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So,[link widoczny dla zalogowanych], these are the seven golden rules for getting great returns on your investment. Follow these and you will certainly make good money in stock market. For more information on investing in stock markets visit
NIFTY & SENSEX both require different attributes and investment strategies. No one must ever think in their wildest of dreams that their investment will double in a month or two (Okay! Until and unless something really big happens). It is always advisable for investors (Whether, novice or an expert) to direct their queries to market experts. It’s not that they are far better than everyone but yes they are actually better than those, who don’t have a genuine understanding of the market. Many people ask about investment schemes for reaping incredibly high returns in a short span of time through online share trading. All the media hype is just hog wash. There are no such schemes which can offer you increase in investments in just a month or two.
1,[link widoczny dla zalogowanych]. Never dream about getting your money doubled in just one shot.
2. 3 things: money, efforts and patience will help you in achieving all you want.
3. Neither be over-confident, nor be over pessimistic.
4. Invest in diversified portfolio to mitigate the risk of any sudden slide in the market.
5,[link widoczny dla zalogowanych]. Always ask your stock related queries only to market experts.
6,[link widoczny dla zalogowanych]. Wait for sometime in order to get the fruits from your planted tree.
7. Always make a strategy before investing in any option.
By Shirish Sha
See all Articles by Shirish ShaGet Updates on Business ConsultingGet Updates on Shirish Sha Average: 1 Your rating: None Average: 1 (1 vote) Tweet
I can’t understand that why people are always fantazing about doubling their hard earned money through online share trading in just two or three months. Without bothering about the credentials of a company,[link widoczny dla zalogowanych], most small investors follow a herd mentality and invest blindly thereby adding to asset bubbles. Some people decide to invest in the stocks of a company just because they get to hear from some source that its stock price has doubled in the last two years. Don’t play your hard earned money in a gamble like this. NIFTY & SENSEX are actually one of the biggest playgrounds of international speculation in the country (Although it’s official). Every day, many people find their luck changing here. Some earn big and some loose even bigger. Indian stock market provides an excellent opportunity to those investors, who are ready to put time, money and energy in their investments.
There is an old saying about equity trading that ‘only those people will make money here who have the patience of seeing their money sinking and then again floating’. The idea is that one has to wait for a considerable time say at least one year for seeing the performance of their investments and to analyze the rate of returns,[link widoczny dla zalogowanych]. It is also advisable to invest the money in different set of investment options because it’s very rarely happens that all options rise or crash simultaneously. Investing in different instruments not only diversifies the collective risk but it also helps in earning decent amount of money.
More interestingly,[link widoczny dla zalogowanych], if you search Q&A on NIFTY & SENSEX over Google , you will find thousands of results for it. The thing which you will find common in most of the question is this ‘ Hi,[link widoczny dla zalogowanych], I am pretty much interested in online share trading and wants to make huge money in it. Kindly tell me some scheme [Rather say it a shortcut] where I can make great amount of money quickly’. Maximum number of queries regarding online share trading display this type of tonality, which seems over optimistic. And they ask these type of questions on such public platforms where a lot of people answer as if they are the relatives of Warren Buffet. Being optimistic is not bad,[link widoczny dla zalogowanych], but not having the patience to hold stocks for the long term is something which hurts a great majority of investors.
So the main mantras for successful equity trading are as follows:
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Japanese news media reported Friday that Korea's five largest business conglomerates, Hyundai, Samsung, Daewoo, LG and SK, all plan to increase their paid-in capital by more than W15 trillion in total this year.

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Local internet service provider Daum Communications,[link widoczny dla zalogowanych], which specializes in the free 'hanmail.net' service,[link widoczny dla zalogowanych], announced Monday that it has signed a US$5-million investment deal with German firm Bertelsmann AG. The German multimedia firm,[link widoczny dla zalogowanych], which is involved in the production of CDs,[link widoczny dla zalogowanych], books and magazines and in the broadcasting and internet areas,[link widoczny dla zalogowanych], will purchase 1 million shares of Daum at W6,[link widoczny dla zalogowanych],000 per share. The current face value of the shares is W500. Daum said it plans to use the funds to increase its involvement in e-commerce and expand into the venture capital area.
(Suk Jong-hoon,[link widoczny dla zalogowanych], [link widoczny dla zalogowanych])
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Japanese news media reported Friday that Korea's five largest business conglomerates, Hyundai, Samsung, Daewoo, LG and SK, all plan to increase their paid-in capital by more than W15 trillion in total this year.

