ADUTAINMENT: Advertising as Entertainment
JellyBasket.com - JELLY by the CASE or as a GIFT BASKET.

New Video Web Site Helps Entertainers Shine
Recently launched Talentainer.com allows entertainers to post videos of their latest and greatest acts in hopes of landing new gigs. Since the site debuted just over a month ago, it has attracted award-winning comedians, mimes, circus entertainers, disc jockeys, masters of ceremonies and other "event enhancers" interested in giving the world a sneak peak at their performances, rates and geographic parameters. In fact, within weeks of the launch, a number of famous acts have signed on who have appeared before the Queen of England at Buckingham Palace and on "America's Got Talent" and "Late Show with David Letterman.

A Review Of The Top Network Marketing Magazines
When you are getting started in Network Marketing, no one likes to feel that they are alone, and this is exactly the feeling that Network Marketing magazines tap into. Network Marketing Magazines have been in business since Network Marketing got underway, but it is only now that people are beginning to pay attention to them as real media that is worth of attention.

StartupNation's New Blog Offers Tips and Marketing Secrets for Home-Based Business Success
Christine Hanisco of The Dippy Chick Company offers perspectives and advice for "homeprenuers"

Business Crunch Questions
Good questions can elicit good, thoughtful and inspired answers. Bad questions have a tendency to generate bad answers. The issue is to be able to select the right questions at the right time.

Protect Your Business With Non-Disclosure Agreements
Every business should protect proprietary information when dealing with independent contractors, vendors and other businesses. The best way to do this is to use a non-disclosure agreement, often referred to as an "NDA.

Littleton Advertising & Marketing Named Vanguard Homes' Agency of Record
Vanguard Homes, one of North Carolina's leading energy-efficient homebuilders specializing in innovative home designs that fit today's modern lifestyles, has named Littleton Advertising and Marketing its agency of record.

ViaSat Wins Award from Entel Chile to Supply VSAT DVB-S2 Broadband Network for Business and Government Services
ViaSat Inc. (NASDAQ:VSAT) will supply its LinkStar(R) DVB-S2 satellite networking system to enable Entel Chile to expand its communication services for education, business, and government in Chile. The contract includes installation and integration of a satellite network hub with LinkStar(S2) terminals in Santiago de Chile. Deliveries of the hub and first shipment of close to 400 broadband VSAT terminals are scheduled for this month, with commissioning of the network planned for March.

Gasoline Prices And Your Business
If you own a business, you know by know that you will have expenses no matter what kind of business you run. Some expenses are predictable while others can be unpredictable like gasoline. If gas prices go up, this means that more money is leaving your pockets. If the prices go down, this means more money in your pockets, which you want. If you find yourself in a tough bind, try and remember these tips.

Canvas Printing - Good Business Sense
The latest thing in the world of professional photography is printing photos on canvas It is practically the perfect material to display photos - it's durable, artistic, unique, capable of representing high resolution images with utmost clarity and vividness, and most important of all, affordable

Printed Paper Christmas Cards Still Set the Standard for Business
Tradition and permanence of paper cards make them a better choice than e-cards for reinforcing customer relationships in an increasingly frenzied world, according to marketing experts at Holiday Cards Unlimited.

Be Better at Business – And Lose Weight, Too!
In business, individuals often secure the services of a success coach like myself to "fix" certain areas of their professional life. The desired fixes typically range from a desire for a promotion and/or a salary increase, to on-the-job performance enhancements, to improving one's personal productivity, to boosting one's level of enthusiasm about their job.

Different Aspects of Affiliate Marketing
Before you dive in the world of affiliate marketing you need a little more explanation of the total procedure. I would explain to you step by step what you exactly need to know to have a comprehensive beginning of your affiliate marketing career.

The Benefits of Pressure Washing and Hiring a Business to Do it For You
When many homeowners think of ways to make their homes look better, they consider getting services like lawn maintenance, gutter cleaning, window washing and home cleaning While all of these services are necessary, many homeowners fail to consider their sidewalk and siding and what condition it is in

Internet Based Business: How Single Parents Could Earn Extra Income For The Entire Family
Are you a single parent who has been trying to support your children on a single income? If you have been having so much trouble making both ends meet with your present income, you might want to earn some extra money by setting up an internet based business. A big family with children can be very expensive and you definitely will need to earn some extra money to keep everyone comfortable. Having some extra money could really do wonders for you and your small children so you better start exploring other means of getting extra money for your children through an internet based business.

