Mobile Banking DBS

Now it is difficult to say when he first appeared, the term "cell bank". Old timers may recall mobile industry (mobile), bank offices on wheels, however, most users of banking services arise association or a mobile phone, or mobile device – palm. Why is the exclusive mobile phone SMS-banking is a kind of telephone banking are also difficult to explain. But, by and large account, you can talk about the two convergent branches of evolution, which came from the phone, on the one hand, and personal computers, on the other. For phones were set up such channels of DBS as a contact center and interactive voice response, for personal computers in the early modem "fat" and then "thin" web-client. The era of GSM has produced a new DBS channels – stitched in the SIM-card application SIM Toolkit, SMS-alert, and then Two-way SMS-channel DBS (later – USSD), in fact, stillborn WAP-channel and channel mobile Java-based applications are not widespread in the force of mass non-compliance with standards for J2ME and MIDP. In parallel, developing small personal digital devices (PDA – Personal Digital Assistant / PocketPC – the so-called "PDAs" or "PDAs") are actually the same fate as personal computers, giving the world as a thin client of the bank for mobile browsers and application on the mobile platform. With the advent of the smartphone market situation has changed little since the device has combined the possibility of handheld and mobile phone, but the same revolution in the channels of DBS has not happened.

Court Tennis

The secret area one of the most powerful terms used in world sport for decades is the mental state known as ‘the zone’. This is the mental state that produces super-human performance, and winning streaks. Any tennis player who is in this state of mind is virtually invincible in their respective level of competence. A player who is in the area experienced an unusual feeling of power without effort, thus allowing them to feel as if your racket and his body are driven by an engine with turbocharger, and found his body gliding through the Court and hitting with impressive power and minimum effort. How strange this is this powerful performance feel as if it is being controlled by the player of truth! In fact, often say you they feel as if they were not responsible for some of the incredible in all scenes as if your body is being guided and directed by a force more powerful (and this is exactly what is happening). Almost all players at some point in his career have experienced this feeling, to some extent, and then wondering how did that? Even at the initial stage in which players seek to learn tennis and they are still taking classes in tennis, with a teacher or a school of tennis, you can see shots or streaks that appear to exceed the ability of these beginners.

This is the mystery that surrounds the area why it seems so fleetingly, and then disappear as quickly as it arrived? And above all why not we can access it all the time? What is that force that guides our body when he hit an incredible shot? The answer is that the sleeping giant that resides within all humans the mind and the subconscious, the source of all body movement that also saves all the memories of the past and tennis experience. When a player entering this state of the zone, your conscious mind becomes silent and this allows that his subconscious reach a system to run its automatically, similar to a computer. Thus bumps, movements and reactions that could never be achieved way can be aware. So, how enter the zone? Each must find the method that best suits your needs, but there are simple techniques that may cause a concentration and a State that takes you to enters the area automatically. The area is actually a tricky concept but is of utmost importance to learn how to get into it, because this guaranteed that we will have our best game if we are in this area. To clarify a little more let me give you an example.

Have you ever noticed when someone makes an extremely fast serve and his opponent simply reacts automatically and makes a phenomenal return? And on the other hand you see the same situation, but this time the throw-off is slow. Here the opponent has more time, what causes that he has the opportunity of thinking and doubting and eventually increases the possibility of making a bad selection of shots. There are many techniques to enter the zone and maximize your concentration.

Economic Crisis

When the economic crisis is not systemic (which is peculiar to a particular sector of the economy), and global, as a rule the vast majority of companies feel the economic deterioration. Various industry economy experienced in different ways, this crisis for some deterioration is not so significant, for others – the new realities of the enterprise put to the brink of bankruptcy. As investigations of the company Vospriyatie, with the iv quarter of 2008 iii quarter 2009 small and medium-sized companies who have already booked online advertising tend to "look" better than others. It should be noted that only qualitative promotion of a site with low price offers such an advantage. However, even within the same economic activities, different companies may experience a crisis in different ways.

