The Strategic Use of Information Technology

July 1, 2017

TEACHER: Hello, Student. What do you know about Information Technology (IT)?

STUDENT: Well, I know that most software is full of “bugs”! By the way, why are these errors in programs called “bugs”?

TEACHER: Computer “bugs” have been around since malfunctions in a 1945 Mark II were blamed (facetiously) on a moth trapped in a relay. Nowadays the term refers to programming flaws -commands that don’t accomplish the desired result. But I am sure you must know more about IT than the fact that programs have bugs!

STUDENT: Recently I read an interesting article written by John Diebold years ago. Allow me to quote from it:

“Information technology . . . is becoming increasingly the key to national economic well being, affecting virtually every industry and service. One would be hard-pressed to name a business that does not depend on the effective use of information: to design products and services, to track and respond to market demands, or to make well-informed decisions. Information technology will change the world more permanently and more profoundly than any technology so far seen in the history and will bring about a transformation of civilization to match.”

TEACHER: Interesting. There is no doubt that information technology is currently a major force with the potential to affect a range of organizations in fundamental ways.

The impact of information technology on business operations has been enormous and will increase substantially.

There is no doubt that a shift from an industrial economy to an information oriented service economy is under way; and no one knows when the process will slow down.

In essence, scale and the conventional dimensions of time, space, and mass will no longer be constraints on the products of the information age. Unlike the standardized product created for the mass market of the industrial age, the electronic delivery of banking services, for example, is scale-independent and intangible, provides instantaneous service, and is not bound by the physical location of the bank.

STUDENT: AmbaiU’s online courses are a good example! Students from all over the world can instantly access the courseware. The dramatic growth of the Internet’s WWW service has Uncategorizedly been an important factor in the growth of IT in general.

TEACHER: True indeed. Environmental trends like globalization and heightened international competition are speeding the movement toward increased IT use by corporations. The exigencies of worldwide coordination of operations and the need to react rapidly to global competitive threats have emphasized the importance of IT in the current business context. Dramatic technological developments in hardware, software, databases, and telecommunications have simultaneously pushed the utilization of IT further along.

STUDENT: So, is the sky the limit for IT?

TEACHER: Not exactly. At the same time, several factors are militating against the rapid deployment of IT. Among these are the still-slow development of appropriate software, long-standing difficulties in quantifying IT benefits (for justifying IT investment), issues of database integration, and the lack of standards (for the purposes of inter-organizational connectivity).

STUDENT: I also think that there was “over-investment” in IT in the last decade of the 20th. century and even at the beginning of the 21st. And what about IT and Strategic Management?

TEACHER. True, we are primarily concerned with the likely impact of information technologies on the practice of strategic management. The reason for adopting such a perspective reflects a fundamental belief that information technologies can potentially influence the core of a firms activities: Choices pertaining to products, markets, and technologies (the corporate strategy level), as well as competitive methods within each of the product-market segments (the business strategy level).

STUDENT: I assume this is why the role of information technology is becoming broader than that of the traditional Information Systems (IS) function, and is becoming a general management concern and challenge.

TEACHER: Good observation. We will consider three linkages that interconnect three important concepts -strategic management (SM), information technology (IT), and the management information systems (IS) function.

* Link 1: Management Information Systems with Information Technology

According to the traditional view, IS is a service function (just as accounting, human resources, or industrial relations) which is charged with the task of efficient data processing and administration of the management reporting and control systems. According to such views, systems are designed to cater to the informational requirements of different managerial roles and are identified using standard informational requirements assessment methodologies. In consequence, systems are evaluated using criteria such as timeliness, format quality, and reliability, reflecting the technical capability of the system. The implication is that the role of IT was conceived largely as the technical core of the MIS function.

Consequently, the important characteristics of this linkage were hardware and software support for the information architecture, and flexibility of design to support minor modifications in the information requirements or to respond to the fast-changing technical core of the system’s hardware.

The strategic planning level, by virtue of its unstructured nature of decision making, received minimal support from the traditional conceptualizations and role definitions of IS.

Link 2: Strategic Management with Information Systems

The description of Link 1 reflects a view that the charter of the IS function was derived directly from the informational resource assessment and had no explicit linkages with strategic choices at the corporate and business levels. This view was representative of the actual situation until the late 1960s and early 1970s, when the need to tailor the design of MIS to the requirements of the organizational strategic context gained currency. In 1968, McKinsey & Co. published a report titled Unlocking the Computer’s Profit Potential that called for a formal link between the design and implementation of MIS and the firms strategies and objectives. This publication urged managers to visualize the role of computers in business organizations as something beyond a data processing resource at the operational level of the organization and more as a mechanism that supports their strategy.

