Tranont Oneview Financial Dashboard Report

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I take a close up look at Tranont Oneview and find out the truth about this revolutionary software and if it really is worth all of the hype.

I think that it is necessary to cover some elemental financial ideas before I go into the details on Tranont to make sure we are all on the same page.

The reason why is because if you do not fully understand the principles behind what Tranont is designed to help solve, you will not be able to fully understand all of its unique features.

With the economy in an absolute tailspin over the last few years it has never been as important in our lifetime to make sure our personal economy is not going following suite.

The last thing I want is to be an old man trying to survive on barebones and forced to work some miserable job I cannot stand because I fell for the slick marketing on tv and bought into the so called American dream of buy now but pay later.

Heck, it was just 30 years ago when the idea of having a computer in the home was completely farfetched and now it’s rare for someone not to have a computer but our kids are being taught the exact same poor ways to manage their finances as back then.

Sure right after World War II the standard advice of go to school, get a job, buy a house and retire on a pension was decent. After all the economy was booming and a household could make it on one income earners wages.

We are no longer living in that time though and the way we approach are finances has to revolutionize.

Tranont can literally change your financial outlook and in multiple ways, not the least of which is it’s proprietary oneview technology where you are able to see everything involving your personal economy on one screen.

It also uses algorithms to decode the best way for you to pay back your loans to get you ahead of the game so you are actually paying down principle each month instead of interest.

Most people have no idea how complicated the math is behind what would seem to be a simple finance charge but the truth is that banks have super computers running 24/7 to determine the most optimal way to charge you to bleed as much money from you as possible. Well I say no more!

There is also a really neat work at home option for those who want to make a little extra cash for simply referring the program while you are saving wads of money.

Somehow, someway we must figure out a way to take back control of our lives.

Tranont OneView is one of the most dynamic and important things you will ever discover when it comes to personal finance.

You owe it to yourself to look closely at Tranont and even if it is not right for you, it may just help put you on the path to financial freedom through other means.

Posted in: Finance \ Tagged:

Innovation Management Systems – A Useful Corporate Element

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The incorporation of innovation management systems in modern
offices is a well-deserved change that comes from the old systems of a
suggestion box. Companies today thrive on the presence of an active
participation amongst employees and a constant thought process that
suggests ways and means of improvement. This was earlier available in
the form of a suggestion box, which has now taken a more sophisticated
and well-managed form. Presently, companies have departments for an
innovation management process that take care of all aspects of the
management and implementation of software for optimum results. They
ensure that the software is accessible for all and opinions are
available from all brackets and groups of employees.

A natural question that may arise at some point of
time is the actual relevance of this sphere of activity within
organizations. The implementation of innovation management software to
enhance the performance of this activity is also under question.
Generation of opinion is the objective for the innovation management
process to bring comprehensive growth for companies. This is led by the
idea of a concerted bank of information based on different ideas and
opinions put forward by employees. Contrary to the use of the old system
of the complaint box, this is aimed at garnering resourceful criticisms
and information or suggestions on improvement.

There is no
doubt that employees and those within an organization will always be
prone on providing their suggestions and ideas in addition to genuine
complaints. The department in charge of addressing these issues will
have to be equipped with software tools for this purpose that can code
and effectively synchronize the storage of information. Another
resourceful use of this software is the organization of campaigns to
generate opinions. It will encourage all groups and ranks of employees
within a company to reveal their thoughts and ideas for suggestive
improvements.

One
of the chief discouragements that could work against the use of
innovative software is the lack of popular acceptance. Its success is
completely dependent on the scale at which modern companies and
commercial organizations find its implementation as a viable resource.
The second argument that could also go against it is the absence of a
personal interaction in this system, which is completely computerized.
The innovations may be feared lacking at some stage owing to the lack of
personal interaction, reliance and more emphasis on the use of data.

There
is a wide range of innovation management software tools and
applications available for corporate and commercial implementations.
These are not only effective within a single premise of an office
location, as they are capable of providing assistance to modern day
organizations that have multiple bases of operations across the world.
With innovative management systems, there can be a better organization
of opinions followed by positive growth.

