Saturday, May 2, 2009

Gmail Shortcuts

Here is a list of Gmail Shortcuts:
  1. C will open a new compose message. Shift + C will open a compose message in new window.
  2. R will reply a mail. Press "A" to reply all and "F" to forward the message. Combination with Shift will open new message window.
  3. Shift  + I will mark message as read and Shift + U will mark it as unread.
  4. Forward Slash / will put cursor in search box.
  5. The # will instantly delete a message. 

Republican Lynn Jenkins Chides Obama Taxing and Spending

Republican Lynn Jenkins has chided the first 100 days of Obama in office as a period of nothing but taxing and spending which will put the nation into a debt greater than that accumulated over the 200 year old history of United States. She said that $780 billion stimulus spending and over $3 trillion in federal budget package is going to push the country into a huge debt which the government can only recover through taxing the American people. The current situation will lead to a energy crisis which the country is already facing due to pressure on oil prices and commodities like metals. 

According to Lynn, republicans can do a much better job of generating more jobs, revive the housing market and rebuild savings schemes at half the spending of the democrats. 

Swine Flu Cases Increase Worldwide

According to the WHO, there have been 600 confirmed cases of Swine Flu caused by the H1N1 strain. So far, 15 countries have reported confirmed cases of Swine Flu. The highest number of cases some 400 are reported from Mexico alone. Next in line is USA with around 150 cases. A lot of people have been quarantined in China and Hongkong especially certain people who volunteered for work in Mexico or visited Mexico due to official reasons. 

Danny Gans Vegas Impersonator Immitator Dies at 52

Danny Gans accomplished celebrity entertainer with a gift for impersonating famous personalities died at his home in Las Vegas, Nevada. Danny is survived by his wife, 2 daughters and his son. 
The cause of death is unknown. 

Danny Gans had recently signed to perform at Steve Wynn's Encore Theatre. Wynn has expressed deep sorrow and regret at the loss of a talented artist Danny Gans. Danny's current assignment was immitation of presiden Obama which he considered to be a tough act. 

Danny who was featured in Larry King's Live TV show started his Vegas career in 1996 when he signed a deal to perform 200 shows a year at the stratosphere hotel. He later moved on to perform in his own theatre for a nine year contract period which earned him $200 Million.

Wednesday, April 29, 2009

MSI Wind U123 Netbook

MSI Wind U123 Netbook will be launched shortly and like its predecessor the U100, which was the first 10.1 inch netbooks, it will run on the 1.66 GHz Intel Atom processor. The Intel Atom processor consumes very little power (about 5 watts) compared to its dual core cousins used in bigger laptops. This low power consumption insures a longer battery life especially if you opt for the 9 cell battery. 

Other features of Wind U123 include 1GB DDR2 SDRAM, a 120GB 2.5 inch SATA hard disk, 10.2 inch 1024X800 pixel LED backlit screen, 1.3 megapixel webcam, wireless connectivity, bluetooth, 5-in-1 card reader slot, headphone/microphone jacks and TV antenna connector. It is less than 1/2 inch thick and weighs just 3 lbs. 

TellMe Windows Mobile Voice Application

TellMe which released its smart voice application for Blackberry some 2 years back is releasing a native application for Windows Mobile 6.5 later this year.

TellMe will be activated by a hardware hotkey which will enable digital ears for interpreting search phrases, small sentences for diction and voice dialing. Currently TellMe is facing stiff competition from its rival application Vlingo which packs more features and has free service for Blackberry and iPhone. Vlingo it seems can updated social sites like Twitter and Facebook. It can also read out emails. 

TellMe will be integrated with the Windows Mobile 6.5 at the network level and use GPS or cellphone tower triangulation to update local searches like weather. 

Saturday, April 25, 2009

Link Exchange Directories

Here is a list of link exchange directories:

Free Hosting
Reviews the best free webspace providers that offer reliable free web hosting services with PHP MySQL support and no any forced adverts added to free users web pages. Internet Directory - Submit your site FREE. Drive quality Traffic

Website Promotion Directory - free url submission, online website directory

Homerweb Search

Use PR Checker to Know Your Pagerank

PR Checker is a nice tool to know your Google Pagerank. They also provide several other services like Free Web Hosting and Reseller Hosting. Check out PR Checker here:

Free Web Hosting
Reviews the best free webspace providers that offer reliable free web hosting services with PHP MySQL support and no any forced adverts added to free users web pages.

Friday, April 24, 2009

China Gold Reserve Among Top 5 Countries

China Gold Reserve is now officailly the 5th largest in the world. Here is a list of Countries with largest gold reserves:

  1. United States of America. USA owns the largest gold deposits which are around 8200 tonnes. Even though USA decoupled its gold reserves from its currency in 1971 and made the dollar value to depend upon economic trade, its gold amounts for 75% of forex reserves.
  2. Germany. Germany's gold reserves are around 3400 tonnes which are 65% of its forex reserves.
  3. France. France has 2500 tonnes of gold reserves.
  4. Italy. Italy has 2400 tonnes of gold reserves.
  5. China. China has recently announced that it has accumulated gold over several quarters and become the 5th largest gold reserve country beating Switzerland, Japan and Netherlands. China's gold reserve stands at 1054 tonnes. 

Thursday, April 23, 2009

How to set cookie using PHP

PHP provides a function called setcookie(name, value, expire, path, domain) which can be used to set cookies. Here is an example:

$expire=time()+60*60*24*30; setcookie("user", "John Smith", $expire);

This will set the cookie with user name as "John Smith" and cookie will expire in 30 days which have been converted to seconds. The cookie can be retrieved back as follows:

if (isset($_COOKIE["user"]))   echo "Welcome " . $_COOKIE["user"] . "!
"; else echo "Welcome guest!

To delete a cookie use the setcookie function again. When deleting a cookie the expiration time should be in the past. Here it is set 1 hour ago: 

setcookie("user", "", time()-3600);

Remember all PHP cookies should be set in the header before any html tags for them to work properly.

Freda Payne - Greatest Hits

Here is a list of Greatest Hits by Freda Payne.

Wednesday, April 22, 2009

GEM Peapod Car

GEM Green Eco Mobility Peapod Car is ideal for short distance travel within city limits upto a range of 30 miles (50 Kms). Peapod sports a top speed of 25 mph (40 Kmph). This all electric ultra small car can seat four people. It can be charged through a standard house-hold electricity point in 8 hours. So, the Peapod offers to be a utility vehicle which reduces cost and pollution. The Peapod car also sports a iPod docking station and can use iPod as an ignition key.

Sunday, March 22, 2009

Daniel Craig Quantum of Solace

The sequel to Casino Royale, Quantum of Solace sees Daniel Craig as James Bond who vows to take revenge on the perpetrators of Casino Royale. Co-starring with him are Mathieu Amalric playing the villian who is trying to control the water resources of third world countries and Olga Kurylenko as the traditional blond girl. 

Stephenie Meyer Breaking Dawn Twilight Saga

Stephenie Meyer is the master of romance and it gets reflected in the final installment of Twilight called Breaking Dawn. It is all about the conflicts of a triangle love story between a human girl, a Vampire and a Werewolf. The story revolves around Bella's sacrifice for someone she loves more than Edward. Bella, who is torn between the love of a Vampire and a Werewolf has to finally make a decision in this culmination of the Twilight Series. This is one big romantic roller coaster with seemingly happy endings turning into heartbreaks and then recovering back into something to hope for. 

Hush Puppies Men's Arrow Light Oxford

This is a classic shoe design for ultimate comfort. Its design insures you can put them on quickly and elegant styling ensures you can wear them to your office as well. Hush Puppies Men's Arrow shoes are available in several colors at the price range of $35 - $80. 

It is very light and comfortable with padded insole, sides and cushioned tongue. An anti-bacterial lining keeps the shoe fresh and without odors. The suede leather used has a smooth finish with elegant stiching. The laces give the shoe a very traditional appearance ideal for formal occasions. 

Men's Trekker Lo Lace Up Shoes

Men's Trekker Lo Shoes are made from genuine soft leather certified by BLC under strict manufacturing guidelines to tanneries which maintain proper environmental and working conditions in their plants. They are available for $140 only with a discont of $30 on select colors only. 

Men's Trekker Lo Shoes are very comfortable with a PU sole which expands and contracts with every step. The cushioning is amazing and footfall is very comfortable on rugged terrains also. Most of the sole is made from PVC and recycles rubber comination. The inner linings are breathable with a lot of cushioning for extra comfort. Men's Trekker Lo Shoes are very light and fit snuggly. This gives a very sturdy and confident feel while walking.

