business, insurance

Managing the Chinese Challenge

Background

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.

Diversity

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 …

insurance

Paying for Crystal Meth Rehab

The monetary cost of rehab is one of the most commonly cited reasons why drug addicts do not get treatment. Finding a way to pay for treatment can be challenging in some situations, but it is not always as bad as one might think. In fact, there are many resources that addicts can use to fund their treatment, and in many cases, treatment does not have to be expensive at all. When deciding how to pay for crystal meth rehab, here are some important considerations.

Honestly assessing the cost

First, before making assumptions about how much crystal meth rehab is going to cost, it is a good idea to actually do some research into the issue. Look into local treatment facilities, and find out how much they charge for their various levels of service. You may not be able to afford full inpatient treatment at your preferred facility, but there should be other options available. You may also want to call the facilities and speak directly to people. All your conversations will be confidential.

Also, if you have insurance (and many addicts unfortunately do not), look into what your policy covers. Your insurance may not cover every aspect of crystal meth rehab, but it will likely cut the cost for you in some important ways.

Finding funds

Entering crystal meth rehab is one of the most important things an addict will ever do, so one should not simply assume that the funds are not available. If you have things you do not need which you can sell, now would be a good time to cash in on them. Also, if you have any savings, consider dipping into them for rehab. Whatever you are saving those funds for, they will be useless if you cannot get clean.

Finally, do not be afraid to ask others for help with crystal meth rehab. If you are demonstrably serious about quitting drugs and feel certain that you need medical intervention to aid in your recovery, make a strong case to loved ones who may be able to help. You may encounter doubt or skepticism at first, but if you can show people that you are heartfelt in your desire to change, they may be willing to lend a hand in funding your crystal meth rehab.…

insurance, money

Can you beat a red light camera ticket in California?

People often wonder if its possible to beat a red light camera ticket in California. These kinds of cameras have been in use in many areas of the state for a good number of years. These can catch drivers that go through an intersection when the light is changing but these also capture people that make right turns in a places that have, “no turn on red” signs posted at corners.

 

How these work

 

This product type has been used in some areas of the world since the 1960s but only started being used in the United States in the 1990s. These take an image of the car if it is in the intersection at the time the light is red. The ticket is then mailed to the car owner.

 

One problem that has come up over and over again is the fact that many times the time period in which the light is yellow is considered to be too short, making it impossible for someone to pass through the intersection without being present at some time during the red period. This has caused tickets to be canceled and in some cases, the cameras to be removed.

 

There has also been controversy over finding the right person that was driving the vehicle as well as concerns from some groups about the violation of privacy by being photographed and observed. This has caused some cities to rethink using these, either canceling plans to install them or removing systems in place. Another issue is the validity of a private company having the authority to legally issue a citation.

 

What can be done?

 

People can sometimes take these to court to fight them but for the average person, this may not be feasible. People have to provide some information to show why they shouldn’t have been given a citation and often people are at a loss to provide this. People may not have the time available to take off work to go to court.

 

There is another method that people can use to fight this kind of citation. There are companies that handle this process for a fee. These companies often have good success with this process because they are familiar with what needs to be done to fight them. This can save clients money on the ticket but also it removes the moving violation from the record, as this can be a factor that increases insurance costs.…

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 …

insurance, money

States are cutting benefits for seasonal workers

Unemployment compensation is money paid to people who have lost a job through no fault of their own. It is temporary income meant to help make ends meet while people look for work. Persons’ eligible for unemployment compensation receive benefits biweekly for a limited number of weeks. Typically, the individual will be paid about half of what the original full-time income was before becoming unemployed.  The individual must be able and ready to return to work, either to their old job or a new job to claim unemployment benefits. For claims with an effective date of January 1, 2012 or later, the individual have to actively seek work during each week the individual claim unemployment compensation benefits.

            Seasonal workers are defined as a worker who finds work only in certain seasons. A seasonal job is a short-term position designed to fill a temporary need, usually related to the time of the year. The basic premise of a seasonal job is that employers hire seasonal staff to fill a particular need that is not expected to last more than a few weeks or months. The timeline is usually set out at the beginning so that employees are not surprised when the work ends. Until recently most states allowed seasonal employees to collect unemployment benefits during the months when they were unemployed. For example, school bus drivers, cafeteria workers, janitors, and many other school employees know they will be unemployed during the summer months. Other examples of seasonal workers include construction, hospitality, and tourists industries. Cities and communities often contract out for work like snow plowing, lawn watering, and beach lifeguarding on a seasonal basis, as these are jobs that, in most places, can only be done during certain times of the year. People who take these jobs frequently have other sources of employment, and often pick up tasks on a part-time or as needed basis.

