Elektroniske Cigaretter – A Better Substitute To Smoking

July 3, 2017

It is a new invention that everyone who smokes should know. This is called the(cigarro electronico), also known as a smokeless cigarette e-cigarette(sigarette elettroniche), and it is to change the legal landscape for cigarette smokers in the world.
The patented(elektroniskas cigaretes) offers to effectively simulate the experience of smoking a real cigarette, without any of the legal and health issues surrounding traditional cigarettes.

While(elektronines cigaretes) look, feel and taste much like traditional cigarette, they work very differently. You see,do not burn tobacco, but when you inhale an e-cigarette, you must enable a “flow censor,” which releases a vapor containing nicotine, propylene glycol and a scent that simulates the taste of tobacco. All this simply means that the(cigarros electronicos) allow you to get your dose of nicotine while avoiding all the carcinogens in traditional cigarettes such as tar, glue, hundreds of additives and hydrocarbons.

In addition to being healthier than conventional cigarettes, and perhaps most important, is the fact that (sigarette elettroniche) are perfectly legal. Since the (cigarro electronico) is not related to tobacco, you can legally burn them anywhere that traditional cigarettes are prohibited such as bars, restaurants, workplaces, even airplanes. In addition, e-cigarette(cigarettes electroniques) you can smoke without fear of harming others because of cigarette(cigarro) smoking bad.

Cartridges are available in a wide variety of tastes and strengths of nicotine. For regular, menthol, also the apple and strawberry flavor cartridges and nicotine strengths come in full, a medium, light, and no. While electronic cigarettes(elektroniskas cigaretes) are technically “alternative to smoking”, rather than smoking cessation device, the range of nicotine strengths offers clear opportunities to support those trying to quit smoking, and seems to be proving to be popular in these markets.

The nice thing about that you say, nicotine patches, electronic cigarettes that give the same tactile sensation and oral fixation that the desire of smokers, while satisfying the desires of snuff as well. When you take a drag n electronic cigarette really feel your lungs fill with smoke flavored snuff warm and the waves of smoke exhaled from your lungs as the regular snuff, however, as mentioned, the smoke is actually a lot more water vapor that evaporates quickly heals and not offend anyone in the vicinity.

There’s really only one method to quit smoking: Will. Lots of people state that cold poultry may be the toughest method to stop smoking, with valid reason: they’re going on all the wrong manner. If guess what happens you need to do, and stomp your desire to have cigarettes, before you begin, you’ll have the ability to maintain and not think back!

Need to know much more about giving up smoking with the first? Take a look at a few of these books to prevent smoking and find out how easy it may be really quit!

Although the have been around for a while ‘in various incarnations, is of recent developments in technology and increased restrictions on smoking that have led the e-cigarette can be found in the new popularity. If you are interested in a healthier alternative to smoking, or if you just want the freedom to smoke wherever and whenever you want, the electronic cigarette could be the solution you’re looking for.

Discount Car Rental Deals – Tips For Finding The Best Rates Online

July 15, 2017

The start of the season has already been an excellent start for any search regarding discount car rental deals. As it would be simple to end up being stressed by the whole set of offer within the web-based business, follow this advice intended for simpler look up amongst providers.

For starters, you have to be aware of that you can find a couple of types of providers which are supplying discount car hire deals. In order to save you valuable time, it’s not a secret to expert renters the fact that major worldwide businesses cost more whereas broker agents that team up with them are certainly more low-priced and simpler to acquire large bargains from suppliers.

Therefore the broker agents have the ability to offer the equivalent vehicle class at a lower price. Focus on broker agents in search for the purpose of best offers. Next, there are particular nations which are normally less costly than others. Greece, Cyprus, Slovenia, Malta, Spain, Croatia, Serbia, Bosnia and Herzegovina, Hungary, Italy, Germany, Austria, Switzerland as well as Turkey are among the most cost-effective rental car marketplaces throughout Europe.

At the same time Scandinavian regions tend to be famous for much higher starting fees in European union in default in comparison with previously discussed nations Renting a car in Norway, Sweden, Finland or Iceland will never be as cheep as renting a vehicle in Greece. Arranging beforehand is by no means too early.The second the holiday, business travel schedules are identified to you, reserve a vehicle straight away.

Using this method you will enjoy a couple of critical goals: find discount car rental deals effortlessly as last-minute booking and even you will have much more choices to select from in terms of vehicle class diversity.

Finest discount car rental deals in this year are incredibly excellent valued furthermore in Middle East locations together with several European popular area favored by British and Russian as well as German travelers. In order to find out more which places tend to be this year car rental deals supreme destinations check out car rental deals web page and check the rates.

In addition, iPhone and android phone owners can download an application developed to help you find the best car rental deals online. By having an application on your phone you have ability to check out the prices just when you need to without using computer and having an internet connection.

Home Buyers and Sellers Real Estate Glossary

July 3, 2017

Every business has it’s jargon and residential real estate is no exception. Mark Nash author of 1001 Tips for Buying and Selling a Home shares commonly used terms with home buyers and sellers.

1031 exchange or Starker exchange: The delayed exchange of properties that qualifies for tax purposes as a tax-deferred exchange.

1099: The statement of income reported to the IRS for an independent contractor.

A/I: A contract that is pending with attorney and inspection contingencies.

Accompanied showings: Those showings where the listing agent must accompany an agent and his or her clients when viewing a listing.

Addendum: An addition to; a document.