STUDENT: Even before that McKinsey report, William King proposed that the “IS-strategy set (composed of IS objectives, IS constraints, and IS design strategies) should be derived from the “organization’s strategy set” (composed of organizational mission, objectives, and strategies).

TEACHER: You are a well read student, indeed!

STUDENT: You might remember that I come from an “IT family.” And I keep hearing a complaint from my IT relatives: while there is concern within the MIS discipline to ensure that MIS is designed in accordance with the strategic contexts of the firm, the link in the other direction, from the corporate strategic context to MIS, is still largely ignored.

TEACHER: True, but this is changing rapidly. Also, several authors have called attention to the possibility of exploiting information and information systems for strategic advantages. As William King noted in an editorial comment in the Management Information Systems Quarterly,— Information (and IS) has the potential to be a primary source of (competitive) advantage in the marketplace rather than merely as a resource to be efficiently managed or a service that is periodically turned on and off as needed.

STUDENT: Can we then assume that many see the link between strategic management and IS today as a bi-directional, mutually interconnected link, implying a strategic role for the IS function?

TEACHER: Certainly, and it was about time. In a transition towar
d a strategic role, the goals and tasks of the management information systems function undergo an important transformation. The systems are no longer viewed in terms of informational support for operational decisions, but rather in terms of the realization of the organization’s strategic objectives, especially the achievement of competitive superiority in the marketplace.

Information systems with a charter to achieve competitive superiority are called “strategic information systems” and differentiated from the more operationally focused MIS. Indeed, MIS has been traditionally concerned with the operational control systems for relatively structured decisions based on readily available, internal data. In contrast, strategic information systems are designed to support relatively unstructured decisions, especially those that are intricately tied to the activities of the market-place.

STUDENT: I hear that usually such decisions require a combination of internal and external data that: are neither well structured nor completely specified.

TEACHER: Exactly. Although a perfect demarcation between management information systems and strategic information systems cannot always be made, the conceptual distinction is important enough to be recognized just as the conceptual distinction between strategic and operational decisions.

Let me mention some examples of strategic information systems operating at real companies:

American Airlines : SABRE reservation System -installed in most travel agents for booking airline, hotel, and rental car reservations.

American Hospital Supply Co.: ASAP-order entry system-installed in over 4500 medical establishments to order supplies on-line. The system is internally interconnected to several supporting systems

Citicorp Extensive use of automated teller machines and global transaction network. Several systems that support their strategies for electronic banking services.

McKesson Corp. Economost -order entry system that supports customers with inventory control and analysis of sales.

United Airlines APOLLO-Travel agency reservation system with several augmented services installed in about 7700 agencies.

Student, can you think of specific strategic objectives any of these companies have achieved through IS?

STUDENT: Well, I am sure that SABRE provides American Airlines with critical operating data that can be used for strategic decisions; travel agents hooked on to SABRE are likely to book on American more than other airlines.

TEACHER: Yes, some much so that the US government has stepped in and put some limit’s on SABRE’s propensity to favor AA!

Strategic information systems achieve their objectives through several mechanisms, but two deserve special attention. These are: (1) the reconfiguration of the information flows within an organization to provide competitive advantages relative to competition, and/or (2) development of inter-organizational systems that extend beyond the traditional boundaries of a single focal organization.

STUDENT: Are these modes are mutually exclusive?

TEACHER: No, but we will discuss them independently.

Reconfiguration of Information Flows

Let us consider the case of an airline that uses timely data to increase its load factor -perhaps the single most critical factor for achieving success in the airline industry. By developing a strategic information system designed not only to continually collect data on flight bookings, but also to compare current sales against historical patterns, the airline can instruct its own ticketing agents (as well as travel agents) to modify the number of discount seats available on a particular flight depending on the current level of advance bookings.

STUDENT: By the same token, I guess that similar benefits can accrue to a hotel, where a key determinant of competitive performance is the occupancy ratio.

TEACHER: Correct. And the basic notion of timeliness of information can be extended from the context of the service sector to the manufacturing sector. Consider the case of an oil company which is able to communicate with its dealers directly and instantaneously as oil prices change to ensure minimum delay between the setting of prices in the headquarters and its realization at retail outlets.

STUDENT: But in these illustrations IT does not influence the fundamental strategic business choices.

TEACHER. Correct. However, the implementation of such decisions through organizational hierarchy and channels is facilitated through the use of IT, leading to improved strategic results.

Inter-organizational Systems Inter-organizational IT applications highlight the potential to achieve competitive success that extends beyond intra-organizational informational flows to the deploying and exploiting of information-based links with diverse actors in the marketplace.

