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Online reviews on automotive dealer’s website are valued features and play a key role in influencing the customer’s automotive buying decision. Online reviews are sought after by customers using Internet at every stage of car buying process, as they offer existing customer experiences on vehicle models, services, policies etc of particular automotive dealers. It is important to include online reviews and testimonials in dealer websites as they help in retaining the existing customers and builds initial trust among potential customers. It helps to increase sales as prospective customers prefer to deal with dealers they can trust.

Positive Impacts:
Online reviews positively impact the dealership sales by increasing the confidence among both existing and potential customers.

Credibility
Potential customers perceive online reviews as authentic, genuine opinions from other customers and feel that they are receiving accurate information. They provide an effective way for dealers to communicate with customers. A good number of positive reviews on dealer website mentioning satisfactory experiences of customers are likely to instill confidence among potential customers. The potential customer can feel more comfortable and satisfied when reading a comprehensive evaluation of the dealer from a large number of customers. Even, the way dealers handle negative reviews by customers by quickly and efficiently resolving problems increases the trustworthiness of the dealers. It is likely that such unhappy customers will revert back to the same dealer.

Included In Consideration Set
The customers usually have a pre-defined set of vehicles that they prefer to buy. The automotive dealers in order to increase their sales needs to persuade the customers to alter their consideration set. The customer generated content like vehicle ratings and reviews, consumer ratings and reviews, dealer ratings and reviews can be effectively used by automotive dealers to alter the consideration set of these automotive internet users. The information given through dealer ratings and reviews can effectively target the new-vehicle buying customer segment. The reviews enhance dealer consideration among customers as both positive and negative reviews increases awareness level of the particular dealer. Also, positive reviews improve the attitude of customers towards dealers. Thus, expanding the consideration set helps to increase automotive dealership sales.

Reassurance
The online reviews and testimonials at automotive dealer website provide reassurance to the new customers that the dealer stands for professionalism, quality, credibility, and security. Reviews by previous customers reassure the potential customers that it is safe to deal with this dealer and there is commitment to customer’s privacy. Providing reviews on dealership website also increases conversion rates as it increases trust and confidence among first time visitors. Thus, existing and new customers will confide upon the dealership that helps to increase sales.

Negative Impacts If Not Monitored:
The negative online reviews can have impact on the attitude of customers towards automotive dealers.

Left Out From Consideration Set
Online reviews influence the purchasing decisions of automotive internet users. Also, they are checked while researching for a particular car on the Internet. Thus, ignoring or not monitoring the online reviews means failing to effectively target the large segment of automotive internet users and getting left out from user’s consideration. Poor online reviews and testimonials can fail to persuade, build confidence and trust among first time visitors and lose out on important prospective customers.

Needs More Time To Convince The Buyer
Online reviews and testimonials indicate the satisfaction of other customers due to better services and quality offered by dealer. Potential customers reading improperly monitored reviews are likely to view the dealer as less reliable and not trustable. Thus, the dealers may have to put in more efforts and time to convince the customers.

As online reviews are like online conversations between customers, automotive dealers need to actively get involved in them that can result in sales growth. The automotive dealers can leverage online reviews and testimonials by existing customers to generate new customers by efficiently targeting them at each step of car buying process.

Introduction
Computer forensics is the practice of collecting, analysing and reporting on digital information in a way that is legally admissible. It can be used in the detection and prevention of crime and in any dispute where evidence is stored digitally. Computer forensics has comparable examination stages to other forensic disciplines and faces similar issues.

About this guide
This guide discusses computer forensics from a neutral perspective. It is not linked to particular legislation or intended to promote a particular company or product and is not written in bias of either law enforcement or commercial computer forensics. It is aimed at a non-technical audience and provides a high-level view of computer forensics. This guide uses the term “computer”, but the concepts apply to any device capable of storing digital information. Where methodologies have been mentioned they are provided as examples only and do not constitute recommendations or advice. Copying and publishing the whole or part of this article is licensed solely under the terms of the Creative Commons – Attribution Non-Commercial 3.0 license

Uses of computer forensics
There are few areas of crime or dispute where computer forensics cannot be applied. Law enforcement agencies have been among the earliest and heaviest users of computer forensics and consequently have often been at the forefront of developments in the field. Computers may constitute a ‘scene of a crime’, for example with hacking [ 1] or denial of service attacks [2] or they may hold evidence in the form of emails, internet history, documents or other files relevant to crimes such as murder, kidnap, fraud and drug trafficking. It is not just the content of emails, documents and other files which may be of interest to investigators but also the ‘meta-data’ [3] associated with those files. A computer forensic examination may reveal when a document first appeared on a computer, when it was last edited, when it was last saved or printed and which user carried out these actions.