Adjustable rate mortgage (ARM): A type of mortgage loan whose interest rate is tied to an economic index, which fluctuates with the market. Typical ARM periods are one, three, five, and seven years.

Agent: The licensed real estate salesperson or broker who represents buyers or sellers.

Annual percentage rate (APR): The total costs (interest rate, closing costs, fees, and so on) that are part of a borrower’s loan, expressed as a percentage rate of interest. The total costs are amortized over the term of the loan.

Application fees: Fees that mortgage companies charge buyers at the time of written application for a loan; for example, fees for running credit reports of borrowers, property appraisal fees, and lender-specific fees.

Appointments: Those times or time periods an agent shows properties to clients.

Appraisal: A document of opinion of property value at a specific point in time.

Appraised price (AP): The price the third-party relocation company offers (under most contracts) the seller for his or her property. Generally, the average of two or more independent appraisals.

“As-is”: A contract or offer clause stating that the seller will not repair or correct any problems with the property. Also used in listings and marketing materials.

Assumable mortgage: One in which the buyer agrees to fulfill the obligations of the existing loan agreement that the seller made with the lender. When assuming a mortgage, a buyer becomes personally liable for the payment of principal and interest. The original mortgagor should receive a written release from the liability when the buyer assumes the original mortgage.

Back on market (BOM): When a property or listing is placed back on the market after being removed from the market recently.

Back-up agent: A licensed agent who works with clients when their agent is unavailable.

Balloon mortgage: A type of mortgage that is generally paid over a short period of time, but is amortized over a longer period of time. The borrower typically pays a combination of principal and interest. At the end of the loan term, the entire unpaid balance must be repaid.

Back-up offer: When an offer is accepted contingent on the fall through or voiding of an accepted first offer on a property.

Bill of sale: Transfers title to personal property in a transaction.

Board of REALTORS® (local): An association of REALTORS® in a specific geographic area.

Broker: A state licensed individual who acts as the agent for the seller or buyer.

Broker of record: The person registered with his or her state licensing authority as the managing broker of a specific real estate sales office.

Broker’s market analysis (BMA): The real estate broker’s opinion of the expected final net sale price, determined after acquisition of the property by the third-party company.

Broker’s tour: A preset time and day when real estate sales agents can view listings by multiple brokerages in the market.

Buyer: The purchaser of a property.

Buyer agency: A real estate broker retained by the buyer who has a fiduciary duty to the buyer.

Buyer agent: The agent who shows the buyer’s property, negotiates the contract or offer for the buyer, and works with the buyer to close the transaction.

Carrying costs: Cost incurred to maintain a property (taxes, interest, insurance, utilities, and so on).

Closing: The end of a transaction process where the deed is delivered, documents are signed, and funds are dispersed.

CLUE (Comprehensive Loss Underwriting Exchange): The insurance industry’s national database that assigns individuals a risk score. CLUE also has an electronic file of a properties insurance history. These files are accessible by insurance companies nationally. These files could impact the ability to sell property as they might contain information that a prospective buyer might find objectionable, and in some cases not even insurable.

Commission: The compensation paid to the listing brokerage by the seller for selling the property. A buyer may also be required to pay a commission to his or her agent.

Commission split: The percentage split of commission compen-sation between the real estate sales brokerage and the real estate sales agent or broker.

Competitive Market Analysis (CMA): The analysis used to provide market information to the seller and assist the real estate broker in securing the listing.

Condominium association: An association of all owners in a condominium.

Condominium budget: A financial forecast and report of a condominium association’s expenses and savings.

Condominium by-laws: Rules passed by the condominium association used in administration of the condominium property.

Condominium declarations: A document that legally establishes a condominium.

Condominium right of first refusal: A person or an association that has the first opportunity to purchase condominium real estate when it becomes available or the right to meet any other offer.

Condominium rules and regulation: Rules of a condominium association by which owners agree to abide.

Contingency: A provision in a contract requiring certain acts to be completed before the contract is binding.

Continue to show: When a property is under contract with contingencies, but the seller requests that the property continue to be shown to prospective buyers until contingencies are released.

Contract for deed: A sales contract in which the buyer takes possession of the property but the seller holds title until the loan is paid. Also known as an installment sale contract.

Conventional mortgage: A type of mortgage that has certain limitations placed on it to meet secondary market guidelines. Mortgage companies, banks, and savings and loans underwrite conventional mortgages.

Cooperating commission: A commission offered to the buyer’s agent brokerage for bringing a buyer to the selling brokerage’s listing.

Cooperative (Co-op): Where the shareholders of the corporation are the inhabitants of the building. Each shareholder has the right to lease a specific unit. The difference between a co-op and a condo is in a co-op, one owns shares in a corporation; in a condo one owns the unit fee simple.

Counteroffer: The response to an offer or a bid by the seller or buyer after the original offer or bid.

Credit report: Includes all of the history for a borrower’s credit accounts, outstanding debts, and payment timelines on past or current debts.

Credit score: A score assigned to a borrower’s credit report based on information contained therein.

Curb appeal: The visual impact a property projects from the street.

Days on market: The number of days a property has been on the market.

Decree: A judgment of the court that sets out the agreements and rights of the parties.

Disclosures: Federal, state, county, and local requirements of disclosure that the seller provides and the buyer acknowledges.

Divorce: The legal separation of a husband and wife effected by a court decree that totally dissolves the marriage relationship.

DOM: Days on market.

Down payment: The amount of cash put toward a purchase by the borrower.

Drive-by: When a buyer or seller agent or broker drives by a property listing or potential li
sting.

