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Added for You - How the Internet Actually Works
The way you manage your money is one of the first things you'll change when you move from employment to self-employment.You are moving from an environment where you received income in equal amounts at set intervals to one where your income fluctuates.Managing money in such circumstances is unfamiliar and, for most of us, uncomfortable.These are some tips I developed from my experience of 10+ years of self-employment.• KEEP GOOD RECORDSWhen I first got started, an old CPA friend of mine had three words to say. “Keep good records.”Maintaining good records of your money transactions helps you in several ways.It helps you track your income and spending so you can create a realistic budget.Your financial records become a management tool for your business. If your records are accurate and up to date, you can track changes in income and spending – and take appropriate action, when necessary.There’s gold in those records. As a self-employed person you can deduct all kinds of business expenses. But you have to be able to substantiate them with evidence (receipts, invoices, credit card slips, mileage logs, etc.)Lastly, keeping good financial records keeps the authorities happy when they come calling. The IRS audit rate of self-employed people is higher than almost any other group.• OPEN SEPARATE CHECKING AND SAVINGS ACCOUNTS FOR YOUR BUSINESS.Having separate bank accounts in your business’s name does a great deal to prove to snoopy tax authorities that you are really running a business and not a hobby.But more important, it helps you to keep your records straight.Money you generate and spend in the process of conducting your business goes through your business account, all other money goes into your personal account.TIP: If you are a sole-proprietor, don’t intend to have employees, and don’t anticipate a need for business loans, your account can be a separate personal checking account. All that is necessary is that your account be in the name of your business.If your bank insists that you open a higher cost 'business acccount,' consider going to a credit union, where rates and terms are more favorable than those of commercial banks.• THE BANE OF FLUCTUATING CASH FLOWManaging fluctuating income is one of the biggest challenges of self-employment.The most difficult part of having a fluctuating cash flow is dealing with the anxiety that arises when cash flow is tight.Most people who have been self-employed for a considerable amount of time develop a simple faith that money will flow again. But it gets uncomfortable for us, too, when the downturn is severe or prolonged.Here are some tips on coping.Hav
What I have described so far is probably not the Internet as you or most would see it. It's unlikely you see the Internet as a democratic and uniform computer network, and to an extent, it isn't. The reason for this is that I have only explained the foundations of the system so far, and this foundation operates below the level you'd normally be aware of. On the lowest level you would be awar
Understanding how specific investment strategies can affect your entire commercial real estate process. A popular topic of commercial real estate is what is known as quick turning. The media has caught on to this phenomenon and generalized it. Many of the things you may have heard about quick turning are not as simple as they make them look. The general public has confused the arena of quick turning to include simple speculation. While the differences may not be apparent at first, if we delve deeper, there are several key variations.The first way to look at speculating is that it is performed by the absolute amateurs in real estate. This is not what an experienced commercial property investor would ever do. Now, I’m not going to say that a speculator can not make any money, because they sometimes do. However, if they do, their success is more related to luck than anything. Their success depends on which market that they invest in and the timing in which they invest. Making money to the speculator is much more a game of chance than the expert investor.The media as a whole has made the quick turning professional look like someone who is simply shooting in the dark. They make them appear to be rolling the dice and hoping for the best. In reality, this is simply not the case. Quick turning is almost a scientific process. There are specific criteria that must be met in order to succeed. If the criteria are not in place, the deal doesn’t happen. With the speculator, they very well could make a bad deal. They may not follow the same set of strict criteria that the quick turner does. It is important not to group these two very different investors together. The big difference is that speculation works in some markets at certain times of the year. Quick turning will work in any market and at any time. There are systems in place that ensure their success.Quick turning strongly relies on fundamentals. This is why it is successful in every market. You can’t simply buy a great property in an appreciating market and hope that it will go up in value. In order to succeed in quick turning, you must find undervalued properties. This is the absolutely critical first step in any quick turn deal. You figure in the profit from the beginning. This is before you even purchase the property. The ARV (after repaired value) is assessed before you buy the property. The repair costs are also estimated beforehand. This will help to control the costs throughout the process. With these estimates in hand, a wise financial decision can be made. There is really no guesswork involved. After these estimates are made, if the profit isn’t high enough, you move on to the next property. Don’t even get involved. The speculator, on the other hand, may decide to
The Internet is THE large global computer network that people connect to by-default, by virtue of the fact that it's the largest. And, like any computer network, there are conventions that allow it to work.