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So gather your documents it is time to continue living “The American Dream,[link widoczny dla zalogowanych]!”
There are products to accommodate most any of life’s circumstances whether you have slow credit, filed for bankruptcy, had a foreclosure, an average credit score,[link widoczny dla zalogowanych], or struggling to make ends meet. Without the assistance of a knowledgeable mortgage professional even a seasoned homeowner or investor can become confused.
It is to the borrowers’ advantage to submit a complete package upfront. As mentioned before, the underwriter may request additional documents. Gather this information in order to stay within the specific period.
When you are purchasing a home have your real estate agent provide you a copy of the purchase contract, will all addenda on the home, and a copy of the listing.
• Copies of (2) most recent pay stubs for all borrowers
• Copies of (2) most recent W-2 forms for all borrowers
• Copies of 1040 Forms Corporate and Individual (Self-employed Borrowers)
• Copy of (2) most recent months bank statements for all accounts, for all borrowers
• Copy of (12) months cancelled checks or bank statement showing payments of rent
• Copy of Front &amp,[link widoczny dla zalogowanych]; Back of cleared check for earnest money deposit (Purchase Only)
• Copy of VA Certificate (Veteran Only)
• Copy of 1st Time Homebuyer Certificate (If Applicable)
• Copy of Divorce Decree, Separation Statement for Alimony or Child Support (If Applicable)
• Copy of Bankruptcy Discharge Papers, with Itemized List showing what creditors were included in bankruptcy (If Applicable)
• Copy of Driver’s License, or State ID for all borrowers
• Copy of Social Security Card, or other identifying document, for all borrowers
• An original letter of explanation signed and dated by all borrowers detailing any credit issues. You should explain any slow or missed payments, bankruptcy, judgments, foreclosure, or discrepancies on credit report. Mention if you have disputed any inaccurate information. Letter should also explain any gaps in employment, and anything else that would raise a red flag.
• Fee for Credit Report (Purchase &amp,[link widoczny dla zalogowanych]; Refinance)
By Gertrude Chapman
See all Articles by GERTRUDE CHAPMANSee GERTRUDE CHAPMAN's Expert PageGet Updates on Mortgage and Home FinancingGet Updates on GERTRUDE CHAPMAN Average: 0 Your rating: None Tweet
Before your first meeting, the following are a list of basic documents that you should have on hand to give your mortgage professional:
Schedule an appointment with a mortgage professional, and do a comparison to see which program offers you the best benefits. Programs are designed for specific needs,[link widoczny dla zalogowanych], and choosing the incorrect one can cause you to not receive the rate of return you were expecting in a specific timeframe.
The above information will help to expedite the loan process. An underwriter may request additional documents, or information to be able to make a qualified decision to get the loan approved.
If you are considering refinancing your home, have the following documents available:
When meeting with the mortgage professional discuss what you are looking to accomplish. Be open and honest,[link widoczny dla zalogowanych], and if you are not clear on a certain matter, ask for clarification. Mortgage professionals are there to provide you with informative answers to help you make a qualified decision.
If the underwriter ask for other information be prompt to give what is needed to your mortgage professional. Mortgage lenders have what is called “turn times” when underwriters work on loan files. The turn times are different for Government, Conventional, and U.S.D.A loans.
Giving all that the real estate market has gone through, and the changes from the Federal government there is a need for expert knowledge in the market. Everyday the news media announces what is happening in the mortgage industry,[link widoczny dla zalogowanych], but these reports only give a brief summary of the topics.
• Name of Creditor
• Creditor’s full address
• Account number
• Monthly payment and balance owed on each account
• State if account is a personal loan,[link widoczny dla zalogowanych], credit card, auto loan,[link widoczny dla zalogowanych], mortgage,[link widoczny dla zalogowanych], student loan, or if you are a co-signer on a loan.
In order to get an accurate picture you may be asked how long do you plan to stay in your home, are you seeking an investment property to build your portfolio, have you had any problems with your credit,[link widoczny dla zalogowanych], and if so, what issues did you have and were the issues resolved.
If you ask the average person what was the most stressful part of seeking a mortgage, most will tell you the diversity of products. The mortgage industry has come a long way from a few basic programs to an array of financing options.
Have your credit information prepared to present to the mortgage professional.
The manner in which you pay your rent is significant in obtaining a mortgage. The name, full address,[link widoczny dla zalogowanych], and telephone number of the landlord is an important step in this process. Please make sure you give accurate information.
Current homeowners who are both selling and purchasing a home simultaneously should have the following:
Make sure to have on hand proof of a (2) year employment history for all borrowers. Provide the name of employer, employer’s full address, name and phone number of the Human Resource contact.
The mortgage professional will need to know if you are a first time homebuyer, because this year you can take advantage of the tax credit. This feature alone can save you substantially on your taxes. Other questions may be have you previously owned a home, are you a veteran, and how many dependents do you have.
When deciding the right time to start looking for a home most people assumes that their credit profile is not up to par. Assumption without facts can possibly limit a potential home seeker to settle for a home in an area of town that could not give them the monetary return they need.
Lenders want to know if you have stability in your employment, how much are you willing to contribute toward your down payment, will you be using gift funds and how much.
In addition to the guidelines of your specific mortgage, the promptness and efficiency of the borrowers’ efforts produces a higher approval rate.
In order to get a better understanding of how you would benefit from the topics it would be to your best interest to seek out the advice of a mortgage professional. The mortgage professional can give you critical insight based on your individual set of circumstances. That professional can recommend which product can help you build wealth through home ownership.
• Copy of contract including all addenda for present home (If Selling Property)
• Copy of lease of present home (If Renting Property)
• Copy of Survey
• Copy of Insurance Declaration Page
• Name Of Insurance Agent and phone number
• Proof of Flood or any other Insurance (If Applicable)
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It started on Saturday. I was speaking with my dad about how I was having a challenging time with the fact that my fiancé has a little 3 year old, and how I’m having to get used to the crying and all the other little things a three year old goes through.

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Companies can also take advantage of the experience and know-how of events management services. No matter how efficient a company employee might be at arranging an event,[link widoczny dla zalogowanych], a specialist will consistently offer better results. This is because of the familiarity with the field which has been acquired over years of organising events and the practical knowledge that has subsequently been acquired. This experience and knowledge is vital in making certain an event operates efficiently and without problems. The best outcome should be gained from selecting an event management UK company.
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Many businesses might attempt to organise an event themselves rather than seek assistance from a professional,[link widoczny dla zalogowanych], with a vision to conserving money. Yet there are a number of benefits to deciding to hire events management services. Time pressure on staff members will be enormously decreased. What is more,[link widoczny dla zalogowanych], with many years of experience a third party events management company can offer a wealth of experience,[link widoczny dla zalogowanych], know-how and favourable contacts.
Furthermore, companies can surprisingly save a substantial amount of money through choosing specialised events management services. This is accomplished through years of experience in the field. Throughout the years,[link widoczny dla zalogowanych], events management professionals ought to have amassed a large list of useful contacts. This means the expense of planning an event can be greatly reduced, despite the cost of hiring events management services. Taking into consideration the present economic climate,[link widoczny dla zalogowanych], any potential financial savings should not be sniffed at.
Arranging an event is an extremely challenging task that pulls in various different elements in order to create a highly refined and seamless end product. This is especially so when a staff member is expected to organise an event alongside their day-to-day responsibilities,[link widoczny dla zalogowanych]. For this reason events management services are available that will take care of planning an event on the account of an individual or an organisation. Consequently the business or individual is free to concentrate on the tasks they're qualified in,[link widoczny dla zalogowanych].
First and foremost,[link widoczny dla zalogowanych], events management services have the ability to alleviate businesses of a substantial time burden. It is usually the case that a staff member will be designated the job of planning an event on top of their usual duties. Without help this can thus deter from the regular duties of that individual. By employing a third party service the company can make sure that primary business procedures are not compromised through devoting senior staff to event management. Not surprisingly,[link widoczny dla zalogowanych], it takes a great deal less time to simply liaise with events management services rather than planning an event oneself.
By Robert Deans
See all Articles by Robert DeansGet Updates on Marketing StrategyGet Updates on Robert Deans Average: 0 Your rating: None Tweet
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It started on Saturday. I was speaking with my dad about how I was having a challenging time with the fact that my fiancé has a little 3 year old, and how I’m having to get used to the crying and all the other little things a three year old goes through.