            Federal law prohibits professional athletes from collecting unemployment benefits between seasons, and teachers from collecting unemployment benefits during the summer. Is it fair to cut unemployment for seasonal workers? Unemployment benefits are more or less a safety net; it exists to help people through tough times when they lose their jobs. Taxpayers concerns that seasonal workers who receive unemployment benefits will increase a debt burden onto them. However, individuals don’t pay unemployment insurance taxes, employers and the federal government pays into the unemployment system, and the states handle the distributions. The other factor at play into the concerns is that many of seasonal workers aren’t unemployed in the traditional sense, some are simply on hiatus. Many of these workers have jobs they will be returning to in a few months, and don’t have any incentive to find work while they are receiving unemployment benefits. This make is easy for many people to use unemployment compensation benefits as an income supplement subsidized by the federal government.

            There are currently 15 states that limit unemployment benefits to seasonal workers, and several more states have legislation in work to …

insurance

Free Reverse License Plate

Engaging in any sort of accident could be traumatic particularly if the individual who was driving another vehicle leaves the scene. There’s a tool that will help you are making certain that individual will pay for the things they did. Trying to find their information online can produce their name along with other important information.

If you want to determine who someone is that you could achieve this having a reverse license plate search. Perhaps you have experienced any sort of accident recently and also the other vehicle just became popular. This isn’t an enjoyable situation to stay in whatsoever, however, should you are capable of getting the license plate number in the vehicle, and you will discover who is the driver was. Knowing of one from the services that will help you, then your license plate number you have can be really handy.

Sometimes people get scared whether they have experienced any sort of accident because they do not have insurance or possibly they’d drink a lot of alcohol. When you’re tied to not one other option rather than write down the license plate quantity of the automobile which hits you, and also you must find out who it had been, you will want to think about using among the free reverse license plate search services on the web.

Utilizing a Free Reverse License Plate Search could be a useful tool when you really need to discover who the registered owner is of the car. There might be a variety of reasons that you would like to obtain these details. For example, you have hit by another driver plus they left the scene from the accident. Should you be lucky and could make it happen license plate number you’ll be able to use that number to find the registered owners information.

Carrying out a reverse license number search is really a perfectly legitimate method of learning about the facts from the ownership of the car. You may also ask a suitable government agency for that license plate information for just about any car that is registered now or which in fact had been registered at some point earlier. It’s possible right now to understand this information because the relevant government departments are meant to archive this sort of vehicle license plate data.
Whenever a person really wants to buy a used car, he’d always like to get just as much information about the owner of the vehicle as he can. This is good to know so far as the legal aspects are worried. Also, it gives an idea about how exactly that particular car had been driven. At the moment, doing this kind of a license plate research will help a lot. Actually, there isn’t any other way, that you could possibly get such detailed information concerning who owns a car and that too by only the information which is available on his car license number.

There are lots of sites that provide this particular service plus some of …

business, finance, insurance

Best Banks in India – List of Top Indian Banks

ICICI Bank is one of the best banks in the country, receiving many top awards such as the “Best Bank in India” by Euromoney. It has won the “Banking Technology Awards 2010” at The Indian Banks Association in a number of categories including: “Best Financial Inclusion Initiative” (first prize), “Best Online Bank” (runner up), “Best use of Business Intelligence” (runner up), and “Technology Bank of the year” (runner up).

Bank of Baroda is a leading nationalised bank in India. It has received Financial Inclusion Award 2011 instituted by Skoch Consultancy Services Pvt. Ltd. Bank of Baroda has also received many awards and recognition, such as the “Bank of Year 2010 – India” in The Banker Awards 2010 of “The Banker” Magazine; the “Elite Category Award” for “Excellence in Marketing and Brand Communication” for 2005; the Best Bank 2010 award by Business India in recognition of its consistent performance, to name a few.

HDFC Bank is one of the best and safest banks in India. It has received numerous awards, some of which include: Best performer in the Banking category (FE-EVI Green Business Leadership Award ), Best Cash Management Bank in India (The Asset Triple A Awards), World’s Top 1000 Banks (The Banker Magazine), Customer Responsiveness Award – Banking & Financial Services category (Avaya Global Connect 2010 ), Best Trade Finance Provider in India for 2010 (Global Finance Award).

