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	<title>Techno Blogging</title>
	<atom:link href="http://www.technoforum.org/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.technoforum.org</link>
	<description>Technology Blog from Around the World</description>
	<pubDate>Fri, 04 Sep 2009 12:03:00 +0000</pubDate>
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	<language>en</language>
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		<title>Online Purchase or e-Procurement - Why?</title>
		<link>http://www.technoforum.org/2009/07/online-purchase-or-e-procurement-why/</link>
		<comments>http://www.technoforum.org/2009/07/online-purchase-or-e-procurement-why/#comments</comments>
		<pubDate>Thu, 09 Jul 2009 07:33:08 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[General]]></category>

		<category><![CDATA[eprocurement]]></category>

		<category><![CDATA[online business]]></category>

		<category><![CDATA[purchase online]]></category>

		<guid isPermaLink="false">http://www.technoforum.org/?p=87</guid>
		<description><![CDATA[On-line purchase or e-procurements is very common in today&#8217;s era.This option lets you streamline your procurement process, as well as make great deals. On-line sourcing solutions let you quickly find and buy the goods, equipment and <a href="http://www.worldofgadgets.biz">gadgets</a>  you need. You can make significant savings by switching to on-line procurement. There are several options i.e. <a href="http://www.usbid.com/" target="_blank">Electronic Parts Procurement</a>, on-line search for parts or goods you require for running your business smoothly.
By Adopting On-line [...]]]></description>
			<content:encoded><![CDATA[<p>On-line purchase or e-procurements is very common in today&#8217;s era.This option lets you streamline your procurement process, as well as make great deals. On-line sourcing solutions let you quickly find and buy the goods, equipment and <a href="http://www.worldofgadgets.biz">gadgets</a>  you need. You can make significant savings by switching to on-line procurement. There are several options i.e. <a href="http://www.usbid.com/" target="_blank">Electronic Parts Procurement</a>, on-line search for parts or goods you require for running your business smoothly.</p>
<p>By Adopting On-line Purchase process in your organization you can have following benefits;</p>
<ul>
<li>Time Saving</li>
<li>Price Comparison</li>
<li>Quick Delivery Options for Single Purchase to be delivered at multiple sites</li>
<li>Less Man Hours which is cost saving</li>
<li>Good Quality Products in Less Price</li>
</ul>
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		<title>Modern Communication Services</title>
		<link>http://www.technoforum.org/2009/06/modern-communication-services/</link>
		<comments>http://www.technoforum.org/2009/06/modern-communication-services/#comments</comments>
		<pubDate>Wed, 24 Jun 2009 05:54:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[General]]></category>