More recently, commercial organisations have used computer forensics to their benefit in a variety of cases such as;

Intellectual Property theft
Industrial espionage
Employment disputes
Fraud investigations
Forgeries
Matrimonial issues
Bankruptcy investigations
Inappropriate email and internet use in the work place
Regulatory compliance

Guidelines
For evidence to be admissible it must be reliable and not prejudicial, meaning that at all stages of this process admissibility should be at the forefront of a computer forensic examiner’s mind. One set of guidelines which has been widely accepted to assist in this is the Association of Chief Police Officers Good Practice Guide for Computer Based Electronic Evidence or ACPO Guide for short. Although the ACPO Guide is aimed at United Kingdom law enforcement its main principles are applicable to all computer forensics in whatever legislature. The four main principles from this guide have been reproduced below (with references to law enforcement removed):

No action should change data held on a computer or storage media which may be subsequently relied upon in court.

In circumstances where a person finds it necessary to access original data held on a computer or storage media, that person must be competent to do so and be able to give evidence explaining the relevance and the implications of their actions.

An audit trail or other record of all processes applied to computer-based electronic evidence should be created and preserved. An independent third-party should be able to examine those processes and achieve the same result.

The person in charge of the investigation has overall responsibility for ensuring that the law and these principles are adhered to.

In summary, no changes should be made to the original, however if access/changes are necessary the examiner must know what they are doing and to record their actions.

Live acquisition
Principle 2 above may raise the question: In what situation would changes to a suspect’s computer by a computer forensic examiner be necessary? Traditionally, the computer forensic examiner would make a copy (or acquire) information from a device which is turned off. A write-blocker[4] would be used to make an exact bit for bit copy [5] of the original storage medium. The examiner would work then from this copy, leaving the original demonstrably unchanged.

However, sometimes it is not possible or desirable to switch a computer off. It may not be possible to switch a computer off if doing so would result in considerable financial or other loss for the owner. It may not be desirable to switch a computer off if doing so would mean that potentially valuable evidence may be lost. In both these circumstances the computer forensic examiner would need to carry out a ‘live acquisition’ which would involve running a small program on the suspect computer in order to copy (or acquire) the data to the examiner’s hard drive.

By running such a program and attaching a destination drive to the suspect computer, the examiner will make changes and/or additions to the state of the computer which were not present before his actions. Such actions would remain admissible as long as the examiner recorded their actions, was aware of their impact and was able to explain their actions.

Stages of an examination
For the purposes of this article the computer forensic examination process has been divided into six stages. Although they are presented in their usual chronological order, it is necessary during an examination to be flexible. For example, during the analysis stage the examiner may find a new lead which would warrant further computers being examined and would mean a return to the evaluation stage.

Readiness
Forensic readiness is an important and occasionally overlooked stage in the examination process. In commercial computer forensics it can include educating clients about system preparedness; for example, forensic examinations will provide stronger evidence if a server or computer’s built-in auditing and logging systems are all switched on. For examiners there are many areas where prior organisation can help, including training, regular testing and verification of software and equipment, familiarity with legislation, dealing with unexpected issues (e.g., what to do if child pornography is present during a commercial job) and ensuring that your on-site acquisition kit is complete and in working order.

Evaluation
The evaluation stage includes the receiving of clear instructions, risk analysis and allocation of roles and resources. Risk analysis for law enforcement may include an assessment on the likelihood of physical threat on entering a suspect’s property and how best to deal with it. Commercial organisations also need to be aware of health and safety issues, while their evaluation would also cover reputational and financial risks on accepting a particular project.

Collection
The main part of the collection stage, acquisition, has been introduced above. If acquisition is to be carried out on-site rather than in a computer forensic laboratory then this stage would include identifying, securing and documenting the scene. Interviews or meetings with personnel who may hold information which could be relevant to the examination (which could include the end users of the computer, and the manager and person responsible for providing computer services) would usually be carried out at this stage. The ‘bagging and tagging’ audit trail would start here by sealing any materials in unique tamper-evident bags. Consideration also needs to be given to securely and safely transporting the material to the examiner’s laboratory.