STUDENT: Your are using rather complicated phrases today! In simple terms, what you mean is that an inter-organizational strategic information system is a system that extends beyond the boundaries of a single focal organization to link multiple organizations.

TEACHER: Glad to see that you understood! The potential todevelop such links (and the consequent benefits to achieve competitive advantage) is perhaps the single most important reason for the, increased attention to informational systems from a strategic management point of view.

The railroad industry, which has one of the highest levels of “penetration” of electronic data interchange (EDI) among all industries, displays several levels of inter-organizational systems use. And relatively new industries such as couriers (FedEx, UPS, etc.) are good examples too.

Let me also mention the McKesson Drug Company. The case of McKesson is frequently quoted as one of the most successful examples of business transformation using information technology capabilities. McKesson is a US national pharmaceutical distributor that receives close to 100 percent of its orders electronically from drugstores through its Economost systems. A customer orders by making a single pass through the store with a hand-held order entry device, keying in a product identifier or using a bar code scanner. Reorder quantities are indicated on shelf tags. When the complete order has been entered, it is transmitted to the data processing service.

McKesson clearly achieved operational efficiency benefits to improve its profitability. Although the company apparently did not gain share relative to its major distributor competition, it achieved significant strategic benefits in sales and market share gains relative to its larger competition. The system also achieved “increased tying of the customer to McKesson” which is a substantial strategic advantage. Moreover, McKesson offers a number of other services based on the data it obtains from the order entry system.

The company also provides other firms in the health care business with specialized strategic systems. The following announcement is a good example:

In May 2003, McKesson Corporation announced that LibertyHealth in Jersey City, N.J., signed an eight-year, $47 million agreement for products and services designed to transform the use of clinical information to support patient care in its three-hospital system. LibertyHealth contracted for McKesson’s Horizon Clinicals(TM) suite (of programs) to enhance patient safety, reduce medication errors and increase patient referrals by providing physicians and other caregivers with better access to information.

“We have a once-in-a-lifetime opportunity to reinvent the use of IT to support patient care and enhance quality as we open our new hospital,” said Dr. Jonathan Metsch, LibertyHealth’s president and chief executive officer. “To create the best environment of care, it’s a given that we must provide the latest medical equipment. But, just as importantly, we must provide the most advanced clinical IT solutions to support our 900 doctors and nurses as they provide healthcare for this community of 600,000 people. That’s why we’ve
partnered with McKesson — we get superb, advanced clinical applications.”

Link 3: Strategic Management with Information Technology

Over the last years, several new and powerful forces in the technological and market environment compel one to recognize the link between strategic management and information technology in terms of the fundamental role played by IT in influencing the formulation of a firm’s strategy rather than merely supporting its implementation.

The potential for innovative modes of competing as well as new products and services made possible through IT provides managers with an entirely different spectrum of opportunities and threats. Given the general explosion of computing power and communications capabilities (integrated voice and data, the Internet), several new business applications can be (and have been) developed in those areas that directly enhance efficiency and effectiveness in the market-place.

Example: Merrill Lynch Merrill Lynch’s strategy demonstrates the potential offered by information technologies to develop superior substitute products (or services) as well as altering the definition and domain of business operations. The introduction of Cash Management Account (CMA) by Merrill Lynch represented a revolution in terms of redefining the concept of financial services in a marketplace that was dominated by the traditional banking institutions. The new business concept was built around integrating diverse financial instruments under one common umbrella such that the individual investor is able to enjoy the convenience of moving money across them as well as benefit from the “float” that the banks traditionally enjoyed. This account permitted the integration of four basic services to investors: (1) automatic investment of cash and dividends in a money market account, (2) credit through a standard margin account, (3) cash withdrawal by check or debit card, and (4) investment advice in managing and diversifying the account.

The strategy could not be implemented without the use of information technology, for it requires daily swaps across different accounts to post the credit card charges, checks, securities, and deposits, as well as to develop a daily updated credit limit for each account holder. This complex data processing operation is not incidental to the business concept but is fundamental to its conceptualization and operation. The importance of IT in this strategy is perhaps best emphasized by the fact that Merrill Lynch obtained a patent for the cash management account system. The annual fees generated by this product for Merrill Lynch were quite substantial.

Although several variations (circurnventing the patent protection) of this basic concept have appeared in recent years, none has so far matched the success of Merrill Lynch’s product.

Other firms which have utilized IT to break down traditional industry borders in the services sector include Sears, now an integrated financial services provider; Citicorp, now an investment and realty firm as well as a bank; and American Express, always strong in the travel business, now making a play in international banking, insurance, and securities, in addition, to becoming a financial and information supermarket. Indeed, the entire industry is being transformed due to parallel but related forces: deregulation and technology.