		<category><![CDATA[broadband services]]></category>

		<category><![CDATA[IT services]]></category>

		<category><![CDATA[outsourcing]]></category>

		<guid isPermaLink="false">http://www.technoforum.org/?p=83</guid>
		<description><![CDATA[Everybody in this modern world likes to have some modern communication services. For this purpose, there are many different broadband and server providers in the entire world. All the broadband services and servers are very much famous and useful especially for businessmen. These companies are proudly providing <a href="http://ugt-servers.com">Ventrilo</a> servers on the internet today. Through these servers, you can easily connect to each other and also talk over the computers and headphones. Ventrilo server hosting [...]]]></description>
			<content:encoded><![CDATA[<p>Everybody in this modern world likes to have some modern communication services. For this purpose, there are many different broadband and server providers in the entire world. All the broadband services and servers are very much famous and useful especially for businessmen. These companies are proudly providing <a href="http://ugt-servers.com">Ventrilo</a> servers on the internet today. Through these servers, you can easily connect to each other and also talk over the computers and headphones. Ventrilo server hosting is one of the best and premier options for connecting to any other person. This is also known as a standalone VoIP application that provides real time communications via ventrilo hosting servers. You can easily and immediately access to the control panels of other customers through Ventrilo servers. Ventrilo servers are also greater options for competitive gaming clans.  </p>
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		<title>Building vs. Buying a Computer</title>
		<link>http://www.technoforum.org/2009/06/building-vs-buying-a-computer/</link>
		<comments>http://www.technoforum.org/2009/06/building-vs-buying-a-computer/#comments</comments>
		<pubDate>Wed, 17 Jun 2009 04:30:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://www.technoforum.org/?p=74</guid>
		<description><![CDATA[You&#8217;ve come to a point where you need a new computer. A complete computer is CPU, monitor, scanner and printer. If you want to <a href="http://www.ipseos.com/shopping/categories/4082-1/computers/monitors.html">buy monitor</a> or also want to buy some cheap scanners, then you must focus on online websites of internet. All these sites provide 100% guaranteed and genuine information about scanner prices, <a href="http://www.ipseos.com/shopping/categories/4022-1/computers/printers.html">printer deals</a> and guide for how to <a href="http://www.ipseos.com/shopping/categories/4031-1/computers/scanners.html">buy scanner</a>.First off, you need to ask some fundamental questions. [...]]]></description>
			<content:encoded><![CDATA[<p>You&#8217;ve come to a point where you need a new computer. A complete computer is CPU, monitor, scanner and printer. If you want to <a href="http://www.ipseos.com/shopping/categories/4082-1/computers/monitors.html">buy monitor</a> or also want to buy some cheap scanners, then you must focus on online websites of internet. All these sites provide 100% guaranteed and genuine information about scanner prices, <a href="http://www.ipseos.com/shopping/categories/4022-1/computers/printers.html">printer deals</a> and guide for how to <a href="http://www.ipseos.com/shopping/categories/4031-1/computers/scanners.html">buy scanner</a>.First off, you need to ask some fundamental questions. What is your budget? What do you expect from a computer? What will its primary functions be? Do you want it for gaming, or to surf the Web and create documents and spreadsheets? Will you be doing a lot of photo editing and artwork?</p>
<p>These are just some of the things to consider. Also, what kind of money are you willing to spend not only on the computer, but a printer, monitor, security software, separate data storage devices, webcams etc.</p>
<p>We&#8217;ll take a stroll down both paths, and I&#8217;ll try to keep things as easy to understand as I can, and limit the techspeak, unless it&#8217;s unavoidable.</p>
<p>Buying a New System</p>
<p>There are several manufacturers in the computing world, and each one makes several different types of systems. I won&#8217;t use brand names, as each company has its own merits, and its own drawbacks. Just remember, a good rule of thumb these days is a new computer system is generally obsolete after a year, sometimes sooner.</p>
<p>Another thing to keep in mind is expandability. A key question to ask is can you upgrade components easily? With some manufacturers, you can only use the parts that they make, such as RAM and power supplies. As time passes, the cost of replacing parts becomes a problem, as well as even being able to find them.</p>
<p>Don&#8217;t let these things throw you, however. Many companies are leading edge, and do their best to stay current, if not ahead, of the game. Just be aware that you&#8217;ll pay a premium for the newest features, but the cost usually doesn&#8217;t pay for itself in the long run. Always do your homework on a particular system that catches your eye. There is plenty of information available on all the devices and gadgets out there, and if something about a system is suspect or faulty, it won&#8217;t take long to be made known to the world.</p>
<p>Also, don&#8217;t be shy about grilling a salesperson about features that you don&#8217;t understand or have heard bad things about. Rule of thumb on this is: If the salesman can&#8217;t answer your questions, don&#8217;t be led astray. It&#8217;s your investment, and any investment is worth understanding fully.</p>
<p>Building a System</p>
<p>Here&#8217;s where things get really interesting. If you&#8217;ve never put a computer together, it can seem impossible. However, if you have a small amount of mechanical ability and patience, you&#8217;ll find this to be a very rewarding pursuit.</p>
<p>You&#8217;ll also get a good understanding of how each component makes up an overall computer, as well as how each one works. I&#8217;ve personally built more machines than I can easily count, and each time out it&#8217;s always similar, but also very different.</p>
<p>A trip to a bookstore or the &#8216;Net will get you more than enough information for a complete overview of how a PC is constructed.</p>
<p>One of the main considerations on building your own machine is that you can blow your budget quickly on components. Always try to get the most value for the money you&#8217;re willing to spend, and shop around for the best bargains. Again, do your homework and research before heading to the store.</p>
<p>Good luck, and happy computing!</p>
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		<title>Herbal Detox - Mother Nature&#8217;s Cleansing Program</title>
		<link>http://www.technoforum.org/2009/05/herbal-detox-mother-natures-cleansing-program/</link>
		<comments>http://www.technoforum.org/2009/05/herbal-detox-mother-natures-cleansing-program/#comments</comments>
		<pubDate>Sat, 16 May 2009 18:08:00 +0000</pubDate>
		<dc:creator>Abraham Foster</dc:creator>
		