Levi's Men's Regular Fit Jean

Levi's Men's Regular Fit Jeans is an awesome deal available in the range of $25 - $55 only. They are made from 100% cotton denim with a straight fit and leg opening of 16 3/4 inch. It is pre-faded classic jean with blasting, fraying and whiskering for a worn look. This five pocket jean with signature embroidery is a hot favorite among many men. Levi's Men's Regular Fit sports zip fly button closure instead of a zip. The fabric feels very comfortable both in summers and winters. For this price Levi's Men's Regular Fit Jeans is a great deal in straight fit jeans. 

Levi's Men's Relaxed Fit Jean

Levi's Men's Relaxed Fit Jean is one of the best available with a thick fabric immune to wear and tear. It is available in more than 10 different stonewashed shades ranging from black to skyblue. The fabric is comfortable to wear both in summers and winters. Levi's Men's Relaxed Fit Jean is designed for comfortable fit with slight taper toward the bottom. Where other jean brands have reduced the fabric quality, you can be sure that Levi's Jeans will last you long after several years of wear and wash without fading too much or going out of shape. Levi's Men's Relaxed Fit Jean is available from $32 - $55.

Tuesday, March 17, 2009

Toshiba Satellite L305-S5926 Laptop

Toshiba Satellite L305-S5926 is an amazing budget laptop with very good features. It is available for only $630 and runs on 2.16Ghz Intel Core 2 Duo processor, 2Gb DDR2 SDRAM, Intel Graphics Card with 830MB of shared memory allocation from system memory and 250GB hard disk. 

Toshiba Satellite L305-S5926 is designed very well with a onyx blue color which gives it a very professional look. The finishing is superb. A front loading DVD/CD read/write optical drive lets you play your favorite DVDs and CDs. You can even connect the laptop to a HDTV through a HDMI port and watch movies full screen. 

Other peripherals include 3 USB ports, 1 express card slot, 1 VGA port, 1 HDMI port, 5-in-1 memory card reader, Wifi, gigabit ethernet and mircophone/headphone jacks. Toshiba Satellite L305-S5926 comes prealoaded with 32 bit Windows Vista Home Premium operating system, Norton Security 30 day trial and Microsoft Office 2007 60 day trial.

Toshiba Satellite U405-S2920 Laptop

Toshiba Satellite U405-S2920 is a high mobility laptop with a high gloss 13.3 inch screen. It runs on a 2.4 GHz Intel Core 2 Duo processor, 4GB DDR2 SDRAM, 320GB hard disk and Intel 4500MHD Graphics accelerator. Toshiba Satellite U405-S2920 screen has a resolution of 1280 X 800 and holds a 1.3 megapixel webcam in the bezel. The webcam works as a face recognition device and adds an extra layer of biometric security. It also has an inbuilt XOHM quadband WiMax Broadband for wireless connectivity to the internet which runs on 3G protocol.

The video display is good and the Intel graphics card does a good job. It can allocate 1750MB of shared memory when required ensuring smoother graphics when viewing movies and playing 3D games. A DVD/CD optical drive allows you to playback DVD/CD and write CDs at 8x speeds. 

Toshiba Satellite U405-S2920 peripherals include 3 USB ports, 1 Firewire, 1 Express card slot, 1 VGA, microphone/headphone jacks, 5-in-1 memory card reader, Wifi, Bluetooth and Gigabit ethernet. The battery last good 5 hours. The audio is awesome. 

Toshiba Satellite U405-S2920 comes preloaded with 64 bit Windows Vista Home Premium operating system, Norton Security 30 day trial and Windows 2007 Office 30 day trial. Toshiba Satellite U405-S2920 is available for $1150 only.

Acer Aspire AS6930-6941 Laptop

Acer Aspire AS6930-6941 is a very sleek laptop with 16 inch screen and Blu-ray disc available for $1000 only. It runs on a 2.0GHz Intel Core 2 Duo processor, 4GB DDR2 SDRAM and 320GB hard disk. The Dolby surround sound system is awesome and completely immersive. The 16 inch WXGA screen renders crisp images and high definition graphics. It also holds a Crystal Eye webcam in the bezel. 

Acer Aspire AS6930-6941 peripherals include USB ports and 5-in-1 memory card reader for sharing your files and media between devices like cameras and cellphones. It weighs 8lbs.

Acer AS8730-6918 Laptop

Acer AS8730-6918 18.4 inch laptop is available for a nice price of $880. It is a big laptop with amazing features good for watching movies in high-definition, playing games at high frame rates or handling your daily work. Acer AS8730-6918 is powered by a 2.0 GHz Intel Core 2 Duo processor, 4GB DDR2 SDRAM, 320GB hard disk and Intel Integrated graphics card with 1750MB of shared memory capability. 

The Dolby sound system is amazing with 2 way speaker system and one sub-woofer. Acer AS8730-6918 laptop has a high gloss Gemstone design and sapphire blue color which looks awesome. Peripherals include a DVD/CD optical drive, 4 USB ports, 1 VGA output, 1 HDMI output, Gigabit ethernet, Bluetooth, Wifi and microphone/headphone ports. The battery lasts 2.5 - 3 hours on peak usage. Acer AS8730-6918 weighs around 9 lbs due to its large size.

Monday, March 16, 2009

Acer AS8730-6951 Laptop

Acer AS8730-6951 is a high end laptop available for only $1000. It boasts features like NVidia GeForce 9600M GT graphics card with 512MB dedicated video memory which will allow you to run heavy multimedia applications and 3D games on the 18.4 inch screen with ease. Acer AS5735-6694 runs on 2.4 GHz Intel Core 2 Duo processor, 4GB DDR2 SDRAM and 320GB hard disk. 

The design of Acer AS5735-6694 is amazing with glossy sapphire blue color and gemstone shape body. It has a huge 18.4 inch screen with max resolution of 1680 X 945 pixels. The screen also holds a Crystal Eye webcam for video conferencing and chatting. The multi-gesture touchpad lets you zoom and navigate effortlessly using your fingertip movements. A dual layer DVD/CD combo drive allows you to watch your favorite movies and TV shows at high definition on the Acer AS5735-6694 laptop or you can connect to a HDTV through a HDMI port. 

Other peripherals include Wifi, Bluetooth, 4 USB ports, 1 VGA output, 1 Express card slot, 5-in-1 memory card reader and microphone/headphone jacks. Acer AS5735-6694 weighs nearly 10 lbs which is ok for its size. The battery life is also ok and lasts 2.5 - 3 hours on full load. Good thing is that it charges back in 1 hour only. 

Acer AS5735-6694 comes preloaded with Windows Vista Home Premium operating system, MaAfee internet security trial version and Acer's suite of utility softwares. This is a really nice laptop at an unbeatable price.

Acer AS5735-6694 Laptop

Acer AS5735-6694 is a stylish budget laptop with very good features available for $630 only. Acer AS5735-6694 sports a 15.6 inch screen with Crystal Eye webcam for chatting and video conferencing. The 1366 X 780 resolution ensures bright crisp images and the integrated Intel X4500MHD graphics card runs graphics and media smoothly. The audio system is impressive with 2 way sound system for immersive audio experience. 

Acer AS5735-6694 runs on 2.0 GHz Intel Core 2 Duo processor, 4GB DDR2 SDRAM and 250GB hard disk. The Intel processor works effortlessly when you run mutliple applications without slowing down. You can easily run heavy graphic applications, watch high definition videos and play 3D games like Call of Duty at high frame rate. The Intel Graphics Card provides 1750MB of shared video memory for all heavy graphics tasks. 

Acer AS5735-6694 peripherals include a DVD/CD read/write optical drive located on the right side, 3 USB ports, 1 Express Card slot, 1 VGA output, 5-in-1 card reader, Memory stick pro slot, gigabit ethernet, microphone/headphone jack and Wifi. 

Acer AS5735-6694 comes preloaded with 64 bit Windows vista home premium operating system, McAfee Internet Security Trial version, Adobe Acrobat reader, Acer Crystal Eye software and Acer E-Recovery.

The battery life is ok and lasts 2.5 - 3 hours depending on usage. Acer AS5735-6694 is a good budget laptop with large screen size and nice features.

HP TX2-1020US Touchsmart Laptop

HP TX2-1020US is a swivel design laptop with touch sensitive screen available for $1000 only. It runs on AMD Turion 64 2.2GHz dual core processor, 4GB DDR2 SDRAM, ATI Radeon HD 3200 with up to 1982MB Shared Graphics Memory Card and 320GB hard disk. 

The best part about HP TX2-1020US laptop is its 12.1 inch touch sensitive screen. The laptop comes along with a stylus for drawing stuff on the screen directly which is very cool and handy when doing presentations. You can flip, flick, rotate, zoom, shrink objects like images, playlists etc on the screen itself by hand gestures. This makes things so easy. 

