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It is unfortunate that the term outsourcing is used for services within and outside the United States. There is a world of difference between them.
Outsourcing in the United States generates jobs and revenue for many local economies while providing direct oversight and communication between the outsourcing company and the company performing the work. This is why outsourcing in the US is also called Outsourcing Collaboration.
Contrast this to outsourcing overseas or offshoring.
"Seven years ago, MIT instructor and design for manufacture engineering expert David Meeker co-authored a report which concluded that manufacturers were overlooking many of the costs associated with outsourcing production to low-labor countries such as China." In a new, updated report Meeker states, "Aside from unexpected events, hidden costs exist because complete costs are rarely allocated to the product and reside instead in corporate overhead budgets," this latest report states. "This distorts fair comparison of domestic and offshore manufacturing, leaving labor rates as a common, central metric."
When we compare the costs between outsourcing collaboration and offshoring, we rarely measure it as apples to apples as there is much additional overhead that is required for offshoring. If costs were examined on a level playing field, much of the work that is outsourced overseas could be performed in this country. Furthermore, the communication and language barriers that present formidable hurdles for offshoring - which can result in project failure and significant overhead - are minor bumps if they exist at all, in outsourced collaboration projects in the United States.
Outsourcing in the United States helps produce meaningful jobs. The Mid-Hudson Workshop for the Disabled, for example, has been hiring disabled veterans and others with physical & medical handicaps for over 60 years.
"Since the early 1990s, many new customers have been attracted to the workshop by the quality of the work, dedication of the employees, and the cost savings. While IBM helped launch us in 1948 and continues providing substantial work, some of the newer clients include TARGET Stores, Naked Earth Distributors, J.L. Taylor Manufacturing, Pawling Corp., Laerdal Medical Corp., MPI Wax Injection Molding, Stamford Scientific International, St. Francis Hospital and the Poughkeepsie Chamber of Commerce."
The concept of outsourcing collaboration is very positive. It denotes the importance of developing and maintaining a strong relationship between the contracting company and the outsourced company that is doing the work. This two-way communications is very significant since it can affect the outcome of current and future outsourced work. It also allows a company to quickly assess the quality of the finished products and easily receive accurate production status and feedback information.
Collaboration is an important term that business consultants frequently use. It usually involves two parties working together to successfully complete a job. Outsourcing in the US is certainly a collaborative effort; one that is beneficial to all parties, can be perpetuating and most importantly, results in some well done work at a reasonable cost by a local workforce.
Private Mortgage Insurance (PMI) has long been touted as a benefit that allows borrowers to purchase property with less than a 20% down. But who is the real beneficiary of PMI? We are told that PMI insurance pays the lender if we default on our mortgage. While true, it doesn't tell the whole story. There's a lot more you should know.
This is all the lender must disclose:
As part of a "good faith" estimate of closing costs, the lender must provide an estimate of the PMI premium.
At closing and annually thereafter, the lender must notify the borrower of available cancellation options. In most cases, PMI may be cancelled when the mortgage is paid down to 80% of the lower of the selling price or the original appraised value. It will usually be cancelled automatically when the amortization of the loan takes the mortgage balance down to 78%.
What you don't know and they don't tell you:
The borrower is not a party to the mortgage insurance policy. The lender does not have to disclose either the name of the insurer or the amount of the insurance purchased. Yet the buyer typically is responsible for the premiums. Lenders can purchase protection for up to 40% or more of the mortgage amount without disclosing to the buyer any more than the premium amount. For example, you buy a 0,000 home with a 10% down payment of ,000, financing the balance with an 0,000 mortgage. The lender might protect 40%, or a total of ,000, with mortgage insurance with you paying the premium. Proceeds received by the lender from a PMI policy do not offset any deficiency judgment against you, the borrower. They can collect on the policy and still come after you. The PMI insurer can pay anyone along the transaction line for services rendered that either reduce the risk of the loan or reduce the insurance company's expenses. This implies that they can pay commissions to the lender. Understand that it comes out of your pocket. The monthly premium for most PMI is fixed. In other words, as the balance of the mortgage declines, presumably along with the risk to the lender, the borrower continues to pay the same premium based on the risk assessment at the time the loan was originated. While many lenders will consider allowing the buyer to cancel PMI when the value of the property rises so that the 80% loan to value ratio is achieved, they are under no obligation to do so. In my experience, the lender required that I pay for an appraisal done by an appraisal company selected by the them. Also, the borrower must usually provide proof there is no second mortgage on the property. The lender can purchase PMI, for which they pay the premiums, without notifying the borrower. Funds for these premiums may come indirectly from the borrower through points paid at closing or from higher interest rates.