Deutsche Bank is a leading foreign bank in India, offering a broad range of high quality banking products and services like private banking, insurance, investment, wealth management, credit cards and loans. It was named “Best Investment Bank in India 2009” by the Euromoney Awards for Excellence.

YES BANK has been recognized as one of the best and the fastest growing banks in various Indian Banking League Tables. It has been ranked 2nd amongst New Private Sectors Banks while being ranked 1st on the key parameter of Growth, among 64 Private, Public and Foreign Banks in India at FE Awards for India’s Best Banks.YES BANK’s Investment Banking Group was rated 1st in M&A ‘Outbound Cross Border Transactions’ and 5th in M&A ‘Overall’ category in the Bloomberg league tables in 2006.

Please visit the relevant guide for more information on the best banks in India.…

insurance, money

Pharmacy Technician – A Closer Look

In the not so distant past when you walked into a pharmacy needing to get a prescription filled you would have, in most instances, found that your prescription was actually filled by the on duty pharmacists. However, over the past few years a change has occurred in the pharmacist arena and that change is, “a pharmacist probably no longer filling your prescriptions”. Although pharmacists are on duty wherever medications are dispensed; today in most instances, a pharmacy technician or pharmacy assistant are the ones filling prescriptions.

Pharmacy Technicians and assistants have existed for some time but their roles have evolved for a variety of reasons.

A big reason is that they help to reduce health care costs because they get paid much less than a certified pharmacist. Another important reason is that it simply makes sense. Pharmacy technicians and assistants are trained to handle routine work (fill prescriptions and customer service), which frees up the pharmacists to focus more of their time on supervisory duties, as well as patient care.

Melissa Murer, Executive Director of the Pharmacy Technician Certification Board, put it this way, “Pharmacists are becoming more focused on patient care, so pharmacy technicians are needed to perform more of the distributive functions.”

In this brief (but hopefully informative article) I attempt to demonstrate what pharmacy technician and assistants do and where they do it.

In general, they assist licensed pharmacists in providing medication and health care to patients by preparing and filling prescriptions and performing clerical tasks. Duties are similar but pharmacy technicians generally have more responsibilities. In addition, technicians and assistants are required to be closely supervised by a licensened pharmacist, although the laws defining what “being supervised” entails, varies by state.

In addition to having all of their prescriptions checked by a pharmacist, technicians and assistants must also direct all patient questions regarding drug information, health matters or prescriptions to the pharmacist.

Pharmacy Technicians

Technicians follow specific procedures when filling prescriptions. After receiving an initial prescription or refill request, they must verify that the prescription information is accurate and then count, pour, retrieve, weigh, measure and if necessary, mix the required medication for the prescription. The next step is to prepare and affix the labels to the proper container. After filling the prescription the technician will then price and file it. Another important aspect of a technician’s job is to prepare patient insurance forms and establish and maintain patient profiles.

In retail pharmacies, technicians will also stock and take inventory of medications (both prescription and over-the-counter) maintain equipment and help manage the till.

In many hospitals, technicians have the responsibility to read the doctors orders from a patients’ chart, prepare and then deliver the medication after it’s been checked by a pharmacist. They may also enter information about patients’ medical records (regarding their medications) or put together a supply (normally 24 hours) of medicine for patients, including the labeling and packaging of each dose. But just like technicians working in a retail pharmacy, each package is …

insurance

SBM HPC cone crusher,the modified spring cone crusher

HPC cone crusher machine is suitable for:

SBM HPC series hydraulic cone crusher with high efficiency is suitable for primary crushing of many kinds of mining and rock whose compression strength not higher than 360Mpa, such as ore, concrete, fireproof material, alumyte, quartzite, corundum, perlite, ironstone, basalt etc. SBM HPC series hydraulic cone crusher is widely used in mining and construction, concrete factory, sandstone making industry.

SBM HPC cone crusher machine machine structure:

Cone crusher consist of frame, transmission device, hollow eccentric shaft, bowl-shaped bearing, crushing cone, springs and hydraulic pressure station for adjusting discharge opening.