This is all it is really – a very big computer network. However, this article will go beyond explaining just the Internet, as it will also explain the 'World Wide Web'. Most people don't know the difference between the Internet and Web, but really it's quite simple: the Internet is a computer network, and the Web is a system of publishing (of websites) for it.
Computer networks
And, what's a computer network? A computer network is just two or more of computers connected together such that they may send messages between each other. On larger networks computers are connected together in complex arrangements, where some intermediary computers have more than one connection to other computers, such that every computer can reach any other computer in the network via paths through some of those intermediary computers.
Computers aren't the only things that use networks – the road and rail networks are very similar to computer networks, just those networks transport people instead of information. Trains on a rail network operate on a certain kind of track – such a convention is needed, because otherwise the network could not effectively work. Likewise, roads are designed to suit vehicles that match a kind of pattern – robust vehicles of a certain size range that travel within a certain reasonable speed range. Computers in a network have conventions too, and we usually call these conventions 'protocols'.
There are many kinds of popular computer network today. The most conventional by far is the so-called 'Ethernet' network that physically connects computers together in homes, schools and offices. However, WiFi is becoming increasingly popular for connecting together devices so that cables aren't required at all.
Connecting to the Internet
When you connect to the Internet, you're using networking technology, but things are usually a lot muddier. There's an apt phrase, "Rome wasn't built in a day" because neither was the Internet. The only reason the Internet could spring up so quickly and cheaply for people was because another kind of network already existed throughout the world – the phone network!
The pre-existence of the phone network provided a medium for ordinary computers in ordinary people's homes to be connected onto the great high-tech military and research network that had been developed in years before. It just required some technological mastery in the form of 'modems'. Modems allow phone lines to be turned into a mini-network connection between a home and a special company (an 'ISP') that already is connected up to the Internet. It's like a bridge joining up the road networks on an island and the mainland – the road networks become one, due to a special kind of connection between them.
Fast Internet connections that are done via '(A)DSL' and 'Cable' are no different to phone line connections really – there's still a joining process of some kind going on behind the scenes. As Arthur C. Clarke once said, 'any sufficiently advanced technology is indistinguishable from magic'.
The Internet
The really amazing about the Internet isn't the technology. We've actually had big Internet-like computer networks before, and 'The Internet' existed long before normal people knew the term. The amazing thing is that such a massive computer network could exist without being built or governed in any kind of seriously organised way. The only organisation that really has a grip on the core computer network of the Internet is a US-government-backed non-profit company called 'ICANN', but nobody could claim they 'controlled' the Internet, as their mandate and activities are extremely limited.
The Internet is a testament both simultaneously due to the way technologists cooperated and by the way entrepreneurs took up the task, unmanaged, to use the conventions of the technologists to hook up regular people and businesses. The Internet didn't develop on the Microsoft Windows 'operating system' – Internet technology was built around much older technical operating systems; nevertheless, the technology could be applied to ordinary computers by simply building support for the necessary networking conventions on top of Windows. It was never planned, but good foundations and a lack of bottlenecks (such as controlling bodies) often lead to unforeseen great rises – like the telephone network before, or even the world-wide spread of human population and society.