PMI premiums are not insignificant. I looked at a loan statement for one of my recent investment properties. On a loan of approximately 0,000, the monthly principal and interest payment was ,124.93. The monthly PMI was 3.53, or 15% of the P&I. Yet I never knew how much insurance was purchased or from whom. Had I carried this property the 10 or so years requried to reduce the mortgage balance to 78% of the purchase price, I would have paid over ,000 in PMI premiums (nearly 10% of the original loan amount).
In the many recent articles on foreclosures, borrowers are urged to contact their lenders immediately when they run into financial trouble or feel they will be unable to keep their mortgage payments current. They stress that working out an arrangement with your lender is far better than going through foreclosure. Even if foreclosure is inevitable, industry sages recommend working with the lender to facilitate a "short sale," where the selling price is less than the mortgage amount, thus avoiding the stigma of a foreclosure.
Wake up!! If the lender is protected with a PMI policy, will they be more or less willing to work with the you? Why would they offer you extended or more favorable terms or allow a short sale when they need only to foreclose to collect their insurance? Isn't it ironic? You could pay thousands for coverage that helps pit your lender against your best interests. "A banker is someone who will loan you an umbrella, but who wants it back when it rains," said my father.
Consumer Price Index (CPI): It is the measure of inflation as experienced by urban consumers. CPI is more well-known among senior citizens as their Social Security benefit checks are adjusted to the CPI on January to keep pace with inflation. While most commercial real estate leases have fixed annual rent increases, e.g. 2%, some have annual rent increases based on the CPI. Therefore, knowing what CPI is and how to calculate it is an important factor in making a sound investment decision.
The US Department of Labor, Bureau of Labor Statistics collects data about costs of various things from 87 urban areas in the US. The data is published each month and available from the website stats.bls.gov. The CPI varies for different regions: Northeast urban, Midwest urban, South urban, West urban, US city average, as well as 14 major metro areas.
So, knowing which CPI stated in the lease will enable an investor to correctly calculate the rent increase. For example, the CPI for US city average was 190.9 in Oct 2004 and 199.2 in October 2005. This reflects a 4.3% increase for the above period or in another words, the inflation was 4.3% during that period. So if the rent from October 2004 to September 2005 was 00/month and the lease has CPI-based rent increase, then the new rent from October 2005 to September 2006 would be 43 a month or 4.3% higher. The CPI fluctuates from time to time. When there is no inflation, the CPI is zero and thus there is no rent increase. It could also be negative during a deflationary period which in turn will translate to rent reduction for the tenant.
Cost of Living Index (COLI): COLI is a number that indicates the relative cost of living in various cities in the US with 100 being the average. Employers often increase an employee's salary when they relocate the employee to a city with higher COLI. The COLI is weighted according to percent of income spent on groceries (12.49%), housing (29.84%), utilities (9.94%), transportation (10.73%), healthcare (4.07%) and others (32.93%). You could obtain the indexes for various cities from http://www.infoplease.com/business/economy/cost-living-index-us-cities.html.
