business, insurance

Managing the Chinese Challenge


China is the fastest growing market in the world today.  Therefore, it represents a huge opportunity for companies that are interested in selling their products in China.  At the same time, it has tremendous natural resources and work force, at some of the lowest costs in the world, providing the Chinese companies a competitive advantage, in China and globally.  However, it also allows foreign companies to reduce their production costs by transferring manufacturing or development facilities to China.

In contrast to the enormous prospect that exists in China, the entry of foreign companies to this market, and succeed in it, is quite difficult.  The cultural and business differences, coupled with the strong governmental regulations that still exist, make the penetration of foreign companies very difficult.  However, success in the Chinese market is not altogether impossible.  Numerous companies have succeeded greatly in the Chinese market and are enjoying the fruits of their labor.

As Chinese companies expand worldwide, they are becoming a substantial competitive force that must be dealt with.  Companies must find ways to overcome the Chinese cost advantage, either by reducing costs themselves, or by using other marketing methods.

In this document, we address two issues: penetrating the Chinese market and dealing with the Chinese competition worldwide.

Penetrating or Expanding Into China

Companies are interested in penetrating the Chinese market for two major reasons.  The first is to sell their products in this huge market, which is growing at the fastest pace in the world.  The second is to take advantage of the low production costs that exist in this market.  Expanding into China presents a challenge and must be done systematically.

Barriers to Entry

To succeed in China, companies must overcome the barriers to entry that are unique to the Chinese market.  The barriers are a result of the geographic conditions, the culture, and the distinctive economic structure.

Lack of Information

Unlike the western and developed markets, the Chinese market suffers from a noticeable lack of information and access to data.  The government does not publish extensive information about the macro conditions, and even when it does, it is not always reliable, there is a lack of industry associations to provide data on different industries, and research companies are not commonplace.  Private companies, those in western countries provide vast information about the products and services, through their web site and company collateral, do not provide such information in China.  In fact, companies are very hesitant to provide any information at all, they are very suspicious of any one who ask for an information, and even when eventually do provide information, it is usually very limited and in Chinese.


The diversity that exists in China is apparent in a number of different aspects.  Many different regions of the country vary in regards to the geography, demographics, natural resources, etc.

The coastal area in China, including Beijing, Shanghai, and Guangdong, is much more advanced and developed than the western provinces.  Most of the international companies operate in the …

business, money

All about Physician Search

Physician recruitment services With over twenty years in the physician recruitment business, one thing hasn’t changed. To do it well takes time, hard work, and determination. We speak with physicians all day, every day, to find out what kind of practice situation they are interested in. Then, we make a concerted effort to place them in a practice and community that will meet their long-term career goals. In the same way, we develop a thorough understanding of your practice opportunity so that we can accurately represent you and your organization. And since we are moving entire families in most cases, we are extremely diligent in making sure that the physicians know in advance about the resources and amenities available in your community. Outsourcing Physician Recruitment: Cost vs. Investment? Have you taken the time to consider what the cost to your hospital or medical practice is in lost billings and reduced service when you don’t have a physician in place when you need one? Using a search firm can make good business sense. Why use a search firm? A firm that specializes in permanent placement of physicians is in contact with and is interviewing physicians every day about their practice preferences and life style choices. An experienced search consultant can screen potential candidates and refer to you only those who are interested and qualified for further consideration. A search firm can pre-qualify candidates before the on-site visit takes place— saving you time and money by not having to deal with under qualified or inappropriate candidates. An experienced search consultant will insure that a physician to whom you have offered a position won’t string you along or “pull-out” at the last minute, leaving you without options. A physician search firm will help you manage the recruitment process from beginning to end and assist you in negotiating a final offer with the physician of your choice. Qualities of a great search firm: – A good physician search firm would allocate an experienced, knowledgeable search consultant or one of the principals of the company. – Immediate access to an extensive proprietary physician candidate database of physicians in all specialties who are actively looking or who would move for the “right” opportunity. – Endorsement by the National Association of Physician Recruiters (NAPR), which sets the standards and ethical practices for the industry. – A proven track record of success spanning over twenty years. <A rel=”nofollow” onclick=”javascript:ga(‘send’, ‘pageview’, ‘/outgoing/article_exit_link/1447621’);” href=>MDR Associates</a> are leaders in physician recruitment. They helped establish the National Association of Physician Recruiters.