This is due to the position of the company at the beginning of the crisis, crisis management, general effectiveness of the company as a whole, the quality of the products and services, etc In any case – the crisis is reducing business income, and consequently forced spending cuts. Many business leaders drastically reduce advertising costs, and often completely reject it. Such steps koordinalno unreasonable and economically inefficient, because the old clients in crisis "melt", and new recruit almost nowhere, because in search of clients in this case do not spend a dime. In crisis conditions to the effectiveness of advertising should be treated more carefully than in the years of growth, as return on advertising in the crisis is much lower. C iv quarter 2008 year trend, when a number of companies abandoning the media advertising (TV, print media, etc.), are turning to online advertising, including for promotion of sites in search engines.

Detection And Elimination Of Forest Fires

In addition, the order of the state forest enterprises are obliged to fully control raise demands on companies, organizations, institutions and other businesses and individuals working or having different objects in forests, on the detection and elimination of its forces and means of fires occurring in their places of work or finding objects. In this work all these capabilities must be built so that every fire in area of forest fund could be detected at the beginning of his appearance, so that the message of the fire was immediately transmitted to the item, arrange fire and that the necessary forces and means of extinguishing timely return of the fire and ensured their elimination as soon as possible. Responsibility for the preparation and organization of all forces and means of detecting and extinguishing fires and for the timely liquidation of fires territories of forest enterprises responsible for forest owners and managers. Forest management authority in the Russian Federation will organize supervision of the owners of forest resources and forest managers to implement measures to ensure timely detection and fire suppression, and provide them with necessary assistance, bearing in mind that the forest fire protection is one of the most important state problems. In order to prevent forest fires, fight them, the relevant bodies of state power: every year organizes the development and implementation of enterprises, institutions and organizations entrusted with the safety and protection of forests and forest activities on fire prevention, fire fighting arrangement and preparation of the said enterprises, institutions and organizations to the fire season; annually claim before the fire season, the operational plans for combating forest fires; establish the procedure for public involvement, employees of collective farms, state farms and other agricultural groups, workers and employees, as well as fire-fighting equipment, vehicles and other assets of enterprises, institutions and organizations for fighting forest fires, provide persons involved in this work means transportation, food and medical care; provide parameters during periods of high fire danger in the forests of the creation of the involved forces and means forest fire units and ensure their readiness for immediate departure to If you have a forest fire, assist in the construction and maintenance of fire-fighting purposes, airfields and landing strips for planes and helicopters used in carrying out works on aviation protection of forests in providing fuel and lubricants forest fire units, and allocation to the fire season at the disposal of government forest management as duty transport required number of vehicles, boats and other vehicles with a stock of fuel; organize an extensive fire propaganda, regular coverage in print, on radio and tv matters savings forests, compliance with fire safety in forests; ensure coordination of all activities to combat forest fires, creating, where necessary, special committees for this goal.


My wife is a LAPTOP I thought writing this note a little refreshing, outside the context of which they write within the profile of our site, since I wish to send a message to all those who we devote hours and hours to work on the Internet and that also serve as an incentive for entrepreneurs who are just starting. This title is funny but at the same time real. It is part of some discrete claims of my wife…looks like you’re married to a computer I wear a dress from Compaq or HP that I listen to or am going to make food a succulent dish with ingredients of Google. It is funny but true. All seek understanding in our couples and other family, but sometimes is too much time spent. It is to say to them is too much for us that we know that this is the only way to succeed is little the time, at least in the beginning. I should clarify that this is a little fictional because I have understanding of my wife and it is also part of the project…But what that desire in essence, is to make them reflect on the issue and believe not that you as say them many with only 1 hour a day going to achieve success. Every day I’m going to bed with many successful things, but other many pending for the day after.