What I have described so far is probably not the Internet as you or most would see it. It's unlikely you see the Internet as a democratic and uniform computer network, and to an extent, it isn't. The reason for this is that I have only explained the foundations of the system so far, and this foundation operates below the level you'd normally be aware of. On the lowest level you would be awar
As you will soon find out when looking for a position in a new field is to quantify the skills (tasks that you are particularly good at) and then communicating them in either written or verbal form to a new employer.By matching your skills to those that are used in a variety of different works settings may be able to help you match your skills which would result in you finding the right position for you.Firstly you need to actually determine what skills you have and will help in ensuring that you become the candidate who will get the job that you have applied for. However the skills that you are talking about do not necessarily have to be ones that have come from a work environment even if your are applying for your first job and yet have no work experience, you will still have a chance of getting a job in the industry of your choice.Most skills include knowledge based (training) and skills that are easily transferable to another field of work. For example you could have obtained your skills whilst working as a volunteer, during your student years, as a homemaker or through any other activities that you take part in. You may find that the skills you have obtained through these activities can be easily applied to the job that you are applying for.It is advisable to list and organize your personal skills so that when filling out a job application it will make it much easier for you. Also always provide the prospective employer with useful information when at the interview and always have a well prepared resume to include with the application form.It is advisable to always categorise the skills that you have by separating them out as interests that you have and the aptitude you have obtained from previous work experience (even included any weekend employment that you have had).When talking about aptitudes and interests you should include such things as any hobbies or activities that you take part in both now and in the past. Also include all subjects and things that are of interest to you. By jotting down a list of these you will able to look and see what skills are involved to help you achieve the right result in each subject.Skills that show you have an aptitude or interest in homemaking, playing football, repairing cars or any other such subject will show a prospective employer that you are capable of working as part of a team, can handle multiple tasks easily as well as many others. The list can go on, but it is vital that you consider all the skills that you feel would help and be beneficial in a work environment.Next you need to include your work history, this will include whether you have been a volunteer, worked part time, freelance or had summer or full time jobs. Now t
Computers aren't the only things that use networks – the road and rail networks are very similar to computer networks, just those networks transport people instead of information. Trains on a rail network operate on a certain kind of track – such a convention is needed, because otherwise the network could not effectively work. Likewise, roads are designed to suit vehicles that match a kind of pattern – robust vehicles of a certain size range that travel within a certain reasonable speed range. Computers in a network have conventions too, and we usually call these conventions 'protocols'.
There are many kinds of popular computer network today. The most conventional by far is the so-called 'Ethernet' network that physically connects computers together in homes, schools and offices. However, WiFi is becoming increasingly popular for connecting together devices so that cables aren't required at all.
Connecting to the Internet
When you connect to the Internet, you're using networking technology, but things are usually a lot muddier. There's an apt phrase, "Rome wasn't built in a day" because neither was the Internet. The only reason the Internet could spring up so quickly and cheaply for people was because another kind of network already existed throughout the world – the phone network!
The pre-existence of the phone network provided a medium for ordinary computers in ordinary people's homes to be connected onto the great high-tech military and research network that had been developed in years before. It just required some technological mastery in the form of 'modems'. Modems allow phone lines to be turned into a mini-network connection between a home and a special company (an 'ISP') that already is connected up to the Internet. It's like a bridge joining up the road networks on an island and the mainland – the road networks become one, due to a special kind of connection between them.
Fast Internet connections that are done via '(A)DSL' and 'Cable' are no different to phone line connections really – there's still a joining process of some kind going on behind the scenes. As Arthur C. Clarke once said, 'any sufficiently advanced technology is indistinguishable from magic'.
The Internet
The really amazing about the Internet isn't the technology. We've actually had big Internet-like computer networks before, and 'The Internet' existed long before normal people knew the term. The amazing thing is that such a massive computer network could exist without being built or governed in any kind of seriously organised way. The only organisation that really has a grip on the core computer network of the Internet is a US-government-backed non-profit company called 'ICANN', but nobody could claim they 'controlled' the Internet, as their mandate and activities are extremely limited.
The Internet is a testament both simultaneously due to the way technologists cooperated and by the way entrepreneurs took up the task, unmanaged, to use the conventions of the technologists to hook up regular people and businesses. The Internet didn't develop on the Microsoft Windows 'operating system' – Internet technology was built around much older technical operating systems; nevertheless, the technology could be applied to ordinary computers by simply building support for the necessary networking conventions on top of Windows. It was never planned, but good foundations and a lack of bottlenecks (such as controlling bodies) often lead to unforeseen great rises – like the telephone network before, or even the world-wide spread of human population and society.