Shopping For Used Clothing Accessories

July 10, 2017

We all know that accessories can make or break an outfit. Handbags, belts, shoes, scarves and more help to create a unique fashion statement for their wearers. Keeping up with the latest fashion trend can be expensive for shoppers. Accessories are a great option to create a fashion trend without changing your entire wardrobe each season. For affordable accessories, consider shopping in used clothing stores.

Millions of people donate and sell their unwanted accessories every year to charities, resale shops, consignment shops, flea markets and to online auction sites. A large quantity of used clothing and accessories that are available are barely used and some even have the original price tags on them. When you shop for used clothing accessories you will find quality pieces at affordable prices.

To start, browse your local physical stores by looking in the YellowPages, using your online search engine and asking your friends and family. Make a list of places that you would like to consider and then map out a plan to visit them. If you are looking for newer clothing accessories, consider visiting consignment shops first. Most items that you will find at a consignment shop are between 1-3 years old and you can expect up to a 50%-60% discount off of the retail price. If you are looking for a super bargain, start by searching thrift stores and flea markets. You may need to be willing to dig, but you will be sure to find some very nice, inexpensive items. Next, search your local resale shops as they offer a mix of old and new used clothing accessories and are generally a bit more organized than a flea market or a thrift store.

As you are shopping, be sure to also take an inventory of your current accessories and the items that you are looking to replace. As you are going through your closet, you will probably find unwanted clothes and accessories that you can even sell to generate funds to make some new accessories purchases. Be sure to take those items with you on your shopping trips.

When you are shopping on an online auction or consignment site, accessories are often sold in “Lots”. Lots are groupings of like items that are sold as a single unit. The advantages of lots are that you get a large selection in a single purchase, but the disadvantage is that you may not always know what you are getting. Single items that are more expensive are typically sold individually. Be sure to read the item descriptions carefully so that you know what you are getting and take into consideration what the shipping costs are going to be in your overall sales price. When you are making your online purchases, be sure to use a secure site and a reputable company to ensure your security and your privacy.

Shopping for used accessories online and in physical used clothing stores is a great way to build your wardrobe, to keep up with the trends and to find affordable items.

3 Quick Cash Loan Myths Exposed

June 12, 2017

If you are considering a Quick cash loan (payday loan, fast cash loan, payday advance etc…) to get you through a tough financial time, you may be making a smart decision. Despite the ridiculously high APR that loan providers charge, a payday loan is many times a lower cost option than paying fees stemming from bounced checks, credit card late fees, re-connect fees etc…

Here are 3 myths that are commonly and erroneously associated with a payday advance loan.

MYTH: Quick Cash Loan providers charge outrageous rates

TRUTH: You’ve got to compare. A payday loan is typically cheaper than other customer alternatives.

Here’s a scenario: Did you forget you didn’t have any cash in your checking account but bought stuff anyway with your debit card? Maybe you did that 4 times in one day.

It’s amazing how we can lose track of our finances, but we all do it..

Guess what…

Each occurrence just cost you $35 in NSF fees from your bank. Those 4 withdrawals of $10 just cost you $140 dollars in fees! Ouch! The cost of borrowing $100 from a payday cash loan provider is $15 – $20 per $100. The APR on this transaction is 391%, which seems sky high but compared to the overdraft fees at your bank it makes good sense.

The remedy here is if you know you’re going to be short of cash but need to use checks or debit card, weigh the costs. It may be better to set up a fast cash account and use it only when you know you’ll be potentially incurring late fees.

MYTH: Quick cash loans always create a spiral of debt for the customer

TRUTH:Most users are responsible borrowers and have no trouble managing the short payback period.

These loans are short term solutions and most borrowers realize the danger of being over extended. About 60% are one time users – meaning they don’t renew the loan or have to extend the payback period.

Studies have also revealed that:

66% of payday loan users utilize the service to cover only unexpected expenses

34% use payday advance loans for a planned expense

70% of fast cash loan users only use the service 1 time per month.

MYTH: Emergency loans prey on unsuspecting customers

TRUTH: There are solid laws in place to protect customers from being taken advantage of.

The overwhelming popularity of these loans as a discreet and dignified way to solve temporary cash flow problems speaks for itself.

70% utilize fast cash loans because of the convenience (fast, easiest…)

96% are fully aware of the charges they will incur. Most state they were quoted the fee as an APR. Most believe that quick cash loans are useful ( 92%) and only about 12% state they were dissatisfied with the service.

Also, 33 states and D.C. provide balanced, responsible regulation of payday advance companies.

