What Does Well in a Recession-How to Get Rich During a Recession

By Mathew S. Robar

So we have seen the economy in better times, sure but there are a lot of opportunities out there right now. It is our duty as citizens of a capitalist nation to seize the day and bring home some cash!

A recession is defined as "a period of reduced economic activity". With that in mind, lets dive into how we are going to make these riches.

At the top of the list of things to do would be start your own business in one of the recession niches that have undoubtdly already started to form.

So what is big right now in America? Well, loan modification of all the bad mortgages that got us into this mess. Debt settlement from all the people who spent too much thinking the housing market would never crash and now need to get bailed out. Finally we have an influx in the operation of home based businesses.

Now the first two niches can make you a lot of money but they often require a financial background and some startup capital. The 3rd option on the other hand is an interesting alternative.

PEople want more than ever to make a little extra money on the side and by offering them an opportunity to do just that, you can also generate an army of people working hard to generate you a residual income.

There are a multitude of companies out there that incentivize their employees to have other people grow a business as well. Some companies even offer a residual override on anyone that joins the business off of your referral or under you as a sponsor.

This is a rapidly expanding market right now. More and more people are getting involved with home based businesses every day. You just need to be there to guide them in the right direction and show them the light that you have already seen.

Good Luck out there... - 15790

About the Author:

See the Ultimate Recession BusinessMoney Generating Online Business

Bay Area jobs are an IT heaven

By Alex Wu

San Francisco Bay Area is the core of IT jobs in the Northern America. Bay area jobs offer the highest salaries in the sector and also the widest range of insurance coverage for their employees. No wonder that savvy professionals in both internet and informatics field have been looking for Bay area jobs and have been moving to the area massively last two decades. IT employment is,by far,the most highly evolving trend in last two decades and attracts corporations to develop in that direction. Given the history - short but successful - of the Northern California, many popular and successful internet businesses are located right here: Google, Digg, and Sega,as well as Technorati and Cnet, to mention just a few of them.

Bay area jobs occupy the greatest share of employment in the US on the IT field,according to studies and statistics that follow the migration of IT experts to the Bay area for the last twenty years. The combination of high salaries and great insurance - benefit packages are the most appealing advantages of the Bay area jobs. These studies also indicate that the numbers of IT job openings have reduced the last five years, but still remain the highest in the Northern America, for a reason. This reason is that although the area has been famous, mostly, for the Internet service providers and IT distributing companies, a large number of manufacturers decided to headquarter in the area, creating increasingly more jobs.

The Bay area jobs are attractive to people with significant intellectual talent and technology insight. The area is considered to be the paradise for graduates and IT savvies, as the 35% of the residents that hold a bachelor degree,have actually studied something related to information technology.

San Francisco is the third US city in concentration of University graduates and IT degree holders, behind Seattle and Austin. The most impressive is though that more than 60% of those who choose to move to the Bay area hold an IT degree and the actual reason of moving is a job related to their studies.

The increasingly growing need for IT professionals and restructuring of market demands towards IT services, create mere opportunities for information technologists. This is fact that also brings higher salaries and benefits for the employees. The Bay area is the leader in this department as well.

Remuneration packages and full benefits for 'minorities', including gays and people with physical deficiencies, bring the Bay area jobs among the most wanted in the USA. A recent statistic shows that the revenues for the average employee are 20% higher in the area than in other places, for the exact same job.

If looking for a well paid in a well appointed place, then you should consider expanding your search in the Bay area. There is probably some well paid job for you too. - 15790

About the Author:

Alex Wu is fascinated by numbers and trading in marketplace. He wants to build a Bay Area jobs site that leverages the power of social network to facilitate business hiring in his employment classifieds website.

Improve your Credit Score

By Kay Riter

You should know your credit score and you should strive to get it as high as possible. Your credit must be good if you ever want to get a loan or credit card. You need to know your credit card and continuously work on building it up.

Bad credit can be caused by paying bills late or not paying them at all. You might not have any credit if you've never been granted any, which is where most young people are. Even despite no credit or bad credit, you can work to repair it and build it up.

If you have no credit, you'll need to get some. Some people mistakenly think they need to get 5 major credit cards and start charging the heck out of them in order to build credit. You actually don't need one credit card to build credit, there are other ways. First of all, paying off any kind of loan will build credit, and you can get one if you need it and don't have credit.

If you are good with your money and have someone that can trust you that has good credit, they can cosign for you. For example, if you want to take out a small loan for a car and you have no credit, your parents can cosign with you to get the loan. If you don't pay, your cosigner will have to pay, but of course, you will pay because that is what you need to do to build credit.

If you don't need a loan or you want to take a less aggressive credit building path, there are other things you can do. If you have a cell phone plan, every time you pay your bill on time, you are building good credit. If you buying a computer or other electronic on credit, each bill you pay will help your credit.

I don't recommend financing something you can afford to pay for now, but financing it and paying it in a month or two can build credit and only cost a little in interest. Pay every bill on time and you can build good credit.

If you have bad credit, you have to improve it the same way. If you haven't been paying bills on time, you must start. This will both stop your credit from spiraling down and reverse it. Pay your bills and your credit will improve.

If you have bad credit, you probably spend more than you make. This is reckless spending. You need to start budgeting and get a plan to pay all your bills on time every time. Stop using credit cards and pay your bills on time. - 15790

About the Author:

What is a good credit score? This is probably a question many you ask. Get your personal credit reports to learn how your credit is.

