Affordable Books for limited income earners, the business model

Perhaps by merely opening your televisions today, live streaming videos on the internet or listening to radio ads all you keep hearing is the same word "Affordable". Yes, I am experiencing the same with my little bit of tidbits smile and at the same time acknowledging my ego of simple saying, did I not tell them for the longest time.

10 years and counting has been a long time someone can use a branding word, find the time and traction to launch simultaneously, yet simply still be humble and proud about the social awareness it has created towards humanity. Yes, the truth depicts the realities of times, a recession similar to the great 1929 depression, a president of change, a tumbling financially challenges world but still have the obligation to tell the world to be compassionate, hope for the best, have faith and believe in God and the laws of attraction.

Like any e-commerce and web content traffic generated business, the simple business model of Affordable Books comes from the multiple revenue streams of online advertising. But wait, if you have not notice yet not all of you see is a paid advertising, some are my own choosing because of the social consciousness of the particular business or entrepreneur. On the other hand, for the benefits of the silicon valley valley wags, yes there are several applications with Alexandria that are now either on the market or the development stage. One good example would be our affordable books application now on mighty Face book or www.ning.com

Supported by the big three's, www.google.com, www.yahoo.com and www.microsoft.com (don't forget www.live.com) the affordable will rise and show how human compassion, and equality impacts the new world of technology.

I remember the pre-dot com age when my favorite search engines were still www.excite.com, www.exactseek.com and www.netscape.com Thanks to compatriots in Redmond and Seattle that the business model has finally been recognized. As it is said, at the end of the rainbow is a pot of gold which is now the global shift to online collaborative change.

Affordable Books for limited income earners, the business model

Perhaps by merely opening your televisions today, live streaming videos on the internet or listening radio ads all you keep hearing is the same word "Affordable". Yes, I am experiencing the same with my little bit of tidbits smile and at the same time acknowledging my ego of simple saying, did I not tell them for the longest time.

10 years and counting has been a long time someone can use a branding word, find the time and traction to launch simultaneously, yet simply still be humble and proud about the social awareness it has created towards humanity. Yes, the truth deficts the realities of times, a recession similar to the great 1929 depression, a president of change, a tumbling financially challenges world but still have the obligation to tell the world to be compassionate, hope for the best, have faith and believe in God and the laws of attraction.

Like any e-commerce and web content traffic generated business, the simple business model of Affordable Books comes from the multiple revenue streams of online advertising. But wait, if you have not notice yet not all of you see is a paid advertising, some are my own choosing because of the social consciousness of the particular business or entrepreneur. On the other hand, for the benefits of the silicon valley valleywags, yes there are several applications with Alexandria that are now either on the market or the development stage. One good example would be our affordablebooks application now on mighty Facebook or www.ning.com

Supported by the big three's, www.google.com, www.yahoo.com and www.microsoft.com (don't forget www.live.com) the affordable will rise and show how human compassion, and equality impacts the new world of technology.

I remember the pre-dotcom age when my favorite search engines were still www.excite.com, www.exactseek.com and www.netscape.com Thanks to compatriots in Redmond and Seattle that the business model has finally been recognized. As it is said, at the end of the rainbow is a pot of gold which is now the global shift to online collaborative change.

Is "risk" a friend or foe especially in investment during bullish markets

As the saying goes, if you want to nurture great returns you have to take great risk. which is in the investing world is viewed as the higher the risks, then the assumption is on market volatility.

For me, risks is an uncertainty for the fear of loss but it is there if we presume it as a loss then risk does not or will not exist, It is just like in the process of retail and the business model we use at Affordable Books. When buyers and competitors leverage on lower pricing to kill the smaller guy like us, the giants have the thinking that they have prevailed and created a more bigger opportunity for them. So a lot of the small independent sellers like us suffer and sometimes sadly think that the opportunity was not worth the effort all along.

So the capitalistic behaviors is immediately "refocus and assess" the business risks and potentials towards viability. However, creatively speaking from an investment perspective point of view, we sometimes think that leveraging on lessening risks by just going towards big name brands might have good market returns after all. Unfortunately, the same capitalistic tendencies were the driving factors of the financial collapse of the system today. Instead of nurturing small and emerging small businesses who of course will not pose profit on the balance sheet, investors would rather niche on the brand giants who have the clout and backing of the system.

There are so many intellectual ways of measuring risks. Whether you are the traditional investor who measures on rates of return, gauging on how well a business is run either big or small can be a trend indicator towards profitability and viability. This is especially true when the service is personalized. The business ethics and consistency are always the same no matter what circumstance, thus the business is able to react to the different market prevailing conditions,

There are a lot of mega names in the business community today who are in trouble simply because of inflation, rising financial and debt obligations compensated with un-wise spending patterns, For some taking too slow might be an impediment but we would rather grow slowly with full control and a well run business model towards achieving solid returns.