Dual agent: A state-licensed individual who represents the seller and the buyer in a single transaction.

Earnest money deposit: The money given to the seller at the time the offer is made as a sign of the buyer’s good faith.

Escrow account for real estate taxes and insurance: An account into which borrowers pay monthly prorations for real estate taxes and property insurance.

Exclusions: Fixtures or personal property that are excluded from the contract or offer to purchase.

Expired (listing): A property listing that has expired per the terms of the listing agreement.

Fax rider: A document that treats facsimile transmission as the same legal effect as the original document.

Feedback: The real estate sales agent and/or his or her client’s reaction to a listing or property. Requested by the listing agent.

Fee simple: A form of property ownership where the owner has the right to use and dispose of property at will.

FHA (Federal Housing Administration) Loan Guarantee: A guarantee by the FHA that a percentage of a loan will be underwritten by a mortgage company or banker.

Fixture: Personal property that has become part of the property through permanent attachment.

Flat fee: A predetermined amount of compensation received or paid for a specific service in a real estate transaction.

For sale by owner (FSBO): A property that is for sale by the owner of the property.

Gift letter: A letter to a lender stating that a gift of cash has been made to the buyer(s) and that the person gifting the cash to the buyer is not expecting the gift to be repaid. The exact wording of the gift letter should be requested of the lender.

Good faith estimate: Under the Real Estate Settlement Procedures Act, within three days of an application submission, lenders are required to provide in writing to potential borrowers a good faith estimate of closing costs.

Gross sale price: The sale price before any concessions.

Hazard insurance: Insurance that covers losses to real estate from damages that might affect its value.

Homeowner’s insurance: Coverage that includes personal liability and theft insurance in addition to hazard insurance.

HUD/RESPA (Housing and Urban Development/Real Estate Settlement Procedures Act): A document and statement that details all of the monies paid out and received at a real estate property closing.

Hybrid adjustable rate: Offers a fixed rate the first 5 years and then adjusts annually for the next 25 years.

IDX (Internet Data Exchange): Allows real estate brokers to advertise each other’s listings posted to listing databases such as the multiple listing service.

Inclusions: Fixtures or personal property that are included in a contract or offer to purchase.

Independent contractor: A real estate sales agent who conducts real estate business through a broker. This agent does not receive salary or benefits from the broker.

Inspection rider: Rider to purchase agreement between third party relocation company and buyer of transferee’s property stating that property is being sold “as is.” All inspection reports conducted by the third party company are disclosed to the buyer and it is the buyer’s duty to do his/her own inspections and tests.

Installment land contract: A contract in which the buyer takes possession of the property while the seller retains the title to the property until the loan is paid.

Interest rate float: The borrower decides to delay locking their interest rate on their loan. They can float their rate in expectation of the rate moving down. At the end of the float period they must lock a rate.

Interest rate lock: When the borrower and lender agree to lock a rate on loan. Can have terms and conditions attached to the lock.

List date: Actual date the property was listed with the current broker.

List price: The price of a property through a listing agreement.

Listing: Brokers written agreement to represent a seller and their property. Agents refer to their inventory of agreements with sellers as listings.

Listing agent: The real estate sales agent that is representing the sellers and their property, through a listing agreement.

Listing agreement: A document that establishes the real estate agent’s agreement with the sellers to represent their property in the market.

Listing appointment: The time when a real estate sales agent meets with potential clients selling a property to secure a listing agreement.

Listing exclusion: A clause included in the listing agreement when the seller (transferee) lists his or her property with a broker.

Loan: An amount of money that is lent to a borrower who agrees to repay the amount plus interest.

Loan application: A document that buyers who are requesting a loan fill out and submit to their lender.

Loan closing costs: The costs a lender charges to close a borrower’s loan. These costs vary from lender to lender and from market to market.

Loan commitment: A written document telling the borrowers that the mortgage company has agreed to lend them a specific amount of money at a specific interest rate for a specific period of time. The loan commitment may also contain conditions upon which the loan commitment is based.

Loan package: The group of mortgage documents that the borrower’s lender sends to the closing or escrow.

Loan processor: An administrative individual who is assigned to check, verify, and assemble all of the documents and the buyer’s funds and the borrower’s loan for closing.

Loan underwriter: One who underwrites a loan for another. Some lenders have investors underwrite a buyer’s loan.

Lockbox: A tool that allows secure storage of property keys on the premises for agent use. A combo uses a rotating dial to gain access with a combination; a Supra® (electronic lockbox or ELB) features a keypad.

Managing broker: A person licensed by the state as a broker who is also the broker of record for a real estate sales office. This person manages the daily operations of a real estate sales office.

Marketing period: The period of time in which the transferee may market his or her property (typically 45, 60, or 90 days), as directed by the third-party company’s contract with the employer.

Mortgage banker: One who lends the bank’s funds to borrowers and brings lenders and borrowers together.

Mortgage broker: A business that or an individual who unites lenders and borrowers and processes mortgage applications.

Mortgage loan servicing company: A company that collects monthly mortgage payments from borrowers.

Multiple listing service (MLS): A service that compiles available properties for sale by member brokers.

Multiple offers: More than one buyers broker present an offer on one property where the offers are negotiated at the same time.

National Association of REALTORS® (NAR): A national association comprised of real estate sales agents.

Net sales price: Gross sales price less concessions to the buyers.

Off market: A property listing that has been removed from the sale inventory in a market. A property can be temporarily or permanently off market.

Offer to purchase: When a buyer proposes certain terms and presents these terms to the seller.