Physician recruitment services

With over twenty years in the physician recruitment business, one thing hasn’t changed. To do it well takes time, hard work, and determination. We speak with physicians all day, every day, to find out what kind of practice situation they are interested in. Then, we make a concerted effort to place them in a practice and community that will meet their long-term career goals.

In the same way, we develop a thorough understanding of your practice opportunity so …


Get a Merchant Cash Advance Regardless of Credit

Are you considering to apply for a merchant cash advance (MCA) but you’re afraid of being declined because of your bad credit? Though traditional banks and financial institutions aren’t willing to work with merchant having bad credit, reputable alternative online lenders are ready to approve bad credit merchants for an MCA.

Bad Credit

What is bad credit? Bad credithas to do with a past failure to keep up with your credit agreements and the inability to get approved for new credit. This implies you have failed to pay your past credit obligations on time, or maybe you didn’t pay them at all.

Companies called credit bureaus, which are also known as credit reporting agencies, collect your credit account history and compile it into a credit report. In case you have lots of negative information, late payments, or loan default on your credit report, you’ll be tabbed as high risk.

The Fair Isaac Corporation (FICO) calculates credit scores: these scores are the most popular ones. FICO uses the information from the 3 credit bureaus, meaning Experian, TransUnion, and Equifax, and weighs it in strategic ways to calculate the score.

FICO scores range from 300 to 850. Traditionally, borrowers who havescores at or below 579 are classified as having bad credit. According to Experian, 61% of borrowers with scores in this range are likely to fail to pay their loans or become seriously delinquent on their loans in the future.

Getting a Merchant Cash Advance with Bad Credit

The credit score of nearly 1/3 of Americans is below 601, according to credit bureau Experian.Experian estimates that 30% of Americans have poor or bad credit, lots of people have no credit at all, which can create similar problems as having low scores.

Usually, it’s too difficult to get business funding from a traditional lender if you’ve got bad credit. Thankfully, there are experienced and respectable business funding providers that can help you get a merchant cash advance bad credit without any challenges.

A merchant cash advance is the perfect business loan alternative when it comes to getting business funding with bad credit. There are no application fees, no obligations, no personal collateral, and no late-payment fees bearing down on you.

Look for alternative online lenders that offer creativity and flexibility, and consider the impact of bad credit, but listen to each merchant’s story. Turn to a merchant cash advance provider that believes in small business owners and understands the impact of bad credit. The true professional in the field won’t penalize businesses for going through a rough financial patch and will do its best to help them overcome the hardships.

Author Bio:Business Funding expert, Nathan Hale, founded First American Merchant with his eyes set on helping the backbone of our country, small business owners. His passions include writing/producing music, and travel. First American Merchant is America’s Best merchant cash advance bad creditcompany, serving both traditional and high-risk Businesses.

business, money

Life in the New World Order – Soul Mates or Cell Mates?

“The drive of the Rockefellers and their allies is to create a one-world government …. all under their control…. Do I mean conspiracy? Yes I do. I am convinced there is such a plot, international in scope, generations old in planning, and incredibly evil in intent.” – Congressman Larry P. McDonald, 1976

“Pay no attention to that man behind the curtain!”

Our lives are being directed according to a business plan. The agenda has been laid out over decades and centuries, we are just led to believe it’s happening in real time. There are some very significant dates coming up within the next few short years. Hard to imagine that we are smack dab in the middle of an end-game scenario, with plans coming to fruition that have been laid out and documented since at least the 1920’s and 30’s. Even more incredible, you can literally go back hundreds of years to find out it’s the same basic cast of characters through elite bloodlines responsible for secret societies and shadow governments. Members of this group are said to include such prominent families as the Rothschilds, Rockefellers, Morgans, Duponts, as well as presidents, prime ministers and European monarchs.