		<category><![CDATA[Programming]]></category>

		<guid isPermaLink="false">http://www.technoforum.org/?p=50</guid>
		<description><![CDATA[In a perfect world free of toxins, your body would be ingesting only natural substances from which it could metabolize the energy to keep going.  But when it is exposed to artificial chemicals and other toxins, the body must call on its own resources to isolate, neutralized, and eliminate those poisons. The skin, urinary system, and bowels are all called on to keep the body cleansed, and unless they are healthy will be unable [...]]]></description>
			<content:encoded><![CDATA[<p>In a perfect world free of toxins, your body would be ingesting only natural substances from which it could metabolize the energy to keep going.  But when it is exposed to artificial chemicals and other toxins, the body must call on its own resources to isolate, neutralized, and eliminate those poisons. The skin, urinary system, and bowels are all called on to keep the body cleansed, and unless they are healthy will be unable to perform their functions.</p>
<p><b>Science And Herbal detox</b></p>
<p>When the amount of toxins we absorb is too much for our bodies&#8217; organs to handle, some of the poison inevitably escapes into the blood where it is transported to the tissues and stored.  Scientific research has established a connection between the rate at which cells develop mutations when reproducing  and the presence of toxic free radicals in the body.</p>
<p>But scientific research has also established that herbs rich in certain phytochemicals are highly effective in helping the body cleans itself of stored toxins.  Herbal detox is the process of using these phytochemically-charged herbs to stimulate and support the cleansing functions of the body&#8217;s lungs, kidneys, liver, and bowels.</p>
<p><b>Cleansing Herbs</b></p>
<p>While detoxification itself can be done with a variety of different methods, and is intended to eliminate the poor digestion, obesity, fatigue, allergies, and other health problems associated with toxic accumulation, herbal detox concentrates of the addition of herbal supplement and herbal teas to the diet.  Some herbs commonly included in <a target="_new" rel="nofollow" href="http://detoxbliss.com/detox/what-is-a-herbal-detox">herbal detox</a> regimens include:</p>
<p>* Psyllium seeds rich in fiber which stimulates bowel function and creates a feeling of fullness to help quell food cravings.  Pysillium seed is excellent for drawing toxins from your tissues and absorbing them to be passed form your body in the stool.</p>
<p>* Milk thistle is used in herbal detox to enable the liver&#8217;s synthesis of protons, and to rid the body of contamination with its antioxidant properties.</p>
<p>* Nettle leaf is included in herbal detox as a diuretic to flush out toxins in the urine, but nettle also cleanses joint fluid.</p>
<p>* Burdock root and seed are known as herbal detox agents which function like nettle leaf, but are more powerful cleansers, and dandelion root is excellent for as liver detoxifier.</p>
<p>* Dandelion root also boosts urinary function and the amount of toxins removed in the urine.</p>
<p>Herbal detox can be done on its own or incorporated into  a full detoxification diet, where it will be most effective because you will not be hampering the herb&#8217;s cleansing function by continuing to ingest toxins in your food and drink.</p>
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		<title>1 Step Program to Achieve All of Your Goals</title>
		<link>http://www.technoforum.org/2009/05/1-step-program-to-achieve-all-of-your-goals/</link>
		<comments>http://www.technoforum.org/2009/05/1-step-program-to-achieve-all-of-your-goals/#comments</comments>
		<pubDate>Sat, 16 May 2009 17:01:00 +0000</pubDate>
		<dc:creator>Wayne Perkins</dc:creator>
		