Office tour/caravan: A walking or driving tour by a real estate sales office of listings represented by agents in the office. Usually held on a set day and time.

Parcel identification number (PIN): A taxing authority’s tracking number for a property.

Pending: A real estate contract that has been accepted on a property but the transaction has not closed.

Personal assistant: A real estate sales agent administrative assistant.

Planned unit development (PUD): Mixed-use development that sets aside areas for residential use, commercial use, and public areas such as schools, parks, and so on.

Preapproval: A higher level of buyer/borrower prequalification required by a mortgage lender. Some preapprovals have conditions the borrowe
r must meet.

Prepaid interest: Funds paid by the borrower at closing based on the number of days left in the month of closing.

Prepayment penalty: A fine imposed on the borrower by the lender when the loan is paid off before it comes due.

Prequalification: The mortgage company tells a buyer in advance of the formal mortgage application, how much money the borrower can afford to borrow. Some prequalifications have conditions that the borrower must meet.

Preview appointment: When a buyer’s agent views a property alone to see if it meets his or her buyer’s needs.

Pricing: When the potential seller’s agent goes to the potential listing property to view it for marketing and pricing purposes.

Principal: The amount of money a buyer borrows.

Principal, interest, taxes, and insurance (PITI): The four parts that make up a borrower’s monthly mortgage payment. Private mortgage insurance (PMI): A special insurance paid by a borrower in monthly installments, typically of loans of more than 80 percent of the value of the property.

Professional designation: Additional nonlicensed real estate education completed by a real estate professional.

Professional regulation: A state licensing authority that oversees and disciplines licensees.

Promissory note: A promise-to-pay document used with a contract or an offer to purchase.

R & I: Estimated and actual repair and improvement costs.

Real estate agent: An individual who is licensed by the state and who acts on behalf of his or her client, the buyer or seller. The real estate agent who does not have a broker’s license must work for a licensed broker.

Real estate contract: A binding agreement between buyer and seller. It consists of an offer and an acceptance as well as consideration (i.e., money).

REALTOR®: A registered trademark of the National Association of REALTORS® that can be used only by its members.

Release deed: A written document stating that a seller or buyer has satisfied his or her obligation on a debt. This document is usually recorded.

Relist: Property that was listed with another broker but relisted with a current broker.

Rider: A separate document that is attached to a document in some way. This is done so that an entire document does not need to be rewritten.

Salaried agent: A real estate sales agent or broker who receives all or part of his or her compensation in real estate sales in the form of a salary.

Sale price: The price paid for a listing or property.

Seller (owner): The owner of a property who has signed a listing agreement or a potential listing agreement.

Showing: When a listing is shown to prospective buyers or the buyer’s agent (preview).

Special assessment: A special and additional charge to a unit in a condominium or cooperative. Also a special real estate tax for improvements that benefit a property.

State Association of REALTORS®: An association of REALTORS® in a specific state.

Supra®: An electronic lockbox (ELB) that holds keys to a property. The user must have a Supra keypad to use the lockbox.

Temporarily off market (TOM): A listed property that is taken off the market due to illness, travel, needed repairs, and so on.

Temporary housing: Housing a transferee occupies until permanent housing is selected or becomes available.

Transaction: The real estate process from offer to closing or escrow.

Transaction management fee (TMF): A fee charged by listing brokers to the seller as part of the listing agreement.

Transaction sides: The two sides of a transaction, sellers and buyers. The term used to record the number of transactions in which a real estate sales agent or broker was involved during a specific period.

24-hour notice: Allowed by law, tenants must be informed of showing 24 hours before you arrive.

Under contract: A property that has an accepted real estate contract between seller and buyer.

VA (Veterans Administration) Loan Guarantee: A guarantee on a mortgage amount backed by the Department of Veterans Affairs.

Virtual tour: An Internet web/cd-rom-based video presentation of a property.

VOW’s (Virtual Office web sites): An Internet based real estate brokerage business model that works with real estate consumers in same way as a brick and mortar real estate brokerage.

W-2: The Internal Revenue form issued by employer to employee to reflect compensation and deductions to compensation.

W-9: The Internal Revenue form requesting taxpayer identification number and certification.

Walk-through: A showing before closing or escrow that permits the buyers one final tour of the property they are purchasing.

Will: A document by which a person disposes of his or her property after death.

Vacation Rentals and Holiday Home Rentals – "Tips For Renting"

July 21, 2017

So you’re planning the holidays, you fancy something in the sun, but where to go? Who is coming? How many?
Will we rent a luxury condo or house instead of staying in a hotel? Well you can make big savings by taking a Villa. Plus, you’ll have more space and privacy to relax and enjoy your home away from home. Renting a vacation home is an especially smart choice if you’re traveling with a group of friend or with kids.

Here are some tips to help you get the biggest bang for your buck.

1. Once you choose a destination.
If you’re looking for sensational savings your best bet is to choose a destination where there are a lot of holiday rentals on the market, keeping prices competitive. You can find some of the best bargains on vacation home rentals online if you know what to ask about and how to protect yourself as a renter. Don’t be shy contact the owner and ask for a deal.

2. Comparison sites- way to go!
Now it’s easier than ever to comparison shop when you’re looking to save on a vacation home rental. You can find some of the best rental home listings the net has to offer on sites like holiday121 and other consolidator sites like these. These are referral sites not booking site and you can check out many homes at the same time to get the best prices and most suitable dates and keep a record of sites visited.