Summary

Why not consider a quick cash loan when you know you are going to be short on cash and will face fines or fees? As a temporary solution you may save a lot of money despite the high APR. It’s easy to find a reputable quick payday loan provider (see links below) and set up and approval takes only minutes.

From Goose Farmer to Top Internet Marketer

June 29, 2017

I was asked the other day ‘What’ it has been that had allowed me to change in such a short period of time my life into better. I was asked what I was doing and which miracle had happened that I had more time and more money at the same time? I was asked if I had found something like an infinite income plan to make money online.

Well, I could have simply answered ‘yes’. But I felt like this was the right moment to going into depth and sharing what I had found and what the ‘secret’ was behind the scenes, behind my change and success: Darren Salkeld’s Infinite Income Plan and how i applied it to learn to earn cash from a top internet marketer and make money online myself – applying what I had learned and am still learning!

Make Money Online Secret Revealed: there was no secret, there is no secret. I wanted to learn to earn cash and simply researched for a real business opportunity online that would meet my criteria. I was blessed to meet Darren Salkeld on an international workshop, where he was presented as a top internet marketer. And this is exactly what Darren Salkeld is and where it all started for me.

The Infinite Income Plan is where Darren Salkeld has put together all his learnings and experience on how to learn to earn cash and make money online. Darren Salkeld put it all together in one place, in the Infinite Income Report.

So who is Darren Salkeld? Today Darren Salkeld stands synonymous for the Infinite Income Plan. Till a few years ago he was a hard working goose farmer and leader in his family business – with a small difference to so many others in his same position: he had a vision! Darren knew that there needed to be some way to learn to earn money and make money online. He went and researched each online marketer he could get hold of and each method he could try, he would do so.

Darren Salkeld today knows all the mechanisms to make money online as he knew how to learn to earn cash and talk with each successful internet marketer he could get hold of. Driven by his vision and solid principles and values that are key to making any income plan and marketing activity a vivid instrument to success, Darren Salkeld has decided to share his knowledge with you and me, with all of us. He even went a step further and created out of his personal instant income plan the infinite income plan which shows all of us a possibility to open our mind to new dimensions.

What attracted me most about the whole Infinite Income Plan, more than all the information on how to learn to earn cash and insights it gives, it is the fact that Darren Salkeld does not talk about tools and techniques only, as many internet marketers do. Darren highlights the importance of our values and believes, of our vision and wish to achieve.

A fast track to learn to earn cash and make money online is part of Darren’s Infinite Income Plan as well as motivational messages and clear guidance on all areas, apart from the pure business aspects, that are all part of our personal success stories.

You can have a list, the famous winning list of people online each internet marketer needs and wants. But it will be of no value if all these people will have no confidence in you. Only the moment that they will trust you, that they will feel that you care for them and about them, only then you will be really able to call your list a winning list! And this is exactly the secret formula that great online marketer Darren Salkeld used and still uses with his Infinite Income Plan.

Do You Fear a Bathroom Remodel?

July 11, 2017

So You Want to Remodel Your Bathroom

An increasing number of people find that they can remodel their bathrooms to create the perfect place in which they can relax, refresh, rejuvenate and/or have a romantic time. A bathroom redo can be an inexpensive and fun way to spruce up your entire house. So, what you need are some tips for remodeling your bathroom.

When you decide to begin a bathroom remodeling project, it is quickest to organize your goals before shopping for materials. Choose what items you want to replace, add, or take away from the bath area. Consider refinishing existing items such as bathtub, shower, sinks and toilet, or renewing the tiles or tub and shower enclosure to give a new look to your bathroom even with just a little investment. The bathroom is one of the most used areas of the house, so you want to be sure that you have it remodeled in such a way that it will last for a long time. Remodeling is extremely exciting because it means you are getting to create the ambiance you have always wanted in one of your favorite places: the bathroom.

Why Remodel If You Can Decorate?

Perhaps you would like to redo the bathroom, but at the same time you would like to keep things uncomplicated. If it is time for a bathroom makeover, count yourself lucky when you see the number of wonderful current decorating ideas for the bathroom today. There is a huge amount you can do with simple decorative treatments that avoid a full remodel.

If you have a small bathroom, remodeling ideas should mostly revolve around freeing the space of clutter and making better use of the available space. Using shelves, taller cabinets, and other organizational items will help the room seem larger because everything has a place and there is nothing left to crowd the space. There are any number of cabinets available to fit over the toilet or along empty walls to maximize the available area, or cabinets can be hung on the wall to free up floor space.

Regardless of the size of your bathroom, it is important that you sort out the existing items in the bathroom and choose which items you want to keep and which items can now retire. Clearing out unimportant clutter from the bathroom can help you decorate the room easily and match items for your fresh theme. Don’t be afraid to be bold and exciting – make your bathroom a fun place to visit!