Peripherals include a DVD/CD read/write optical drive, 3 USB ports, 1 VGA output, 1 Express Card slot, 5-in-1 memory card reader, gigabit ethernet and wireless lan. The laptop weighs only 4 lbs. The battery life is average and burns out in 2-3 hours on full load. 

HP TX2-1020US laptop is a good buy for working professionals who need to display stuff to clients on the go. 

HP Touchsmart tx2 w Laptop

HP Touchsmart tx2 w is a swivel screen laptop introduced by Hewlett-Packard for $1600. It runs on AMD Turion 2.1GHz X2 Dual Core mobile processor, 6GB DDR2 RAM, ATI Radeon 3200 HD graphics card with 64MB of dedicated memory and 400GB hard disk. 

Peripherals include DVD/CD read/write dual layer optical drive and wireless-G card. HP Touchsmart tx2 w sports a touch sensitive 12.1 inch WXGA screen with 1280 X 800 max resolution. 

HP Touchsmart tx2 w is a must buy for small business owners and design professionals looking for high performance with style.

Lenovo IdeaPad Y430 Laptop

Lenovo IdeaPad Y430 is a great entry level laptop available for $630 only. It is loaded with features like Intel Dual Core T3200 2.0GHz processor, 3GB DDR2 RAM, 160GB hard disk, DVD optical drive and integrated Intel Graphics Card accelerator. 

The 14.1 inch vibrant display screen with resolution of 1280 X 800 pixels has good color depth and holds a 1.3 megapixel webcam in the bezel. The sound system is good with 2 way speakers and a sub-woofer. Peripherals include 3 USB ports, 1 HDMI port, Wireless Lan WiFi, Memory card reader, gigabit ethernet and headphone/microphone jacks. 

Lenovo IdeaPad U330 battery life is a bit low and lasts 2 - 2.5 hours only at full load. Looks are average but built is solid. Its a good buy at the price of $600.

Lenovo IdeaPad U330 Laptop

Lenovo IdeaPad U330 is a very sleek, stylish and lightweight notebook with very strong features. It weighs only 4.5 lbs. It is available for $900. Lenovo IdeaPad U330 is powered by a 2.0 GHz Intel Core 2 Duo processor, 3GB DDR3 SDRAM and option of integrated Intel graphics card or ATI Radeon HD 3540 graphics card with dedicated 256MB memory which can be switched ondemand. The hard disk size is 250GB.

Lenovo IdeaPad U330 13.3 inch high gloss screen displays crisp images at 1280 X 800 pixels and holds a 1.3 megapixel camera in the bezel. Other features include wireless lan, HDMI port, Bluetooth, 2 USB ports, dual layer DVD/CD optical drive and Microphone/Headphone jacks. The battery life is good and lasts for atleast 5.5 hours on full load. 

Apple MacBook Air MB543LL/A Laptop

Apple MacBook Air MB543LL/A is the lightest, ultra-thin, ultra-portable laptop available today with very powerful features. It measures only 0.7 inches at the thickest point. Apple MacBook Air MB543LL/A is powered by a 1.6 GHz Intel Core 2 Duo processor, 2GB DDR3 SDRAM, 120GB hard drive and NVidia GeFore 9400M graphics card with 256MB dedicated memory. 

The 13.1 inch screen has a resolution of 1280 X 800 pixel and holds iSight 1.3 megapixel webcam. Other features include 1 USB port, built-in Wifi and Bluetooth. There is no DVD/CD optical drive due to the thin profile. The battery life is good and runs effortlessly for 4.5 hours at full load. 

Apple MacBook Air MB543LL/A is available for $1750 only.

Apple MacBook Pro MB134LL/A Laptop

Apple MacBook Pro MB134LL/A is designed for mobile professionals who need high performance. It runs on a 2.5GHz Intel Core 2 Duo processor with 6MB L2 cache and 1066MHz Front Side Bus. A NVidia GeFore 8600M GT graphics card with 512MB of dedicated memory and 2GB DDR2 SD RAM ensures that all heavy graphic applications and 3D games run at high resolution and frame rate. Hard disk size is 250GB.

The super thin matte finish 15.4 inch LED backlit TFT screen renders crisp images at 1440 X 900 pixels. The screen bezel also holds a iSight 1.3 megapixel webcam for video conferencing and casual chatting. A slot loading DVD/CD dual layer optical drive is located at the fron of the laptop. Apple MacBook Pro MB134LL/A is encased in a single aluminium chasis. 

Apple MacBook Pro MB134LL/A sports 2 USB ports, 1 Firewire, 1 VGA output, Gigabit Ethernet and Microphone/Headphone jacks. Other peripherals include Wireless Lan, Wifi and Bluetooth. 

The battery life is good and can sustain for 5 hours with full consumption like when playing games at high resolution. Apple MacBook Pro MB134LL/A is a elegant beast which delivers high performance. Its available for $2750 only.

Apple MacBook Pro MB471LL/A Laptop

Apple MacBook Pro MB471LL/A is designed as a desktop replacement laptop which delivers stunning high-end graphics. It makes the ultimate solution for Desktop Editors, Graphic Designers, Image Editors, Design Professionals and Gamers. Apple MacBook Pro MB471LL/A runs on 2.66GHz Intel Core 2 Duo processor with 6MB L2 Cache and 1066MHz Front Side Bus. NVidia GeForce 9400M graphics card with 256MB of dedicated memory along with 4GB of DDR2 SDRAM ensure that all heavy applications run smoothly. 

The 15.4 inch super thin LED backlit LCD screen renders crisp images at 1440 X 900 pixel resolution. The screen also holds a 1.3 megapixel webcam in the bezel which can be used for video conferencing or casual chatting. 

The entire laptop is encased in a single aluminium chasis. The right side of the laptop holds a slot loading DVD/CD optical drive. The left side has 2 USB ports, 1 Firewire, 1 VGA output, Ethernet and Microphone/Headphone jacks. Other peripherals include Wireless Lan, Wifi connectivity and Bluetooth. 

Apple MacBook Pro MB471LL/A comes preloaded with Mac OS X Leopard operating system, iLife, iWork trial version and XCode Develper Toolkit. The battery life is good and runs the laptop for 5 hours even at peak usage. Apple MacBook Pro MB471LL/A is available for $2300 only. 

Apple MacBook MB466LL/A Laptop

Apple MacBook MB466LL/A is machined from a solid peice of aluminium, designed to be sleek and robust. The slim profile is easy to handle and easily slides into a backpack for travel. The high gloss LED backlit LCD screen renders crisp images and games at high resolution. The max screen resolution is 1280 X 800 pixels and the screen bezel holds a 1.3 megapixel webcam for casual chatting and video conferencing.

Apple MacBook MB466LL/A runs on 2.0GHz Intel Core 2 Duo processor, 2GB DDR2 SDRAM and NVidia GeForce 9400M graphics card with 256MB of dedicated memory. The NVidia graphics card delivers high performance for smooth delivery of discrete level graphics while playing 3D games like Quake and Call of Duty 4. The trackpad is designed to be 40% bigger with Multi-Touch gestures. You can use your fingers to swipe through images, select applications in the background, zoom or rotate using just the trackpad. 

A slot loading DVD/CD drive is fitted on the right side of the laptop. It can write CDs at 8x speeds, read CDs at 24x and DVDs at 8x speeds. The left side of the laptop has 2 USB ports, 1 Firewire, 1 VGA output, Microphone/Headphone ports and Ethernet port. Other peripherals include wireless lan, wifi and bluetooth. 

Apple MacBook MB466LL/A comes preloaded with Mac OS X Leopard operating system, iWork trial version, iLife and XCode developer toolkit. The battery life is good which can run the laptop for 5 hours at full usage when using heavy application like games. 

Sunday, March 15, 2009

Apple MacBook Pro MC026LL/A Laptop

Designed from a solid aluminium block for superior finish and feel, Apple MacBook Pro MC026LL/A is an amazing laptop. It runs on powerful 2.66 GHz Intel Core 2 Duo processor with 6MB L2 cache and 1066MHz Front Side Bus, 4GB of DDR2 RAM and NVidia GeForce 9400M graphics card with 512MB of dedicated memory for rendering amazing graphics or playing high end 3D games like Call of Duty 4. A 320GB hard disk ensures you can store all your media in one place and still have plenty of space for day to day work. 

Apple MacBook Pro MC026LL/A is designed to be strong and durable. Aluminium is used through out and the laptop body is enclosed in a single aluminium frame. The trackpad is designed for larger area which can be used to flip, rotate, zoom etc with various finger tip movements. This limits the use of trackpad buttons and insures faster movement and access.

