc. More importantly, cellular plans have come down enormously in overall price with some caveats.

Some standard features include caller ID, phone book with fast dial, call waiting, voice mail and auto-answering. Some also have other added features like your first incoming minute free. The high-end cell phones will have voice-a ctivated dialing, SMS, 2-way paging, games, scheduling calendars, digital organizer and all the standard features. The main thing is to see what fits into your life style best and also to be sure when and if the features expire.

While making a cell phone and service plan decision, remember that everybody's needs are different. So what's good for your friend may not be the best choice for you. Your best bet would be to search online for websites with good cell phone comparisons in order to get a quality cell phone offer.

To make sure that your cell phone comparisons are complete look at Nokia cell phones, Ericsson cell phones, Sprint cell phones, Motorola cell phones and Samsung cell phones. Research the different free cell phone offers, prepaid cell phones and service plans from brand names like AT

Cell Phone Bugs

2008-01-25T21:33:00.000Z

by: Shawn Davis

There are a couple of different ways that cell phone bugs can be used. There are fairly inexpensive low-tech cell phone bugs, and there are more expensive and much more rewarding, devices that can be used to hear what you need to hear, but that others might try to keep from you.

The first category of cell phone bugs is not really a cell phone at all. It merely looks like a cell phone. It can receive calls, and it will call you automatically, but this phone is not meant to be carried with you. This bug is meant to be “forgotten” or “charging” at the home or office. It plugs into a splitter that shares a phone jack with a regular phone. When a call is made, you can listen in to both ends of the conversation by use of your bug. The bug will even call you when the subject places a call so that you can listen in.

One of the cell phone bugs that require you to take a more active role in listening is a cell phone that is equipped to pick up transmissions by cell phones around it. Cell phone calls are among the easiest to intercept, as the sound is carried on frequencies right through the air. All you have to do is be in the vicinity of your subject and then dial in to your cell phone bug. It looks as though you are talking on your cell phone, but really you are listening in on a conversation.

Finally, the most advanced of cell phone bugs let you listen in, even if you are on the other side of the country — or even the other side of the world. This type of bug works like a regular cell phone. Give it to your subject, and then you can listen in to what she or he is doing whenever you want. The phone has a standard number, that anyone can call, and a secret number that only you know. When you call the secret number, a microphone is activated and you can listen in, not only to conversations held on the phone, but also to what is going on in the same room as the cell phone.

These devices are innocuous and common. They look like what everyone today has and seems to need. You cannot go wrong when you get the information you need using cell phone bugs.

Accounting: Outside The Box

2008-01-25T21:32:00.001Z

by: Phillip A. Ross
Outside The Box

Thinking "outside the box" or as it is sometimes called, "coloring outside the lines" is a popular idea in the business world today. People and organizations are told to think outside the box or color outside the lines as a way to stimulate creativity when they need to solve problems like streamlining production, establishing a new product, or developing a new process. And it's true that creativity and innovation often arise from unexpected and unconventional thinking.

But there is a serious problem with trying to apply such thinking too broadly.

For instance, creativity is valued in art and advertising, but not in banking and accounting. An accounting firm recently ran an ad suggesting that it could think "outside the box." Do you really want your business to be associated with creative accounting? Aren't accountants supposed to put the numbers in the right box? Wasn't creative accounting a serious problem for Enron?

In reality, clear thinking and the creativity that it produces are rarely a matter of thinking outside the box. And coloring outside the lines is for the most part just sloppy workmanship. The art of clear thinking is a matter of putting thoughts in to the right boxes or categories. Clear thinking is a matter of mental organization. Conversely, sloppy thinking involves the confusion of categories, of putting ideas into the wrong boxes or not putting them in order at all. Is a child who will not straighten his or her room creative or just sloppy? There is a significant difference. While creativity sometimes looks sloppy to an outside observer, it does not issue from sloppiness.

Picasso was a creative artist.

But his creativity was not a matter of the art he produced. In reality his abstract work is technically sloppy. It looks like the work of a child. Picasso could sell his abstract art only because he had previously established himself as an artist who could color inside the lines very well. Had he not first proven his artistic talent in the traditional way, his abstract art would have been worth much less. He used his reputation as a traditional artist to establish a new direction in art. He didn't so much color outside the box, as he expanded the boundaries and definition of the box. But the point is that his abstract creations were valuable only because of his proven abilities in the traditional arts.

Contrast my own efforts to establish myself as an abstract artist. My art has gone unnoticed because I have not been able to prove myself as a traditional artist. Not that I actually tried to do so, but I am using myself as an example to make the point. The creativity of a novel idea requires the discipline of order and structure to be valuable. Picasso's art is valuable because he was an accomplished painter who intentionally colored outside the lines. My art is not valuable because I am not an accomplished painter and I accidentally color outside the lines. While the two products may look similar, the difference is critical.

Creativity is more than breaking the rules.

Similarly, Joseph Heller was able to break the rules of English grammar in his book, Something Happened (Scribner, 1974), only because he was intimately familiar with them. Having taught English at the University of South Carolina, he was a master of grammar. And only out of his expertise could he creatively exploit, expand and redefine the boundaries of grammar. And so it is with regard to thinking outside the box.

Thinking outside the box apart from being able to think inside the box is worthless.

Such thought is just plain sloppy. Thus, the suggestion that creativity lies in the ability to think outside the box is mostly nonsense. Creativity issues from talent, ability and discipline. Talent must be forged and shaped on the anvil of discipline in order to develop ability. Great ability is always the result of study, discipline and practice.