Another decorating idea for a bathroom is to redo the porcelain sink and the tub. These tend to take a lot of abuse through the years, and with a fresh treatment, they will look brand-new. It’s a lot cheaper than putting in all new fixtures, and it really does make your bathroom look good.

A common bathroom decorating idea for people on a budget is adding or replacing light fixtures. While choosing a light may seem like a daunting task, be aware that once you have chosen the perfect lighting to enhance your bathroom’s theme, it can make a dramatic change to the overall feel of the room. Of course, also consider new paint, tile or wall paper to freshen up the space.

Following the new bathroom decorating trends while maintaining individual taste and style can be achieved with a little research and great imagination. Building on these ideas is sure to help anyone create the bathroom of their dreams. Home decorating magazines can be quite helpful, because if you see decorating materials that you like, there is often a section that shows how you can get them. They are also good at allowing you to see how the materials you’re interested in fit with other colors in the room.

But I Need to Remodel

If you find that redecorating just won’t do, and you really need to remodel, as part of your planning process create a bathroom remodeling check list to help you determine how much of an upgrade you can afford. Make sure you know exactly where your fixtures will go when designing your remodeling project, since you need the plumbing there to accommodate them. Unless you can somehow move the location of your fixtures, your sink, tub, and toilet are going to be exactly where you have them right now. In most cases, the location of your fixtures is going to be a hard limit, so plan accordingly.

Depending on the size of your bathroom and your budget, there are a few bathroom remodeling tips that can the project go smoother, as well as make life after the project easier. For large-budgeted bathroom remodeling projects, you can go beyond your dream bathroom by expanding the area and separating the toilet from the bath area. You can even add spa treatments, bathtubs, water jets and other more expensive bathroom add-ons.

If you have a more modest budget, one of the most important things is to make sure that the shower area is easily accessible. For example, some showers require a person to step up in order to enter the shower, while others are just walk-in showers. Whichever kind of shower you choose, it is important to note that it will have to be well installed in order to prevent leaks. Another method of controlling bathroom remodeling costs could be instead of replacing your tub and all the wall tiles, you could look into a tub and wall unit that fits right over an existing tub and wall. By using this technique and for a few hundred dollars the area can look as if it is brand-new. The alternative is replacing everything, which could run into the thousands.

When you choose where smaller fixtures go in the bathroom remodeling design, think function over form. For items such as the towel rack or even the toilet paper roll, keep in mind that they should go in places that are sensible, The towel rack might look nice by the door, but if it’s out of arm’s reach of the bathtub, then you won’t be happy whenever you get out of the shower, for example. With all things in bathroom remodeling design, if you design with an eye for common sense and space, you will be successful in your attempt to create a room that’s both stylish and functional.

There is no greater joy to a homeowner then to remodel a favorite room such as the bathroom. So, enjoy every minute of it, and, more importantly, enjoy the outcome of your work and labor. Once you are satisfied with the project, you can take your first relaxing shower and enjoy the long-term benefit from the investment you made.

Search Results

June 30, 2017

#EANF#

Where Payday Loans Spending Are No Way, Jose

June 9, 2017

You will not be questioned as to purpose and plan when you avail of payday loans. You can use it for whatever you want, however way you want, whoever you want, and whenever you want. You only need to pay your debt on time.

However, there are certain things that you will be well advised not to spend payday loans on. You will get into trouble with your self, your family, your society and with your government if you do decide to splurge on these activities.

Illegal Drugs

Fast fact: In Canada, the annual economic costs of the trade in illegal drugs exceed $5 billion that includes health care for drug addicts, lost work productivity, criminal offenses and law enforcement.

When you spend your payday loans on illegal drugs, you are contributing to this humungous amount that could be better used for other government projects like education. Closer to your pockets, you will be spending more than $40,000 annually to support your drug habit, which should be enough to finance your education for the same year!

More than the financial costs to society and to your wallet, you are subjecting yourself and your family to emotional and physical costs that cannot be quantified as easily as economic costs to society.

Consider these: broken relationships, domestic abuse, arrests and jail time for crimes committed to feed your habit, lost job opportunities, infectious diseases including sexually transmitted ones, and other physical ailments.

Gambling

Fast fact: Spouses and children of compulsive gamblers suffer abuses at the hands of their husbands/wives and fathers/mothers. Also, research studies always point to children of compulsive gamblers showing higher rates for pathological gambling, tobacco, alcohol and drug use and overeating.

When you decide to gamble your payday loans in casinos, sweepstakes, lotteries, and online betting, you likewise decide to expose your spouse and children to abuse, neglect, addictions of every kind, and even prostitution. What might be a harmless one-time bet today can turn into a harmful full-time occupation tomorrow.