Analysis
Analysis depends on the specifics of each job. The examiner usually provides feedback to the client during analysis and from this dialogue the analysis may take a different path or be narrowed to specific areas. Analysis must be accurate, thorough, impartial, recorded, repeatable and completed within the time-scales available and resources allocated. There are myriad tools available for computer forensics analysis. It is our opinion that the examiner should use any tool they feel comfortable with as long as they can justify their choice. The main requirements of a computer forensic tool is that it does what it is meant to do and the only way for examiners to be sure of this is for them to regularly test and calibrate the tools they use before analysis takes place. Dual-tool verification can confirm result integrity during analysis (if with tool ‘A’ the examiner finds artefact ‘X’ at location ‘Y’, then tool ‘B’ should replicate these results.)

Presentation
This stage usually involves the examiner producing a structured report on their findings, addressing the points in the initial instructions along with any subsequent instructions. It would also cover any other information which the examiner deems relevant to the investigation. The report must be written with the end reader in mind; in many cases the reader of the report will be non-technical, so the terminology should acknowledge this. The examiner should also be prepared to participate in meetings or telephone conferences to discuss and elaborate on the report.

Review
Along with the readiness stage, the review stage is often overlooked or disregarded. This may be due to the perceived costs of doing work that is not billable, or the need ‘to get on with the next job’. However, a review stage incorporated into each examination can help save money and raise the level of quality by making future examinations more efficient and time effective. A review of an examination can be simple, quick and can begin during any of the above stages. It may include a basic ‘what went wrong and how can this be improved’ and a ‘what went well and how can it be incorporated into future examinations’. Feedback from the instructing party should also be sought. Any lessons learnt from this stage should be applied to the next examination and fed into the readiness stage.

Issues facing computer forensics
The issues facing computer forensics examiners can be broken down into three broad categories: technical, legal and administrative.

Encryption – Encrypted files or hard drives can be impossible for investigators to view without the correct key or password. Examiners should consider that the key or password may be stored elsewhere on the computer or on another computer which the suspect has had access to. It could also reside in the volatile memory of a computer (known as RAM [6] which is usually lost on computer shut-down; another reason to consider using live acquisition techniques as outlined above.

Increasing storage space – Storage media holds ever greater amounts of data which for the examiner means that their analysis computers need to have sufficient processing power and available storage to efficiently deal with searching and analysing enormous amounts of data.

New technologies – Computing is an ever-changing area, with new hardware, software and operating systems being constantly produced. No single computer forensic examiner can be an expert on all areas, though they may frequently be expected to analyse something which they haven’t dealt with before. In order to deal with this situation, the examiner should be prepared and able to test and experiment with the behaviour of new technologies. Networking and sharing knowledge with other computer forensic examiners is also very useful in this respect as it’s likely someone else may have already encountered the same issue.

Anti-forensics – Anti-forensics is the practice of attempting to thwart computer forensic analysis. This may include encryption, the over-writing of data to make it unrecoverable, the modification of files’ meta-data and file obfuscation (disguising files). As with encryption above, the evidence that such methods have been used may be stored elsewhere on the computer or on another computer which the suspect has had access to. In our experience, it is very rare to see anti-forensics tools used correctly and frequently enough to totally obscure either their presence or the presence of the evidence they were used to hide.

Legal issues
Legal arguments may confuse or distract from a computer examiner’s findings. An example here would be the ‘Trojan Defence’. A Trojan is a piece of computer code disguised as something benign but which has a hidden and malicious purpose. Trojans have many uses, and include key-logging [7], uploading and downloading of files and installation of viruses. A lawyer may be able to argue that actions on a computer were not carried out by a user but were automated by a Trojan without the user’s knowledge; such a Trojan Defence has been successfully used even when no trace of a Trojan or other malicious code was found on the suspect’s computer. In such cases, a competent opposing lawyer, supplied with evidence from a competent computer forensic analyst, should be able to dismiss such an argument.

Accepted standards – There are a plethora of standards and guidelines in computer forensics, few of which appear to be universally accepted. This is due to a number of reasons including standard-setting bodies being tied to particular legislations, standards being aimed either at law enforcement or commercial forensics but not at both, the authors of such standards not being accepted by their peers, or high joining fees dissuading practitioners from participating.

Fitness to practice – In many jurisdictions there is no qualifying body to check the competence and integrity of computer forensics professionals. In such cases anyone may present themselves as a computer forensic expert, which may result in computer forensic examinations of questionable quality and a negative view of the profession as a whole.