What I have described so far is probably not the Internet as you or most would see it. It's unlikely you see the Internet as a democratic and uniform computer network, and to an extent, it isn't. The reason for this is that I have only explained the foundations of the system so far, and this foundation operates below the level you'd normally be aware of. On the lowest level you would be awar
The only reason your company exists is to solve problems for customers. If you do not do this well the customers go away and your company ceases to exist. I have often marveled at how huge corporations place minimum wage employees in their customer service department and then wonder why their sales have gone down. Customer service in not a department of your company. It is what your company does to keep and earn trust in the marketplace.Last week, I visited my local supermarket to pick up some groceries, and they made a ridiculous customer service mistake. I am a very courteous customer. However, when someone wastes my time I am very quick to take my business elsewhere.I recognize that supermarkets have microscopically small profit margins. However, the principle is the same in all customer service activities. Customers want what they want when they want it. Service me, the customer, or you will lose my business.I was in line at checkout, and there was only one cashier. The person in front of me was taking a huge amount of time with their purchase, because they were convinced that they were overcharged. There were at least ten of lined up at this one cashier.The manager of the store saw what was occurring and came over to supervise the situation. Instead of hopping on another cash register and handling the backlog of customers, he did nothing.I very nicely asked the manager, "while this situation in from me of me gets worked out, could you ring me up?""I don't have anyone else in the store to put there," the manager replied..I couldn't help but think: Why don't YOU do it?Apparently that thought of servicing the ten paying customers in line never ocurred to him.After twenty or so minutes , the problems were resolved, and I got out of there. I promised myself that I would not be returning to that store unless absolutely necessary. I don't mean to sound like a cranky customer but wasting twenty minutes of my time is not the only issue there. There were 9 other people in that line who also had time wasted for them. All because a Manager couldn't get out of the way of his own ego.The point of this story is that the manager had a really crazy idea about what his job function was. He probably thought that since he was a manager he didn't make change for customers and check out their groceries. This manager thought that since he was the boss somehow he was exempt from mundane labor.The reality is that CUSTOMERS are the boss. Your business exists to please and serve them. Customer Service is not a department of your organization. It is what your business and every person involved with your business strives to accomplish
Connecting to the Internet
When you connect to the Internet, you're using networking technology, but things are usually a lot muddier. There's an apt phrase, "Rome wasn't built in a day" because neither was the Internet. The only reason the Internet could spring up so quickly and cheaply for people was because another kind of network already existed throughout the world – the phone network!
The pre-existence of the phone network provided a medium for ordinary computers in ordinary people's homes to be connected onto the great high-tech military and research network that had been developed in years before. It just required some technological mastery in the form of 'modems'. Modems allow phone lines to be turned into a mini-network connection between a home and a special company (an 'ISP') that already is connected up to the Internet. It's like a bridge joining up the road networks on an island and the mainland – the road networks become one, due to a special kind of connection between them.
Fast Internet connections that are done via '(A)DSL' and 'Cable' are no different to phone line connections really – there's still a joining process of some kind going on behind the scenes. As Arthur C. Clarke once said, 'any sufficiently advanced technology is indistinguishable from magic'.
The Internet
The really amazing about the Internet isn't the technology. We've actually had big Internet-like computer networks before, and 'The Internet' existed long before normal people knew the term. The amazing thing is that such a massive computer network could exist without being built or governed in any kind of seriously organised way. The only organisation that really has a grip on the core computer network of the Internet is a US-government-backed non-profit company called 'ICANN', but nobody could claim they 'controlled' the Internet, as their mandate and activities are extremely limited.
The Internet is a testament both simultaneously due to the way technologists cooperated and by the way entrepreneurs took up the task, unmanaged, to use the conventions of the technologists to hook up regular people and businesses. The Internet didn't develop on the Microsoft Windows 'operating system' – Internet technology was built around much older technical operating systems; nevertheless, the technology could be applied to ordinary computers by simply building support for the necessary networking conventions on top of Windows. It was never planned, but good foundations and a lack of bottlenecks (such as controlling bodies) often lead to unforeseen great rises – like the telephone network before, or even the world-wide spread of human population and society.