The 15.4 screen renders very crips images. The screen bezel also holds iSight webcam for casual chatting and video conference. A slot loading DVD/CD optical drive is build into the right side of the frame. It can write CDs at 8x read CDs at 24x and play DVDs at 8x speeds. 

The left side of the frame holds 2 USB ports, 1 VGA output, ethernet, microphone and headphone jacks. Other peripherals include wireless lan, Wifi connectivity and Bluetooth. Apple MacBook Pro MC026LL/A comes preloaded with Mac OS X Leopard operating system, iLife, iWork trial version and XCode developer toolkit.

The battery life is amazing and it lasts 5 hours even when running 3D games on the NVidia 9400M graphics card using full power. All in all this is an amazing laptop available for a price of $2500 only.

Apple MacBook MB881LL/A Laptop

Apple MacBook MB881LL/A is an amazing laptop with very thin 1 inch profile and powerful features like dedicated NVidia GeForce 9400M graphics card for high performance. It uses 2.0 GHz Intel Core 2 Duo processor for fast computing and multitasking. The NVidia Graphics card has 256MB of dedicated memory which will easily render graphic applications and latest games like Call of Duty 4 at high resolution. With 2GB of DDR2 RAM extendable upto 4GB Apple MacBook MB881LL/A will run all applications smoothly without slowing down. The best part is that you get Apple's amazing innovative design and ability to run windows operating system along with Mac Leopard OS-X. 

The 13.1 inch screen has smooth finish with a max resolution of 1280 X 800 pixels. The screen bezel holds a 1.3 megapixel iSight webcam for casual chatting and sending pics to friends and family. A slot loading DVD/CD combo drive is built seamlessly on the right side. The left side of Apple MacBook MB881LL/A has all the peripheral devices like 2 USB ports, 1 Firewire, 1 VGA output, kensington lock, microphone/headphone jack and ethernet. It also sports Wifi and wireless lan for easy accessibility. 

Apple MacBook MB881LL/A comes preloaded with Mac OS X Leopard 10.5 operating system, XCode developer toolkit, iLife and iWork 30 day trial. All this at a price of only $1000. 

Sony VAIO VGN-Z570N/B Laptop

Sony VAIO VGN-Z570N/B is a business laptop designed with aluminium chasis for durability. Its available for $1640 only.

Sony VAIO VGN-Z570N/B Specs:
  • 2.53 GHz Intel Core 2 Duo processor with 6MB L2 cache.
  • 320GB SATA hard disk 
  • Choose Intel Integrated GMA 4500MHD or NVidia GeForce 9300M graphics cards at the flick of a switch for optimal performance.
  • 13.1 inch LED backlit LCD screen with 1366 X 768 resolution.
  • 2 USB ports
  • 1 Firewire, 1 HDMI output, 1 VGA port
  • 1 Express Card slot, 1 Memory stick duo port
  • Ethernet, Bluetooth, Wifi, Wireless LAN
Sony VAIO VGN-Z570N/B preloaded software include Windows Vista Business operating system, Microsoft Live anti-virus trial version, Microsoft office 2007 trial version and VAIO music box. It weighs around 3.5 lbs and battery life of about 3 - 6 hours depending on usage.

Saturday, March 14, 2009

Accounting as a Career

Accounting Career requires atleast a bachelor degree in commerce, accounting or a related field. An accountant works as both a financial advisor and auditor for a firm or a government institution. Accounting work involves auditing, maintaining accurate financial records, calculating payable taxes and ensuring they are paid on time etc. 

Certified Public Accountants (CPA) usually work independently and have a set of clients. They maintain records and help these clients during internal and external auditing. Working independently has many advantages. Usually CPAs are highly paid once they are established in the industry. After working for some years a CPA client list grows and provides continuous business. 

Many firms hire permanet accountants for maintaing its financial records. In this role accountants are given responsibility to analyze costs, prepare budgets and manage the firms assets properly. They may also be involved with the management team during strategic planning during business expansion or launch of a new product.

An accountant can also acquire a internal audit certification called Certified Internal Auditor (CIA). A Certified Internal Auditor usually works independently and called during internal or external audits by a firm. 

Open a Quiznos Franchise

Quiznos is catching up as a good franchise option nowdays. They are well known for their amazing subs. They may not be as big as Subway and Mac Donalds who have huge marketing budgets but, Quiznos boast $90  million annual marketing budget and are growing. Quiznos franchise is also new and has lot of top side potential. The room for growth is immense. 

In 2007 Quiznos was rated as the best fast food chain by Zagat consumer review. They got top scores on overall service, facilities and food. This is very compelling reason to partner with Quiznos Franchise. 

Quiznos chefs have prepared the best menus using amazing flavors and quality ingredients. So as a Quiznos Franchise it wouldn't be a problem to offer a large variety of fast food dishes. The Subway market is tanking up and now people are clamering for Quiznos. There are 4 Subway outlets for each Quiznos. The math is simple and sticking with Quiznos Franchise will mean more customers because of growing demand and more sales. 

Sticking with the Quiznos brand name will really give you a taste of success.

Sony VAIO VGN-P530H/Q Lifestyle PC

Sony VAIO VGN-P530H/Q is purely a style statement laptop available at a very high price of $900. Apart from awesome looks and design Sony VAIO VGN-P530H/Q cannot be used for daily work. It has a slow 1.3 GHz processor and small 60GB hard disk. Also, good peripherals like bluetooth and Wifi don't outweigh the negatives. 

Try out Acer Aspire One Laptop at half the price and much better features. 

  1. Very light.
  2. Well Designed Keyboard
  3. Good Screen Resolution
  4. Includes webcam
  5. 2GB RAM
  6. Bluetooth, WiFi, Wireless LAN
  1. Slow Processor
  2. Small 60GB hard disk 
  3. Joystick mouse control
  4. Windows Vista too heavy
  5. Small Fonts

Sony VAIO VGN-NS235J/S Laptop

Sony VAIO VGN-NS235J/S is an everyday computing laptop with a 15.4 inch screen and $750 price. Its powered by a 2.16 GHz Intel Core 2 Duo Laptop, 4 GB RAM and 250 GB Hard Disk. The screen bezel includes a 1.3 megapixel webcam which can be used for chatting. The screen resolution is 1280 X 800 pixels and good enough for watching DVDs on the laptop. The graphics are powered by a Radeon HD 3430 graphics card with 2GB of dedicated memory. This makes the laptop a very compelling choice for high-end graphics rendering and playing games. The overall performace is amazing due to the processor, 4GB RAM and Radeon graphics card combination. 

Sony VAIO VGN-NS235J/S peripherals include wireless LAN, WiFi, 4 USB ports, 1 Firewire, 1 Express Card slot, ethernet, Memory stick and memory stick pro slot. 

The Dual Layer DVD drive can play several media formats in both DVD and CD formats. The sound system is awesome. The battery life is around 3-4 hours depending upon usage. 

Sony VAIO VGN-NS235J/S comes pre-loaded with 64 bit Windows Vista Home Premium operating system, Microsoft Live anti-virus trial, Microsoft Office 2007 60 day trial and VAIO music box. 

This is a handy and small laptop with very strong features and graphic capabilities. The price can't be better. 

Sony VAIO VGN-FW350J/B Laptop

Sony VAIO VGN-FW350J/B Laptop is now available at a discounted price of $1000 only. This is one of the best designed laptops by Sony with very good looks and high end features. Sony VAIO VGN-FW350J/B has a screen size of 16.1 inch and resolution of 1600X900 pixels. The screen bezel includes a 1.3 megapixel webcam. 

Sony VAIO VGN-FW350J/B is powered by 2.0 GHz Intel Core 2 Duo processor and 4GB RAM extendable upto 8GB. Integrated Intel Graphics Card GMA 4500MHD renders amazing graphics through its 1750MB of shared on demand meomory access. A huge 320GB hard disk ensures that you will never run out of space for storing your media and business files. It is also capable of playing Blu-ray discs through its DVD/CD read/write optical drive. The optical drive can read several media formats at 8x speed on DVD, 16x speed on CD and 2x speed on Blu-ray discs. 

Sony VAIO VGN-FW350J/B peripherals include 3 USB ports, Wifi, Bluetooth, 1 Firewire port, 1 HDMI output, 1 VGA output, Express Memory Card slot, 5-in-1 memory card reader, ethernet and microphone/headphone jacks. The dolby sound system is awesome with 5 channel output. 