Posted in: Innovation

Summer Youth Employment Program Is A Win-win

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October2009 If you want to know how intractable the unemployment problem is in Detroit, talk to any group of 18 – 24-year-olds and you’ll be amazed at how few have ever had a summer job.

That’s why McDonald’s owner and operator, Jamar Thrower, decided that the Summer Youth Employment Program (SYEP) was an opportunity he couldn’t refuse.

“We are always open to getting involved in anything positive to help the community,” said the owner of Jamjomar, Inc. “This was an unbelievable chance for us to train young people at no cost to us, then have them ready to hire when the summer was over.”

Thrower is one of dozens of for-profit employers who participated in SYEP this summer. The Detroit program, which serves an average of 2,500 youth each year, received an injection of $11.2 million from the American Recovery and Reinvestment Act this summer. The federal money helped increase the scope of the program to serve about 7,000 youth ages 14 – 24.

SYEP Participation is Good for Business

With the drastic increase in the number of youth served, City Connect Detroit, acting on behalf of the Detroit Youth Employment Consortium, decided to enlist the help of the business community in addition to the traditional non-profit supporters of the summer program. It was not an easy sell.

“In a troubled economic climate, many businesses were focused on downsizing, not making room for new employees,” said City Connect Detroit CEO Geneva J.Williams. “But when we made it clear that we were providing the youth and paying their salaries, many businesses jumped at the chance to give young people a taste of the real work environment.”

Thrower employed 13 youth in his two Detroit stores. “In such a depressed time, it’s important to expose kids to earning a paycheck and to teach them accountability,” said Thrower, who trained his SYEP youth in all aspects of running his business. “It was such a good experience for me as the employer, I would have no trouble recommending that other stores in our consortium participate next year.”

Cultivating Future Employees

C. has a bad temper-one that landed her in front of a judge earlier this year after the 20-year-old stabbed someone in a fight. The judge gave the first-time offender a choice: Go on probation and get a job, or go to jail.

“I picked probation,” she said. “I’m so glad I was given a chance.”

C. ended up in SYEP doing conservation work with the Greening of Detroit. “This is my first time having a job,” she said while composting at Elizabeth Gordon Sachs Park near downtown Detroit. “It feels good to have a paycheck.”
The biggest lesson she’s learned is how to stay to herself. “You get quiet when you do work outside,” she said. “At first it was uncomfortable being quiet and thinking. But it helps me stay out of trouble.”

It’s a Question of Values

Exposing youth to environmental issues, plus giving them chance to learn the value of hard work is exactly why Johnson Controls, a member of the Detroit Youth Employment Consortium,got involved with SYEP.

In 2006, the Milwaukee-based company began its Conservation Leadership Corps (CLC) to teach urban youth environmental stewardship and leadership. The program has since expanded to two other cities where the company has operations: Baltimore and Detroit.

“We had 2,200 applicants for 110 positions in Detroit this summer,” said Jennifer Mattes, director of global public affairs. “We continue to search for additional funding sources in all three cities – the need is so great.”

In partnership with the national Student Conservation Association and the Greening of Detroit, the CLC was able to give Detroit youth a taste of the green job industry, including educating city residents about energy efficiency; weatherizing and energy auditing 75 homes in Detroit; designing and building an outdoor classroom and indoor environmental lab at Barbara Jordan Elementary School; conducting an extensive tree inventory; and reclaiming two green picnic shelters on Belle Isle using alternative building materials and practices.

Why did Johnson Controls get involved with summer youth programs?

“We wanted to invest in the communities where we do business,” said Mattes. “It’s about challenging the next generation to be environmental stewards and providing them the opportunity to gain leadership skills. Some of them may even become our employees. Plus, we hope they will stay in Detroit because they see a future there.” (For a list of other funders of the Detroit Conservation Leadership Corps, see below.*)

The program also helped Johnson Controls develop a relationship with state and local leaders. “The mayor and the governor are supportive of these summer programs as well,” said Mattes. “We’ve earned recognition as a company that’s engaging youth in a unique and meaningful employment experience that also provides a valuable community service.”
Mattes said that SYEP is a win-win for the business community. “Through the program, we can give youth a perspective of what kinds of skills and education they will need to be ready for the green jobs of the future,” she said. “At same time, they’re doing something to beautify their city. We want to make it a better place for everyone.”
* Johnson Controls is the founding sponsor of the Conservation Leadership Corps. Additional support was provided by: Chase; the City of Detroit Community Development Block Grant and Neighborhood Opportunity Fund; The City of Detroit Workforce Development Department; City Connect Detroit; the Michigan Department of Energy, Labor and Economic Growth; Michigan Works! Association; Masco Corporation Foundation; SAP Americas; and the Walmart Foundation.