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3. Wind – may be significant driving force of smoke within a home. This often occurs when there are open windows or doors on the windward side of the structure. During installation of fire alarms in various rooms, consideration of the prevailing winds and possible window or door openings should become part of the evaluation.
5. HVAC – heating,[link widoczny dla zalogowanych], ventilation, and air-conditioning systems in a home may contribute greatly to smoke movement. HVAC units with a return air system may distribute smoke from a fire area to other parts of the home or may aid combustion by providing a constant supply of air. Duct systems may penetrate barriers such as walls and floors,[link widoczny dla zalogowanych], permitting the movement of heated gases into protected areas. Processed air (either heated or cooled) is distributed to all rooms through a system of ducts that may run from the basement to the second floor in a space called a chase. It is very important to evaluate the direction of the fins in the ceiling diffusers since the air flow across a smoke alarm will delay the activation of the alarm. The DeTech smoke alarm should be installed in an area away from the influence of air movements from the ceiling grille.
Even though DeTech Fire Alarms are the most reliable products on the market today, a DeTech Fire Alarm Dealer and their representatives must understand the potential dynamics of air movement in the homes they protect. This is why all DeTech Fire Alarm Consultants must participate in continuing education training sponsored by DeTech, Inc. These programs were developed by trained professionals who have performed years of research through Texas A&M University,[link widoczny dla zalogowanych], Colorado State University and have taught at the U.S. Fire Academy.
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When evaluating rooms for the proper location of DeTech smoke alarms,[link widoczny dla zalogowanych], consider the different systems that will influence smoke movement. Since the return air grille will have a negative pressure,[link widoczny dla zalogowanych], air and smoke will be drawn toward the return grille. This air/or smoke movement should be considered when evaluating the proper location of the smoke alarm.
Here are several factors a DeTech Fire Alarm expert is taught and must understand when evaluating a residential structure.
4. Stack Effect – is the tendency of air or smoke in a two story structure to move upward when outside temperatures are much colder than those in the building and may be the strongest influence of air currents and smoke on a winter day. Basically, as warm air rises to the top of a building due to buoyancy, colder air enters the structure to fill the space below, then becomes heated and also rises. This causes pressure at the top of the home forcing the air to move outwards at its upper level. The reverse affect occurs during the summer months if a home is air conditioned. When evaluating the placement of a DeTech fire alarm it is best to locate the neutral plane,[link widoczny dla zalogowanych], the elevation at which pressure inside and outside a building is equal.
2. Expansion – occurs when the smoke is heated. It expands in proportion to its absolute temperature and seeks to occupy a greater volume. In sealed environments the pressure will increase, driving smoke to flow through every pinhole available. If oxygen is suddenly introduced,[link widoczny dla zalogowanych], an explosion is possible. As distance increases, other factors become more significant and building air currents take over.
This is another example why proper placement and installation of DeTech fire alarms is critical to life safety. This is why it makes sense to have a professional,[link widoczny dla zalogowanych], that has access to the above mentioned information and training, evaluate your home and install high quality technology in the optimum locations.
1. Buoyancy – refers to the tendency of heated smoke to rise due to its reduced density. It causes smoke to rise through leakage paths in the ceiling, and to move through any leakage paths in the walls or around the doors of the room of origin. This affect usually decreases with distance as the temperature drops. This may cause the smoke to stall if no other forces are introduced to drive the smoke further. This is why a DeTech fire alarm in each room of a home is critical.
By Mabon Dallan
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One of the areas of training is analysis of smoke movement within a dwelling. Smoke can spread further and often faster than flames. It’s consequences,[link widoczny dla zalogowanych], both in life loss and property damage,[link widoczny dla zalogowanych], are often greater than those of flames. It contributes to panic and obscures vision, impeding both occupant escape and fire fighting operations. In addition, it carries toxic products that can harm or kill when either concentration or exposure time exceeds allowable levels. Therefore,[link widoczny dla zalogowanych], a basic understanding of the major driving forces is critical since they may influence the proper location of fire alarms.
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It started on Saturday. I was speaking with my dad about how I was having a challenging time with the fact that my fiancé has a little 3 year old, and how I’m having to get used to the crying and all the other little things a three year old goes through.