Sony VAIO VGN-FW350J/B laptop comes preloaded with 64 bit windows vista home premium operating system. It includes Windows Media Center which turns your laptop into an entertainment platform for watching DVDs and storing media in a digital library. You can also record your favorite show on television and watch them in high definition or connect your laptop to HDTV and watch DVDs and Blu-ray movies. Microsoft Live anti-virus trial version, Microsoft Office 60 day trial and VAIO music box are also pre-installed. 

Sony VAIO VGN-FW350J/B runs on a rechargeable Lithium-ion battery pack with a 4 hour average life. This is a great laptop with great features available at a very good price. 

Friday, March 13, 2009

Sony VAIO VGN-CS215J/Q Laptop

Sony VAIO VGN-CS215J/Q is very compact 14.1 inch beautiful black laptop with nice design. It boasts Sony quality with superb finish and weighs only 2.8 lbs.

Sony VAIO VGN-CS215J/Q is powered by 2.0 Ghz Intel Core 2 Duo processor, 4 GB RAM, Intel integrated graphics card with 1750MB of shared video memory and a 250GB hard disk. The Intel T6400 processor uses two cores for faster computations while running multiple applications. 800 Mhz front side bus (FSB) and 2MB L2 cache ensure faster processing and improve the laptop performance. 

This laptop comes pre-installed with windows vista home premium 64 bit operating system and Sony multimedia software. Peripherals include WiFi, Bluetooth, Ethernet, 3 USB ports, 1 Firewire, Express Card slot, Memory stick and SD reader and 1 VGA output port. 

The 14.1 inch WXGA screen has a resolution of 1280X800 pixels. The screen is LED backlit for crisp images and high clarity. The screen bezel also sports a webcam and microphone. 

Sony VAIO VGN-CS215J/Q is a great buy available at a price of only $825. 

Wednesday, March 11, 2009

Why Most Small Businesses Don't Work

Michael Gerber clears the myth surrounding starting and running a small business in his book "The E-Myth Revisited". His book talks about the assumptions made by people during several stages of a small business which lead to greater expectations and ultimate failure. The book looks at issues which will help you in the long run in you entrepreneurial journey.

How I Made My First Million

Ewen Chia takes you through his experience of building an internet business empire in his book "How I Made My First Million on The Internet". This book is a step-by-step guide to help you establish your internet business. It explains all the jargon and terms used in the industry and explains them in depth. Ewen Chia teaches you how to earn through the internet by following business leads and selling products online. Create a scalable business and get repeat customers through best deals through this book.

Apple Mac Mini MB464LL/A Desktop

With the Apple Mac Mini MB464LL/A, Apple has redesigned the desktop and reduced it to a 6.5in X 6.5in by 2in thick box. Mac Mini is pure elegance. All you need is to attach a monitor, keyboard and mouse of your choice. Mac Mini is so small that you can actually carry it along. So, all your data and work can travel with you.

Apple Mac Mini MB464LL/A runs on 2.0 GHz Intel Core 2 Duo Processor, a 320GB hard disk, 2GB DDR3 RAM expandable to 4GB, NVidia GeForce 9400 graphics card with 256MB shared memory and 8x Dual Layer Optical Drive. Peripherals include 5 USB ports, 1 Firewire, Gigabit Ethernet, Bluetooth, Wifi and VGA output. It comes preloaded with Mac OS X v10.5 Leopard operating system and iLife.

What more can one ask at a price of $800 only.

Tuesday, March 10, 2009

How to Invest in a Bear Market

Here are some tips to help Invest in a Bear Market:
  1. Diversify. Diversify your investment portfolio. Don't trade just stocks. Try to find more investment avenues. Some of them like Treasury Bills, Exchange Traded Funds, Bonds are nice options which give secure returns with very little risk.
  2. Invest in Blue Chip Stocks. Buy stocks of Blue Chip Companies only. Research all industry sectors and analyze data of companies before you buy. Stick to stocks with good dividend payout history, moderate price to earning ratio and high earnings per share. All these are indicators of good health of the company.
  3. Invest for Short Duration. To minimize risk, invest for short duration not exceeding 3 months. In volatile markets hold stocks only for 3 weeks or so. Try swing trading.
  4. Earn through Option Trading. Options are derivatives which can be used to earn regular income. Option Trading involves several strategies which help you eliminate risk and earn profit. The profit potential depends upon the market situation and the type of strategy used. Writing covered calls (selling options on stocks you own) is one good strategy.
  5. Aim for small returns. Keep a target of earning 3-5% of your invested capital per month. This may sound small but earned consistently adds to 30% return anually.
  6. Invest Small Amounts Regularly. Invest small fixed amounts regularly. This will reduce risk of loosing a large chunk of your capital if you incur loss. Fix 10-20% of your entire capital for investment each month. For example, if you have $30,000 of total capital donot invest more than 10% ie $3000 per month. If you invested the full $30,000 and made a loss of 10% you will loose $3000. But if you invested only $3000 the loss would be much smaller at $300 only. Once your capital grows, the invested amount will grow accordingly at 10%.
Finally, nobody can predict the stock market. There is no investment asset that can give you returns to keep pace with slowdown and inflation. But using your capital wisely and cashing when the time is right will really help in the long run if done consistently. You may like to read the book "The Great Depression Ahead" by Harry S. Dent. 

Monday, March 9, 2009

Best Investment Options

Here is a list of time tested Best Investment Options:
  1. Exchange Traded Funds. Exchange Traded Funds or ETF are just like buying a stock or investing in mutual funds. 
  2. T-Bills. Treasury Bills or T-Bills are a very safe investment option as they are completely backed by the governement. There is very little risk of losing capital and the profit potential is fixed. T-bills are preferred because of there low risk factor and small time frame of maturity.
  3. Gold. Gold is the most happening physical asset. Gold is one asset which can be used to hedge against the risk of inflation and currency fluctuations as it does not loose its value overtime. This is because of popularity and abundance of gold circulating in the market. Check out How to Invest in Gold.
  4. Trade in Index Futures. Day trading in Index Futures can be very rewarding if done properly with proper skill and knowledge. Learn Futures Trading here.
  5. Mutual Funds. Investing in Mutual Funds is easy. It takes time to benefit from investing in Mutual Funds as they tend to grow slowly and sometimes not at all. It important to choose the Mutual Fund properly after doing good research. But they are safe in the sense that you buy and leave them and the fund manager takes care of everything else.
  6. Buy Property. Buy property if you have the capital. Its bound to appreciate and you can earn through rental also.
  7. Try Option Trading. There are several Option Trading Strategies which can be used very safely. The expected returns per month are in the range of 3-5% which amounts to 30-50% per year. Writing Covered Calls (selling options on stocks you own) is one good strategy. 

Free Software for Your Small Business

Instead of paying for softwares, here are free software options which will provide all the services that payed software do.

Free Web Hosting
Microsoft has launched its beta version of Microsoft Live which is a office management solution along with a free domain name and web hosting feature. Microsoft Live interface is well designed and intuitive. It lets you build professional looking websites using its tools and link features like web domains and email IDs to the website. Microsoft Live also offers $50 worth of free advertising on Microsoft Network to promote your website.

Free Document Management. 
Forget about purchasing Microsoft Office Suite. Go for Open Office instead which offers all the features of Microsoft Office at no cost. It supports all the standard file formats like doc, ppt, excel etc and provides the same features that Microsoft Office does.

Free Email Software.
Use Google Apps for hosting your email server at no cost. Google provides 2GB of storage space per email ID. There is no need to install and maintain a costly email server. Google Apps can also be used to to share online documents like spreadsheets and synchronize task schedules. This is a very powerful feature for updating all employees in a group. 

Sunday, March 8, 2009

How to Day Trade Futures and Make Consistent Profits

Here are the steps to Day Trade Futures and Make Consistent Profit:
  1. Learn Futures Trading. Learn the basics of Futures Trading, understand aspects and risks involved with Futures Trading. Making yourself aware of Future Trading Basics will help in making good decisions and exiting any false move before you incur a loss.
  2. Pick any Index Future. Picking stocks would also work but, a particular stock could move against general market sentiment. A stock could go up while the stock market is down. This makes decision making difficult. Sticking with Index Futures eliminates this problem and helps us to follow the major trend.
  3. Watch the Market. Follow the market for atleast a week before taking any positions. Start your day 1 hour before the market opens and read expert reviews on how the market will open. Keep a look-out on how the market develops over the day and follow up after hours and see how it opens the next day. Doing this for a week will give you a good feel of the market behaviour and its highs and lows.
  4. Develop the Trading Strategy. Once the market pulse is measured, let's start with some analysis. Using any Trading Chart freely available online or Trading Software, plot 5 day chart of the index. Note the highest and the lowest values in the 5 days. Also, try and find a day within the last 5 days where the market remained flat. Basically, we are looking for the two patterns shown in the figure above. If this pattern does not emerge, its a no trade. Once these patterns are identified move onto taking the day trade position.
  5. Opening the Trade. If the last trade day of the 5 day period was near the low, take a long (buy) position. If the last trade day of the 5 day period was near the high, take a short (sell) position. For example, lets assume the first chart pattern emerges. Watch the market when it opens and wait for it to get as close possible to the low of the past 5 days. Then take a long position. Exit when the index value approaches the flat day value. This could take more than one day. Square off your position once it is close to the flat day value. The same strategy can be applied for the short position.
This strategy is very powerful and works most of the time. There is no solid reason behind it but the low, high and flat day values work as support and resistance points depending upon what position you take. The market bounces of these values and you make a profit. 