If you work seriously can not go to sleep without reviewing the statistics of the day in Google Analytics for example or in Alexa. Do then few hours spend to your business on the Internet?… 3.4 hours per week? 3 hours per day?And the more slaughtered or ambitious 10 or 12 hours a day? The reality is that there is not an exact standard of the time that you dedicate to work on the network when you’re starting and then when you’ve achieved some positioning in the Mercado.Por Furthermore, the number of hours but the quality isn’t. It’s what you’re determined to do in these 3 4 or 10 hours of work. But there is no doubt that if start you business and only provide you with little time and even not dominate all the knowledge to expand your venture. I do not think that You can achieve the expected results.Remember that largely for not being absolute, everything depends on you and passion that you are able to provide to the project you are carrying out. If I wonder that I’ve learned in this time on marketing and business strategies by Internet, I would place when I did not know absolutely nothing and would be the path. I’m sure it’s awesome because every day and every minute you learn something new.

It may be that what they learned details or it might be something roughly to serve you for your work, but everything absolutely everything has to develop your work. Remember that you are the architect of your destiny…Do I ask you then want to get married with a computer? want to make commitment with a laptop? Or on the contrary want to have a casual relationship with her as when we are unmarried and presents us with some friend!It is your choice!. The clock does not stop. The time you spend to your business in quantity and quality, at the same time has fabulously well and your sacrifice sooner or later will be rewarded.

IBM Type

Networks more modern they have two channels and transmitted in different directions by each of them. We can currently find this environment in networks Token Ring of IBM. This type of network allows you to increase or decrease the number of computers without difficulty, but it increases the flow of information, the response speed of the network will be less. A failure in a station can leave locked network, but a failure in a communication channel will leave it locked in its entirety, being difficult to locate failure. This type of computer network star network topology is the oldest. All the workstations are connected directly to the server and all communications to be done necessarily through him.

This topology method enables you to add or remove machines easily. If a failure occurs in any of the stations, do not affect the general functioning of the network, but if the server fails, the entire network will come down. The cost and implementation of this type of computer network is expensive due to the large amount of wiring and the complexity of its structure. Star/bus topology in this topology are combined two network types mentioned above. A multiplexer for signal occupies the place of the central computer of the configuration in Star, while certain workstations connected to it, and others connected by bus with multiplexers. This type of network provides advantages in buildings that they have working groups separated by large distances. As you’ve seen, there are different types of networks to link computers, workstations, servers and other computer and network elements. Depending on the type of company or company, we can find a system or another.

Always Give Anyway

If you answer deceptively, unwilling to schedule, he tells you that he or she speaks to you or anything else that seems a not camuflajeado, not lend you material. On the other hand the digital material usually does not cost and it is beneficial to give one aimed at viral marketing, (but that’s another story). In Anyway, depends more on the leaflet that you, you don’t push, and much less pressure on the person. On the other hand, if interested, agenden to solve doubts, tomorrow or the day after, shows bring your partner to listen to the plan. However, that does not recommend you even to someone else that could start burning cartridges because there your prospects or friends to invite them correctly and professionally. And it would be better to prepare more for receive and dodging bullets. I give you an example:-Pepe, invite you to this alternative with a very interesting job where you don’t need to be a famous artist or a genius inventor, to generate residual income, but I understand that it may not be the moment, do you think so?. If you see that the prospectus breathing eased, it is that it was not as say you no.

Maybe reconsider this opportunity so you can say you perhaps be better later, thus leaving the door open to trying in the future. But if you see that the prospectus this willing to meet regularly and interested, agendalo to date closest you can within that week. Do not hesitate to ask for help from the other neworkers needed to do any activity.

Internal Organization

Generally you should act in these cases as coordinator or leader of this team. You are acting as the general manager of a virtual organization responsible for the development of this business opportunity. This is one of the moments in which you must put in execution of Coordinator and leader skills. You is customer’s representative within their organization, who defends the interests of the client. Therefore assume responsibility for the coordination of resources. Obviously this depends the structure of your company and the internal culture to cope with these processes. It is important that the company have clarity of how resources must be coordinated to support commercial activities. Anyway, whatever the structure and culture of the company, you are called to achieve that efforts should be coordinated to meet the commitments established with the customer.