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By Maryellen Smith,[link widoczny dla zalogowanych]
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Ask yourself regularly: Is what I’m saying appreciating or depreciating what I’m doing? If you’re depreciating ask yourself: How can I look at this another way to appreciate what I’m doing,[link widoczny dla zalogowanych]?
If you own a company,[link widoczny dla zalogowanych], you’re putting all your money, energy,[link widoczny dla zalogowanych], hope and faith into it; faith that the company will go up in value. There may be some external factors over which you have no control, which affect your business. However,[link widoczny dla zalogowanych], you do have control over your words, what you say about your company. Every time you express your doubts out loud that your company may fail, you are consciously devaluing your company. You are consciously creating and spreading less value.
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If a bunch of people go on the Internet and start talking about how a stock is going to go down, fail,[link widoczny dla zalogowanych], it’s likely to go down. Everyone believes it,[link widoczny dla zalogowanych], the stock gets devalued. If the opposite happens,[link widoczny dla zalogowanych], people talk about value and the
likelihood of a stock going up, everyone wants it, the stock goes up. It’s all still a gamble but positive emotions create value. If you work for someone else and are a good employee, you consciously create value for the company. You set
out with intent to make money for the company. Regardless of how you feel about the company, what you say matters. If you know how to create value for another person’s company, you know how to do that for your own company.
Yes,[link widoczny dla zalogowanych], there are a lot of variables. Yes, there are a lot of unknowns. Yes,[link widoczny dla zalogowanych], there are things that are out of your control. Your only choice is how you respond to those things. And one of the most frequent ways in which we respond is
words. You always have a choice about your words. Consciously choose words that value your company and what you do,[link widoczny dla zalogowanych], regardless of your fears. Over time, those words will alleviate the fears and you will have created a company with great value.
If you own a stock, you can follow it on the stock exchange and watch it go up and down in value all day. You have no control over the value or the fluctuation. All you really have is the hope and faith that the stock will go up. Your choice lies in keeping it or selling the stock.
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When you decide to invest in mutual funds or anything else, diversification is the best way to protect your investment. This is one reason why mutual funds are so popular. Mutual funds are an easy, inexpensive way to diversify your investments.

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Here's to getting more inbound links and ranking at the top,[link widoczny dla zalogowanych]!
What do most web site owners or webmasters want? Other than a fat checking account,[link widoczny dla zalogowanych], they want links! Yes, they want LINKS. Lots of inbound links... The more links the better!
Just having a link in your menu that says "Link to Me" will prompt a some people to link to you who may not have thought about it and that will get links you probably wouldn't have gotten otherwise.
Sometimes it's easy to overlook the obvious and only think about the complex and complicated methods of linking strategies. I'm going to tell you about one often overlooked page you can put on your site to get a few extra links. A page that is easy to create and can help build those valuable inbound links. What is it? A page with instructions or suggestions on how to link to your site. Sound too simple to work? Don't assume everyone knows how to do these things, the fact is a lot of people don't.
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A "How to Link to Me" page should include a variety of suggested text links,[link widoczny dla zalogowanych], links with thumbnail images, and maybe even an ad or two. If you are suggesting links with images, give the well worn phrase "right-click to save images locally and then upload to your web server". One of the biggest mistakes people make is assuming that everyone knows how to do the simple stuff... don't assume that everyone knows how to do these things,[link widoczny dla zalogowanych], they don't. Also,[link widoczny dla zalogowanych], make textareas to hold the suggested HTML so that the resulting page displays the actual HTML text and is easy for someone to copy and paste.
By Fred Black
See all Articles by Fred BlackSee Fred Black's Expert PageGet Updates on Internet MarketingGet Updates on Fred Black Average: 0 Your rating: None Tweet
There are several reasons why this helps build links. You may think if someone wants to link to you they'll just do it, right? Maybe not. By having a detailed instructions page it gives YOU the opportunity to suggest the text that's used in an inbound link - this is call "anchor text". In case you don't know,[link widoczny dla zalogowanych], that text is important to your search engine rankings. Some people WILL use your suggestions,[link widoczny dla zalogowanych], some won't,[link widoczny dla zalogowanych], but some will and that will aid your Search Engine Optimization (SEO) efforts. There are a lot of sites that are operated by individuals with limited HTML skills. By providing the HTML code to copy and paste, you help and encourage these people to successfully link to your site. Every link counts. What if adding this page to your site only gets you a handful of links you otherwise would not have had? To me it's worth it. And you if get a even a few links from sites with a high page rank value it will really help your ranking.
I already had "How to Link to Me" information on the contact page of my one of my web sites,[link widoczny dla zalogowanych], but I didn’t have a dedicated "How to Link to Me" page on my main blog until I wrote this article. In fact,[link widoczny dla zalogowanych], most sites don't and the site owner never thinks of doing it.
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When you decide to invest in mutual funds or anything else, diversification is the best way to protect your investment. This is one reason why mutual funds are so popular. Mutual funds are an easy, inexpensive way to diversify your investments.

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Your benefit advantage is . . .
Your benefit advantage must be sustainable too,[link widoczny dla zalogowanych], meaning that you expect to be able to offer it for months or years, not just until your competition catches up. I'll be writing about sustainability in future blogs, but I'd encourage you to start building robust marketing skills today by enrolling in one of the many excellent marketing courses at Trump University.
Even though the term Benefit Advantage may not sound too exciting, it is what you absolutely need to have to beat your competitors in the marketplace. It is the heart of your marketing strategy.
Donald Sexton,[link widoczny dla zalogowanych], PhD,[link widoczny dla zalogowanych], is Trump University's professor of marketing and sales. He is also Professor of Business at Columbia University and President of The Arrow Group, Ltd.,[link widoczny dla zalogowanych], a leading marketing consulting group. Dr. Sexton's is author of the new book, Trump University Marketing 101, available at bookstores nationwide and through online booksellers. Contact Dr. Sexton at [link widoczny dla zalogowanych].
By Donald Sexton,[link widoczny dla zalogowanych], Trump University, The Official Guides to Real Estate
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Be sure to visit the Trump blog tomorrow (Saturday,[link widoczny dla zalogowanych], October 7th) when we will post an essay directly from the desk of Donald J. Trump. It's called "The Harder I Work,[link widoczny dla zalogowanych], The Luckier I Get," and it is packed with insights that will get your life and your career off to agreat new start.Don't miss it.
Clarity - Pin down a few of your key benefits that are easy to understand and communicate. Jiffy-Lube, for example, became successful by offering fast oil changes without the need for an appointment. Relevance to your customers - Your benefits have to "speak" to the needs of your target customers. If you operate a child-care center, for example,[link widoczny dla zalogowanych], you might want to tell harried parents that you offer flexible drop-off times. That will put you ahead of other centers that say, "Drop off is 8:00 AM." Uniqueness - You need to offer products,[link widoczny dla zalogowanych], features or capabilities that your competitors genuinely lack. For example, special equipment or courses at your health club. Without those features,[link widoczny dla zalogowanych], your customers will do business with your competitors instead of with you, especially if there are other key advantages (such as price or location) for doing so.
To perfect your marketing skills,[link widoczny dla zalogowanych], be sure to enroll in Trump University's new course, The Marketing Mastery Program. Classes now forming.
SPECIAL NOTICE TO OUR READERS
The reason your customers should buy from you instead of from your competitors
Donald Sexton, PhD,[link widoczny dla zalogowanych], is Trump University’s faculty member in marketing and sales. He is also Professor of Business at Columbia University and President of The Arrow Group, a leading marketing consulting group. Dr. Sexton teaches The Marketing Mastery Program at Trump University. Author's Bio:
To work for you, your benefit advantage needs three key elements:
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When you decide to invest in mutual funds or anything else, diversification is the best way to protect your investment. This is one reason why mutual funds are so popular. Mutual funds are an easy, inexpensive way to diversify your investments.