Soliciting for Sex

Fast fact: In Canada, prostitution per se is not prohibited by law as a crime. However, you will run into many criminal laws that make activities related to prostitution, including solicitations for sex, criminal and therefore punishable.

Let us count some of the ways you can be punished for soliciting sex with your payday loans:

- Mere communication about purchasing and actually buying the sexual services of an individual under the age of 18 – six months jail time
- Attempting to and/or conducting the purchase of sex in a public place even if the individual in question is over 18 years of age
- Performing sexual acts in public places even if it is inside your parked car
- Allowing to operate, actually operating and working in a bawdy-house and even offering someone for a visit to a bawdy house are punishable by law

And need you be reminded of the dangers of prostitution to your physical and mental health? Consider these: sexually transmitted diseases like HIV and AIDS, sex addictions and broken marriages.

Indeed, you availed of payday loans to cover emergencies – births and deaths, dates and weddings, health and hearth, medical and bills exigencies, to name a few. You definitely want to solve your financial problems with cash advances, not to aggravate your financial condition!

Power Inverter Uses and Variations – Auto, Car, Boat, Laptops

June 30, 2017

Power Inverters, also known as power supply units or power converters, are a great way to power electronic devices when there is not a ready electrical outlet present but there is DC power available. When it comes to choosing a power inverter, there are a number of available options out on the market, each with a variety of different features. The basic concept of a power inverter is that it can convert a car’s 12 volt direct current power into the same type of alternating current power available from a wall socket, enabling electronics to charge while traveling. They work in cars, boats, or anywhere else equipped with a cigarette lighter adapter (DC Adapter).

Why run the risks of losing power to your essential electronics, when you can always have a backup power source ready for use almost anywhere an electrical current is generated? Power inverters work especially well for charging laptops, DVD players, digital cameras, radar detectors, cell phones, PDA’s, printers, digital cameras, external hard drives, personal media players, flash drives, scanners, iPods, MP3 players, video games, and much more.

On the market you can find an ever-increasing number of different power inverters. They all perform the basic function of charging your electronic devices, but each has its own particular features that may suit one person’s needs better than another’s. There are power inverters that can provide power for one, two, three, or four plugs simultaneously. There are also power inverters that contain USB ports that can charge USB-enabled devices; this can add to the functionality of your power inverter if you carry around devices like the popular iPhone.

Power inverters also differ in the amount of power they supply. Some emit more wattage to charge larger items, while others emit smaller amounts of wattage for electronics with smaller energy demands. This is an important feature to keep in mind, which can help prevent battery drainage and preserve your car battery’s life. When buying a new power inverter it’s best to look if it has an automatic kill switch or switching regulator (available in switched-mode power supplies) so that your car’s battery never reaches a critical point. It can be quite frustrating to see your car battery die, but your laptop fully charged.

A nice feature to look for is a long, extendable cord to reach far away electronics. You may also want a swivel head if your cigarette lighter adapter is placed in a difficult-to-access location. This will help adjust the positioning and make sure it will not slip out of place for maximum convenience. Some power inverters also come with replaceable fuses–one of the most likely parts to fail–and the ability to replace the fuse is more convenient and efficient than having to replace the whole inverter.

Remember, when choosing a new DC-to-AC inverter examine the features, the power output level, number of available receptacles, and pricing to ensure that you purchase the right inverter for your needs. Every year new and more efficient inverters hit the market, so happy hunting and read the reviews before purchasing and you’ll be sure to find just the right inverter you need.

Bathroom Remodeling Idea Makes Bathroom Repairs Easier

June 18, 2017

Bathroom repair is easier with access panels

Soon after I had remodeled my small bathroom it developed a water leak. The first thing I knew about it was a puddle on the floor of the room below. A water pipe was leaking and it was buried in one of the bathroom walls which not only made it difficult to find out where the leak was but a lot of ceramic tiles had to be destroyed to get at it.

When I asked my bathroom contractors why they didn’t make it easier to get at the new pipe work they said that it would have made my quotation too expensive so they just buried the pipes and hoped that they don’t give any trouble. It was just my luck then that my bathroom was the one where they made lousy joints. The bathroom repair turned out to be far more costly than it would have been to make all the pipes accessible in the first place and I wish now that I’d had the foresight to put that in the specifications.

Where to put access panels

The obvious solution to the bathroom repair problem is to provide access panels for all of the pipe work joints and as much of the pipe length as possible. When you specify what you want in your bathroom remodel make sure that you will be able to get at every joint easily.