		<category><![CDATA[Programming]]></category>

		<guid isPermaLink="false">http://www.technoforum.org/?p=49</guid>
		<description><![CDATA[In Jack Canfield and Mark Victor Hansen&#8217;s original &#8220;Chicken Soup for the Soul,&#8221; I am reminded of the short story titled &#8220;Another Check Mark On the List.&#8221; This is a story about a 15-year-old boy named John who, on one rainy day, when it was too wet outside to play, he decided to write a list of goals. John continued writing until he had 127 goals. These goals included exploring the Nile River, climbing high [...]]]></description>
			<content:encoded><![CDATA[<p>In Jack Canfield and Mark Victor Hansen&#8217;s original &#8220;Chicken Soup for the Soul,&#8221; I am reminded of the short story titled &#8220;Another Check Mark On the List.&#8221; This is a story about a 15-year-old boy named John who, on one rainy day, when it was too wet outside to play, he decided to write a list of goals. John continued writing until he had 127 goals. These goals included exploring the Nile River, climbing high mountain peaks around the world and learning 3 foreign languages. He also wanted to be featured in a Rose Bowl Parade and play several musical instruments.</p>
<p>Of the 127 goals that he listed over 60 years ago, John has achieved 108. If he lives to become 75 years old he will achieve 109 . How did John achieve all of these goals? He wrote them down.</p>
<p>Step 1 Write It Down:</p>
<p>Write it down, write it down, and write it down!</p>
<p>Have you ever got to a point where you were going to write down a New Year&#8217;s Resolution or some other goal you thought you wanted, only to find yourself procrastinate. One year later, did you need to achieve the same New Year&#8217;s Resolution or goal? Why does this happen?</p>
<p>It happens because of that little voice inside of you that says, &#8220;I am not good enough or worthy enough to be in possession of the benefits derived from achieving my goal.&#8221; &#8220;I have been programmed for failure.&#8221;</p>
<p>I recently read a motivational quote that said: &#8220;If you can&#8217;t write it down, you can&#8217;t do it.&#8221;</p>
<p>Let us think about that for a minute. Every day you may be compiling lists of things to do to run your household, perform your job, or plan your business trip or vacation. How many times do you really write down, exactly what you want out of life?</p>
<p>How many long term or short-term goals do you write down?</p>
<p>Now when thinking about what you want to achieve focus your attention on specific words and ideas relating to your goals. Give those words and ideas your complete attention as you write them down.</p>
<p>Did you ever write a letter, business report, or term paper and at times find your fingers flying across the keyboard?</p>
<p>Since written words are symbols of objects, ideas, or feelings, could the physical process of entering these words onto a page actually create a subconscious connection?</p>
<p>I believe it does. When you use language to communicate on paper, you need to process the information on a subconscious level.</p>
<p>The help you are getting while creating your list of goals is coming straight from your powerful subconscious mind. Why not take advantage of the power of your mind in achieving your goals?</p>
<p>Write your goals down in your day planner, write them down, and hang them on your walls. Write your goals on sticky notes and place them on your bathroom mirror or on your windows.</p>
<p>Every time you write your goals down, your body is moving towards them. The goals are getting clearer and clearer. The roadmap you create by writing goals down projects straight to your subconscious mind and is being acted upon.</p>
<p>A now popular syndicated cartoonist wrote down 15 times a day, every day the following sentence. &#8220;I want to be a syndicated cartoonist.&#8221; He did this every single day, even when he did not feel like a syndicated cartoonist. Now, Scott Adams, the creator of the &#8220;Dilbert Cartoon&#8221; is a full-time, syndicated cartoonist, known the world over. Scott &#8220;wrote it down.&#8221;</p>
<p>One way to state that goal in a more positive and immediate context is to say, &#8220;I am a syndicated cartoonist.&#8221; Act as if you already are in possession of the goal. It takes a lot of pressure off you during your daily activities when you feel the new role. You then become comfortable with it.</p>
<p>Write your goals down everywhere. As you write them down think about John, the 15-year-old goal achiever from the &#8220;Chicken Soup for the Soul&#8221; story. Now that John is in his seventies, what advice would John have for you when you ask him, &#8220;What is the most important thing I can do to achieve my goals?&#8221;</p>
<p>Listen to John whisper in your ear these three words&#8230; write it down.</p>
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		<title>Create Your Own Free Daily Affirmation Program That Works</title>
		<link>http://www.technoforum.org/2009/05/create-your-own-free-daily-affirmation-program-that-works/</link>
		<comments>http://www.technoforum.org/2009/05/create-your-own-free-daily-affirmation-program-that-works/#comments</comments>
		<pubDate>Sat, 16 May 2009 14:28:00 +0000</pubDate>
		<dc:creator>Janet Brooks</dc:creator>
		