Posted in: Employment \ Tagged: , , ,

Elements of Prudent Financial Advice

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Many investors and their advisors are finding that investing today is more difficult than ever before. In times like these, the benefits of prudent financial advice are most evident, and the costs of poor decisions most clear. The following 6 elements of prudent financial advice can help guide investors and their advisors to be successful during these uncertain times.

(1) Recognize that Markets Work. It is important for investors to understand that capital market returns are out of their control. Securities prices will fluctuate as new information is continuously evaluated by investors and traders, creating an equilibrium in prices that reflect a trade-off between risk and return. Prudent financial advice is not about providing a forecast that attempts to predict the unpredictable. Investors and their advisors should not focus on what might happen next in the markets, but instead position their investments to try to capture as much of the return markets make available as possible. Investors can tilt their portfolios in the direction of certain risk factors to increase expected returns and re-balance when necessary, but they should resist trying to outguess the market. This could result in reduced returns and an increased likelihood of an undesired outcome.

(2) Manage Investment Risk. Some say we have become a society accustomed to immediate gratification and that we often want more than we should. Investors’ desire for higher returns has led to the expansion of many new and riskier investment products. Some purveyors of investment vehicles have created such highly complicated strategies that the risks are nearly impossible to understand, even by professionals. For example, former Fed Chairman Alan Greenspan recently said that even with his advanced training in mathematics he did not fully understand Collateralized Debt Obligations, one of the most significant problem assets owned by troubled banks, pension funds, and financial institutions.

Prudent financial advice is about managing risk by designing an investment portfolio that is highly diversified and exposed to risks associated with higher expected returns. In other words, prudent investors only take on an amount of risk they feel is appropriate for them, and try to limit their exposure to those risk factors for which there is not a reasonable expectation of higher returns.

(3) Focus on Education. Investors who understand investments and how markets work are better able to appreciate the primary elements of prudent investing. Educated investors have the knowledge to make smart financial decisions and are less likely to fall prey to inaccuracies, misstatements, or other potentially damaging ideas they may hear from securities salespeople, the popular press, or other investors. Educated clients are also better able to decipher noise from information, and fact from opinion. A well educated investor is a more confident and more successful investor.

(4) Elevate Fiduciary Responsibility. Some would say that much of the investment industry’s traditional way of doing business does not serve the best interests of investors. Any system whose revenues largely depend on persuading investors to trade and potentially take excessive risk is not likely to be focused on the best interests of the client. Such a system encourages short-term trading and speculation. I may also tend to promote the development of investment products designed to satisfy investor demand, which is often misplaced, especially at market extremes, rather than providing prudent investment solutions that are appropriate for investors.

Prudent financial advice is about structuring an investment strategy that is right for the investor, not one that reflects what an advisor is trying to sell, or what will earn the advisor the most fees and commissions. It should be designed to match each client’s appetite for risk, while helping them reach their financial goals with broad diversification and excellent personal service.

(5) Retain Transparency and Integrity. The multiple scandals we have seen during this downturn illustrate the unrecoverable costs that can result from a lack of transparency and integrity on the part of an unscrupulous advisor. Prudent financial advice means operating in a clear manner that provides for the safety of clients’ capital first and foremost. This can be accomplished by investing in properly regulated, publicly traded vehicles using third-party custodians to hold client funds and securities.

(6) Maintain Investment Principles. Too many investors tend to abandon their investment principles at just the wrong time. They may either take too much risk when things are prosperous and bad events seem unlikely, or too little risk after a major decline has occurred, possibly missing out on a subsequent recovery. Investors used to focus on the wisdom of long-term investing rather than the folly of short-term speculation. In recent times, however, Wall Street and other institutional investors have failed to regard risk properly. Instead of managing risk they magnified it with huge amounts of speculation and leverage.