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As the ex-presidential aide for anti-corruption affairs Lee Yong-chul stands up to confess that he was offered a bribe by the Samsung Group but returned it,[link widoczny dla zalogowanych], other presidential staffers sweat and think,[link widoczny dla zalogowanych], ��You��re not the only one. Don��t make a fuss.��
Among former and incumbent aides to President Roh Moo-hyun,[link widoczny dla zalogowanych], Lee is the first to make the revelation about a bribe offer.相关的主题文章:


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so the human species can evolve. So at this point

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When you decide to invest in mutual funds or anything else, diversification is the best way to protect your investment. This is one reason why mutual funds are so popular. Mutual funds are an easy, inexpensive way to diversify your investments.

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,[link widoczny dla zalogowanych]
These experiences have made Vantage Agora to think deeply over the years, and to develop appropriate and realistic solutions.
7. Feedback loop: If the measure is not going well, make sure that you have a clear way of catching it (This is usually done by having good SLAs on your KPIs. Example, please see the "RYG status" at the bottom of one of VA dashboards) and contingency plans already thought out. Have a feedback loop from the organization on the company initiative and make sure that you communicate back to the organization on your findings. Celebrate successes and talk about how it is being in line with your mission statement and AOP. Create pilots, celebrate success and accept all failures as failure of the management. This will galvanize the company to be open to new initiatives when you want to start them next time.
6. Company Rhythms: To bring credence to the initiative, have a beginning,[link widoczny dla zalogowanych], a regular measurement, and the final closure. Make sure that you have a clear owner for the initiative with written and tangible success and failure criterion. Track the progress if the plan with a project plans. Use visual display techniques of making sure that the progress of the initiative is visible on the walls of the organization. This should list out the success and failure of every project in the organization and measure it in a regular pattern. Have all your meetings start with the operating rhythms for the day, week, month, and year. That will help everyone be on the same page.
Example 3: Others have confessed that they have a mission statement and solid strategy to implement it. But are hindered every step of the way because executing the plan is sucking the blood out the management team. One of the CEOs told me, "Harsha, the best way to get things done is to give the same initiative to three of my best people and have an internal competition with the organization". My response got me into trouble when I told him "This is also the best way to kill your company and de-motivate your people".
5. Key Performance Indicators (KPI): Have one tool and only one measurement metrics for the entire organization from the CEO down to the shop floor for ALL activities. Everyone marches by the same measures and everyone in the organization knows these key measures. Stress on the importance of completing the job. Ensure that people finish their task updates in a timely manner. For each of these KRAs have a clearly defined SLA. We know a lot of companies that implement Kaplans Balance Score Card use KRA and KPI interchangeably. We would like to make the distinction that KRA is the area of result (The "What" of the problem) and KPI is (Where it is measured in the organization). Make sure that everyone in the organization knows their specific KRA and KPI. This is critical to the success of the implementation of the plan.
Example 1: The CEO of a mid-market company confessed "Harsha, I have hired some of the best people in my business good people,[link widoczny dla zalogowanych], but every time they join my organization they all become a bunch of nay Sayers. I just can't understand why every time I have a plan to get this company to the next step by executing a strategic plan they seem to dissuading me not to do it or telling me why it will fail. It is almost as though they don't care about the success of the organization or their owner careers. Sometimes not even that, they just don't want any change at all. Do they not understand that it is their company and they grow when the company grows?"
3. One message: Have only one message at a time across the entire company. In fact, talk only about one step of the initiative at a time across the company. Talk about the initiative with reference to the mission and goals of the company. This will help the entire organization relate to how the initiative is good for the organization and themselves. This sort of consistency of messaging galvanizes the entire organization to the initiative. This message should be driven by everyone in management (Especially the CEO, founders, and top management). This consistency of message is critical for the success executing any strategy (A side note, one way to make a mission statement a reality is to use it in your daily messages,[link widoczny dla zalogowanych], in your public address, in your emails, in your marketing material and in your meetings to help it become a part of the system. Use the mission statement with your team as a sounding board when you are in doubt as a team. A simple rule of thumb would be to talk about the mission statement at least once a day with someone in the organization).
Example 2: One of the people that I met, a leader of fortune 100 company, confessed to me that he had problem with his team and wondered why people took such a long time to implement initiatives. He wondered why all his efforts were watered down by the time they became a reality. He told me that his own trick to contain this problem was to hire the best and make sure that he set such high standards that even if he gets out 75% of the expected results the strategic initiative(s) would work fine. He also confessed that most people were burnt out and he had high attrition problems.