Saturday, March 7, 2009

Problems Faced When Starting a Small Business

Here is a exhaustive list of issues faced when starting a Small Business:
  1. Getting Funds. A good cash backup helps a lot when starting any kind of business. Small business may not require a large amount of capital but it always helps. Startup costs are unforseen and will usually involving buying new equipment, softwares, magzine subscriptions, registration fees etc. Its always good to look ahead and have some cash reserve to absorb such costs.
  2. Small Business Infrastructure. Most Small Business operations can be run from your home office or basement, but if you intend to have a more professional feel and hire 5-10 individuals, then look for a good office space. Its better to buy or own your office space than pay rent. Initially its ok to start on lease but look towards finally moving into your own office. The reasons are obvious because your office property will always appreciate in value and will cut down rent cost.
  3. Building a Business Network. Businesses are not run by brick and mortar. People are required to get and sustain your business. This is where networking comes into picture. If you already have and established name in your domain, things will be easier. If you are starting afresh, building contacts and business links are very important in succeeding in your endeavor. Active particaipation in seminars and trade shows will expose you to individuals in the same domain and people looking for solutions. Make extensive use of social networking on the internet and other media.
  4. Advertising Your Small Business. Think local and then work your way up. Advertise your services in yellow pages, newspapers, distribute brochures and use the internet to your advantage. Ensure that your Small Business brand name reaches to as many people as possible. Include your bio and brand name in email newsletters, signatures, business cards etc. Distribute these while building your business network. 
  5. Hiring and Retaining Employees. Hiring the best hands to help you and retaining them is a major issue. Hiring employees is important because you may then be able to delegate tasks to them and focus on growing your business or build a network. Meanwhile your workforce will continue doing other tasks. 
  6. Getting Business. You have done your homework, setup your office, built a network and hired employees. But everything fails if you don't get business. Don't worry. All the above steps will take you eventually to your first customer and maybe repeat customers. It all depends on how well you have executed your plan and how much time and effort you are willing to put.

Friday, March 6, 2009

Strategy to Invest in High Growth Stocks

Investing in High Growth Stocks is very profitable in the long run. High Growth Stocks are characterised by revenue patterns which consistently rise over a long period of time and fluctuate little due to market conditions. High Growth Stocks are not immune to bear markets but due to decoupling tend to maintain their growth path. Investing in High Growth Stocks is a combined study of market sentiments about a company, its growth stock value, past and future trends. 

For a startup company, growth stock valuation solely depends upon its earning figures since there is no past data to base the calculations on. High Growth Stocks will also not suffer from over-valuation because their stock price would directly reflect the revenue earnings. This way the price to earning ratios remain in good range and there is lot of scope to invest in such High Growth Stocks before they become overvalued. 

Before investing in any High Growth Stock, it is crucial to do thorough analysis of fundamentals. Help can be taken through stock picking softwares and stock picking services. This will reduce taking a wrong decision and ensure that your money is invested in the right stock. 

If you are unsure of which High Growth Stocks to pick, then go for growth stock mutual funds or sector mutual funds. This takes the pressure off your shoulders in picking correct stocks and leave to reap benefits in the long run. 

Good examples of current High Growth Stocks would be technology stocks like Google, Ebay and health care stocks like Abbott Labratories. Investing in High Growth Stocks at the right moment and sticking with your portfolio for long periods will give huge returns in several hundreds or thousands of percentage. 

How to Claim Mortgage Interest Tax Deduction

This article describes how you can benifit from claiming Mortgage Interest Tax Deduction. If any of your property transactions involve buying, selling, leasing or paying property tax, then you can avail Mortgage Interest Tax Deduction.

Mortgage and real estate interest can be directly deducted from taxable income. You will need to fill form 1098 which contains the mortgage interest statement. Form 1098 should be filled to show your total mortgage interest paid and mortgage interest points earned. 

Mortgage interest are deductible for loans of upto $1000,000 if applying as single individual and $500,000 if applying jointly. 

Mortgage tax deduction rates in 2009 are 28% of the total mortgage interest paid for families earning below $250,000. 

How to Setup Small Business

Here are the steps to Setup Small Business:
  1. Making a Business Plan. Start with your original idea then build a business plan around that idea. How to write good business plan is another issue. If you have the writing skills and previous experience it would definitely help. Other option is to use a Business Plan Writing Software. It will help you quickly decide a  Business Plan Format and answer a lot of questions arising in your mind regarding aspects of the business. Successful business plan is very crucial in deciding how your idea is implemented and where it takes you in your endeavor.
  2. Capital for Small Business. Raising capital for small business may or may not be neccessary depending upon personal preferences. Usually a small business operation requires very little startup cost.  However, it is always good to have some cash reserve when starting a new venture.
  3. Small Business Home Office. When its time to finally build your infrastructure, try and do it quickly and effectively. If you operations are small enough, run them from your Home Office. Office space is an added cost which can be avoided. Some essentials are still required like Internet and Phone connection, a Printer fax copy machine, a good Laptop or PC.
  4. Marketing a Small Business. Before starting your advertising campaign have a sound Marketing plan. Branding and Marketing are very important in promoting your business and making the world know of your services. Check out some Business Promotion Ideas. 

Thursday, March 5, 2009

Promoting Small Business Through Marketing Brochures

Here is a list of how to promote your Small Business through marketing brochures:
  1. Include Promotional Items. Nothing brings footfall to your Small Business like a freebie. Getting hold of a promotional item is not that difficult. You can contact a retail supplier and ask for any new product promotions matching your inventory and offer them through your marketing campaign.
  2. Choose Effective Brochure Design. Keep your brochure design simple and attractive. Try putting in lot of images rather than text to explain things. Use highlighted text only as punch lines. The brochure could be single leaf or like a magazine, depending upon how much you are willing to spend and how many items you are promoting.
  3. Decide Brochure Content. Hire a good copy writer if you are unable to come up with content for your brochure. Take ideas from catalogs of products you are promoting. Highlight the uses and advantages of the product.
  4. Distribute Properly. Distribution of the brochure is just as important. An easy solution is to take services of a marketing company which does the job of brochure distribution. It won't cost much and do a decent job. This will save you precious time and energy which you can focus on other things.

How to Grow a Profitable Small Business

Here is a list of things to do which will grow a profitable Small Business:
  1. Start-up Capital. Capital is required when you are starting out to build a Small Business. Whatever be your business model intial start-up costs are always there and its a good idea to have some cash in hand. How much is a matter of opinion. Since a small business operation is small, required capital may not be much. Things like setting up your home office, buying office equipment, computers, software, registration of your business, getting a website etc. will use some money.
  2. Business Plan. Have a sound and flexible Business Plan. Flexibility is important if you have to make adjustments to your initial chain of actions and accomodate any unforeseen situations. This is crucial for survival. Before you even think of a Business Plan, it would be a good idea to brainstorm and research what kind of business you intend to start. This will enable you to get a top side view from all perpectives and tend to any situation that arises when it arises. Business Plan should also include milestones to be achieved by the end of certain time frames. For example, you could set attainable sales target of 1000 sales leads by end of 6 months. 
  3. Start in Profitable Niches. Starting a Business in Profitable Niches has lots of advantages. Demand is high in such niches and its easy to find customers. How much you can earn depends on your profit margins and the products you market. The other psychological factor is the confidence you will get due to early success. This will help boost your interest.
  4. Get the Power of Internet. Internet is a huge medium which can used very powefully. Using Social Networking you can easily market your business across the world. Another important use of Internet is operating an online store. 
  5. Monitor Your Cash Flow. The best way to monitor you inventory and reciepts is through small business softwares. They are very cost effective and easy to use. They have features like keeping track of paid and unpaid bills, tax calculations, cash flow through your bank account and credit card etc. Quicken Home & Business 2009 and TurboTax Home & Business Federal + State + eFile 2008 are examples of such software which are a must have for all Small Business.