		<category><![CDATA[Programming]]></category>

		<guid isPermaLink="false">http://www.technoforum.org/?p=48</guid>
		<description><![CDATA[Affirmations, why do some work and some don’t?  Many people have life altering success with positive affirmations, while others give up on them altogether.
For the last 5 years, I have studied positive affirmations and have come up with a Three Part Plan that should help even those of us who have had no previous success.
What are affirmations?   Affirmations are Statements that you use to make “something firm”.  The process of using [...]]]></description>
			<content:encoded><![CDATA[<p>Affirmations, why do some work and some don’t?  Many people have life altering success with positive affirmations, while others give up on them altogether.</p>
<p>For the last 5 years, I have studied positive affirmations and have come up with a Three Part Plan that should help even those of us who have had no previous success.</p>
<p>What are affirmations?   Affirmations are Statements that you use to make “something firm”.  The process of using affirmations is actually ancient.  Biblically, they’ve also been referred to as “confessions”.</p>
<p>There are hundreds of books, tapes, CD’s, computer software and even jewelry that have ways to use Affirmations.  However, it’s important to know why using these Statements with certain methods will bring immediate results, while others bring nothing but headaches.</p>
<p>Take a look at this Bible Verse<i><b> Faith Cometh By Hearing and Hearing by the Word of God</i></b>- Romans 10:17.  Think about this for a moment, if Faith comes by hearing, what do we hear?  Our voice, right?  If our words are positive, then our life experiences tend to be positive.</p>
<p>Unfortunately, each Truth has a reciprocal.  If you are Confessing nothing but the negative, your bound to get what you don&#8217;t want.  <b>It’s that simple.</b>  Proverbs 2 says that <i><b>You are snared with the words of your mouth.</i></b></p>
<p>Therefore, you’re first step is to curb your tongue.   Think of your tongue as a rudder, it can literally turn your life in any direction that you want it to go.   It takes a little effort to become aware of how many times in a day you make a negative statement, or profess something that you don’t want to happen. <b>Affirm the positive! Always concentrate on what you want to happen! And NOT what you don&#8217;t want to happen</b>  And, definitely do so<b> Out Loud!</b>  If you want to get faster results, make a tape stating each confession 3 times.  Listen to this tape as your drifting off to sleep and when you first awake. You should even record your Detailed Description and place it at the end.</p>
<p>Next, Write your Affirmations.  When I want to make a change in my life, I write out at least 15-20 specific related Statements.  Additionally, I create and write a very Detailed Description of how my life will be once these changes have manifested.   I always focus on one goal at a time.  In other words, I don’t try to loose weight and attract wealth simultaneously.  Results come from intense focus!</p>
<p>Every day I write these affirmations at least 3 times each and in different tenses .  It takes about an hour, but it is well worth it because when I am writing these affirmations, my mind is quiet, focused and extremely receptive.  Again, I am focusing on what I want, and NOT what I am trying to change.</p>
<p>Finally,  keep these affirmations in front of you as often as possible.  This is done in two ways; that which is “seen” and that which is “unseen”.  Personally, I have experienced dramatic results with a customized computer program that flashes my affirmations continuously and unobtrusively while I am working or surfing the internet.  I also tape a list of my affirmations to my bathroom mirror, in my day planner, car dashboard, etc.</p>
<p>In addition to this computer software, I also meditate on my Detailed Description daily.  I visualize my new life in as much detail as I can.  I usually take about 15 minutes in the morning and evening to do this.</p>
<p>Know this, it is just as easy to have Faith in the &#8220;undesired&#8221; as it is to have Faith in the “desired”.  Ask yourself,  &#8220;What will I have Faith in?&#8221; <b><i> Faith is the substance of things hoped for, the evidence of things not seen.</b></i>- Hebrews 11:1  Remember, you only need Faith in the size of a mustard seed!</p>
<p>Follow these 3 Steps and you will build your Faith that these Affirmations will manifest.  Remember, <b>As a Man Thinketh, So is He.</b></p>
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		<title>Affiliate Marketing Program That Promises You More of Your LIFE</title>
		<link>http://www.technoforum.org/2009/05/affiliate-marketing-program-that-promises-you-more-of-your-life/</link>
		<comments>http://www.technoforum.org/2009/05/affiliate-marketing-program-that-promises-you-more-of-your-life/#comments</comments>
		<pubDate>Sat, 16 May 2009 13:46:00 +0000</pubDate>
		<dc:creator>Rivers Corbett</dc:creator>
		
		<category><![CDATA[Programming]]></category>

		<guid isPermaLink="false">http://www.technoforum.org/?p=47</guid>
		<description><![CDATA[The lives people live by today. They&#8217;re working 2 or 3 jobs, no rest days, not making enough money, taking mortgage after mortgage on anything you can mortgage on, unsatisfied, tired, unhappy and just plain fed up with life. Does that sound like you? Well you&#8217;re not the only one. People are going through real rough times now and noting seems to be getting any easier. That is why people turn to the Internet a [...]]]></description>
			<content:encoded><![CDATA[<p>The lives people live by today. They&#8217;re working 2 or 3 jobs, no rest days, not making enough money, taking mortgage after mortgage on anything you can mortgage on, unsatisfied, tired, unhappy and just plain fed up with life. Does that sound like you? Well you&#8217;re not the only one. People are going through real rough times now and noting seems to be getting any easier. That is why people turn to the Internet a lot.</p>
<p>What is it they find on the web? Business opportunities. Everyone wants to be able to run their own business because the possibilities are much more than a 9-5 job. It can be the easiest and fastest way to earn a lot of money. And one of those online businesses are Affiliate Marketing Programs. The way it works is the person acts as a salesperson for a vendor or company, but they are not working for the company. Its like having a job minus the boss. Its a job, but your own business at the same time. Once sales are made, then the vendors pay you accordingly.</p>
<p>Then comes the issue of which Affiliate marketing program to choose because there are a lot, and i mean A LOT of them out there. The first and most important thing to do is a hell of a lot of research. Search about the company, people working with the company, the affiliates of the company etc. And dont just look at their website because obviously companies are not going to say anything bad about themselves, but don&#8217;t depend on blogs from their rivals either. Common sense is going to have to be working extra hard for you.</p>
<p>Lastly, don&#8217;t fall for lines like &#8220;be a millionaire in 3 months&#8221; because that is simply not going to happen. If it were, shouldn&#8217;t half of the States be full of millionaires by now? Think about it. Be realistic and honest with yourself. This is going to take work. Affiliate marketing programs sound like easy ways to get money, but easy for people who work at it and don&#8217;t sit around their behinds all day.</p>
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		<title>Good Credit is King, When Qualifying for Mortgage Programs</title>
		<link>http://www.technoforum.org/2009/05/good-credit-is-king-when-qualifying-for-mortgage-programs/</link>
		<comments>http://www.technoforum.org/2009/05/good-credit-is-king-when-qualifying-for-mortgage-programs/#comments</comments>
		<pubDate>Sat, 16 May 2009 12:56:00 +0000</pubDate>
		<dc:creator>Mark Barnes</dc:creator>
		