We have listed the process that we use within VA and have implemented in other companies that have yielded results.
If you are in the process of preparing the plan, implementing it,[link widoczny dla zalogowanych], or have any questions about this article please feel free to connect with any one of us Vantage Agora.
Great! Let us jump right into it. Let me try and explain a few of the situations that we have faced as a Insurance Outsourcing company or people. Then we can come up with a standardized approach to overcoming these problems.
In the last month's Agora Times we looked at how the year is coming to an end and how we should be putting a plan that we can execute (Planning to execute) to for the coming year. In this edition of the document we take a look at how to execute that plan or a strategy to success (VA Executing your strategies to success-ES2S). You might notice that this is Vantage Agora's tag line and the corner stone on which we have built the company. If anyone of you can gain from this concept then our effort to pen these processes would be well worth.
The problem:
These organizations had a lot of things going right for them. The leaders were highly innovative,[link widoczny dla zalogowanych], energetic and were giving their 100%. Yet most of them have failed as an organization because they did not put together a process that everyone in their organization could follow and execute the strategies to success.
4. Key Result Area (KRA): Make sure that everyone's first KRA is in line with the company's strategic direction or the major initiative. Meaning, everyone in the organization has a KRA that is measurable by an object KPI. Make sure that both the KRA and KPI is in line with the mantra for the quarter. We have seen it time and time again, that this is the key to success. Example, if you want improve the quality levels in the organization, make sure that quality of their teams and products have the most weight in every employees KRA. Including yours!
Example 4: Still others have confessed that it is a serious lack of accountability at all levels. They felt that their teams understand what needs to be done and how to go about doing it but they don't want to do it. In many cases leaders suspecting this behavior have gone back and over loaded their employee with a number of initiatives all of these that have come to a naught. So much so that many of these companies have died just for the reason that leaders are flooding the company with so many conflicting ideas,[link widoczny dla zalogowanych].
Let us go through the problem again,[link widoczny dla zalogowanych]. We have talked about how we good companies have an innate structure to execute their plans to success. We have established how to put a detailed Annual Operating Plan (AOP) that you can execute through the course of the year. Now that let us talk about executing the AOP to success,[link widoczny dla zalogowanych].
1. Execute to plan: Finalize all the initiatives that you are going to take as an organization for at least one calendar year from the AOP that you have created at the end of the year. Make sure that no initiative is started without an initiative document and each initiative has to be in line with the plan that is created at the beginning of the year. This is going to test you as a leader. It will test your consistency of purpose. If you fail and yield to the temptation of reacting and shooting from the hip the entire purpose will be lost and the company will stop respecting you as a leader.
Follow these seven steps along with your corporate dashboards you will certainly be able to get visibility, repeatability and even predictability into your organization.
2. Hire right: Hire enthusiastic people with the right 'attitude'. They have to be motivated and disciplined, the rest will follow. A Harvard research has found that 'attitude' to be the biggest factor for success among people.
The solution:
The trick to executing your plans/strategies to success is that everyone in the organization is oriented towards the goals or the strategic direction of the company. Think of your execution team as an US National Football team (NFL). The best teams have the coaches spend enormous amounts of time making sure that each player is prepared to do the small things correctly when it comes to their line of duty,[link widoczny dla zalogowanych]. From the offensive line to the quarter-back moving the right number of steps to the hand signals a water boy makes to the quarterback!
By Harsha Chaturvedi
See all Articles by Vantage AgoraGet Updates on InsuranceGet Updates on Vantage Agora Average: 0 Your rating: None Tweet
Author's Bio:&nbsp,[link widoczny dla zalogowanych];
The conventional B-school way of executing a plan is limited to only things like project planning tools, BI tools, or Insurance dashboards that are customized based on the needs of the organization. This leaves a void in both the tools and road-map for everyday business leaders. In the last five years of exploring and researching on this subject we have been told that executing a plan to success is more than science and more of an art! The fact that there is a business book called "What the witch doctors say" (a disgruntled saga of an author who believes that no strategy can ever be implemented successfully) tells us that there is really no prescribed way to handle 'the execution of the plan to success'. Another book called "Execution" points us in the right direction but does not go into the details how you should execute to a plan on a day to day basis. This is left to the individual leaders to figure out for themselves. Obviously all this is not is good enough. What we need is a dependable,[link widoczny dla zalogowanych], generalized approach/process for every manager can use to implement a plan on the shop-floor successfully.
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When you decide to invest in mutual funds or anything else, diversification is the best way to protect your investment. This is one reason why mutual funds are so popular. Mutual funds are an easy, inexpensive way to diversify your investments.