Creativity is more a matter of seeing that the boxes themselves are inadequate and suggesting a better arrangement or a better definition. Creativity doesn't simply discard the boxes, it redefines and/or rearranges them after becoming intimately familiar with them. Real creativity is always the fruit of discipline and order. Creativity, in order to be genuinely creative and not simply sloppy disorganization, must emerge out of discipline and order as an intentional effort.

While a creative idea often comes unbidden out of unexpected places, it requires discipline, study and order to make something of it. Apart from discipline and order, what passes for creativity is nonsense, and to suggest otherwise actually undermines and/or weakens the creative process.

What does this mean for our industry? Distributors and suppliers should apply themselves to mastering the basics before attempting to break the rules in the name of creativity. Don't start outside the box. First, establish your ability to think within the box. Master the rules before you suggest breaking them. For example, before a distributorship presents a wild, innovative concept to a client for a campaign, it should first establish its expertise with campaigns and/or ideas that have a track record of yielding good ROI. Designers, artists, and copy writers should establish their mastery of basics before experimenting outside the box. For the most part the important stuff is inside the box.

Accounting & Networking

2008-01-25T21:31:00.000Z

by: Brian K Grinonneau
Put join a group on your to do list with a big underline, star and happy face. You’ll be glad you did for more reasons than you can count. And the advice is coming from this confirmed non-networker who, in 20 years of business, considered networking a colossal waste of time. The old dog is here with a new trick.

Business networking groups bring together people who, most times, are self- employed, successful entrepreneurs or corporate folk paid truly paid for their efforts. (see commissioned salesperson) The types of businesses these networkers represent vary, but the commonality is they meet to share, learn and become better at their craft.

The networking meetings are held at times that are fairly convenient even for the most type A business owner. Early morning, mid-day or evening are the popular meeting times and all involve food of some type, contests, and sometimes cocktails.

There is a networking etiquette that is a mix of business sense and remembering what your mother taught you. Be nice. Smile. Be genuine. Don’t show up looking to dazzle everyone you meet with your slick sales pitch. To be sure, meet a lot of people, hand out a lot of cards, but give before taking. Listen more than you talk. Question more than you answer. Care about someone else and their plight.

What’s in it for me? That’s the common question in many business conversations. Here’s what you get by joining a networking group:

New contacts--what business can’t use more contacts? The fellow businesspersons you meet might be able to use your service. They also know lots of people and aren’t shy about recommending you.

You look like an expert to your customers. As you meet new professionals, you won’t hesitate to recommend them to your customers to handle tasks you don’t. Your stock will rise appreciably with your customer for being such a willing problem solver.

Education. The meetings always revolve around a guest speaker who will bring to you valuable information about topics ranging from accounting to law, sales to hiring an employee and much more.

Friendship. Everyone can use more friends. Imagine playing golf with those that share your passion.

Advice. Ask around and fellow networkers will be glad to dispense it for free and many have already faced the same situation you now have.

Find a local networking group and get involved. It will be one of the best decisions you ever made. Go ahead. Write it down. Your to do list is waiting.

About the author:
Brian Grinonneau is the general manager of McMann and Tate Advertising, an agency working exclusively with small business clients to help them cut through the clutter and stand out from the crowd.

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Accounting Police: Do They Exist?

2008-01-25T21:30:00.000Z

by: John Day

Who created accounting principles? Who sets and revises accounting standards? What if you don’t follow all the rules, do you go to jail? Is there an accounting police force that investigates and arrests violators? It would seem that there must be some regulatory force to make sure that providers of financial statements conform to the rules. There is, up to a point, and here is how it works:

Mainly, it’s all voluntary and it works pretty well. First, double-entry accounting originated in Italy in the 1400’s, so its been around awhile. Accounting principles have evolved over the years just as have accounting standards. The reason why the system works is that the business community could not function if there was not commonality and consistency in financial statement reporting. It would be chaos, much like if there were no driving rules of the road.

Therefore, in the United States, a body of experts known as the Financial Accounting Standards Board (FASB pronounced Fasbee) was established in 1973, which superseded another board called the Accounting Principles Board (APB). The FASB members go through a lengthy process of analyzing and reviewing problems in the accounting field that are brought to them. After much thought, they will make a pronouncement as to what they think the new or revised way of approaching the treatment of an accounting issue should be.

They are a non-governmental organization that has private financing. A big supporter of FASB is the American Institute of Certified Public Accountants (AICPA). Many Certified Public Accountants (CPAs) belong to this prestigious organization and are obligated to abide by its guidelines and principles of behavior. Other countries no doubt have similar organizations that require high levels of accounting professional conduct.

FASB established an accounting code called “Generally Accepted Accounting Principles” or (GAAP). The assumption is that if a business financial statement is prepared according to GAAP, then the user of that financial statement could rely on or trust the information more readily than if not prepared according to GAAP. Those businesses that deviate from GAAP, and many smaller businesses do, cannot say that their statements are prepared under GAAP; in fact, they should inform the reader that they are not. However, let the buyer beware.

One governmental body that has a policing function is the Securities Exchange Commission (SEC). It is primarily concerned with public companies because their job is to protect investors from unscrupulous acts. Recently, the SEC has gotten into the act of establishing accounting standards. It has its hands full today.

Since most businesses use their financial statements to prepare their required income tax returns, the Internal Revenue Service (IRS) may audit those tax returns and review the financial statements upon which the tax returns are based. Not following the rules can get you in trouble with this governmental body.

You can see that in many ways compliance to the principles and standards is a mixture of voluntary and regulatory behavior. Currently, there is an effort underway to set international accounting standards due to the inexorable globalization process. This is a massive undertaking that will take years, but it is obviously necessary and inevitable.

Accounting Police: Do They Exist?

2008-01-25T21:29:00.000Z

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2008-01-24T22:00:00.000Z

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