		<category><![CDATA[Programming]]></category>

		<guid isPermaLink="false">http://www.technoforum.org/?p=46</guid>
		<description><![CDATA[If you want to purchase a new home or refinance your current mortgage, be sure to check out the wide array of loan programs available. If you have less than excellent or even poor credit, you can still qualify for a loan.  If you have outstanding credit, though, you are in the proverbial driver&#8217;s seat, when it comes to selecting your loan program.  Be sure to find a good mortgage consultant, and carefully [...]]]></description>
			<content:encoded><![CDATA[<p>If you want to purchase a new home or refinance your current mortgage, be sure to check out the wide array of loan programs available. If you have less than excellent or even poor credit, you can still qualify for a loan.  If you have outstanding credit, though, you are in the proverbial driver&#8217;s seat, when it comes to selecting your loan program.  Be sure to find a good mortgage consultant, and carefully explain exactly what you need.  Here are just a couple of &#8220;outside-the-box&#8221; programs that come in handy for some people but require excellent credit ratings.</p>
<p>Stated loan programs are designed for a person whose income or assets fluctuate from month to month and year to year.  Not many banks offer stated programs.  Many people who need stated programs get turned down by not only banks but by inexperienced mortgage brokers who don’t understand the breadth of the programs at their fingertips.  So, you may have to enlighten them with your own insight by telling them this is the program you need.</p>
<p>Stated programs are for people who may not qualify for a conventional loan, because they do not meet income requirements a lender has.  A prime example is someone who does not show all of her income on a W-2 tax return, for one reason or another.  This person may make enough money to cover the mortgage payment, but she can’t prove she makes it on paper.  Lenders like to see two years of W-2 income.  This proves to them that you consistently make enough money to pay back the loan.  Now, it’s important to note that this is a good credit program, and a lender will want someone with at least A-minus credit for approval.  Here is where all that work to maintain your spartan credit record is going to pay off.</p>
<p>What the stated loan requires is all standard documents, except income verification.  In other words, the loan officer is going to state your income on the application, and no proof is required.  Please note that this program is not intended for someone who works at McDonalds to try to state that he makes $200,000 yearly, so he can get approved for a $400,000 loan.  It is intended for people, like salesmen, whose income varies or for businessmen, who work on bonuses, which they may not receive until the next year.  As long as the income is reasonable for the profession, no underwriter will ever question it.  So, if you needed to make 60,000 yearly for approval, but you only show $54,000 on last year’s W-2, your mortgage broker can get you a stated income program, and he will simply write $60,00 on the application.  Don’t worry, the lender won’t ask for pay stubs or tax returns.  Your credit rating speaks for itself.  In other words, the lender sees that you have an excellent payment history on your other debts, so he is willing to take on a bit more risk.</p>
<p>A stated asset program works the same way, and good credit is required for approval in this program, too.  Lenders require cash reserves, in order to cover several months of mortgage payments, in the event something goes wrong after the loan closes, like you lose your job or get hurt.  This can be a problem for people who have no savings, stocks, or retirement accounts, which are all acceptable forms of reserves.  If you fall into this category, you simply ask for a stated asset loan, and the mortgage broker will state enough assets on your loan application to appease the lender.</p>
<p>This seems fraudulent, you might say.  It isn’t, as long as you follow the guidelines set forth by the lenders.  Remember, they created these programs, so they could loan more money.  You’ll pay, of course, because the lender will hit you with a premium on your rate, because the loan is more of a risk.  So, instead of getting a 6% rate, you might get as high as 6.75%, but at least you’ll get your loan.</p>
<p>There are many other loan programs that allow you to borrow more of the equity in the house, let&#8217;s say up to 95% or even 100%, due to a great credit rating.  Some programs allow for an improvement on your interest rate.</p>
<p>It&#8217;s always important to ask your mortgage broker if there is some kind of incentive because you have A or A+ credit. Most lenders allow the mortgage broker to either give you the break in rate, or they&#8217;ll give it to the broker in a cash commission.  Many unscrupulous brokers will never mention the credit bonus to you, and they&#8217;ll make up to .25% of the loan amount for themselves.</p>
<p>So, if you had a $200,000 loan, and the lender allowed a .25% interest reduction or commission to the broker, and the broker takes it, instead of giving it to you, that mortgage broker would make $500.00 extra dollars, which would be paid by the lender.  Of course, if you had received the .25% better rate, your payment would decrease by about $30.00 each month and $360.00 each year.  That&#8217;s nearly $2,000 if you have the loan for five years that you would lose to a greedy mortgage broker.  So, always ask for something, due to your excellent credit.</p>
<p>And always remember, with good credit, you are king.  And kings always make the rules.  Learn more at www.winningthemortgagegame.com</p>
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		<title>Microsoft Great Plains Integration with Legacy Systems - Overview For Developer</title>
		<link>http://www.technoforum.org/2009/05/microsoft-great-plains-integration-with-legacy-systems-overview-for-developer/</link>
		<comments>http://www.technoforum.org/2009/05/microsoft-great-plains-integration-with-legacy-systems-overview-for-developer/#comments</comments>
		<pubDate>Sat, 16 May 2009 12:40:00 +0000</pubDate>
		<dc:creator>Andrew Karasev</dc:creator>
		