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has no shops selling money
head of a gleam of developers Shandong company also said, on the flow of sales staff from residential projects to commercial projects, mainly residential not previously sold well. Talk about from the sale of residential apartments and shops to sell, Ji'nan city a total of the sales staff Miss Cheung feel normal, "is this year did not sell shops selling residential earn more money."
shops citizen surnamed Zhao, 3 early in a property near Ji'nan Industrial Road to buy a house, because there had been in the hands of two houses, according to the Ji'nan purchase limit policy, he has been unable to buy the house. Having heard that the April Ji'nan city the new open market to raise commercial projects,[link widoczny dla zalogowanych], hurriedly come over to have a look, "I am a house that she sold me, I didn't expect to see 'acquaintance' here." Mr. Zhao said.
"Hey, you are not in the east of the property sold residential, how to sell shops here?" "I just came from there, good shops sell now, I come with a colleague, you need what kind of shops,[link widoczny dla zalogowanych], I help you introduce." This is a dialogue reporter recently in Shandong Ji'nan city a property shops from the scene heard.
Ms. Zhang said, if now houses still sell well, she will not be "job-hopping",[link widoczny dla zalogowanych], "I the original property,[link widoczny dla zalogowanych], every batch of houses,[link widoczny dla zalogowanych], a person can sell a lot of set. One of my colleagues,[link widoczny dla zalogowanych], last year because of real income,[link widoczny dla zalogowanych], tax declaration are carried out." Ms. Zhang said, now one of several months will not sell sets, which mainly rely on hold while they felt "depressed commission". Ms. Zhang said,[link widoczny dla zalogowanych], contrary to some shops selling this year and Residence Du Commerce counterparts, but are doing "moisture".
Shandong Ji'nan real estate company tells a reporter, at present the purchase of residential,[link widoczny dla zalogowanych], many funds to commercial real estate and part not to purchase apartments, with Ji'nan shops the value promotion, now a shop or price shops and residential phase.
now sell residential
The development of a corporate
Shandong Ji'nan Ji'nan market person in charge Mr. Zhang told reporters,[link widoczny dla zalogowanych], their most recent company by other developers "headhunt" serious, "a lot of people to engage in commercial real estate developers, including planning, consultants,[link widoczny dla zalogowanych], sales personnel are many." Mr. Zhang said.
this month has been selling shops
reporter recently in the market were interviewed to understand, this is not the case. In the residential market strong wait-and-see mood, residential turnover decline background, not only developers to speed up the development of commercial real estate, even the real estate professionals are flow to the commercial real estate project.
Beam manager
last month still sell residential
in the purchase of residential background, many property funds "by the housing transfer business". Reporter in the interview found, in the real estate market for talent,[link widoczny dla zalogowanych], also appeared similar phenomenon, many of the original in the residential sales staff in Ji'nan is also accelerating the flow to the commercial real estate project.
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Chen, this year 22 years old, about the scene at that time, she still be still suffering from the shock. She said: "at that time, stomach pain, but want to leave the toilet already too late."

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A
in order to enhance the closed-end management, ensure the safety of residents, Ji'nan City, a lot of new areas have installed entrance guard system. In recent days, many residents to our everyday 315 property rights hotline reflect, residential property in the name of security, mandatory owners, tenants and other foreign residents for access control card, and receive high management fees, very unreasonable, I hope the relevant departments to help implement and solve this problem. Area for the entrance card how to charge? This reporter conducted a survey.
reporter visits the discovery, for security reasons, many areas are equipped with high-grade entrance guard system. Residential property will generally give and get 3 free entrance cards, and rent tenants and foreign residents will be forced to pay for, otherwise it is difficult to enter the area. Access card management cost in general between 30 to 50 yuan. Many residential property explained,[link widoczny dla zalogowanych], these card costs are generally not refund. A property responsible person told the reporter, because residential more students, to ensure that residents and property safety,[link widoczny dla zalogowanych], requirements for access control card rent tenants for voluntary, not mandatory.
Shandong Chen Jing Song Zhenxiang law firm lawyers told reporters, at present the city for residential card charges have not a unified standard, so a lot of residential property to the private owners charges, which caused controversy, is the source of problems such as property management companies, some property developers move, some property belonging to the development.
card how much cost? Specializing in electronic door sales of Mr. Li told reporters, a set of access control system at a cost of thousands of yuan, a card at a cost of about 3-5 yuan. Many residents reflect,[link widoczny dla zalogowanych], although these access control card cost is very cheap, but selling prices for residential. An industry source said, access to huge profits for many property are racing to the horse gate guard system. He just such an account: a card at a cost of about 3-5 yuan, calculated in accordance with the 2000 community residents, access control system is the card cost million, according to each card charges 30 yuan count, total income of at least $60000 property.
some time ago, citizens Mr. Xue to buy a set of housing in the urban areas to the East New district. In check, residential property to a Mr. Hsueh free to send two entrance cards,[link widoczny dla zalogowanych], Mr. Xue and his wife one, and is smooth. Not long ago,[link widoczny dla zalogowanych], Mr. Xue has children,[link widoczny dla zalogowanych], then their help take care of children at home parents here,[link widoczny dla zalogowanych], did not expect trouble one day,[link widoczny dla zalogowanych], Mr. Xue mother because there is no access cards were prohibited, were told to pay 30 yuan for a temporary access card. A Mr. Hsueh angrily said, "to the parents for the temporary card to collect fees 60 yuan,[link widoczny dla zalogowanych], if the home to do other relatives? Even if the fees too expensive, not very reasonable." Similar to a Mr. Hsueh encounter,[link widoczny dla zalogowanych], Ms. Stone in a public area industrial road opened a nearby infant care, hired 5 foreign staff,[link widoczny dla zalogowanych], was the property requirements of pay for access control card. Then, the entrance guard system is broken, all access cards are all failed,[link widoczny dla zalogowanych], and fees are not refundable. "Property that how much money we have to pay much money, does not return, it was too overbearing."
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Chen, this year 22 years old, about the scene at that time, she still be still suffering from the shock. She said: "at that time, stomach pain, but want to leave the toilet already too late."