Effective communication with the client.This is an issue of the utmost importance. Always allow established communication channels and always have a reason to communicate with the client. Silence is the most dangerous symptom in the development of a business opportunity. Best is that there is a permanent communication of both parties as a result of the development of the agreed work plan. If you run a commercial visit and there are no clear grounds for subsequent activities, wasted his time. A commercial relationship based on mutual benefit and acknowledgement by the client of the added value that your organization provides, must be based on sincere, fluid and frequent communication.

A potential customer who really owns interest in their solutions and their organization, will show through to sustain a fluid and permanent communication with you. The use of technology is vital at this point. Use mechanisms such as email and respond swiftly to all queries that perform you your customer, validating that the information provided is true and correct. I’m from that they disagreed with the famous phrase that always tells the client is right.

City Taxi-Mobile

Mobile version of the taxi company "Mobile City". " Results and evaluation. Studio innovative solutions for the mobile Internet, "Mobile Kitchen" and the taxi company "Mobile City summed subtotal of the project to create and promote your mobile site. In late 2009, specifically for the taxi, "Mobile City" project was developed, which in addition to the development of the mobile site, included the concept of promotion of this product with a description of all possible channels of communication with potential and existing clients, "Mobile City". This project included the following steps: Develop a full-featured mobile site taxi company based management platform, mobile sites WapUltima company "Mobile Kitchen Integration with existing mobile website services offered to clients of the company "City-Mobil" at the moment start of the project (eg, SMS-support orders) inclusion of a mobile site to existing advertising media company, "Mobile City" (advertising on the website of the company, the inclusion of automatic redirection users to the mobile version) the use of additional features offered by the company's mobile site (java-application development, an incentive promotions using the mobile site) A pilot project launched by the year 02/24/2010, included the promotion of a mobile site to site, the launch campaign, offering customers a discount when you order discount taksia a mobile version of site in the city and taxi to the airport, as well as accommodation address in the mobile site inoformatsionnom sms-message. At the end of three months of the year 24.05.2010 was performed data analysis on the progress of the project on which summed up the intermediate results. Reported data about the project "Mobile Web taxi company" for the period from 02/24/2010 to 05/24/2010 was I. Visitor statistics – 5710 unique users visited the mobile version of site – 12,955 views had been committed – a monthly audience growth of nearly 20% II. Converting visitors into orders – was committed 957 orders through the mobile version of the site – conversion ratio of visitors to orders of more than 17% "Our company always strives to use in their work all the newest and innovation, offering customers a convenient and modern service, so the partnership with "Mobile Kitchen", which has created for us a mobile version of Internet site, is a reflection of the policies of the company. We hope that this project will develop in the future, offering more new services to our customers ", – said General Director of" City-Mobil. "

Economic Features

Economic features of bank lending to small Business hinder the development of this segment of the credit market: – a high proportion and the absolute value of operating (noninterest) expenses in the lending process that is associated with a small size and term of the loan – inability to provide sufficient return on operations due to small in absolute value the bank's interest income – limited or complete lack of legal (and economically feasible) mechanisms reduce credit risk in all phases of lending – the difficulty of refinancing and credit portfolio management, including a large number of various small loans – the limited supply of credit for Small business and the lack of a competitive market credit services. At the level of a particular region all of the above leads to the conservation of relatively high interest rates and the inability to obtain investment credits for a term exceeding 1 year; Small businesses are also not free from problems that make it difficult to obtain bank loans: – opaque and misleading statements, lack of incentives to adequately reflect financial performance reporting – small scale of business a small business, difficult to assess his condition – the poor quality of elaboration of business plans to attract loans – instability legislation, mainly in the area of taxation of small businesses – an insignificant amount of equity and the lack of liquid assets that small businesses could use as collateral for credit – no other security, limited loan programs secured by motor vehicles and real estate – inconsistency profitability of small business size in interest rates on loans to which are added a variety of banking charges – a complex and lengthy procedures for obtaining a bank loan, often exacerbated by inadequate qualifications of the borrower for the proper execution of all necessary documents.