Posted in: Finance \ Tagged: , , ,

Caterpillar Equipment Innovation

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Caterpillar equipment has always been known to pave the way in
the industry when it comes to great new features and enhancements. In
2009, the demand for a powerful, maneuverable, fuel-efficient dozer was
met by the Caterpillar’s Cat D7E Track-Type Tractor. It’s greater fuel
economy, increased productivity, and lower lifetime service costs when
compared to other tractors in its class makes it a great choice for
anyone looking to purchase a quality used dozer.

Sporting a hybrid system which combines diesel and
electric power, the D7E is capable of moving more material per gallon of
fuel while costing less to service and maintain. The electric drive
system which was built exclusively for track-type tractor applications
was the first of a wide range of new drive technologies Caterpillar was
developing for use in heavy equipment. The D7E was subsequently
recognized with a Clean Air Excellence Award from the U.S. Environmental
Protection Agency for its contribution to improving air quality.

Lasting
twice as long as other tractors, the power train oil system takes 50
percent less oil. The Caterpillar D7E also eliminates extra moving parts
while cutting down on fuel consumption, helping to save on operating
costs considerably. With much fewer moving parts than a typical
mechanical drive system, there are fewer components to potentially break
down or wear out. They were also designed to last up to 50 percent
longer than its conventional drive system counterpart. There’s no
denying the benefits of such a fuel efficient and capable piece of heavy
machinery.

Caterpillar
also claimed that operating a D7E is smoother with the removal of gears
or clutches, and with the ability to make lock-track pivot turns. This
advanced maneuverability system was the first of its kind for its class
of equipment and makes operating the D7E more efficient than ever
before. Caterpillar’s innovation didn’t stop there, however. Despite its
hybrid system, the D7E is no slouch; it was even able to outperform
most other dozers even though it has less horsepower thanks to its
increased drive train efficiency. The D7E’s powerful electrical
generator is driven by a Cat C9.3 ACERT diesel engine rated at 235 net
horsepower.

Caterpillar’s ingenuity has clearly influenced its
competitors over the years by staying at the cutting edge of the
industry, continuing to provide reliable, innovative, and efficient
heavy equipment. The D7E was a great innovation in 2009 and continues to
be a smart choice to consider when looking for used heavy equipment
that can easily hold its own even on heavy duty jobs.

Posted in: Innovation \ Tagged: ,

The Possibilities Of Winning A Government Grant For Small Business

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The recent economic recession brought plenty of negative effects to a
quite a few sectors with the business world. Small business sector one
that is affected essentially the most. Generally there are some who
totally went out of business while some initiated downsizing and
layoffs. Now that everyone is starting to recover, there are some
alternatives it is possible to test in the form of government grants for
small business.

It would be wonderful method to start by evaluating
your plan of putting up or expanding a business. Elements such as the
variety, nature and purpose of the business ought to get considered. The
location as well as the capability of your owner is also a vital
aspect. You’ll find tons of sorts of government of grants for small
business. Among the toughest parts is selecting the best type which will
match your project and objective. The goal is frequently an important
thing that really should reflect your business proposal inside the later
steps from the application. You ought to take into account that it’s
not straightforward to acquire such grants considering that they are
commonly given to those people that are highly qualified and
recommended. Government grants for small business are specially granted
to individuals business whose operation advantages a particular
community. This is mainly because these grants are originally for
nonprofit business and proposals that would involve academic,
scientific, or medical purposes. Because of this, an individual need to
asses carefully the nature with the business.

Quite a few preparations need to be made before applying for government grants for small business.
Some recommendations from critical and credible persons may possibly be
essential to increase the likelihood of obtaining approved for the
grant. The government agency proper for your software will require you
to submit several requirements that might support your application. They
typically include some documents that would show the eligibility in the
proprietor proving that he / she is really a law abiding citizen. These
will make your proposal credible enough to boost the probability of
winning the grant. The completion could be tough even before you begin
your business but as you have all of the aid that you are able to get;
there may be absolutely no harm in attempting.

Posted in: Small Business