How to Maximize Small Business Profits

Running a Small Business can be hardwork and source of big tensions if there are cost overruns. All your effort will go waste if your Small Business does not run efficiently. The whole idea behind keeping your operation small is because you expect to keep good tabs on cash flow, especially that which goes out. 

Small cash out flows add up and create a big stream of loss. Most Small Businesses go into loss because of such small streams which are overlooked. Such losses come in the form of excess bills, excessive expenditure on stationery, phone bills, business trips, subscriptions and membership fees.

The first step involves recognizing these streams. Its going to be difficult to keep tab if you are balancing your sheets manually. There is a lot of scope of error. Its better to opt for automating this process using s software like Quicken from Intuit technologies. 

There are several benefits of using softwares like Quicken. It does not cost much and installation is easy. Once you have update your data into Quicken, it automatically does a profit/loss analysis and even calculates payable tax based on current tax rates. Quicken keeps track of all your bills. You can even connect it to your bank account and credit cards and take into account the cash flow through them while calculating your earnings. 

Using software like Quicken Home and Business goes a long way in reducing your small cash losses and gives you a perpective which will help you plug them. 

Wednesday, March 4, 2009

Quicken Home and Business Software for Small Business

If you own a Small Business and looking for a software to keep track of your costs then Quicken Software by Intuit is the best choice. Quicken Home and Business allows you to track your personal and business expenses all in one place. It allows you to see your profit and loss in your Small Business and allows you to see how your business is doing. You can even calculate all your tax deductions and all possible business deductions that you can avail while filing for taxes. Quicken Home and Business allows you to connect to your bank, credit card, 401(k) plan and brokerage account through a single password. This really helps in keeping a track on your cash flow. By connecting to your brokerage account, you can even take your investment portfolio data to calculate your overall profit and loss. You can use Quicken Home and Business to shop online and get discount on shopped items. Quicken Home and Business has a very good interface for tracking bills. It shows paid and unpaid bills along with due dates. It even lets you see any payments expected by you. Quicken Home and Business is the software for all Small Business.

Small Business Income - How Much Can Your Earn

Before starting any Small Business its necessary to get your goals into perspective and do a thorough feasibility study. Since you are deciding on starting a Small Business, you are actually thinking of keeping costs low by keeping your business model compact and your returns high. It becomes imperative to know priory how much your Small Business can earn. 

Making a Small Business run successfully and earn a return on investment comes much later. According to research majority of Small Business result in failure within the first one year of start-up. There are very few business ideas implemented properly which lead to success. The keyword here is "Implementation". A good Small Business idea if not implemented properly will lead to failure. 

The good news according to statistics is that 90% of Small Businesses which survive the first year and get established make good profit. The profit depends on several factors one of them being what the Small Business caters to. 

The problem with predicting how much a Small Business can potentially earn is because of the large number of variables associated with it. Variables like what is the customer base, is the Small Business Retail or Wholesale, where is the Small Business location, does it have large inventory or run from an apartment etc. 

Ideally, if a Small Business is able to give a return of $40,000 to $60,000 per annum it is considered good. These are not magic numbers and its good for you if your Small Business surpasses them. Its not the end of the road if it doesn't. Breaking even is a good start for a Small Business in the first year. The first year will give you good feeling of how to run your business and tie up any loose ends. 

Here is the punch line. According to statistics, all established Small Businesses posted an average income same as that of salaried individuals. So, its not difficult to reach the $100,000 mark. Perseverance will pay in your Small Business.

QuickBooks Payroll Software for Your Small Business

QuickBooks is an amazing payroll software specifically designed for self-employed or small business owners. QuickBooks is so easy and convenient to use that you can easily cut a check for your employees at the click of a button. 

QuickBooks allows you to calculate taxed for employees before you pay them. This helps to keep your tax calculation up-to-date. You can even file for taxes using QuickBooks. Although it does not include tax forms but it automatically updates for the current tax rates through a net connection.

Its very easy to generate payrolls and tax information using QuickBooks once you have daily employee working hours logged in. This software is a must have for all small businesses and individuals having a small setup.

How to Invest Money Safely

Here are some ways to invest safely:
  1. Invest in Treasury Bonds. Treasury bonds are backed by the Federal Government and safe from adverse market movements. Profit on Treasury Bonds is fixed. Treasury Bonds are bought at face value and upon completion of the maturity period you receive the profit. For example you may buy a Treasury Bond at $1000 for a 10 year period which will pay you regular profit every half yearly till the maturity period, ie. 10 years. 
  2. Invest in Health Care Stocks. The Health Care Sector is very stable and growing at a good rate. The dividend payout is good and this sector has a projection to grow by leaps and bounds in the coming 10 years. There will be huge money pumped in this sector and the health care industry will see lot of technological changes. One good stock from this sector is Abbott Laboratories.
  3. Invest in Stocks with High Dividend Payout. Stick with blue chip stocks which have a good dividend payout history and pay high dividend. Example of such stocks are Energy and stable Technology stocks. 
  4. Buy Gold. Gold is a physical asset and is a good source to fall back on in times of economic adversity. The value of gold always rises and it can be used in lieu of any currency as it is recognised as a sought after commodity in the world market. You can invest in gold indirectly by buying Exchange Traded Funds (ETF) in gold. Donot trade in gold futures as they tend to be volatile. 

Resident Evil 5 Releasing in March

In Resident Evil 5 you are Chris Redfield and thrown into the harsh environment of Kijuju desert where you have to use your survival insticts to succeed. Faced by ever powerful enemies (Ghouls) with advanced AI and attack in teams. Resident Evil 5 gives you access to new and powerful weapons to fight your way through Kijuju. Inventory management is fast and smooth so that you can select weapons of choice fast. 

The graphics engine is amazing and you can perceive differences when you move from bright sunlight to dark places where your characters eyes have to adjust to the dim light. A new lighting effect algorithm and explosions adds realism to the extensive outdoor environment. 

Resident Evil 5 involves co-operative game play where you play as a team of two agents against the enemies. The game focuses on completing missions together and alone. All this makes it the most anticipated game of 2009.

Tuesday, March 3, 2009

Tax Rebate and Deductions for Self Employed

If you are self employed here is a list of tax deductions which can benefit you.

  1. Since you are self employed, you can contribute 25% of your Adjusted Gross Income (AGI) towards a Simplified Employee Pension (SEP) and claim that full amount. For example, lets assume your AGI is $40,000 anually. Allowable limit towards SEP would be 25% of AGI ie. $10,000. You can deduct this $10,000 from your taxable income.
  2. You can deduct costs incurred while making business phone calls, lodging, transportation, subscriptions for work related material, association membership payments etc. if it exceeds 2% of your AGI. Assuming an AGI of $40,000 - if your miscellaneous expenses are $1000 which is greater than 2% of AGI ($800), then you can deduct $1000 from your taxable income.
  3. You can avail standard deduction on your taxable income. If you are single you can avail $3500, if you are the sole earner for your family you can avail $8000, if you are filling along with your spouse you can avail standard deduction of $10,000.
  4. If you have dependents to support then you can also avail a Personal Exemption which stands at $3650 as of 2008. Dependents are defined as children or elderly whom you support financially and bear upto 50% of their costs. 
  5. As a self employed individual, you are also entitled to a deduction of half of your AGI. For example if your AGI is $40,000, then you can deduct $20,000 from your taxable income.
  6. If you are self employed, you are still entitled to tax deduction on interest payed on home mortgage. 

Investing in Gold ETF

Investing in gold through ETF (Exchange Traded Fund) is very easy and does not put any burden on your monthly financial budget. Buying a unit of gold through ETF is just like buying real gold. Gold ETF are available on the stock market and valued based on the current market price of gold. Banks take physical delivery of real gold and then issue ETFs in units of gold.

A single unit of gold could be as low as 1/20 of an ounce and cost just about $50. Depending on the cash you have available every month you could buy units of gold ETFs. Lets say every month you earmark $50 and buy a single unit of gold. 2 years down the line you would have accumulated an ounce of gold through ETFs and your portfolio will be valued depending upon the price of gold at that time.

If you intend to take delivery of your gold, you can submit your ETFs and get gold in physical form such as coins of bars. You could just liquidate the ETFs and take cash delivery also.

Monday, March 2, 2009

Right Time to Buy Gold

Gold has already touched $1000 an ounce and predictions are that it will go higher. There are several factors which are increasing the demand for gold and thereby increasing its value. Big financial institutions and private wealth managers are hedging against the current economic downturn and hoarding gold. Gold has proven to a safe asset with a price which is true to its value. Basically an ounce of gold will cost the same (maybe even more) even if the value of currency goes down.

