Insurance Quotes Online: Sep 6, 2011

Tuesday, September 6, 2011

Financial issues affecting Singaporeans

You can read the key financial news affecting Singaporeans in the FISCA website, http://easyapps.sg/assn/Org/Information.aspx?id=5

You can attend the talks given by FISCA by registering here:
http://easyapps.sg/assn/Org/Event.aspx?id=5

Emergency Fund

Every person should build up an emergency fund of 6 months of earnings. If you earn $5,000 a month, the emergency fund should be $30,000. This fund should be invested in a liquid form, e.g. keep in the bank account, fixed deposit, money market fund or invested in short term bonds. The return is low, but it is more important to have the flexibility to withdraw the savings in an emergency, without any loss.

This emergency fund is needed to meet your cash needs during unemployment, unexpected medical bills or other emergencies. If you have an emergency fund, you will not have to borrow money on your credit card and incur 24% in interest charges.

This tip is important for young people. You should build up the emergency fund early. Do not spend all of your income away. Put aside savings for this emergency fund. It may mean that you should not buy your car or pay too much for your flat.

Tan Kin Lian

Gini index

The United Nations measure the Gini index as the ratio of the average income of the top 10% (richest) compared to the bottom 20% (poorest) in the country. A higher index shows a bigger inequality of income. Here are the findings:

High income countries
Japan 24.9
Germany 28.3
Canada 32.6
France 32.7
Australia 35.2
UK 36.0
Israel 39.2
USA 40.8
Singapore 42.5
Hong Kong 43.4

Low income countries
Indonesia 34.3
Russia 39.9
China 46.9

We have seen unrest in China and Israel about the high cost of living. Both countries have high Gini index. I have included Australia and Canada as these countries are rated to provide a good standard of life for their people.

America is considered to have high income inequality. Singapore is worse than America.

Source: http://en.wikipedia.org/wiki/List_of_countries_by_income_equality

Impact of Income Inequality

Let us look at two hypothetical countries, X and Y

X - 90% of the population earn an annual income of $40,000 while 10% earn an average of $120,000 (3 times).
Y - 90% of the population earn an annual income of $40,000 while 10% earn an average income of $240,000 (6 times).

In X, the top 10% earn 25% of the total income. In Y, the top 10% earn 40% of the total income.

Which country give a better life to its people? Most people would probably say that country Y is better - as 90% of the people l earn the same income as X, and it gives the opportunity for the remaining 10% to earn much more.

But this reasoning is wrong. The higher income earners of Y can afford to pay higher prices for property and other products and services and push up the cost of living - which creates a negative impact on the remaining 90%. This is why "the rich gets richer and the poor gets poorer".

A country with a greater income equality will allow more people to earn enough to meet the cost of living and raise a family. This is why a low income country with greater income equality gives a better life to the people, rather than a high income country with greater income inequality.

It is the inequality of income and the high unemployment rate (a main contributor to the inequality) that leads to unrest that has been seen in many countries during the past year.

Read this article about income inequality in America.

This article compares the Gini index of Singapore with other familiar countries.

Tan Kin Lian

Income inequality in USA

I wish to quote the following article from Wikipedia about income inequality in America, and explain in a separate article why it cause greater to people at the lower income level (compared to a society where the income distribution is more equal). I will also show the how Singapore fare in the Gini index, i.e. it is worse than America.

Quote from Wikipedia:
Income inequality is the extent to which income, most commonly measured by household or individual, is distributed in an uneven manner. While there seems to be consensus among social scientists that some degree of income inequality is needed, the extent of income inequality and its implications on society continue to be a subject of great debate, as they have been for over a century.

A study by the Southern Economic Journal found that "71 percent of American economists believe the distribution of income in the US should be more equal, and 81 percent feel that the redistribution of income is a legitimate role for government."

Data from official sources indicate that income inequality has been increasing since the 1970s. As of 2006, the United States had one of the highest levels of income inequality, as measured through the Gini index, among the high income countries.

In 2010, the top 20% of Americans earned 49.4% of the nation’s income, compared with the 3.4% earned by the roughly 15% of the population living below the poverty line. This earnings ratio of 14.5 to 1 was an increase from the 13.6 to 1 ratio in 2008 and a significant rise from the historic low of 7.69 to 1 in 1968.

Looking back even further to 1915, an era in which the Rockefellers and Carnegies dominated American industry, the richest 1% of Americans earned roughly 18% of all income. Today, the top 1% account for 24% of all income.

A Search Engine Marketing Professional Can Enable You Enhance ...

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There are a variety of types of products and services that a search engine marketing professional can give for an organization, and they ought to be discussed prior to signing the arrangement and then be specified in the penned contract of the organization. Two of the most common chores perfomed by web marketing and advertising authorities contain ranking development and directory submission. With great search motor optimization, an internet web page can be quite swiftly propelled in the listings of the most valuable investigation engines around the world. Additionally, the web-sites get tailored all-around related keywords and phrases which will entice very well-targeted site visitors.

The support flexibility is one of the characteristics to be anticipated and seemed for with a search engine marketing specialist. Before selecting somebody, it is great to examine a factor or two on your own, so that you may ask pertinent questions and have some background information on which to floor your small business needs. Some men and women are acquainted with the processes necessary for web web page overall performance in investigation motor, but, they absence the usually means, this kind of as distinctive application, to put their knowledge into apply. Instead of investing into pricey plans, many company proprietors therefore choose to contract a search engine marketing professional and start out a lengthy-expression collaboration that will acquire treatment of their business growth.