3. Don’t send money.
When renting a vacation home, never send anyone money it’s a bad idea. Pay by credit card or PayPal where you have some come back.
Ask for references, and check out their Web site and their track record. Read their reviews! Read the fine print. Is there a cancellation policy? What if you have to leave early? Does it stipulate when you will get your breakage deposit back? Spend the time up front checking things out so you won’t have any hassles later.

4. Know exactly what’s included.
When you book a rental home for your holidays it’s a short term rental and everything should be included, if there are extras like pool heat, these will be stipulated on the invoice.
Most rental homes will say “everything’s included,” but you want to double-check to be sure that there are no hidden surcharges there should not be any.
If utilities, Internet and cable are included, does this mean the property has Wi-Fi and high-speed Internet? Is it basic cable or premium? If electricity is paid is there a cap? Many properties will say they include utilities, electricity and gas and then the fine print says it’s included, up to the first $200.
Recommendation; don’t touch a short term rental that is not all inclusive.

5. Who is the local management company?
Ask who has the local management of the property these are a very important part of the service and backup. Your rental contract should include who to call if your dishwasher breaks or there’s some other problem with the property. It should also state a time frame for fixing any major problems. You don’t want to rent a home and have the hot water heater conk out and end up with cold showers for two week. The information should also be posted in a contact book inside the property. Make sure you have a phone number and email address of the contact and if possible get a second person as a backup.

6. Is the home family friendly?
If you’re traveling with kids, make sure the property you rental is family friendly. Check the bed configurations. If you have three kids and the guest room only has a king-sized bed you could be in trouble. Does the pool have an alarm? (Toddler safety)
Also make sure you see lots pictures of the home. Do you really want to rent a place with a white couch and fancy décor if your 3-year-old still thinks it is fun to color on everything in sight? Make sure the home you’re renting fits your family’s needs so you’re all comfortable. What about the location? Where is the house what are the local amenities? Is it close to the attractions?

7. Can you bring a pet?
Some vacation rentals accept pets, but they may have a size limit. Some folks would not like to rent a property for their family that had the possibility of a pet staying in with previous guests in the home, unhygienic, so if that may be a problem eliminate pet friendly from your search.

8. Is a refund available if you leave early?
If you think you may want or need to leave early, check your contract to see if you’re eligible for a partial refund. Most vacation rentals are for a specific time period and don’t offer refunds because that leaves the homeowner in a lurch with no time to rent to someone else. Know going in what the rules are so there are no unpleasant surprises.

9. Pick a house that most suits your needs.
Keep in mind when you’re renting a vacation home you’re renting a property that’s individually owned. This isn’t a hotel where if you don’t like what you have you can get something else. Once you book and pay your deposit for a specific property, that’s the property you’re getting, so make sure it’s exactly what you want. Ask if reviews from other renters are available; also remember you get what you pay for so contact the owner. While scoring a good deal is the goal, if it’s too cheap there’s probably a reason check it out. Sometimes the cheapest price is not the best value.

10. Book early.
Avoid disappointment; there are certain times of the year when the villa rentals are on fire, so book early. Also you might look at the availability on the owners web site and pick a slightly out of season time, which brings me back to point one, don’t be shy contact the owner and ask for a deal. A last point to help is a lot of vacation rental owners have links to car rental and cheap flights sites or attraction ticket sites. Try and do a package deal for all three or four services. Good luck!!

First Travel Nurse Assignment – Frequently Asked Questions

July 4, 2017

Question: I decided to switch to be a travel nurse instead of permanent placement how do I decide where to go?
Congratulations! You have made the first step toward an exciting career of travel nursing. Choosing where you want to go will be one of the questions the travel nursing staffing agency will ask you. Since each travel nurse assignment is approximately 13 weeks long, you do not need to worry about planning where you want to go months in advance. However, there are several factors in deciding your first assignment as a travel nurse.

o Suppose you have a family member whom you haven’t seen in awhile, you could select a location near them so you can have time to visit and form a relationship. Additionally, you may know of a sick relative who needs assistance, so you can choose a destination from your nursing staffing agency nearby.
o Dreamed of visiting the Grand Canyon or the Rio Grande? Would you like to vacation in Hawaii or near Wine Country? Ask your travel nursing staffing agency about jobs near these destinations.
o Do you want to escape the summer heat? Ask about a travel nursing job in Minnesota or Oregon where the summers are beautiful and full of outdoor summer activities.
o Ask your travel nursing staffing agency recruiter about top destinations or ask other travel nurses where they like to travel and work.

Question: What kind of uniform will I need?
Uniforms are often provided to you. You will likely receive them upon your arrival. Each facility requires something different as far as work clothes or uniforms most of the time. It is, however, best to bring a couple pairs of comfortable shoes and an extra set of scrubs, in case your uniform is not ready the first day of your assignment or in rare occasions not provided to you. Also, keep receipts of all nurse uniforms as well as laundering expenses for tax purposes.

Question: What do I need to do before leaving on a travel nurse assignment?
If you know the exact date you will be leaving for your first travel nurse assignment, then it is a good idea to have your mail forwarded to your new housing address. You can give the post office start and stop dates for mail forwarding. It may take up to a week to get your mail at your new location, so make arrangements with any monthly bills you have to pay beforehand.

Inform your nursing staffing agency of your travel dates, so they can inform the employer when to expect you as well as how to reach you during transit. Also, tell your family and friends of your new assignment address, phone number, travel route and where to reach you in case of an emergency as well as the number of your nursing staffing agency. Carry a cell phone and car charger with you at all times; you may need to call someone during transit if you have an emergency.