Resources and further reading
There does not appear to be a great amount of material covering computer forensics which is aimed at a non-technical readership. However the following links at links at the bottom of this page may prove to be of interest prove to be of interest:

Glossary
1. Hacking: modifying a computer in way which was not originally intended in order to benefit the hacker’s goals.
2. Denial of Service attack: an attempt to prevent legitimate users of a computer system from having access to that system’s information or services.
3. Meta-data: at a basic level meta-data is data about data. It can be embedded within files or stored externally in a separate file and may contain information about the file’s author, format, creation date and so on.
4. Write blocker: a hardware device or software application which prevents any data from being modified or added to the storage medium being examined.
5. Bit copy: bit is a contraction of the term ‘binary digit’ and is the fundamental unit of computing. A bit copy refers to a sequential copy of every bit on a storage medium, which includes areas of the medium ‘invisible’ to the user.
6. RAM: Random Access Memory. RAM is a computer’s temporary workspace and is volatile, which means its contents are lost when the computer is powered off.
7. Key-logging: the recording of keyboard input giving the ability to read a user’s typed passwords, emails and other confidential information.

The continent of Asia is home to unequaled exotic cultural influences and temples built in times past, white blazing beaches, and tastefully unique cuisines. This should be a tour that any cruise fan must indulge. Cruise lines are an ideal way to tour this lovely continent.

During the extent of your cruise, there will be plentiful stops at some of the best tourist destinations that Asian culture has to offer. Gorgeous landscapes and unmistakably delightful food draws more tourists than the typical tour of the Bahamas. For those of you who seek new and different climates to satisfy that touring urge, this is the place to go. The entertainment is available at every stop.

Tourist cruising routes began to frequent South East Asia because the regions there respond to visitors with such an appeal that it is irresistible. Thailand, Hong Kong, the Philippines, and Singapore are certain stops along the South East Asia shores. The sights are amazing and these countries offer such friendly hospitality to those who come from distant lands.

Enter the region of Wat Pho in Bangkok, Thailand and experience the splendor of the Reclining Buddha, a famous tourist attraction. Hong Kong´s bustling retail environment is overwhelming at first, but once you get used to it, you feel welcomed as an equal and there are many souvenirs and gifts to bring home.

Many countries of Asia have moved into the tourist scene in order to boost industry interest and commerce. The Maldives and India as well as Sri Lanka and Taiwan represent the growth of Asian industry, and the advances in technology appeal to private-public sector partnerships that foster global growth of business. These countries especially call to tourists for this reason.

Ten days would be the minimum amount of time to allow for your cruise to tour Asia. You should expect an early arrival in order to adjust to the difference in time. You are going a significant distance from home for this experience.

Many cruise lines will arrange for you to stay in a hotel for the duration of your adjustment to the changes in time. From that point, after you have had time to settle, your journey will begin. Be sure that you have studied the Asian customs and rituals to some extent before your arrival in these countries so that you show reverence for local customs.

On a cruise, you can tour Asia at your leisure. This is such a huge continent that there will be much for you to take in, but you can set your own pace. Enjoy the sights and entertainment completely and you need not become overwhelmed by the breadth of it all.

Owning and running your own small business is a great thing to do, but it is not always easy. If you want to have success with your small business, there are some ways to do it, though. Here are some small business tips to maximize your profits and minimize your headache, even early on with the business.

The first of the small business tips that you need to remember is that in the early time of the business, you want to keep your profits as high as possible. This is not always an easy thing to do because often, especially when your business has first opened, your customers are pretty low, and therefore your money is pretty low. In order to make this happen, keep your spending as low as you can. Avoid buying anything that is unnecessary in order to keep all the money that you can.

Another of the great small business tips that you can use is about advertising. If you want to get customers, which are necessary for the success of many businesses, you will have to advertise in order to get them. Advertising is something that you should always make room for in your budget. Of course, finding the most affordable methods of advertising early on will make quite a bit of difference. It may take more work, though.

If you want to start your own small business, the market for a business is something you should consider. If there is no market for your business, you will not have any success with it. So, make sure that the people in your area will want to purchase the products or services that you will offer them. This is a very important part of having any sort of success with a business – possibly the most important in some cases, because it can often determine the success or failure of a business.

Another of the great business tips that you can use is to always take advantage of the Internet. Even if your business is not one that would benefit in any way from a website, it is a great idea to advertise on the Internet. This can greatly expand your ability to get customers. And what’s even better – Internet advertising is far more affordable than many local newspapers. This is advantageous for additional advertising at a great price, which is especially great for young businesses that don’t have a lot of money to spend on advertising.

If you have a successful small business, then you will experience all of the great advantages of it. But, you have to have a successful small business in order for that to happen. These small business tips will help you make your business more successful so that you will actually make money. Keep all of these in mind when you buy a business or when you start one of your own. They will be helpful in both cases to get your business established and help you actually make money.