Used Office Furniture Is A Hit

By Jerry McGuiness

There are many different types of office furniture available for the consumer today. The varying types can cause a purchaser quite a headache if they do not have a set ideal in mind before setting out to create the perfect office. A concise list of the types and uses of office furniture is needed for the professional with not a lot of time for research.

Depending upon the need of the purchaser, the style of desk is the beginning of the decision making for the perfect office. The rest of the office accessories fall into place after the desk has been chosen. The different styles of desk are modern/contemporary, modular, or simple.

Having become less artistic and more functional, the modern/contemporary desk is designed for space saving rather than visual pleasure. With many sections for convenience, the modular desk is a handy workplace. Still elegant and professional, the simple desk is just a desk with no frills.

If there is a tremendous amount of work to be done, the modular desk is the best choice because it has all the essentials in one spot. Cabinets and filing drawers are attached in various spots on the modular desk. The convenience of these desks does not interfere with the professional and stylish appearance.

A simple desk would be efficient for an office space that is for discussing further operations or signing paychecks. There are no frills or additional parts for a simple desk. Purchased separately, the necessary accessories are chosen by the purchaser.

However, if the professional needs a workspace where the employee would feel his or her authority, the modern/contemporary style would be best. This type of desk is sometimes larger and seemingly more powerful than other desks. This desk also has attached accessories, such as cabinets, but not as many nor is it as showy as the modular desk.

All types of desks are made of a wide variety of materials. The more expensive desks are made of maple, cherry, oak, or another solid wood. Materials like melamine laminate surfaces and aluminum make the lighter, cheaper desks.

For a desk that is sturdier for long-term use, choose a wooden desk. If used within the proper specifications designed for them, the desks made of the lighter material, like cubicles, can also be sturdy. As long as they are used properly, any desk will last through the tests of time.

The purchase of accessories depends upon which type of desk was chosen. Though the modular desk is self-sufficient, there is one accessory that is needed: the office chair. Extra cabinets and storage units are necessary when purchasing any other type of desk.

If the office chair purchased does not promote a stress-free body, the work suffers. The key to better productivity is the fundamentals of comfort, or ergonomics. The ergonomics of a chair define which one should be purchased.

Office furniture and its many different aspects create a complicated selection for the consumer. A simpler decision is made by knowing what is available and what is needed. Choosing the correct furniture to suit the office depends upon what type of office the consumer has or wants. - 15790

About the Author:

The ensign and patterns of your modern furniture should always compliment the generally color of your room. Used Office Furniture Michigan This is manifested also in our office furniture that adapts to technology as it evolves. Convenience is also another lead when you obtain stuff from online supplies.

Capped Calls, Voip Phone Systems & LCR

By Chris Johnson

BT the UK's largest telecoms provider is dangling the carrotof caopped calls as a means of persuading customers to enter into 1 or 2 year agreements. I have written this article to find out if 'call capping' actually benefits the average business.

The problem with trying to decide if BT's deals are good or bad is the difficulty in obtaining information - BT's website does not seem to give call rates up easiliy - their pricelist points visitors to 58 mult-page documents hence, information is not made easy to find. The helpless search utility provided also proved equally challenging at delivering any form of reasonable data - email contact also proved tough hence calling was best way.

Armed with call rates call rates for BT & a few other telecoms prividers, I had to to establish the average call length - BT were not forthcomming with this information. Luckily for me Telecost performed this task in 2002 - they studied the phone records of 100 companies around the UK in various industry sectors. In total some 2 million records were analysed - of course some time has gone by and without a bigger study it is difficult to be certain - but here are the results:

Average length of call to a mobile (07 numbers) - 110 seconds.

Average duration of national call (01 number) - 112 seconds.

Average length of call to landline (02 numbers) - 121 seconds.

Assuming that an average UK call length is 2 minutes then:

A 2 Minute call at BT standard rate to mobile would cost 45p and to landline would cost 15p (inc call setup fee).

A 2 minute mobile call using BT's 'Business Plan' is 25p (capped) and a 2 minute landline call is 8p on a 1 year contract.

A 2 minute call on BT's 'Oneplan' to mobile is 20p(capped) and to landline is 5p(capped) on a 2 year contract with 2 extra BT services required.

A 2 minute call using Westlake LCR to mobile is 18p and to landline 2.5p on a one year contract.

A 2 minute mobile call using Midland LCR to mobile is 16p and a 2 minute landline call is 1.8p on a 1 year contract with a minimum call spend requirement.

A 2 minute call through Gradwell Business VOIP to mobile would cost 20p and a 2 minute call to landline would be free (on all inclusive tarif else the call would cost 2.5p) on a 3 month contract.

Based on the above information above being correct the conclusion therefore is:- if your business makes average length calls then LCR or VOIP providers offer the best call savings. If your bunsiness makes long phone calls on a regular basis then BT will be the better choice, but then...

The most efficient way to route business calls is to use a telephone system such as Asterisk which is able to route calls via the most efficient methods: ie. route all national calls through VOIP hence take advantage of free calls and unlimited outbound trunks. Route mobile calls through GSM gateways to take advantage of free calls to staff mobiles & lowest possible mobile call rates(1.45 -4.5p/min). It is also a good idea to have a few BT lines on Oneplan to route long calls. This method also allows gives the user the benefit of mutiple failovers.

This is guide to help UK companies make a more informed decision about their comms - the information above was obtained on Sept 08 hence e&oe. - 15790

About the Author:

The author is an established VOIP phone systems consultant and has worked in the industry since 2003. Check out UK Call Rates for the latest BT, LCRs & VOIP ITSP tariffs & price comparisons.