Using their influence through international organizations such as the World Bank, the IMF, the CFR, the United Nations and NATO, the objective of the internationalists is nothing less than the subjugation of everyone on the planet to a one world government. How long has all this been going on? Without stretching the limits of your indulgence regarding quotations (I’ll do that later), consider these, which, if you disregard the names and dates, could easily have been uttered this morning:

“The world is governed by very different personages from what is imagined by those who are not behind the scenes.” – Prime Minister Benjamin Disraeli of England 1844

“From the days of Sparticus, Wieskhopf, Karl Marx, Trotsky, Rosa Luxemberg, and Emma Goldman, this world conspiracy has been steadily growing. This conspiracy played a definite recognizable role in the tragedy of the French revolution. It has been the mainspring of every subversive movement during the 19th century. And now at last this band of extraordinary personalities from the underworld of the great cities of Europe and America have gripped the Russian people by the hair of their head and have become the undisputed masters of that enormous empire.”- Winston Churchill London Press l922

” If the people only understood the rank injustice of our money and banking system, there would be a revolution before morning.” – President Andrew Jackson 1829-1837

“The real menace of our republic is this invisible government which like a giant octopus sprawls its slimy length over city, state and nation. Like the octopus of real life, it operates under cover of a self created screen….At the head of this octopus are the Rockefeller Standard Oil interests and a small group of powerful banking houses generally referred to as international bankers. The little coterie of powerful international bankers virtually run the United …

business, finance, insurance, personal

10 Richest Canadian Billionaires – Find Out How They Got So Rich

Canadian Billionaires – Who are the Richest People in Canada?

Almost all annual listings of the world’s richest people mention the same names year after year. On the top of these lists you will find Bill Gates and Warren Buffet. Although the lists are generally accurate, you will often observe an American-centric pattern, wherein entrepreneurial skills and wealth of the country’s northern neighbor are often overlooked. Canada has its share of top richest people and even if recession has affected the Billionaire Balance Sheets of 2008 to 2009, the top richest people in the world have $2 trillion in asset valuation. Forbes, the trusted magazine all around the globe when it comes to entrepreneurial stories and news, came up with the list of 10 richest Canadians for 2009. The list includes a brief background on how these top 10 richest Canadians became very wealthy and successful. All figures below are in US dollars, unless otherwise stated.

1. David Thomson and family – media conglomerate – $13 billion

David Thomson is the reputed grandson of Roy Thomson who is the founder of the Thomson Corporation. The company started out as a book publishing enterprise. Today, it continues to be one of the premier textbook providers for higher education in the world. The company grew even more as it got involved in information technology and electronic media. It dominates the healthcare, science, financial services, and the law sectors. It acquired Reuters News last 2007 and is currently known as the Thomson Reuters.

2. Galen Weston and family – retail – $5 billion

This family owns a couple of giant retail establishments in the UK and Canada, which include Loblaws, Selfridges, and the Holt Renfrew. Galen Weston is the descendant of George Weston, who founded the George Weston Bakeries Ltd. as a food business. Weston’s Loblaws is the largest retailer in Canada, with net sales amounting to more than $30 billion Canadian dollars in 2008.

3. James, Arthur, and Jack Irving – oil and other natural resources – $3.9 billion

The Irving brothers are the sons of the Canadian oil king billionaire K.C. Irving, who passed away in 1992. The three brothers took over the family’s natural resource holdings and divided these based on their personal responsibilities and expertise. Arthur Irving manages the Irving Oil and its various retail sites in Canada, plus transportation and refineries. Jack Irving, on the other hand, handles the engineering, steel fabricating, and construction entities of the company. James Irving is the one handling the parent company, which focuses on forestry, shipbuilding, and other types of transportation.