Hillbilly music, country, western music or country and western all refer to country music. This genre of music is diverse. Most modern country music artistes have developed their styles from earlier singers. Whether it is a classic or contemporary tune, for most who are new to country music it would be difficult to understand the different styles. A guide to country music offers comparisons that allow people to identify with inimitable performers. People may read guides to identify with the different instruments that are used to create the styles and rhythms. Since country music is a genre filled with many talented musicians, a number of guides offer details about upcoming artists. They are authentic and allow fans to understand and read about their idols.

People who aren’t terribly familiar with country music may need some help differentiating between the types of music. Guides offer information and help comprehend the varieties included. This includes pop country that is perfected by artistes like Shania Twain. Rebel or rock country music includes songs that are performed by free spirited singers. They are usually independent and use bold rhythms. Texas country has produced singers such as Robert Earl Keen and Pat Green. Old country music is considered to be slow whereas real old country included yodelling. This was the original folk derivation and continues to be popular.

Guides offer an insight into new developments, artists, functions and country music performances. Guides help provide information regarding country music legends and compare modern artistes. These guides discuss a singer’s drawbacks and unique talent. These guides may be written by enthusiasts or critics and may at times reflect only the writers point of view. It is easy to find a country music guide online or in magazines, journals and reviews.

There is a simple but undeniable truth in the financial consulting and wealth planning industry that Wall Street has kept as a “dirty little secret” for years. That dirty little, and nearly always overlooked secret is THE WAY YOUR FINANCIAL ADVISOR IS PAID DIRECTLY AFFECTS THEIR FINANCIAL ADVICE TO YOU!

You want, and deserve (and consequently SHOULD EXPECT) unbiased financial advice in your best interests. But the fact is 99% of the general investing public has no idea how their financial advisor is compensated for the advice they provide. This is a tragic oversight, yet an all too common one. There are three basic compensation models for financial advisors – commissions based, fee-based, and fee-only.

Commission Based Financial Advisor – These advisors sell “loaded” or commission paying products like insurance, annuities, and loaded mutual funds. The commission your financial advisor is earning on your transaction may or may not be disclosed to you. I say “transaction” because that’s what commission based financial advisors do – they facilitate TRANSACTIONS. Once the transaction is over, you may be lucky to hear from them again because they’ve already earned the bulk of whatever commission they were going to earn.

Since these advisors are paid commissions which may or may not be disclosed, and the amounts may vary based on the insurance and investment products they sell, there is an inherent conflict of interest in the financial advice given to you and the commission these financial advisors earn. If their income is dependent on transactions and selling insurance and investment products, THEY HAVE A FINANCIAL INCENTIVE TO SELL YOU WHATEVER PAYS THEM THE HIGHEST COMMISSION! That’s not to say there aren’t some honest and ethical commission based advisors, but clearly this identifies a conflict of interest.

Fee Based Financial Advisor – Here’s the real “dirty little secret” Wall Street doesn’t want you to know about. Wall Street (meaning the firms and organizations involved in buying, selling, or managing assets, insurance and investments) has sufficiently blurred the lines between the three ways your financial advisor may be compensated that 99% of the investing public believes that hiring a Fee-Based Financial Advisor is directly correlated with “honest, ethical and unbiased” financial advice.

The truth is FEE-BASED MEANS NOTHING! Think about it (you’ll understand more when you learn the third type of compensation), all fee-BASED means is that your financial advisor can take fees AND commissions from selling insurance and investment products! So a “base” of their compensation may be tied to a percentage of the assets they manage on your behalf, then the “icing on the cake” is the commission income they can potentially earn by selling you commission driven investment and insurance products.

Neat little marketing trick right? Lead off with the word “Fee” so the general public thinks the compensation model is akin to the likes of attorney’s or accountants, then add the word “based” after it to cover their tails when these advisors sell you products for commissions!

FEE ONLY Financial Advisor – By far, the most appropriate and unbiased way to get financial advice is through a FEE-ONLY financial advisor. I stress the word “ONLY”, because a truly fee ONLY financial advisor CAN NOT, and WILL NOT accept commissions in any form. A Fee-ONLY financial advisor earns FEES in the form of hourly compensation, project financial planning, or a percentage of assets managed on your behalf.

All fees are in black and white, there are no hidden forms of compensation! Fee-Only financial advisors believe in FULL DISCLOSURE of any potential conflicts of interest in their compensation and the financial advice and guidance provided to you.