		<category><![CDATA[Programming]]></category>

		<guid isPermaLink="false">http://www.technoforum.org/?p=45</guid>
		<description><![CDATA[Looks like Microsoft Great Plains becomes more and more popular, partly because of Microsoft muscles behind it. Now it is targeted to the whole spectrum of horizontal and vertical market clientele. Small companies use Small Business Manager , Great Plains Standard on MSDE is for small to midsize clients, and then Great Plains serves the rest of the market up to big corporations.
If you are developer who is asked: how do we implement Great Plains [...]]]></description>
			<content:encoded><![CDATA[<p>Looks like Microsoft Great Plains becomes more and more popular, partly because of Microsoft muscles behind it. Now it is targeted to the whole spectrum of horizontal and vertical market clientele. Small companies use Small Business Manager , Great Plains Standard on MSDE is for small to midsize clients, and then Great Plains serves the rest of the market up to big corporations.</p>
<p>If you are developer who is asked: how do we implement Great Plains integration/interface  with your legacy or other system – read this and you will have the clues on where to look further.</p>
<p>1.	Great Plains Integration Manager - this is rather end-user tool - it is very intuitive, it validates 100% of business logic, brings in/updates master records  brings in transactions into work tables.  The limitation of Integration Manager - it does use GP windows behind the scenes without showing them - so it is relatively slow - you can bring 100 records - but when you are talking about thousands - it is not a good option.  By the way you can program Integration Manager with VBA.</p>
<p>2.	eConnect – it is type of Software Development Kit with samples in VB.Net.  Obviously the development environment should be Visual Studio.Net.  eConnect will allow you to integrate master records - such as new customers, vendors, employees, etc., plus you can bring transactions into so called Great Plains work tables   eConnect is rather for ongoing integration.  It was initially created for eCommerce application integration to Great Plains.</p>
<p>3.	SQL Stored Procedures.  Obviously you have unlimited control and possibilities with SQL queries.  You need to know Great Plains tables structure and data flow.  Launch Great Plains and go to Tools->Resource Description->Tables.  Find the table in the proper series.  If you are looking for the customers – it should be RM00101 – customer master file.  If you need historical Sales Order Processing documents – they are in SOP30200 – Sales History Header file, etc.   Do not change existing tables - do not create new fields, etc.  Also you need to realize that each GP table has DEX_ROW_ID - identity column.  Sometimes it is good idea to use inbound/outbound XML in the parameters - then you can deploy web service as a middle party between two systems.</p>
<p>4.	Data Transformation Services  – Good tool for importing your third party data into staging tables in GP - then you can pull them in using either stored procs of Integration Manager.  You can also deploy this tool for EDI export/import.</p>
<p>5.	Great Plains Dexterity Custom Screens.  Sometimes users prefer to have seamlessly integrated into GP interface custom screens - for parameters settings and initiating integration.  Dexterity is a good option, however remember - it is always better to create new custom screen versus customizing existing one - due to the future upgrade issues.  Also - Dexterity is in phasing our by Microsoft Business Solutions.</p>
<p>6.	Modifier/VBA custom buttons on the existing screens -  alternative to Dexterity is you are comfortable with VBA and ADO.</p>
<p>7.	MS Access – if you are doing one time conversion and your legacy has old ODBC compliant platform - you can use MS Access to create linked tables there - or import into MS Access.</p>
<p>8.	SQL Linked Servers – you can do direct SQL queries to other ODBC compliant platform via SQL Linked Server  - you may need to familiarize yourself with OPENROWSET command in Transact SQL.  This is also good option if you need cross-platform Crystal Report - pulling data from SQL Server and third party databases on the same report.</p>
<p>9.	Warning - do not place existing GP tables into Replication! - you will have upgrade issues.</p>
<p>Happy integrating!  if you want us to do the job - give us a call 1-866-528-0577! <a href="mailto:help@albaspectrum.com">help@albaspectrum.com </a></p>
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		<title>The ClickBank E-Commerce Solution</title>
		<link>http://www.technoforum.org/2009/05/the-clickbank-e-commerce-solution/</link>
		<comments>http://www.technoforum.org/2009/05/the-clickbank-e-commerce-solution/#comments</comments>
		<pubDate>Sat, 16 May 2009 10:29:00 +0000</pubDate>
		<dc:creator>J. Stephen Pope</dc:creator>
		