Carry a folder to hold all your travel expenses, receipts, professional licenses, CEUs, uniform cost and cleaning, fuel for your car, airfare and lodging. Having an organized folder for keeping all these items will save you at tax time.

Finally, it is best to have enough money for meals, fuel, and incidentals for at least two weeks. If you have not set up a bank account at your new location or if you do not have direct deposit, your paychecks may be delayed and you’ll be without accessible funds.

Question: How do I find personal and repair services while working as a travel nurse?
Starting in a new location whether as a job transfer or a travel nurse can be daunting; however, knowing that you will be working with other professionals who are available to refer you to credible and affordable services.

Since travel nurses often have the option of staying in medical staffing housing, you won’t need to worry about home maintenance repairs. While you may need to find a beauty salon or barber, auto repair shop and affordable grocery stores, the same people you work with will be your greatest resource.

Other places to find information about local businesses can be found on Angie’s List and Yelp, which provide reviews and ratings by consumers. Almost every town also has a travel bureau or a chamber of commerce, which have plentiful of resources and recommendations for retail stores and services.

Question: As a travel nurse, do I have to accept an assignment right away after one ends?
No, you do not have to take another assignment right away. As a travel nurse you can take a break between assignments whether it is for one week, two weeks or more, and then choose your next assignment. Travel nursing is not only a great opportunity to explore new places and work assignments, but you also are able to plan your vacation between assignments.

A great recruiter will however follow up with you and talk about your plans before your assignment ends so there is a smooth transition if you want to take advantage of another assignment right away and the many bonuses and rewards that are often times offered for taking another assignment right away. The option is yours!

Question: This is my first travel nurse assignment, what if I have problems adjusting to work schedule or personnel? Whom do I contact?
Medical staffing agencies will be able to work with your needs and special requests regarding work assignments, travel costs and housing before your first assignment; this will help alleviate your first travel nurse assignment problems.

However, if you feel like the travel nurse assignment is not what you expected, you should talk to your head nurse or physician to solve any miscommunication or task responsibilities. Notify your staffing recruiter as well to make sure they know and help resolve issues so that others are in the know as well. You may also know of another nurse whom you can confide in about any concerns you have. It is best to talk to someone before issues interfere with your travel nurse assignment.

If you think of other questions before you leave for your first travel nurse assignment, call your nursing staffing agency because they will have an answer for you when you need it. Rely on their experience to guide you and keep your confidence levels high before during and after travel.

Perfect Beaches for Holiday Rentals in Murcia

June 22, 2017

Murcia, located along Spain’s Costa Calida, is known for its year-round warm, sunny climate which attracts holidaymakers to the region. With an abundance of villas for rent on resorts such as Polaris World’s Mar Menor Golf Resort, La Torre Golf Resort and El Valle Golf Resort tourists can rent luxury Murcia villas with private pools or affordable apartments and take full advantage of resort facilities such as communal pools, playgrounds, tennis courts and nearby restaurants.

If you’re planning on looking for holiday rentals in Murcia this summer make sure you explore the local area and visit the many beautiful beaches on offer. Murcia, also known as the Costa Calida in Spain offers over a hundred beaches for everyone to enjoy, whether you want to travel by boat to a picturesque deserted cove, or relax on a stretch of sandy beach to soak up the sun.

Simply travel a short distance from Murcia city to the coast to explore popular areas. Beach towns to visit include Mar Menor, San Javier, Cartagena, Mazarron, Aguilas, San Piedro del Pinatar and Lo Pagan. The Mar Menor in particular ( a large salt water lake effectively) is a really popular area to visit, with its warm Mediterranean waters and vast, golden beaches, shallow waters and small waves; Murciabeaches really cater for everyone.

Mar Menor beaches

Villa Nanitos

Located on the Costa Calida above Lo Pagan, the Villa Nanitos beach offers water skiing, volleyball, windsurfing and sea kayaking. Nearby are the mud baths of San Pedro del Pinatar; well worth a visit.

La Llana

Located on San Pedro de Pinatar, Mar Menor, this is a blue flag beach and can get busy during peak season. It is a long, sandy beach and foot showers are available during the peak season. The waters here are mild and so perfect to take a dip.

El Espejo

Another blue flag beach, El Esperjo can also be found on the Mar Menor coastline. This sandy beach is perfect if you fancy a spot of surfing, volley ball and kayaking. The waters here are calm.

Los Nietos

This is another popular Mar Menor beach. It offers 4km of long grey, sandy beach with shower facilities, as well as lots of restaurants and calm waters.

San Javier beaches

Euromanga

Euromanga beach is located in San Javier, Murcia. It’s typical of the La Manga stretch, which means its golden sands and pleasant waters attract many tourists and locals.

Castillicos

This San Javier sandy beach offers a picnic area, snack bar, accommodation, showers, beach cleaning and houses a Red Cross station. Lifeguards also patrol the area, and it’s also one of the safest beaches as it’s patrolled by local police.

Cartagena beaches

Cala Cortina

Close to Cartagena, this Murcia cove is located just a couple of minutes drive away. The locals will cycle and walk to Cala Cortina to enjoy a day of relaxation; spend a peaceful afternoon here with friends or family.

Calblanque

Calblanqueis a protected nature reserve, home to sandy beaches and coves. This beach is one of the few you are allowed to take dogs down to, so it’s advisable to keep away from the lower end of the beach if you wish to avoid the family pets. As it’s a protected area, there are no facilities like restaurants or bars, but there is a car park.