4. Paul Desmarais, Sr. – transportation and finance – $2.6 billion

Paul started out as the manager of their family business, the Desmarais’s bus service. He began to acquire other lines and created a holding enterprise that eventually branched out to other fields such as life insurance and publishing. He always made sure to personally oversee the financial aspect of his businesses. As of today, Paul’s Power Corporation of Canada …

business, money

The Whole Nine Yards Wedding Planners – Part 1

Professional Wedding Planning – If planning your wedding has you feeling overwhelmed and/or confused, The Whole Nine Yards Wedding Planners can help you for a Key West Destination Wedding.

The Whole Nine Yards primary mission is designed to make every part of planning your Key West wedding faster, easier, and most of all less stressful – all the way from planning your budget to leaving on your honeymoon.

With so many complicated details to manage, you need something that does more than just store information. You need someone to help you stay in control, so that your Key West wedding turns out the way you imagine it, within your budget, and without a lot of stress in the process.

With The Whole Nine Yards Wedding Planners, you will see just how easy your Key West wedding planning can be!

INVITATIONSGet the numbers you need beyond the question of how many people you are sending invitations to. What you really want to know is how many people are going to show up.You will want to know how many of Mahi-Mahi vs. Stuffed Chicken you are going to need to pay for.With our planning services, we give you the numbers you really want.

YOUR WEDDING CHECKLIST We give you a wedding check list that is specifically customized for you.We have the most thorough database of tasks available (over 700 tasks). But what good is a huge list of task on a wedding check list if they do not apply to your situation?

Instead of burying you in useless work, we will build a customized wedding check list for you, based on your religious preferences (if any) and the specific events you are planning.

We can even scale the wedding check list of tasks to fit your time frame, whether that is 12 months or 8 weeks.

WEDDING AND RECEPTION SEATING Seating that is not musical chairs – Our seating organizer shows you your tables – rectangular or round, with the right placement of chairs. It lets you place your guests in the chairs you would like them to have.

A good wedding planner can even generate your place cards and table cards for your seating, and creating text that is formally perfect.

WEDDING ETIQUETTE We have already done the homework on the etiquette rules for a wedding. When it comes to invitation envelopes, most people want to follow the rules of etiquette, but who can figure them out?

We can do this for you, whether you are inviting Judges and Ambassadors or just plain “Mr and Mrs.” (Or the subtle variations of “Mrs.” you might be surprised to find out about!

YOUR ELECTRONIC ADDRESS BOOK We can read your address book too if you have and address book (Eudora, Palm Desktop, Microsoft Outlook, or Outlook Express) or a Microsoft Excel spreadsheet. We can read these directly into our software as long as you supply it on disk or via an E-mail attachment.Even if your address book uses abbreviations, we can put …

business, money

Counting the Cost: Keeping the Sabbath Holy

The Messiah said, “The kingdom of heaven is like a merchant seeking beautiful pearls, who, when he had found one pearl of great price, went and sold all that he had and bought it.”   Mathew 13:44, 45

altLike a pearl of great price, following truth will cost a person everything.

This short, often over-looked parable was specifically given for those living at the very end of time.  It illustrates the conflict that all will face.  Each person in his or her own way is a merchantman looking for truth; each truth is a jewel.  Much that is untrue must be cast aside; worthless counterfeits must be recognized for what they are.  Sometimes it takes a lifetime of looking, but anyone truly devoted to finding the most precious, very costly Pearl of Truth will be led to it and understand it. 

The problem is, it costs a very high price.  The final test over observing the true Sabbath is the judgment of the living.  Each person passes judgment upon himself.  This is the necessary cleansing of the soul-sanctuary that must take place before the Saviour returns.  Yahushua said the merchantman had to sell all that he had in order to obtain the pearl of great price.  It will require all who would be saved of the final generation to surrender all in order to pass the judgment of the living.