After all, a founder is the epitome of the business as he/she had gone through so many variable cycles for the business. The one great rule over the years that I have personally learned is that sometimes we have to continue to focus and don't be misled especially as the other indicators show that there is absolute viability and profitability in the long term. Which investor are you? The emotional or the intelligent or both might help you make the decision to pursue or not.

A Glimpse of the 1999 Financial Services Modernization Act

During the last recession of 1999, regulations were intiated which repealed the Banking Act of 1933. In this undertaking the banks were kept out of heavily being involved in securities and insurance.

If I remember correctly, this law was designed to restore confidence in the financial industry. The move was initiated to extend the opening of loans, investments to insurance. Of course some people debate abiout these initiatives until today including the respect to privacy act as consumer data were being exchanged. The needed ammendment was that consumers must then have been given the right to their personal privacy.

If you look at thrid world poverty stricken countries for example, people with bad credit resort to predatory lender practices such as money stores, finance stores and even payday loans. Today, the so called telecheck services cripples one's individual right to get a loan or even open a bank account because of such report made through computer inquiries aside from the normal consumer credit reporting agencies.

For all we know, much of this personal hardships by people are cause by enormous predaory practices of institutions creating the so called overdraft, non-sufficient fees and service charges. As a personal victim of the scheme I should know as this has given me a lot of struggles. What is suprising to note is that sometimes for a mere $1 you will be extremely penalized from $25 to $33. And of course if we understand the pyschological behavior of people, the said bad financial behavior as some gurus stated may have been caused by severe poverty stricken issues like an extreme medical condition, a job loss, a divorce or real life threatening issues. Of course, this is not to say that some people are really avoiding paying and or are habitual liars. But the question lies is how does a good financier, banker or lender really asssess one's consumer and credit behavior outside the numbers and boxes.

In such countries as mentioned above, there are even some form of discrimination if they are a minority or even based on the personal grooming when we meet potential lenders. Hardly, there are a few analytical thinking financiers who are really knowleadgeable on economics, pyschology or even sociology.

It is always about the numbers, the profits that will be generated or the magnificent potential of products that can be offerred to a potential client.

There are some insitutions who are supposed to be giving outright counseling on improving the financial picture of an individual or business. However, the reality is "time" will heal over and or is there someone that this person can co-sign for the loan.

So before we grill on trying to ask the question of where the bail-out money is sitting, is it being extended to people that need it, are the needed financing being disburse perhaps we should look into the standard accreditation processes. It is a mere basic saying that we can't solve problems if we don't find the root causes and then fix the problem from the roots.

Thus, we can start the forum of asking if we need another financial services modernization act pattern towards the people who are in the worst credit situation, jobless, unemployed and or with limited or no income.

Weekend 'stimulus parties' bring out Obama faithful across the nation - San Jose Mercury News

Link

Work to survive with conscience and integrity

One of the magnificence of capitalism is prosperity. Prosperity leads to growth, satisfaction and even happiness for some.

Unforunately due to the hard economic times sometimes we have to do what we have to do in an effort to struggle to survive.

Here is when ethics and morality towards honesty, sincerity and integrity comes into the picture. In politics, yes there are pros and cons and sometimes we have to be on both sides of the ship.

But each person's desire, destiny, fullfillment and self satisfaction is circumstancial. Just like business enterprises, entrepreneurs have to do what they have to in order to make the business work and succeed. Yet sometimes when we progress we forget the basics. This is especially true when an enterprise get's to hire and involve employees in the chain.

A lot of companies no matter how grandeur that have reach and successes sometimes gradually goes down the hill of triumph. The uncertainties of the hard economic times is a great example today. We have seen the mega bigwigs in the corporate world close their doors and lay-off people in an effort to save face to it's investors.

What happen to days like in the industrial age when real small businesses entrepreneurs go into the front end of the lines to save their business, their lives and their dreams. Then that was sustainability at it's best examples and leaderships.

During the dot.com recession of the 90's, enter the internet age of technology. There were a lot of opportunities created and major companies rose to power. Yet in this day and age not a lot are still run by the same undertaking, philosophy and trait of the original founder. Historically, companies headed by visionary philanthropist who had great visions to help real people are still in business today. This is because no matter what they never forget, they continue to give and understand the pyschology of human nature and behavior.

Yet, some companies that use scrupulous tactics of using other people for their own advancements, mergers and even acquisitions continue to prove themselves inspite of their might, power and glory. Some eventually lost the faith of the consumers, the employees, their clients and paved the way for their own self destruction.

Today as we face one of the greatest battles to struggle a depression, one can do all kinds of things and work but let us not forget about moral ethics. If you are in company with such morality yes you are able to put food on the table but are you happy when you know that other people's lives are at cost just because you are trying to follow what you are told to do by the people you work for.

We make our own lives, we create the environment around us which is why we have now a new administration, new leaders as we were the ones who created the change we know was desperately needed.

As long as we are doing things in the right, moral and ethical ways there is such a thing as destiny as we do create the actual picture and painting for our own individual lives.