Cala Medina, Las Melvas and Levante

This group of three beaches are small beaches, with slightly less calm water. They range from sand to gravel to rock. There are restaurant services nearby, and it’s the perfect location if you fancy a spot of snorkelling.

El Portus

This is a very quiet beach in Cartagena. It’s sandy, and does offer showering facilities, but has limited disabled access as it’s difficult to reach.

El Belonte Grande and Salitrona

These two beaches in Cartagena are short and sandy, and are only accessible by boat or on foot, so they’re perfect if you’re looking for a quiet spot. These coves are very beautiful, surrounded by mountains with wild vegetation.

La Calera and San Gins

La Calera and San Gins are gravel and sand beaches, with calm water making them suitable for families. They offer reasonable facilities such as showers, as well as a few restaurants and shops nearby.

Mazarron beaches

Bolnuevo beach

Bolnueva beach is located at Mazarron, Murcia. This lovely golden sandy beach is great for families, and offers a picnic area, snack bar, showers and toilets. It’s also got a Red Cross Station and lifeguards on duty, in addition to offering water sport equipment for rent. It can get very busy during peak seasons, but generally isn’t quite as busy as other blue flag beaches along the Costa Calida.

Nares

Also located at Mazarron, Murcia, this golden sandy beach is great for children with its calm waters and shower facilities.

El Castallar

Facilities available: This beach is located near the town and harbour of Mazarron. El Castallar is a sandy beach, with lovely clean, calm waters. Although popular with families, this beach does not get quite as crowded as some other Blue Flag beaches in this region. Facilities include snack bars, restaurant, showers, telephones, beach cleaning, and a Red Cross point.

El Rihuete and Puerto de Mazarrn

These sandy beaches are perfect for families exploring the Mazarron area, with plenty of local shops and restaurants.

Aguilas beaches

Las Delicias

The sand and pebble beach of Las Delicias can be found in Aguilas, Murcia. It offers many facilities such as a snack bar, restaurant, showers and it also has a Red Cross station, is manned by life guards and patrolled by the local police, so it is an extremely safe beach to visit.

Poniente

This urban-setting beach offers a snack bar, restaurant, toilets, showers and parking. It’s a very popular beach in the summer months.

Calabardina

This beach is also located at Aguilas, Murcia. Its waters tend not to be as calm as other beaches in the region, making it more exciting for water sport enthusiasts. It offers a Red Cross point, parking and beach cleaning, and again, Calabardina can get quite busy.

Levante

Sizes at just over 440 metres, Levante beach offers a snack bar, restaurant, showers, a Red Cross station, lifeguards. Ideal for children, this popular beach is sandy, with calm waters.

Abejerro and Las Pulgas

If you’re after quiet sand and gravel beaches, head to Abejerro or Las Pulas in Augilas. These are both quiet, unspoilt beaches, unfortunately there are no facilities at either location.

Punta del Fraile

This beach is only accessible by foot and offers great, clear water for snorkelling.

Lo Pagan beaches

Villanitos

Villanitos can be found in San Piedro del Pinatar, Lo Pagan, Murcia. It has plenty of facilities available for use, such as snack bars and restaurants, toilets, showers, parking and if you want to take part in water sports, there is equipment available for rental. Calm waters and it’s large, mostly sandy beach make it very popular.

La Puntica

This is a sandy beach, with calm waters. Like many beaches in Murcia, La Puntica offers a restaurant, snack bar, showers, toilets, beach cleaning and a Red Cross station, and is patrolled by lifeguards and local police.

Lorca beaches

Bao de las Mujeres and El Ciscar

These beaches are located further south of the coast, at Lorca. They are both short beaches
, offering fantastic fishing opportunities as well as being perfect locations for swimming and snorkeling.

The Benefits of Advertising – Business Internet Marketing

June 26, 2017

Marketing online has become a very profitable way of marketing products and services of the company. Online advertising is one method of advertising that uses the Internet to deliver the marketing message that can attract customers. World Wide Web is the main medium that can be used as part of online advertising to attract customers and spread the name of the company. There are also several examples of online advertising such as email marketing, banner ads or contextual ads on various search engines.

The benefits of advertising business internet marketing are:

1. Ad beneficial for sellers and buyers. This is mutually beneficial. Sellers use advertising to promote products on the internet by providing an explanation of the details of products both in price, usability, and benefits of these products. Buyers who come to the site, they know about the various products from these ads and can choose according to their wishes.
2. Before the Internet, advertising is limited to newspapers, television and so on. Along with the development of the Internet, we can use a variety of ways to advertise our businesses either through email or posting through various websites. Through advertising on the internet allows you to expand the business globally, not limited to time and place.
3. Internet is becoming increasingly popular in line with the number of people who use these systems and tools. Almost all people use online facilities to perform the work as they use email to send and receive the official letter to the company or using social media such as twitter, Facebook, and others. By using advertising on the internet the more people will see and some of them will make a purchase.
4. Advertise your business with the internet; you will be able to reach very specific target audience through this online facility. This is often referred to as SEO Optimize system where you use specific keywords for specific markets. There is also the term PPC or pay per click where you need to pay for keywords that you are advertising on the internet.
5. Online ads can reach every person in the whole world in a small time period. Some tools or software is provided either free or paid; where you can choose which best suit your business. On average a good website can be optimized in a few months and with time running it will be increasing visitors and buyers so that we get a return on investment.
6. Cheap online advertising as a source of advertising would cost so much while placing an ad in the newspaper or television will be more expensive than online advertising. You can also get a clear picture of how much money he would spend and how much profit from your investment.