Consider what surrendering “all” might have entailed in Bible times.  Suppose this merchantman quickly ran to his home and told his wife to give him her dowry money and all her jewelry, then take the children with only the clothes they were wearing and go to her father’s house for awhile because he was going to sell their home and lands, their donkey and cow, their household furnishings and food, their clothes, and her dowry.

Do you think she said, “Of course, dear.  Here you are, we’ll see you when you come for us”?  More likely she cried, shouted, pleaded, and then threatened: “If I have to go to my father’s house with nothing, not even my dowry, don’t bother coming for us.  I never want to see you again!”

The merchantman was faced with the choice: lose the costly pearl forever or give up all that he had.

In a special way that costly pearl of great price is the truth about  the ancient  lunar Sabbath.  Worship on a false day is false worship.  Only those who are willing to give up their all in order to worship the Creator on His true Sabbath will receive His seal in their foreheads.  Only those who surrender everything will be free from the mark of the Beast that is Satan worship.  Only those who love their Redeemer enough to lose all will gain all, including eternal life.  Only those who have already been looking at the many jewels of truth contained in the Bible, will be able to recognize the extremely high value of the pearl of true Sabbath worship.

“The …

business, money, personal

The Multimillionaire Mindset Vs The "normal Mind"

A man observes evergreens growing along the roadside and thinks that they look pretty, covered with snow. Another man sees the same trees and thinks, “These trees would look good in people’s living rooms at Christmas. I wonder what they would pay for them?”

The first man has an ordinary mind. The second, the mind of a natural-born moneymaker.

In The Prime Movers, Edwin A. Locke provides some interesting insights into the way moneymakers think:

He argues that an active, inquisitive mind is a hallmark of the successful entrepreneur. The most successful entrepreneurs in history, he says, had this sort of mind.

    * Thomas Edison: He was a “virtual thinking machine. Almost until the day he died, his mind poured forth a torrent of ideas, and he might track as many as 60 experiments at a time in his laboratory.”

    * Steve Jobs: He bombarded people with his ideas – his investors, his board of directors, his customers, his subordinates, and his CEO.

    * Henry Ford: “He threw himself into every detail, insisting on getting small things absolutely right… But he never lost sight of the ultimate, overall objection. He had a vision of what his new car (the Model T) should look like. From all the improvisation, hard thought, and hard work came a machine that was at once the simplest and the most sophisticated automobile built to date anywhere in the world.”

This is the first of several essays I’ll be writing on this point: how to think like a multimillionaire (taken from the concepts I’ve learned from 2 multimillioinares that are my personal mentors).

And here’s the goal: to help you discover exactly how they do what they do by figuring out how they think. If you study this and subsequent essays seriously – and implement the suggestions I’ll be making – you may be able to “upgrade” your brain to one that will allow you to have the kind of life they enjoy.

To get started, here are some observations I’ve made from studying my two multimillionaire mentors and from reading about great wealth builders like Jobs and Edison and Ford.

1. A “normal” person is concerned with protecting his ego. When dealing with a problem he doesn’t really understand, he pretends he understands the contributing factors and doesn’t try to find out what anyone else thinks. A person with a multimillionaire mind asks questions incessantly.  He has no ego when it comes to learning. He knows that knowledge is power.

2. A “normal” person has a consumer mentality. He looks at a hot new product and thinks about how he would like to own one. A person with a multimillionaire mind has an entrepreneurial men-tality. He looks at it and thinks, “How can I produce this or something similar in my own industry?”

3. A “normal” person is wish-focused. He daydreams about making gobs of money. A person with a multimillionaire mind is reality-based. He is always analyzing his own success and the success of …

business, money

State Refund Calculator

A Tax Return Calculator can tell you exactly how much you will have to pay in dividends taxes once you end up selling some stock.  The stock that you end up selling is something that can end up being extremely valuable in the long run, but from time to time a person has to sell stock in order to turn a profit.  You can use an Online Tax Calculator in order to make sure those dividends are something that you do not end up paying too much tax on.