What I have described so far is probably not the Internet as you or most would see it. It's unlikely you see the Internet as a democratic and uniform computer network, and to an extent, it isn't. The reason for this is that I have only explained the foundations of the system so far, and this foundation operates below the level you'd normally be aware of. On the lowest level you would be awar
You can use this step-by-step method to hire applicants who are likely to be “superstar” employees:- highly productive- low-turnoverImportant: Focus on hiring applicants you rate positively on all seven prediction methods.1st Prediction Method = Brief Initial Screening InterviewIf an applicant’s application looks suitable, then conduct BISI, a customized 15-30 minute over-phone or in-person interview. BISI quickly reveals if an applicant has biographical data similar to your company’s “superstar” employees.For example, at one company, we discovered “superstar” Sales Reps had many similarities before working for this company:* Work: (a) 1 or 2 previous sales jobs, (b) only 1 or 2 jobs before applying at the company, and (c) kept prior jobs 2 – 5 years* Education: (a) earned B.A. from state universities, (b) majored in business or liberal arts, (c) worked part-time throughout college, and (d) college jobs entailed a lot of people contact* Pay: Earned less than likely first year compensation at this company* Vocal Style: Exuded high energySo, this company’s BISI screened-in applicants with similar work, education, pay, and vocal style – and screened-out other applicants.2nd Prediction Method = Customized Pre-employment TestsIf the applicant did well on 1st Prediction Method – BISI, then you can have applicant take customized pre-employment tests. Use tests specifically designed to screen applicants and predict:A. Work Behavior – e.g., interpersonal skills, personality, and motivationsB. Mental Abilities – e.g., problem-solving, vocabulary, math, grammar, and small detail abilitiesImportantly, the test must use customized “benchmark scores” based on scores of your “superstar” employees. With customized “benchmark scores,” you quickly see if an applicant scored similar to your company’s “superstar” employees.3rd Prediction Method = In-Depth Interview Using Customized Interview Guide FormIf you decide the applicant did fine on 1st and 2nd Prediction Methods, then you may conduct an In-Depth Interview. Crucial: Create a customized Interview Guide document for each job, including (a) 6 – 9 key “make-or-brake” job talents, (b) questions to ask, (b) note-taking, and (c) ratings.Importantly, you must provide seminar training to teach managers how to use your customized Interview Guides to assess applicants. Without superb training, interviewers fail to hire the best.4th Prediction Method = Role-PlayIf the applicant did well on 3rd Prediction Method, then have applicant do Role-Play immediately after In-Depth Interview. The 15 – 30 minute role-play lets you see if the applicant has cri
Fast Internet connections that are done via '(A)DSL' and 'Cable' are no different to phone line connections really – there's still a joining process of some kind going on behind the scenes. As Arthur C. Clarke once said, 'any sufficiently advanced technology is indistinguishable from magic'.
The Internet
The really amazing about the Internet isn't the technology. We've actually had big Internet-like computer networks before, and 'The Internet' existed long before normal people knew the term. The amazing thing is that such a massive computer network could exist without being built or governed in any kind of seriously organised way. The only organisation that really has a grip on the core computer network of the Internet is a US-government-backed non-profit company called 'ICANN', but nobody could claim they 'controlled' the Internet, as their mandate and activities are extremely limited.
The Internet is a testament both simultaneously due to the way technologists cooperated and by the way entrepreneurs took up the task, unmanaged, to use the conventions of the technologists to hook up regular people and businesses. The Internet didn't develop on the Microsoft Windows 'operating system' – Internet technology was built around much older technical operating systems; nevertheless, the technology could be applied to ordinary computers by simply building support for the necessary networking conventions on top of Windows. It was never planned, but good foundations and a lack of bottlenecks (such as controlling bodies) often lead to unforeseen great rises – like the telephone network before, or even the world-wide spread of human population and society.