Understanding the conflict of interest in the financial advice given by commission based brokers enables you to clearly identify the conflict of interest for fee-based financial advisors also – they earn fees AND commissions! Hence – FEE-BASED MEANS NOTHING! There is only one true way to get the most unbiased, honest and ethical advice possible and that is through a financial advisor who believes in, and practices, full disclosure.

Commission and Fee-Based financial advisors typically don’t believe in or practice full-disclosure, because the sheer magnitude of the the fees the average investor/consumer pays would surely make them think twice.

Consider for a moment you need to buy a truck specifically for towing and hauling heavy loads. You go to the local Ford dealership and talk to a salesperson – that salesperson asks what type of vehicle you’re interested in and shows you their line of trucks. Of course, to that salesperson who earns a commission when you buy a truck – ONLY FORD has the right truck for you. It’s the best, it’s the only way to go, and if you don’t buy that truck from that salesperson you’re crazy!

The fact is Toyota makes great trucks, GM makes great trucks, Dodge makes great trucks. The Ford may or may not be the best truck for your needs, but the salesperson ONLY shows you the Ford, because that’s ALL the salesperson can sell you and make a commission from.

This is similar to a commission based financial advisor. If they sell annuities, they’ll show you annuities. If they sell mutual funds, all they’ll show you is commission paying mutual funds. If they sell life insurance, they’ll tell you life insurance is the solution to all of your financial problems. The fact is, when all you have is a hammer… everything looks like a nail!

Now consider for a moment you hired a car buying advisor and paid them a flat fee. That advisor is an expert and stays current on all of the new vehicles. That advisor’s only incentive is to find you the most appropriate truck for you, the one that hauls the most, tows the best, and is clearly the best option available. They earn a fee for their service, so they want you to be happy and refer your friends and family to them. They even have special arrangements worked out with all of the local car dealerships to get you the best price on the truck that’s right for you because they want to add value to your relationship with them.

The analogy of a “car buying advisor” is similar to a Fee-Only financial planner. Fee-Only financial advisor’s use the best available investments with the lowest possible cost. A Fee-Only financial advisor’s only incentive is to keep you happy, to earn your trust, to provide the best possible financial advice and guidance using the most appropriate investment tools and planning practices.

So on one hand you have a car salesperson who’s going to earn a commission (coincidentally the more you pay for the truck the more they earn!) to sell you one of the trucks off their lot. On the other hand, you have a trusted car buying advisor who shops all of the vehicles to find the most appropriate one for your specific needs, and then because of his relationships with all of the car dealers can also get you the best possible price on that vehicle. Which would you prefer?

Truly unbiased financial advice and guidance comes in the form of Fee-Only financial planning. You know exactly what you’re paying and what you’re getting in return for the compensation your Fee-Only financial advisor earns. Everything is in black and white, and there are no hidden agenda’s or conflicts of interest in the advice given to you by a true Fee-Only financial advisor!

The fact is unfortunately less than 1% of all financial advisor professionals are truly FEE-ONLY. The reason for this? There’s a clear and substantial disparity in a financial advisor’s income generated through commissions (or commissions and fees), and the income a financial advisor earns through the Fee-Only model:

Example #1 – You just changed employment and you’re rolling over a $250,000 401k into an IRA. The commission based advisor may sell you a variable annuity in your IRA (which is a very poor planning tactic in most cases and for many reasons) and earn a 5% (or many times more) commission ($12,500) and get an ongoing, or “trailer” commission of 1% (plus or minus) equal to $2,500 per year. The Fee-Only financial advisor may charge you a fee for retirement plan, an hourly fee, or a percentage of your portfolio to manage it. Let’s say in this case you pay a $500 retirement plan fee and 1.25% of assets managed (very common for a Fee-Only financial advisor in this situation). That advisor earns $500 plus $3,125 ($250,000 * 1.25%) or TOTAL COMPENSATION of $3,625 – FAR LESS THAN THE $15,000 THE COMMISSION (or Fee-Based) financial advisor earned! In fact it takes the Fee-Only financial advisor over four years to earn what the commission (or fee-based) advisor earned in one year!