Where the water pipes are installed in a separating wall it’s often convenient to provide access on the other side of the wall rather than inside the bathroom where the ceramic tiles are. You may even be able to turn the access into a small cupboard, which would give you an added benefit. Opening the cupboard doors would provide simple access to the water pipes.

Pipe work under bathtub and under floor can be made accessible by removable panels. Make sure that the floor covering allows for this and a suitable sealer is used to fill any gaps when the access is closed.

If the access panel has to go on the bathroom side of the wall then special attention to waterproofing will be required.

How to make access panels in ceramic tiles

To accommodate a radiator in my bathroom remodel the contractors built a false wall to hide the pipe work. This wall was then set with ceramic tiles and the radiator mounted in front of the tiles. This pipe work has not leaked but I do wonder what I would do if it ever did.

Tiling a small part of the false wall separately on a removable section could have provided an access panel. This would then be screwed firmly to the main part of the wall and the edges sealed with a silicon-sealing compound. The screws would pass through the tiles so silicon sealer would be used to seal the screw heads and holes in the tiles. When the need arose the sealer could be stripped away and the panel unscrewed. Resealing when the problem was fixed would be just as easy.

For more bathroom remodeling tips take a look at this article on setting bathroom tiles:
Setting Ceramic Tile Made Easy

Internet Marketing

July 17, 2017

According to a study conducted by Nielsen/NetRatings, a premier service of The Nielsen Company, there are 450 million internet users in 21 countries, and out of them 250 million people can be termed as active users that is these users spend on an average more than 10 hours a month on the internet. The study further reveals that one third of these active users regularly use the internet to make purchases. Thus, for an astute entrepreneur, all these 250 million people are potential customers. Now, the big question is how to convert these prospective customers into permanent customers. The answer is simple ‘internet marketing’.

What is Internet Marketing?

Also referred to as online marketing, is all about using the power of internet for marketing. A component of e-commerce, it amalgamates the technical and creative aspects of the internet, and uses methods as email marketing, viral marketing, display advertising, search-engine marketing, affiliate marketing and interactive advertising to pin down the potential customers.

Business Models

Several business models are associated with internet marketing. However, the two main ones are business-to-consumer (B2C) and business-to-business (B2B). In the former case, the products are sold directly to the end customers, while in the latter case the companies do business with each other. A third lesser-known business model associated with internet marketing is peer-to-peer (P2P). Here the individuals barter commodities between themselves.

Formats

In addition to business models, internet marketing is also related to some formats. For instance, name-your-price, where the customers have the privilege to choose their price range and then buy the items that fall in that range. Another format where it finds its place is online auction. Here the buyers place a bid on the enlisted items. Find-the-best-price is yet another format that can be associated with internet marketing. In this case the buyer can search for the website that sells a particular item at the lowest price.

Advantages

From the perspective of an entrepreneur, marketing on the internet is less expensive as compared to other media like television, radio or print media. Secondly, the entrepreneur can easily expand into the local, national and international market. Furthermore, there is no need to spend valuable resources on the sales force. Lastly, the entrepreneur can easily track his or her success and thereafter modify it according to their needs. In other words, internet marketing inculcates a sense of accountability in the advertiser, which in its turn increases the return on investment.

Now from the customer’s point of view, it provides detailed information about the product. The availability of requisite information making decision-making process a lot easier for the customer.

Disadvantages

On the downside, it is quite intricate for those entrepreneurs who are not well-accustomed with the working of the internet. Here written words are more important than spoken words. The design and content of the website play a massive role. The entrepreneur may lose his customers if the website is not properly designed or if the customer struggles to download the information due to the complexity of the web page. At times, slow internet connections also make entrepreneurs to lose their money. Moreover, inadequate development of electronic payment methods also mars the effectiveness of internet marketing campaigns.

Most customers who avoid buying from the internet do so because firstly they cannot touch, smell or taste the product before buying, and secondly, they face problems while returning the product that they don’t like. These two factors also ruin the impact to a great extent.

Security lapse is another snag associated with internet marketing. Recently, some companies involved in online business have been caught selling customer information. These incidents prompted many customers to stay away from online companies. Customers are still hesitant in spite of assurances and installation of foolproof methods.

Conclusion

Despite the drawbacks, internet marketing is garnering huge profits for several industries particularly banking and music industries. Flea markets have virtually perished. Unique items, which were available only in the flea markets once upon a time, can be found on any online auction sites.

In fact, traditional marketing media as television, newsprint, etc. are also losing money due to the soaring popularity of online marketing. According to a report, in the year 2006, US companies spent $17 billion on online campaigns. If we try to confiscate the drawbacks, internet marketing can prove to be a potent tool to convert prospective customers into permanent customers and to engender endless streams of profit.

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