The various levels of the online marketing improvement procedure just take a specified period of time for implementation and the achievement of relevant outcomes. Just take for instance hyperlink submission to directories: outcomes will generally show up within just 3 days right after the completion of the procedure. Then, most of the publicity for the web page is obtained by working with RSS feeds which are in actuality record of merchandise, discussion board posts and articles or blog posts that include some kind of description, website link or relevant title. A search engine marketing expert will make guaranteed that the RSS feed development is conducted appropriately so that the products you market get the ideal rankings in investigation engines.

For those who have to have smbseo within the USA be sure to stop by link net services

Source: http://www.vagi.org/a-search-engine-marketing-professional-can-enable-you-enhance-your-online-product-sales.html

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Home Page > Internet > ECommerce > Free Business Advertising Made Easy

Free Business Advertising Made Easy

Posted: Apr 14, 2008 |Comments: 0
| Views: 201 |

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With the popularity of internet advertising, businesses can now go beyond geographical boundaries and market their products and services to the whole wide world. Complementing each other, millions of businesses now offer free business advertising to each other for better reach. Free Internet classified advertising is slowly catching up as the preferred mode to sell directly to buyers.

Advertising on the Internet is an effective option Everybody is on the Internet. And everybody is looking for something unique. Unlike other media, online Internet advertising needs to cater to specific needs of surfers. Classified advertising, as the name suggests, is a simple way to find exactly what you need. Offers and needs are neatly classified in easy, searchable groups. In this age of information overload, the classified ad information is precise, simple and easy to find.

Classified ads are primarily designed to sell and buy in a more personal, one-to-one setting. In addition, classified ads are now a preferred and cheap alternative for businesses to showcase their products and services due to the immense reach that they offer. The Internet has now made it even easier and widespread. Most of the online advertising sites offer very cheap classified ads or go a step further by offering free business advertising through free Internet classified advertising options. The heavy traffic due to the free classified advertising ensures revenues to these sites through advertising space for clients. Millions of buyers and sellers visit these free classified ad sites and spend considerable time searching for just the right product or service. These free classified advertising sites thus turn into highly effective platforms for brand building assets for bigger advertisers.

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Everybody wins with free online classified advertising The equation is simple. A business needs to reach out to more and more people on the Internet. Each website has a particular level of visitors, otherwise called traffic. In order to reach out to more traffic, businesses barter Internet online advertising space and thus increase traffic. This way, everybody wins. The businesses are more visible at no additional cost and the customer gets a wider choice of products and services. In addition, partner websites ensure better traffic for better business.

Like a newspaper, there are numerous websites that are specifically designed for free business advertising. Based on the simple theme of sharing information for overall profitability, these free classified ad sites offer free advertising tips for anyone who wants to harness the power of Internet online advertising. In addition, these classified advertising sites offer effective tools for free business advertising. A free classified ad gets more mileage, as everyone else is also looking for free business advertising in the true spirit of the Internet. The phenomenal success of free classified advertising in the print media is a reassuring backdrop for these free classified ad sites to operate in. Personal, exact and easily available information make free online classified advertising such a hit.

Adding wings to free classified online advertising Finding the right website is the first step to optimize response for your free classified ad. The more websites you are on, the better are the chances of hits. Many classified ad sites cater to specific target groups and visitors like photographers, motorcyclists, etc. Others are more generic and cater to almost all needs and offers. If you are selling something unique, then a site that caters to your specific target group should work. Nevertheless, many people actually buy goods and services only when they see them listed on a classified ad site and it is usually a good idea to place a few free classified ads on general free classified ad sites.

Online Internet advertising is all about reach and can turn any idea into a profitable online business idea or a profitable home business if it reaches out right. Free business advertising adds wing to an idea at no extra cost and success stories abound on the Internet. A good online advertising plan and help from free online advertising sites can take your business far on the Internet realm.

Free Internet classified advertising also helps those with limited advertising budgets carry out effective Internet online marketing at no extra cost. The best online advertising methods are the ones that use free business advertising to leverage their traditional advertising plans. Online Internet advertising is a powerful tool for profitable home businesses or businesses that are primarily dependent on networks of other people . Placing a classified ad on the right website is an important part of a good online marketing strategy. A good online marketing consultant can also help maximize returns from online Internet advertising. Online direct advertising considerably cuts overhead costs and the need for sales people by directly reaching prospective buyers with precise, edited and exact information about your products and services.

So go on, add the wings of the Internet and make free online classified advertising work wonders for your business and for you.

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Carael Knight -
About the Author:

Carael Knight is a very aggressive internet marketing expert.
MajorEnterprise is an Independent Internet Marketing And Advertising Company That Specializes In Boosting Website Sales.

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Election 2012: Huntsman Calls Controversy on Obama Speech ...

FROM: http://news.google.com/news/url?sa=t&fd=R&usg=AFQjCNErc_-kaGxHwD65eis23biM707sqw&url=http://www.ibtimes.com/articles/207136/20110901/president-obama-jobs-speech-jon-huntsman-republican-presidential-election.htm

International Business Times Election 2012 : Huntsman Calls Controversy on Obama Speech ?Nonsense? International Business Times By IBTimes Staff Reporter | September 1, 2011 10:14 AM EDT Republican presidential hopeful Jon Huntsman called the controversy over the timing of President Obama?s speech to Congress concerning jobs ?nonsense,? saying it is ?what people hate about ? and more??

RSS Feed ELECTION WATCH- read election news article below:
Election 2012: Huntsman Calls Controversy on Obama Speech ?Nonsense? ? International Business Times

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