What I have described so far is probably not the Internet as you or most would see it. It's unlikely you see the Internet as a democratic and uniform computer network, and to an extent, it isn't. The reason for this is that I have only explained the foundations of the system so far, and this foundation operates below the level you'd normally be aware of. On the lowest level you would be awar
I've always had trouble fathoming those that own businesses in low growth industries. I'm not being pious, or looking down on anybody--this is just my own thought processes--but whoever got rich running a gas station, sandwich deli, low-priced hair salon, mini-mart, or any number of other such businesses? I'm not talking about the few that buy up multiples of such types of stores as an investment. That I get. But those that become content in an industry where they know it will never make them considerably more financially well off I don't get whatsoever. Almost any place I go I'm thinking about the financial prospects of such a business, thinking about overhead, potential gross income, profit margins and I start to wonder if this is a business I would or could ever spend my life doing.Don't get me wrong, I'm not a person driven by greed, or even primarily by "success"... I put God and family first, but I also don't shy away from wanting to be successful in the traditional (American) sense. Someone asked me my definition of success recently and I responded: Life, Health and Happiness. Life and health are easily determined, but happiness is pretty darn vague, and I deliberately answered that way. What makes me happy?On a professional level, my job (usually) makes me happy. I enjoy the struggle for success, which is, in my own mind, a destination that I will probably never fully achieve. But that's the way I like it, because no matter how successful I am, I'm content with where I am but also not so content that I don't continue the struggle to be more successful tomorrow than I am today. That's why I couldn't survive in a no- or low-growth industry. I have to see the potential of being greater tomorrow than where I currently am today. And to get there, I must always be growing not just my business but personally as well.The other day I read these three reasons why growth should matter:Gifting without growth produces ineffectiveness. You can be great--even the best--at something, but if you never try to improve yourself beyond that it won't be long before you find yourself surpassed by others. Think of any world record that was achieved. All past world records, with the exception of the current, have been beaten. The same with personal and business growth. As soon as you become complacent where you are someone will come a long who isn't and when they break the current records, or become better than you at what you do, they'll be the one that people turn to in stead of you.Growth prevents stagnation. Everybody goes through down periods, but if you are constantly striving for growth, those periods will come less often and disappear more quickly. Gr
What I have described so far is probably not the Internet as you or most would see it. It's unlikely you see the Internet as a democratic and uniform computer network, and to an extent, it isn't. The reason for this is that I have only explained the foundations of the system so far, and this foundation operates below the level you'd normally be aware of. On the lowest level you would be aware of, the Internet is actually more like a situation between a getter and a giver – there's something you want from the Internet, so you connect up and get it. Even when you send an e-mail, you're getting the service of e-mail delivery.
Being a computer network, the Internet consists of computers – however, not all computers on the Internet are created equal. Some computers are there to provide services, and some are there to consume those services. We call the providing computers 'servers' and the consuming computers 'clients'. At the theoretical level, the computers have equal status on the network, but servers are much better connected than clients and are generally put in place by companies providing some kind of commercial service. You don't pay to view a web site, but somebody pays for the server the website is located on – usually the owner of the web site pays a 'web host' (a commercial company who owns the server).
Making contact
I've established how the Internet is a computer network: now I will explain how two computers that could be on other sides of the world can send messages to each other.
Imagine you were writing a letter and needed to send it to someone. If you just wrote a name on the front, it would never arrive, unless perhaps you lived in a small village. A name is rarely specific enough. Therefore, as we all know, we use addresses to contact someone, often using: the name, the house number, the road name, the town name, the county name, and sometimes, the country name. This allows sending of messages on another kind of network – the postal network. When you send a letter, typically it will be passed between postal sorting offices starting from the sorting office nearest to the origin, then up to increasingly large sorting offices until it's handled by a sorting office covering regions for both the origin and the destination, then down to increasingly small sorting offices until it's at the sorting office nearest the destination – and then it's delivered.
In our postal situation, there are two key factors at work – a form of addressing that 'homes in' on the destination location, and a form of message delivery that 'broadens out' then 'narrows in'. Computers are more organised, but they actually effectively do exactly the same thing.
Each computer on the Internet is given an address ('IP address'), and this 'homes in' on their location. The 'homing in' isn't done strictly geographically, rather in terms of the connection-relationship between the smaller computer networks within the Internet. For the real world, being a neighbour is geographical, but on a computer network, being a neighbour is having a direct network connection.
Like the postal network with its sorting offices, computer networks usually have connections to a few other computer networks. A computer network will send the message to a larger network (a network that is more likely to recognise at least some part of the address). This process of 'broadening out' continues until the message is being handled by a network that is 'over' the destination, and then the 'narrowing in' process will occur.
An example 'IP address' is '69.60.115.116'. They are just series of digit groups where the digit groups towards the right are increasingly local. Each digit group is a number between 0 and 255. This is just an approximation, but you could think of this address meaning:
- A computer 116
- in a small neighbourhood 115
- in a larger neighbourhood 60
- controlled by an ISP 69
- (on the Internet)
Getting the message across
Now that we are able to deliver messages the hard part is over. All we need to do is to put stuff in our messages in a certain way such that it makes sense at the other end.
Letters we send in the real world always have s
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