SBM HPC cone crusher machine benefits and features:

1) High crushing ratio with high efficiency.
SBM HPC cone crusher machine introduces “eccentric bushing circum fixed shaft” special working principle, and strengthen the main shaft, which is possible to realize crushing with larger power. Crushing cavity of the HPC cone crusher adopts layer pressure theory and the matching speed will sharply increase the crushing ratio, output, so does the cubic product percentage.
2) Double insurance hydraulic governing system
SBM HPC series hydraulic cone crusher machine equipped with insurance cylinder, lock cylinder, lock oil cylinder. They not only protect the machinery but can deal with troubles without disassembly the machine parts. So the maintenance is easier than spring cone crusher.
3) New gearing adjusting system
SBM HPC series cone crusher adopts newly hydraulic driving system and function of self lock &wide adjustment.
4) Grease seal and effective labyrinth seal
SBM HPC cone crusher is adjusted by hydraulic device and lubricated by the dilute oil, which is helpful to avoid water jam, and radically eliminate the defect of water and oil in the traditional spring cone crusher.
5) Hadfield’s manganese steel is used in mantle and bowl.
Owing to the change of the crushing cavity and the protection of the crushed products, the abrasion decreases, and the service time is 30%-80% longer than traditional cone crusher.

Common problems for HPC cone crusher:

The performance of ordinary hydraulic pressure cone crusher can acts as the reference for the performance of HPC series cone crusher. As a composing unit of the production line, its performance can be influenced by other units like feeder, belt conveyor, vibrating screen, motor, transmission part and hopper, etc.
Take care of the following factors which can influence the performance of hydraulic pressure cone crusher:
1. choose the right crushing cavity according to the materials be crushed;
2. the feeding size should be right;
3. materials distributed equally around the round of crushing cavity;
4. automatically control system;
5. discharge opening of cone crusher works normally;
6. the model of belt conveyor be seasoned with the max. processing ability of the crusher;
7. Choose the right screen model for advance screening and closed screening.
The following character can decrease the capacity of Hydraulic Pressure:
1. the fine particle with size less than that of feeding hole surpass the max. capacity of the crusher by the extent of 10%;
2. Sticky materials mixed in the feeding;…

business, insurance

Outsource Your Data Entry Work In Social Society

In countries like America and Britain are running high on outsourcing. Frustration and anger among employees and customers of such companies is safety of their bank details.

With this in mind, companies are seeking new ways of outsourcing. Socially responsible outsourcing is one such option. It is a means by which companies outsource contracts for social enterprises. Poor countries (identified by the IMF), such socially deprived areas or those with a low number of employees in companies with businesses are small businesses. With the weak economy, most of the economic downturn to make the road. Western countries not to support the idea that countries that are open for business. The initiative for economic growth and reduce unemployment in disadvantaged areas helps. For example, data of the digital divide in Cambodia, a nonprofit data entry company has more than 500 socially disadvantaged individuals.

years. Socially responsible outsourcing these initiatives are a step forward. It ensures that sourcing funding is geared toward high-poverty areas. Those countries that want to outsource its currency difference and socially responsible companies outsourcing makes it economically feasible for both parties. In addition to saving on the dollar, which has the advantage of society as a whole, the image of the company is improving; while in a capitalist environment coexist. For example, California-based global outsourcing untapped talent through socially responsible pioneer in using.

Western governments to support the idea of ​​socially responsible outsourcing. Outsourcing reduces the pressure on the public and the term is connected socially responsible. The socially responsible outsourcing as part of life here – outweigh the disadvantages. This form of outsourcing for some companies to make them lighter and less resistance from customers to register will get an unfair advantage.

In the strict laws and legal gaps that need attention. Socially responsible procurement can be useful in the long run? It is certain that, if it is directed at developing and underdeveloped countries to economic tightening standards, employment, and contributes to the community provides the environment and has high ethical standards within the responsible outsourcing is way forward.

The cheap price is one of the reasons for outsourcing work.

Companies often “business to business companies are listed. Their business to other business houses to rely on the services provided by them. Today, every company involved in outsourcing. When a sole owner and. But today, the sky rocketing demand and is expanding the scope of the data entry companies.

All the companies a lot of data value. To generate a good business, you must effectively deal with your data. Thus, BTB business very seriously, ensuring companies treating. Pay lock box is one example.

Many companies, who are now involved in the operation of the hard-core data entry, research in medical billing, several universities, marketing jobs, news agencies, insurance companies and for many types of organizations are looking for project work.

You can help your company to grow and reach a tremendous height once you get accustomed to take the advantages from various available data entry work. …