The process of filing a Tax Return is something that certainly should be taken seriously.  You want to less your chances of being audited and this is why you would consider hiring a CPA.  The Certified Public Accountant is going to be able to find you a fair amount of deductions and also help you deal with the Child Tax Credit issue.

You want to be able to use a State Refund Calculator in order to figure out exactly how much money you may get back from your time in the labor force fifty two weeks out of the year.  You can understand the need to focus on things like estate planning when it comes to your tax return if you happen to make a lot of money on a yearly basis.

If you end up properly filing your U.S. Tax Return then you would be able to deduct your union dues from your federal taxes if you happen to be a member of a union.  This may or may not impact things as you happen to look at an Online Refund Calculator, but the possible deduction could be helpful.  A Free Tax Return Calculator is something that the people at Rama Tax Services can indeed find for you.  A Tax Refund Calculator can be a large part of the tax return software that you want to use.

A Tax Return Calculator is something that you may need whether you happen to work in the private or public sectors.  The tax return calculator is going to be important when you own your own gardening business and happen to spend a lot of money on pesticides or whether you are a bartender who barely gets to deduct any expenses from your taxes.

Many people do not even know that you can deduct your property taxes from your federal taxes when you happen to first buy a home.  A Schedule F is what you use to report farm income on a U.S. Tax Return.  If you happen to sell a number of bushels of corn in a month, this needs to be written down on the Schedule F.

People who end up calculating their tax return correctly with instructions on how to deal with a Schedule F are probably quite happy because this could mean that they get a good tax refund, this is without even worrying about what a State Refund Calculator might say.

Did you know that thousands of


Luxuary Yacht Charter

The hectic schedule of day-to-day business leaves each and every soul exhausted, high and dry. Such a repetitive routine needs to be broken with some form of refreshment; thus vacation becomes necessary to recharge the spent batteries. Out of the numerous options of vacationing anywhere in world, the idea of a luxury yachting in nature adorned land of Greece is a bright option. Yachting is a rejuvenating activity involving sailing boats, cruising to distant shores and other recreational chores.

The term ‘luxury yacht’ refers to the expensive and privately owned yacht that is laced with a professional crew. Luxury yacht is also known as a super-yacht or a mega-yacht. Thus, in order to incorporate the fun and frolic of yachting on a holiday, ‘luxury yacht charter’ helps to achieve this task. Luxury yacht chartering is the act of renting a sailboat or motor yacht in order to visit various destinations.

Luxury Yacht Charter Facilities

Since last two decades, there has been a marked boom in the luxury yacht charters for individual and corporate vacations. Particularly, these yachts are abundant in Mediterranean and Caribbean Sea areas like Greece. Such an increased interest in luxury yacht chartering has led to the development of numerous custom boat building companies and luxury yacht charter brokers.

To cater to the yachting needs, SAPO International based in Greece provides excellent and modern services in-line with the growing corporate demands. Yacht charter is available in two types – bareboat and crewed. Bareboat charter involves renting a boat to the client while being managed by the owner himself. There is no additional crew in this type of chartered yachts. However, the crewed charter yachts have professional crew to manage the boat. There are several factors that decide the cost of the charter like size of the yacht, age, crew strength and destination.

Luxury Yacht Charter Types

Yachts from dimensions of 23 meters and more conform to the Super Yacht Society. Yachts of 45 to 50 meters dimensions are usually three-decker with accommodation for 10-12 guests. Such a yacht has a lower deck, main deck, upper deck and a sun deck. Apart from this, a 50 meter yacht will have one or more luxury yacht tenders comprising of speed boat, jet-skis and other surfing equipment. Luxury yachts of 65 meters and above dimensions have four decks and a helipad. The manufacture of yachts of 100 meters and above dimensions has picked pace, being equipped with a total of 7 decks.

Other important elements of corporate vacations like accommodation arrangements, private jets, limousines, private parties, rented resorts on Islands and luxurious travel are also been attended to by SAPO International. Thus, the various services offered with respect to luxury yacht charters as mentioned must be checked out with due consideration to its credibility. …