If you have not done in the advertising business internet marketing, it is good you start to learn the details and start running. This not only shortens your time in business, but you can increase your profits away from what you get. Of course, learning from the right sources and correct.

Cookie Decorating and Cocktails: Themed Parties For the Holiday Season

June 28, 2017

The holidays are upon us, and one of the most timeless, beloved traditions is cookie decorating before Christmas time. Instead of setting aside an afternoon to bake batch after batch of Christmas cookies, why not plan a full-blown cookie decorating party to include friends and family?

How a Cookie Decorating Party Works

A cookie decorating party can work in one of two ways. You can ask all guests to bring their own favorite cookies, undecorated, to the party for a group decorating project. Or, you can ask guests to pitch in and make batches of cookies in your kitchen that you can all decorate together once they cool, fresh out of the oven.

For a smaller gathering with a few friends, baking cookies and decorating together will work well. For a larger party of five or more, it’s a better idea to ask guests to bring their own undecorated cookies so you don’t have to worry about squeezing a large group into a crowded, hot kitchen to bake cookies together.

To plan ahead, make sure that you have all of the necessary decorating supplies set up in advance in different stations throughout the room, including:

• Aprons or smocks
• Paper towels
• Tubes of icing in different colors
• Sprinkles and other assorted decorations
• Food coloring
• Small paintbrushes

From there, it’s time to get cracking! Guests can decorate plain cookies of their choice with different icings and assorted decorations, like sprinkles, chocolate chips, M&Ms, crushed peppermint, and more. You may also choose to splurge on fancy holiday cookie decorations like colored sugar, silver ball candies, and cinnamon hearts.

All of the decorations can be set up in individual bowls for use at each decorating station. Guests can also create their own colored icing with food coloring to paint different designs on each cookie using a small paintbrush.

Adult Beverages for Cookie Decorating

If this is an adults-only party, you have the perfect opportunity to pair holiday cookies with delicious seasonal cocktails to enjoy throughout the decorating process. Depending upon the type of cookies that you decorate, whether they’re plain sugar cookies, snickerdoodles, or even peanut butter cookies, you can pair your holiday drinks accordingly.

Decorated holiday sugar cookies will go well with a warm beverage like Irish Coffee or spiked cider. You can also make a large batch of alcoholic holiday punch with flavors of cinnamon, cloves, and nutmeg, served chilled and topped with a splash of cranberry juice and sparkling wine.

For more flavorful cookies, like peanut butter or snickerdoodle, serve a refreshing holiday favorite like mulled wine, peppermint martinis, or rich yet satisfying alcoholic eggnog.

For an adult-themed cookie decorating holiday bash, make sure to provide guests with the convenience of arranging transportation to and from the venue with a limo rental or luxury town car. This will allow guests to ride safely to and from the party destination so that they can enjoy a few holiday cocktails without having to worry about driving home at the end of the evening. ‘Tis the season!

The Strategic Use of Information Technology

July 1, 2017

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

* Link 1: Management Information Systems with Information Technology

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

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

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

Link 2: Strategic Management with Information Systems

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

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

TEACHER: You are a well read student, indeed!

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

STUDENT: Are these modes are mutually exclusive?

TEACHER: No, but we will discuss them independently.

Reconfiguration of Information Flows

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Link 3: Strategic Management with Information Technology

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

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

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

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

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

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

Internet Marketing – New Trends in an Evolving Industry

July 18, 2017

Over the years internet marketing has been evolving from the
Efforts of the first marketers. Trends in the past have seen
marketers placed ads on talk forums, classified sites, in emails
and where ever they could find potential customers.

Some of these actions led to the introduction of changes from
Within the internet marketing community and from without.
An example of a change from within the community is the banning
Of ads on all forums and relegating them to only the signature file.

An example of a change from outside the community it the Can Spam
Law, which was introduced by the USA government to prevent the sending
Of unsolicited emails. This has done much to reduce the problems of
Spam; further to this from within the community we have seen programs
Which filter emails based on the words used in the headlines and in
The body of the emails.

What all these methods have done is fueled the evolution of internet
Marketing. Now marketers are using double opt-in techniques to
Comply with the Can Spam Law, they are using Tele-seminars to
Reach their target market. They are using SEO, search engine optimization,
To reach clients who are using the search engines to look for products
And services.

As we can see the evolution of internet marketing has been fueled from
Numerous sides, the government, the internet community, the internet
Service providers and the customers themselves.

Well my fellow entrepreneur the internet marketing industry is undergoing
another major evolutionary shift fueled this time by the customers.
October, 2006 was the apex of this change which has been building for awhile.

Over the months subscribers to the various mailing lists have been receiving
Emails on a daily basis promoting one new product launch or another. In
some cases some of us have received 2 or 3 emails promoting the same new
product launch. This activity reached it breaking point in October when there
were several product launches in the same day and we received up to a dozen
duplicate emails for the launch of new products.

The end result is that, there were a large number of un-subscribed requests to
The various mailing lists owners, many gurus saw their profits dropped
Dramatically from previous launches.

Currently we are sitting on the verge of a new era in marketing, an era in which
The consumers are helping to create what they consume. This new direction
Presents many opportunities for consumers and marketers. Download this
Free report at the URL below to learn more about how you can profit from
this new trend in internet marketing. http://5kpermonth.blogspot.com

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