Although gold has increased tremendously in the last one year, there is a lot of scope for it going further higher up. The current bear market is going to last for at least the next 3-5 years, so gold has this time to stabilize and move further up. Because of the bear market, many assets will loose value which will even more fuel the demand for gold which is a physical asset. Unless there are stable currencies, this demand for gold is bound to increase. This is the right time to buy gold.

How to Invest in Gold

Investment in gold is used as a hedging strategy against market fluctuations, inflation and economic or political turmoil. Throughout history, whenever there have been times when economy was weak or the economic markets were affected due to political situations like war, people relied on gold as an asset in lieu of normal currency.

Bullion gold coins are a good way to start investing in gold. Government issues bullion gold coins in troy ounces and they range in weight from 1/20, 1/10, 1/4, 1/2, 1 ounce and even 1000 gms. Gold coins should not be confused with collector item coins which are valued based on their rarity and factors such as date of issue. The idea behind buying Bullion gold coins is to hedge against fluctuations in stock and currency markets when gold value tends to increase or remain stable.

Another good option is to buy Exchange Traded Funds (ETFs) which are backed by real physical gold. Futures and Options in gold are highly speculative markets and are best avoided due to large range fluctuations due to betting.

There are certain financial institutions and banks which offer Gold accumulation plans. All you need is to allocate a small some of money into the Gold Accumulation Plan (GAP) which is then converted directly into physical gold. You can either take delivery of gold or get the money back upon completion of the term. If the gold price increases during this time, you would be in profit. GAP allows you to invest small amounts regularly and still insure that you are able to diversify your investment into gold without actually buying a tonne of gold at once.

Toshiba Qosmio X305 Q725 Laptop

Toshiba Qosmio X305 Q725 is a gaming monster with Intel Core 2 Quad-Core 2Ghz Processor, 4GB DDR3 RAM, 64 GB Solid State Drive, 320GB Hard Disk and NVidia GeForce 9800 GTM graphics card with 512 MB of dedicated memory.

Toshiba Qosmio X305 Q725 graphics card renders the best quality images, amazing textures, real flesh tones, realistic shadows and lighting. Combine this with a Harmon Kardon speaker system with sub-woofer built into the laptop and you get amazing 3D gaming experience. You can play games at full resolution of 1680X1050 pixels on the 17 inch motor. The graphics card is compatible with DirectX 10.

Toshiba Qosmio X305 Q725 sports a Dual Layer DVD Drive which can read/write several media formats. Other peripherals include 4 USB Ports, 1 Firewire, 1 HDMI, 1 VGA, 1 Express Card slot, 5-in-1 Card Reader, wireless lan, wireless ethernet and bluetooth.

Toshiba Qosmio X305 Q725 comes pre-installed with both 32 and 64 bit windows vista home premium sp1 operating system.

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Toshiba Satellite U405 S2915 Laptop

Toshiba Satellite U405 S2915 is a very sleek and ergonomically designed laptop with 13.3 inch screen and weighs only 5 pounds. Toshiba Satellite U405 S2915 trubrite LCD screen displays vivid images with high color depth at 1280X800 pixel resolution.
It is powered by 2.0 Ghz Intel Core 2 Duo processor, 4GB RAM, 320GB Hard Disk and Intel Graphics Card with 2GB Shared memory access.

Toshiba Satellite U405 S2915 also sports a 1.3 megapixel camera in the screen bezel. The webcam can be used for chatting, webconferencing and also doubles up as face recognition interface which personalizes your laptop. Toshiba Satellite U405 S2915 has a dual layer DVD read/write drive which can read several media formats. You can access any multimedia file through shortcut buttons on the laptop.

Toshiba Satellite U405 S2915 laptop peripherals include 3 USB 2.0 ports, 1 Firewire, 1 VGA, 1 S-Video, 1 Express Card Slot and 5-in-1 memory reader slot. It comes pre-installed with windows vista home premium operating system (64 bit).

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Sunday, March 1, 2009

Price to Earning Ratio of Stock - PE Ratio

Price to earning ratio of any stock is simple calculated by dividing the current price of the stock by the total earnings per stock after tax and other liabilities are taken into account. PE ratio is an indicator of investor sentiment regarding a company's future prospects. Usually, a high PE Ratio depicts a faster growing company and investor confidence in such company is high. However, while comparing two companies in the same sector with similar capital base and earnings, a higher PE ratio would indicate an overvalued stock.

PE ratio can be used very effectively while picking stocks. The basic idea is to catch a stock before it gets overvalued (high PE ratio) and thereby has a tendency to reverse and fall back. This can be acheived by looking at historical data for a stock and calculating and average PE ratio. If the stock is below or close to the average and market conditions are favourable, then it would be a good strategy to buy into such a stock.

Toshiba Satellite P305-S8904 Laptop

Toshiba Satellite P305-S8904 is a beautifully designed sleek laptop with a huge 17 inch screen, top performance, large memory and disk space. Toshiba Satellite P305-S8904 is powered by 2.0 Ghz Intel Core 2 Duo processor. A huge 4GB RAM (extendable to 8GB) along with Intel Graphics card which utilizes upto 2GB of shared memory insure that every heavy application and game runs smoothly.

The 17 inch screen sports a 1.3 megapixel camera in the bezel. With a resolution of 1440X900 pixel and trubrite technology, Toshiba Satellite P305-S8904 screen renders high quality images and videos. Toshiba Satellite P305-S8904 packs a Dual Layer DVD read/write drive which can read several formats. You can even bypass the Laptop and use the DVD to watch movies on the touch of a button.

Toshiba Satellite P305-S8904 peripherals include 4 USB 2.0 ports, 1 Firewire, 1 Express card slot, VGA output, microphone/sterophone jacks, ethernet port, 5-in-1 memory card reader and 802.11g Wifi wireless.

Toshiba Satellite P305-S8904 Laptop comes preloaded with windows home vista premium operating system, DVD Movie Factory, Norton 360 security (30 day trial), Microsoft home office (60 day trial). It runs on a 6 cell Li-ion battery pack for extended working.

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Toshiba Satellite L305D-S5935 Laptop

Toshiba Satellite L305D-S5935 is an amazing onyx blue laptop with glossy finish and 15.4 inch screen size. Toshiba Satellite L305D-S5935 is powered by AMD Turion Dual Core RM-72 2.0Ghz processor, 3GB DDR-2 RAM and with a 250GB disk space.

Toshiba Satellite L305D-S5935 uses ATI Radeon 3100 graphics card which uses 2GB of shared memory for running heavy applications and games. It also features a 1.3 mega pixel camera in the screen bezel. Toshiba Satellite L305D-S5935 comes preloaded with windows vista home basic operating system. Its DVD optical drive can read/write several multimedia formats and uses dual layer technology.

The large 15.4 inch screen has a resolution of 1280X800 pixels which renders very crisp images. Combined with the ATI graphics card, Toshiba Satellite L305D-S5935 laptop delivers real good performance when watching HD movies or playing games.

Toshiba Satellite L305D-S5935 peripherals include 3 USB ports, wireless lan, 5-in-1 memory card reader, express card slot and microphone and sterophone ports.

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Saturday, February 28, 2009

Toshiba Qosmio X305-Q706 Laptop

Toshiba Qosmio X305-Q706 is a gamers delight with very high-end graphics and sound system. Toshiba Qosmio X305-Q706 sports 4 high fidelity speakers with sub-woofer system which will drown you into real sound. Toshiba Qosmio X305-Q706 graphics engine heart is NVidia GeForce 9800 GTS graphics card which provides 1GB of dedicated memory.

Toshiba Qosmio X305-Q706 is powered by 2.26 Ghz Intel Core 2 Duo Processor which delivers a high performance. Combined with a 3GB RAM you will be able to run heavy application like 3D Softwares and Games at high resolution with ease. Toshiba Qosmio X305-Q706 includes a DVD Dual layer drive for multimedia entertainment. It can burn CD's and DVDs. Multimedia can be controlled by a remote provided with the laptop. Toshiba Qosmio X305-Q706 has a huge hard drive of 320 GB which you can use to store all your games and multimedia files.

Toshiba Qosmio X305-Q706 has a 17 inch screen with 1680X1050 resolution which delivers very crisp images and ultimate gaming experience. Peripherals include 4 USB ports, 1 Firewire, 1 HDMI, Express Card, 5-in-1 Memory Card Slot, Bluetooth and Draft-N Wi-Fi (802.11b/g/n) Wifi.

Toshiba Qosmio X305-Q706 Laptop comes loaded with windows vista home premium with both 32 and 64bit version.

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