		<category><![CDATA[Programming]]></category>

		<guid isPermaLink="false">http://www.technoforum.org/?p=44</guid>
		<description><![CDATA[ClickBank.com can offer you multiple solutions for your e-commerce business.  Here are some of the advantages of using ClickBank.
1.  Accept Credit Cards Without a Merchant Account
If your product is downloadable , ClickBank may be an excellent solution for you. For a $49.95 initial fee, you can process credit cards and on-line cheques for $1.00 per transaction plus 7.5% of sales.
2.  Start Your Own Affiliate Program
With ClickBank, you have your own built-in affiliate [...]]]></description>
			<content:encoded><![CDATA[<p>ClickBank.com can offer you multiple solutions for <br />your e-commerce business.  Here are some of the <br />advantages of using ClickBank.</p>
<p>1.  Accept Credit Cards Without a Merchant Account</p>
<p>If your product is downloadable , ClickBank may be an excellent <br />solution for you. For a $49.95 initial fee, you can <br />process credit cards and on-line cheques for $1.00 <br />per transaction plus 7.5% of sales.</p>
<p>2.  Start Your Own Affiliate Program</p>
<p>With ClickBank, you have your own built-in affiliate <br />program. You decide what commission  <br />you would like to pay your affiliates.</p>
<p>To learn more about ClickBank.com, visit<br />http://www.yenommarketinginc.com/buy/clickbank.html</p>
<p>3.  Receive Free Advertising</p>
<p>You receive additional exposure through free listing <br />on the ClickBank website and through the search <br />facilities of other websites, such as CBMall.com.</p>
<p>To learn more about CBMall.com, visit<br />http://www.yenommarketinginc.com/buy/cbmall.html</p>
<p>4.  Obtain Referral Commissions</p>
<p>Even without applying for ClickBank credit card <br />processing, you can earn referral commissions on <br />thousands of ClickBank Marketplace products.</p>
<p>To learn more about ClickBank Marketplace, visit<br />http://www.yenommarketinginc.com/buy/clickbank-marketplace.html</p>
<p>5.  Eliminate Sales Tax Problems</p>
<p>Are you registered for Value Added Tax  for <br />online transactions for European Union  <br />countries since July 1, 2003?</p>
<p>Are you collecting the appropriate state or <br />provincial sales taxes?</p>
<p>If you are a Canadian, are you aware of your <br />obligation to collect Goods and Services Tax  <br />and Harmonized Sales Tax  on Internet <br />transactions?</p>
<p>Again, ClickBank may be your solution.  ClickBank <br />is registered for EU purposes and adds the <br />appropriate VAT to each transaction.</p>
<p>As well, to deal with ClickBank, you must agree to <br />sell your product to them.  ClickBank then resells <br />your product to their customers.  Thus, ClickBank <br />becomes the retailer responsible for collecting <br />sales taxes &#8212; not you.  Obviously, ClickBank will<br />not be subject to sales taxes in most jurisdictions.</p>
<p>Since ClickBank is located in the United States and <br />can only sell or use the products it sells from <br />there, it would appear that Canadian G.S.T. and <br />H.S.T. would not be applicable to them.</p>
<p>Of course, this is not legal advice.  To determine<br />your liability for sales and similar taxes, consult <br />your lawyer and accountant.</p>
<p>To read more about sales taxes on Internet <br />transactions, visit <br />http://www.yenommarketinginc.com/e-commerce-tax.html</p>
<p>Considering its many advantages, ClickBank may well <br />be your e-commerce solution!</p>
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