How To STAY on TARGET with Your BUSINESS Plans
Set your GOALS - write them down! Most of us have specific ideas and plans for achievements over time ~ and that is a GOOD thing for all..

Are Mortgages a Risky Business?

A bank or mortgage company is nothing more than a box in which to keep money. The owner of the box has to do a few calculations. Firstly, how much is he going to offer those people who deposit cash in his box, in return for such a deposit? Secondly, how much of that money should he keep as cash in case the owners of that cash want it back? Maybe 5%, maybe 10%, what are the regulations in his jurisdiction? Thirdly, how much is he going to charge those people who wish to borrow the money of others, previously deposited in his box?

The person who owns the box then sets out to find lots of other people to put their spare cash in the box, in return for which he promises to give them their money back plus interest. In the eyes of some economists, these people are lenders and not investors. This terminology is based on the fact that the capital investment of lenders does not change, whereas the capital value of investors, in stocks or property for example, can go up or down. The owner of the box then has to find other people who do not have spare cash, but in fact wish to borrow it.

Fixed or variable?

Both the lenders and the borrowers can sometimes be bewildered by the variety of terms offered by such institutions. The easiest terms to understand are those that are based on a current rate that will vary according to the market for interest rates, which alters daily, although the companies will try to even out such daily fluctuations with only periodic changes in the rate. Fixed rates, for a given period, are more difficult for the average lender or borrower to understand, a fact that has given rise in the past to greedy companies being able to reap huge benefits from such lack of knowledge. The reason for an institution wanting to attract deposits at a fixed rate could be based on the fact that their advisors calculate that interest rates are going to rise. Should they find it possible to attract deposits at e.g. 3% over 3 years, and then find that current rates are 5%, they will be somewhat pleased. In the case of a borrower finding that they are in this situation they should be congratulated for being better at guessing than the company's advisors. On the other hand, a borrower tied in to a contract at say 10% for several years who then finds that rates have dropped to 5%, will not exactly be celebrating. In my short experience since I started at university fourteen years ago, I have seen deposit rates vary from 14.5% down to 1.5%.

Is a bank safe?

There is also a common belief among lenders that their capital is safe. In the absence of a government or similar state authority providing such a guarantee, this can be far from the case. At university one of the cases we studied, was that of a particular savings bank. A rumour went around the city that the bank was in trouble. A great number of people went to the bank to withdraw their savings. Those that represented the first few % of the total deposit had no problem. When the percentage rose to 6%, which in this case was the amount decided by "the owner of the box", the rumour became fact in that there was no cash to pay out to depositors. As this was in a country in which the owners of all the boxes were members of a club, the aim of which was to protect the undeserved, but perceived, reputation of said members, the members sent round security vans with sufficient cash to pay out all those who people who "had taken notice of an unfounded rumour." Things quietened down after a while, and the government decided to introduce legislation to create a minimum liquidity level.

Another case we studied was that of one of the world's largest banks, the board of which was mainly composed of greedy souls. They had decided that the stock market was a good place to keep the liquidity margin, so that in the event of a bear market, they could create more profit for the shareholders. A sudden bear market wiped out the liquidity margin, and the bank came within a hair's breadth of going belly up.

Once the bank has reached a substantial size, the liquidity should be sufficiently large to cater for all such panic withdrawals, unless of course the panic is as great as 1929.

For the borrower it provides a necessary service, and apart from penal conditions imposed on borrowers, is a vital service to our society. From the investor's point of view, it depends firstly on the mentality of the treasury function within the bank, and secondly the legislation that governs their actions and accountancy practices. From the investor's point of view, considering investing in the stock of such an organisation, it depends entirely on an analysis of the bank's net worth and profitability. Both the examples mentioned above have since gone from strength to strength, and have since been bought for more billions that most of us can count.

Jenny Barclay majored in math. and economics, and obtained a masters in viability of banking institutions. She is currently studying Spanish in Andalucia, Spain. This article may be reproduced on websites subject to credit being given to the author, and a link to her website.

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