Example #2 – You’re retired and managing a $750,000 nest egg which needs to provide you income for the rest of your life. A fee-based financial advisor may recommend putting $400,000 into an single premium immediate annuity to get you income and the other $350,000 into a fee-based managed mutual fund platform. The annuity may pay a commission of 4% or $16,000 and the fee-based managed mutual fund portfolio may cost 1.25% for total compensation of $20,375 first year (not including the “trailer” commissions). The Fee-Only advisor would possibly shop low load annuities for you, possibly put the entire portfolio into a managed account, possibly look at municipal bonds, or any other variety of options available. It’s hard to say how much the Fee-Only advisor would earn as their largest incentive is to keep you the client happy, and provide the best planning advice and guidance possible for your situation. BUT, in this case let’s just assume that a managed mutual fund portfolio was implemented with an averaged cost of 1% (very common for that level of assets), so the Fee-Only financial advisor earns roughly $7,500 per year and it takes that financial advisor THREE YEARS to earn what the fee-based financial advisor earned in ONE YEAR!

The prior examples are very common in today’s financial advisory industry. It’s unfortunate that such a disparity in income exists between the compensation models, or there would likely be many more truly independent and unbiased Fee-Only financial advisors today!

Now consider for a moment which financial advisor will work harder for you AFTER the initial consultations an planning? Which financial advisor must consistently earn your trust and add value to your financial and investment planning? It’s obvious the financial advisor with the most to lose is the Fee-Only advisor. A Fee-Only financial advisor has a direct loss of income on a regular basis from losing a client.

The commission or fee-based financial advisor however has little to lose. You can fire them after they’ve put you in their high commission products, and as you can see from the examples they’ve already made the majority of the commissions they’re going to make on you as a client. They have little to gain by continuing to add value to your financial and investment planning, and little to lose by losing you as a client.

Wouldn’t you prefer a financial advisory model where your financial advisor must continually earn your trust and add consistent value to your planning?

It’s clearly more difficult to earn a living and run a profitable financial advisory firm through the Fee-Only financial planning and guidance model. For this reason, most financial advisors take the easy way and sell products for commissions and charge fees on assets managed – that way they can make a nice living on your investment portfolio and still have an ongoing stream of revenue every year. For this reason also, less than 1% of financial advisors are truly Fee-Only, yet it’s that 1% that is truly objective and unbiased, and that 1% whose only incentive is to manage your financial plan, investments, and overall wealth to accomplish the goals you wish to achieve!

The real “dirty little secret” Wall St. has is the undeniable truth that the commission and fee-based financial advisory model has inherent conflicts of interest, and your advisor may be “selling you investment products” rather than “solving your financial problems”!

Home interior decorations is one all about making your house into a home. With colors, style, theme, furnishings and different decor elements a house gets its character. Starting with the living room right to the bathroom, home interior decorations looks into all the aspects of the house. The main goal for interior decoration of any room of the house is to give it an individual personality. Interior decor generally concentrates on finishes like wallpapers, wall paint, window coverings and furnishings. Along with it comes the balance of the various decoration items like wall hangings, showpieces etc. So let’s take a quick look for home interior decoration ideas for different rooms in a house.

Big Spacious Rooms

There are many ways to make a room look spacious and large. The first most important element is the room lighting. Go for soft and even lighting so that shadows don’t divide your room into smaller sections. Avoid putting ceiling lights as they make the ceiling look lower. By having a diffused and ambient lighting the room will look large. The next thing to keep in mind is the texture used in the room. Smooth surfaces tend to reflect more light as compared to heavy textured flooring. For interior decoration one can also use mirror and chrome as the reflection and shine give depth to a room. The wall colors of a room are also important in giving a spacious look to the room. Go for cream, beige, gray or cool pastels for walls. Also while selecting colors keep in mind that the ceiling should be in the lightest color in the room. The next thing comes the furniture. Place the furniture in a manner that it leaves adequate space to move around. Push the largest piece of furniture against the wall. Let the furniture color be similar to the wall and floor color of the room.

Cozy Rooms

Just like spacious rooms, cozy room interior decoration is also very much possible. Get the comfortable and settled in feeling as interior decoration creates an intimate space for you. Once more lighting will play an important role. There are many modern lighting trends that will help your room to look cozy and comfy. Avoid ceiling lights, instead lamps with down shades will help the room look compact. For room colors, go for strong wall and floor colors. This will create a feeling of closeness in your room interiors. Heavy soft textures are great for cozy room interiors. Try rough textures for the hard elements in the room. If you are trying to attract attention towards any particular piece of furniture then dark finishes and fabrics will surely tempt you to sink into that favorite sofa set. Use tall pieces for the room decor, as it creates a cozy world of intimacy.

Theme Room

A theme room is working on a particular idea and developing the home interior decoration accordingly. One can have the entire house decorated in one theme like contemporary home decor or Asian home decor or go room by room. Like the master bedroom can have a different theme, the teen room a trendy interior decor and so on. Once you have decided on the theme of the entire house or a particular room, select the decoration pieces for it.