The website http://www.bankrate.com has a COLI comparison calculator for over 300 US cities which provides the costs of 60 various items in each city. In 2007, the COLI for San Francisco was 169.5 while Dallas was only 91.5. This means you would have had to earn 85% (169.5 minus 91.5 then divide by 91.5) more in San Francisco to maintain the same lifestyle in Dallas. Most of the costs will be higher in San Francisco, e.g. housing is 285% higher (housing index is 278.3 in San Francisco and 72.3 in Dallas), some expenses may be lower, e.g. utilities are 11% cheaper in San Francisco compared to Dallas (utilities index is 88.1 in San Francisco and 98.9 in Dallas).
An investor often reviews demographic data of a city where the property is located and generally prefers to invest in areas that are more affluent. However, looking at data of the Average Household Income (AHI) alone does not give you the whole picture. Let's assume you are an investor in the San Francisco Bay Area and you want to see how the AHI in Plano (Dallas metro) is compared with San Francisco income. You will have a better perspective if you adjust the AHI in Plano to the Cost of Living Index and then compare with the AHI in the San Francisco Bay Area. For example if the AHI is 0K a year in Plano, it would be equivalent to 5,000 in San Francisco. With this adjusted income, you know that Plano is an upper middle class area.
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Moment of Inertia (MOI) governs how a bat feels and is a more meaningful measure of how well it will swing for you than the actual weight of the bat. Bat speed, not bat size nor weight, is the main factor in driving a ball. Bat speed is affected by a number of variables including bat length, bat weight and bat Moment of Inertia (MOI) which is often referred to as swing weight or balance point.
The distinction between light or heavy swing weight really boils down to the location of the balance point (or center-of-mass) and the moment-of-inertia. The closer the bat's balance point is to the handle, the easier it is to swing. The basic concept is that it is not the total overall weight of the bat which determines how fast you can swing a bat, but the way that weight is distributed along the length of the bat. For example, a bat with a balanced point closer to the handle will feel lighter and swing faster than an end loaded bat. This is true even through both bats are the exact same weight on a scale. The higher the rating the higher the MOI and the heavier the swing weight.
As a general rule, most players can hit a ball further with lighter (really low MOI) bats. It is only the biggest homerun hitters, who can hit the ball further with a heavier (really higher MOI) bats. Also, lighter bats provide more bat control during the swing phase.
Good players who are strong tend to prefer bats with a heavy swing weight because they can swing the bat fast enough and the extra inertia of the bat makes for a more effective collision with the ball. Players who are not as strong, or who cannot swing a heavy bat quickly, tend to opt for bats with a lighter swing weight so that they can increase their bat-swing speed and obtain faster batted balls that way.
Easton is one of the few manufacturers that promote the MOI of their bats and is the basis of their Hit Matrix bat concept. Here is the MOI ratings for their 2009 bats:
Stealth IMX - 90 MOI Rating Synergy IMX - 80 MOI Rating SV12 - 70 MOI Rating V12 - 60 MOI Rating
Obviously MOI is only one factor to consider with material, handle flex, mass and design (1 or 2 piece) being the others. But, it is often ignored or misunderstood. You should take the time and effort to decide what MOI is best for you and what the ratings are for the bats you're considering.
You can visit The Baseball Bat Reviews Blog for reviews of all the 2009 baseball bats.
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Files ending with the extension TMP are frequently found on computers. So what are these TMP files? Well, as the file extension might suggest, they are temporary files. These files are typically created by applications to store some form of temporary data, in a permanent form than RAM, on your hard disk. TMP files are commonly produced either when a program can't allocate enough memory for its tasks, or as part of inter-process communication.
Modern operating systems usually employ a virtual memory system, where if a program exceeds its allotted memory space usage, it can provide the application with part of the hard disk space as a substitute for memory. Programs which use large amounts of data, like video editing software, may need to create many TMP files. TMP files are usually deleted automatically by their parent application (the software, game, application) which created them. However there may be instances where these files aren't removed from your computer and end up taking unnecessary space. This happens particularly either because the parent application crashed during runtime, or because the program's developer forgot to add the necessary code to delete TMP files when finished using them. TMP files tend to accumulate over time and take up a lot of disk space.