Colors and Fabrics

In interior home decorations color and fabric are very important. When we say color, then it is not just wall colors. Select colors for fabrics, linen, pillows, curtains etc. complement it with the wall colors and give your room a vibrant look. The same concept applies to fabrics as well. Today there are so many different kinds of fabrics available. Select fabric that goes well with your room decor.

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Business finance training refers to programs that teach individuals how to handle various financial duties. Finance training is similar to finance tips in that both help business owners make better monetary decisions, but training programs offer a more detailed explanation of finance strategies. Training programs vary in price and can be used by the owners and employees of a business.

The most basic business finance training provide information on budgeting, preparing financial statements, managing cash flow, strategizing, forecasting, improving performance, and applying basic procedures and concepts to more effectively manage a business. These programs are recommended for new business owners to help them understand standard business practices. Once these basic methods are mastered, more specific financial training may be looked into.

Advanced business finance training delves more deeply into a certain financial procedure or concept, usually at a higher cost than basic programs. Advanced programs may teach business owners how to set up effective business models, make decisions based on quantitative analysis, manage and control accounts, practice due diligence, measure productivity, and strategize concerning mergers and acquisitions.

Taking part in any kind of business finance training gives a business owner the resources to make more intelligent business decisions that result in increased productivity and profits. Many different types of courses are available either online or at a specified location. Some programs may even offer the option to train at the business. Taking into consideration the needs and abilities of a business is the key to finding the best business finance training.

A business finance solution generally refers to methods of funding and maintaining the finances of a business. Most solutions involve ways of obtaining working capital, but others also offer ways of protecting and increasing that capital.

To obtain working capital, business owners look to finance solutions that offer funding by several different means. The most common means are loans and financing. Asset-based loans use a business’s assets, such as inventory and equipment, as collateral. A business may also opt for a property loan in order to acquire commercial space. Invoice financing, such as factoring, involves liquidating or selling a business’s accounts receivables in exchange for quick funding. Some businesses look to trade financing to supply their inventory. The business will tell its financer the amount and cost of goods needed, and the financer will pay for the goods. The business then repays the amount financed over a specified period of time.

Most companies that provide business finance solutions also offer ways to protect and increase a business’s capital. Credit protection safeguards a business from daily risks, such as customers not paying on time, so that the business does not suffer incredible losses. This makes it much easier for the business to borrow money in the future, and it protects the balance sheet. A finance solution may also offer business insurance plans that increase the stability of a business. The most common types of business insurance are employee and public liability, car, property, and health insurance. These business finance solutions are designed to protect businesses against potential losses.

We live in an information overloaded society, yet we actually know so little. While I was reading this book I took a straw poll of some people I know, and 100% of them had no idea who the Colwell brothers, or Herb Allen are. So much information, yet so little knowledge is a real problem in today’s world. The three cowboy brothers and Herb, probably did more for world peace, or at least peaceful co-existence than any President, or any government organization has ever done. Frank McGee has produced a great book that chronicles the story of these eclectic individuals. Even better the book is peppered with photographs of the actual people and events.

The story starts right after WWII, the Colwell’s are in their teens, and have a true skill in the entertainment world, initially self taught, they make their mark on the radio landscape, appearing in the Tex Williams weekly show. Invited to ‘tour’ overseas for one month the young brothers can not resist, and against their parents better judgment they set off on their adventure. It was almost a decade before they returned to the US. As part of MRA (Moral Re-Armament) and later Up With People they joined in the youthful mission to try and make the planet a better place. As the saying goes, ‘They boldly went where no man has gone before’. If there was conflict, you can guarantee that the Colwell brothers were not far away, acting as ambassadors of peace.

A Song For The World is a great and heartfelt work, Frank McGee has certainly done his homework, he follows the Colwell’s and Allen across the planet. From India, Africa, China, Russia, and just about every other country you can think of, we vicariously watch these kids grow into men, and subsequently fathers. Very late in the book McGee talks about how they became married men, and I have to admit it is a pretty strange tale. As nomadic minstrels they had little opportunity to go through the conventional courtship rituals. Instead they married first and dated later! While this sounds bizarre, the formula obviously worked for them.

There are very few musicians that have the bragging rights that these guys have, they have played for Kings and Queens, Emperors and Empresses, they have entertained millions of people, and yet never had a top 10 hit! This is a fascinating read and reveals a side of humanity that today is sadly in short supply, happiness, caring, and above all giving. We can learn much from the selfless actions of the Colwell brothers and Herb Allen.