All this said, I have to add an important note: not all TMP files are safe to remove. So how do I know when a TMP file can be removed or not? Usually it is safe to assume that if a TMP file is several weeks or months old, you can delete. You can check the meta data to know when the file was created or last modified, by right clicking on the file and choosing Properties. For example when you are using a word processor and have the auto-save option enabled, the application will most probably create some form of temporary file to store the content of the document you're working on in some pre-defined location in your hard disk.
Other temp files as they are usually called, are created by the Windows and its default applications. One well known default application which creates hoards of temporary files is the Internet browser. Whenever you access a webpage, buy from an online shopping cart, access your email, your browser is transparently saving and caching some data pertaining to the action you've taken for various reasons. One of the reasons is for optimizing your web experience and loading the web-pages you visit the most frequently faster.
Temp files which are created by default Windows applications are usually stored in a few pre-defined locations in your hard drive mainly C:windowstemp folder. For these reasons there may be temp files, unbeknown to you, scattered in various locations all over your computer. The easiest way to remove temporary files created by Windows and its applications is to use the Disk Cleanup service.
Pay per click advertisers often advocate split-testing. For those in the know, it's almost obvious. But for those who don't understand what it means, it's a little abstract. Here's an overview of what split-testing is all about.
So you have an ad that's up and running. To get to this point you had to find a product, do some keyword research, and write an ad that you think will not only generate clicks, but will also generate sales. That's great. If you're doing that, you're on the right track.
But you can do better. How? By split-testing.
When you have just one ad out there, it's difficult to tell what's working. That's where split-testing comes in. Split-testing simply means creating a very similar, but ever-so-slightly different ad. If your original ad mentions free shipping at the end of your last line, you might create a mirror ad (as your split test ad) that references the free shipping at the beginning of the last line of your ad.
Another example might be to write an ad without referencing the price of your product. Your second ad could include the price. From there you could track which ad receives a better response.
Great - that's split-testing. So what do you do from there? Run your ads for about 30 clicks each. That gives you enough of a sample to be able to tell what's working and what isn't. Drop the ad that's performing worse. While you keep running the better performing ad, create a new ad that builds on what you've just learned from your split test.
Repeat the entire process. In the long run, you will be continually improving your ads. This will lead to more clicks and more sales. Track everything that you do!
So that's it. Now you understand split-testing. Sure, there's more to learn, but now you are equipped with enough knowledge to get your split-testing program started. Good luck!
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When you only have the money to pay less than 20 percent down payment of your mortgage, chances are you will need a private mortgage insurance to help you secure a loan. What a private mortgage insurance or PMI does is it provides protection to the lender by guaranteeing payment in case of default from borrower. The borrower will in turn pay a monthly mortgage insurance fee. This way, a lending company will allow a lesser down payment than what they would normally accept.
Cost of PMI
The cost of PMI depends on how much down payment the borrower pays and for his credit file review. Also, the higher the amount of the down payment, the lower the insurance rate will ultimately be. For example, a 15 percent down payment is less than the cost of PMI on a 10 percent down payment. The PMI premium is then added to the monthly amortization.
Canceling PMI
Private mortgage insurance can be very hard on the pocket because the PMI companies can charge up to hundreds of dollars depending on your credit. It can catch you by surprise to see that your monthly amortization has jacked up by more than half by the time you are already signing the papers. In the event that you want to cancel your PMI, what are your options?
Even with the amount of equity on your home, the final decision of terminating the PMI is reserved by the lender and concerned investors. But in most cases, the lender allows cancellation of the PMI when 80 percent of the original property value has been paid for. Other lenders require that you pay PMI for one or two years before they concede to terminating it. If you wish to cancel your PMI, contact your lender. An appraisal will be conducted on your property to determine current value and you will have to pay for the cost of this appraisal. Another option for you is to refinance your home because that way, you can take a new mortgage on your home without PMI.
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