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2010, the provincial government has been awarded the "Shandong Province Financial Innovation Award", by the Committee awarded the "municipal civilized unit", was awarded the "new China 60 years hundreds of Shandong leader brand", "Shandong's most influential financial enterprises", "2009 Ji'nan financial industry's most brand growth enterprise" and other honorary titles.
2010,[link widoczny dla zalogowanych], Qilu bank comprehensively promote the implementation of the strategy of transition, taking the structure adjustment as the core, to reform as a driving force, close to the market demand,[link widoczny dla zalogowanych], improve the product system,[link widoczny dla zalogowanych], the innovation of marketing channels,[link widoczny dla zalogowanych], to strengthen the small and medium-sized enterprise and personal financial service, outstanding credit control policy and new loan regulations implemented, adhere to the characteristic, road of differentiation, continued to enhance the comprehensive strength. As of the end of 2010,[link widoczny dla zalogowanych], the total assets of the bank reached 82125000000 yuan, relatively on year increase 20390000000 yuan, an increase of 33.03%; the deposit balance of 65693000000 yuan, relatively on year increase 11038000000 yuan, an increase of 20.20%; the loan balance of 42153000000 yuan,[link widoczny dla zalogowanych], relatively on year increase 6877000000 yuan,[link widoczny dla zalogowanych], grow 19.49%; operating profit reached 1383000000 yuan,[link widoczny dla zalogowanych], a year-on-year increase 320000000 yuan, an increase of 30.12%; non-performing loan rate of 1.12%, down 0.87 percentage points over the previous year; loan loss reserve adequacy rate reached more than 721.63%; the provision coverage rate reached more than 346.39%; annual pay various taxes 512000000 yuan.
it is reported, in 2011 Qilu bank will adhere to the market positioning for small and medium-sized enterprises and urban residents service, with steady development as the theme,[link widoczny dla zalogowanych], in order to strengthen the risk management as the main line, to further adjust and optimize the structure of assets, liabilities, income, vertical tube strengthening risk and operating line comprehensive physical, improve service level and innovation ability,[link widoczny dla zalogowanych], the first bank to to set up small and medium-sized enterprises, urban residents.
5 journalists from the Qilu bank learned that,[link widoczny dla zalogowanych], as of the end of 2010,[link widoczny dla zalogowanych], the total assets of the bank reached 82125000000 yuan, up 33.03% over last year, a new record high; pay various taxes 512000000 yuan, making a positive contribution to the local economic development in Ji'nan.
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But because the three packs of provisions LCD, plasma flat-panel TV has not appeared, so the color of the three packs of provisions in the directory, only the "tube, the output transformer, tuner, integrated circuit" on TV "main component".

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"ship collision time occurred early in the morning, many people did not even clothes to wear, some people wearing only underwear with towel. There are some children >

seen the film "Titanic" people must colliding ship deep. On October 18th at four forty-five in the morning,[link widoczny dla zalogowanych], the end of South Korea Travel Costa "classic" back to Shanghai Road bank to the waters of the Yangtze River Estuary, the collision with the Belgian "Kroraina forever" cargo ship, the ship's experience as a film - like panic. Temporarily between, visitors rushed to the hall,[link widoczny dla zalogowanych], fortunately, the accident caused no casualties. In October 20th, the reporter contacted the Qingdao tourists on board the flight, he tells the story of the collision time thrilling moment to reporters.
Mr. Yang told reporters, "at that time, I found the boat into the water in some places, and some tourists soaked clothes. I asked at the side of the waiter, is it right? They have been in this situation before,[link widoczny dla zalogowanych], they have been shaking his head,[link widoczny dla zalogowanych], turned to change color. And they said, 10 years this is also the first encounter. Tourists although frightened,[link widoczny dla zalogowanych], but waiting in the service under the guidance of,[link widoczny dla zalogowanych], or is in order."
The scene impressed
A was asleep, suddenly a violent shake
hull being rubbed out big hole. (the tourists wearing life jackets waited in the lobby)
in the process of waiting, we listen to others to say is a collision. My brain immediately movie 'Titanic' plot, heart very nervous."
B if the ship sank, I swam to shore
October 20th afternoon,[link widoczny dla zalogowanych], contact reporters on the return of Qingdao tourists Mr. Yang, he joined together with friends of the luxury cruise trip, Mr. Yang recalled: "on the boat, we enjoy the food,[link widoczny dla zalogowanych], experience had never been exposed to high level of service. Back suffered a collision thriller,[link widoczny dla zalogowanych], the service on board 10 years of foreign service turned purple."
until slightly more stable, the waiter to command everyone waiting lifeboat. "On the ship service command, women and children in the front row, the man behind. We are waiting to board the lifeboat. The plot with the Titanic movie looks like,[link widoczny dla zalogowanych], we are more nervous."
"two boat collision time, I was still asleep,[link widoczny dla zalogowanych], suddenly feel the motion of the ship, the alarm sounded. I looked at the table, at a quarter to five o'clock. Suddenly,[link widoczny dla zalogowanych], I remembered the upstairs room wife, picked up my luggage and ran out. The stairs have dark and full of people, the elevator on the boat all stopped. I followed the crowd rushes to the 9 floor of the hall." In this process, Mr. Yang lucky to find his wife, "see that moment his wife, I am very excited. In the dark we don't know what happened. Shipboard alarm is ringing, broadcasting has been said, I do not understand English, then quickly put on a lifejacket seat in the 9 floor of the hall to sit down.
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But because the three packs of provisions LCD, plasma flat-panel TV has not appeared, so the color of the three packs of provisions in the directory, only the "tube, the output transformer, tuner, integrated circuit" on TV "main component".

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from the inspection situation, each city and high-tech zones closely around the "General requirements for adjusting the structure, turn way, on level",[link widoczny dla zalogowanych], take effective measures, increase the intensity of work, various economic indicators expected good, showing a steady recovery, industrial growth investment continued rapid growth, market consumption is relatively active,[link widoczny dla zalogowanych], key projects to accelerate advance, characteristics capital attraction effect is obvious. District City and high-tech zones on major economic data during the first half of the realization of rapid growth,[link widoczny dla zalogowanych], the first half of the year is expected to achieve a "double half of economic development".
in view of the existing problems and difficulties,[link widoczny dla zalogowanych], district city and high-tech zones,[link widoczny dla zalogowanych], the future will take a more active and effective measures, to solve the difficulties, key breakthrough bottleneck problem impeding the development of the economic development, to ensure that the expected goal of good and fast implementation. (Jia Zhen)
Qingdao economy "double half&quot,[link widoczny dla zalogowanych]; in the district and high-tech zone the first half of the year has a larger increase in
found in the supervision, the current economic development in our city there are still some problems and difficulties: raw material prices,[link widoczny dla zalogowanych], rising labor costs and other factors, some enterprises underemployment, decline in efficiency; improve the three national deposit reserve rate, corporate financing costs increase, projects and enterprises to expand the shortage of funds for production still outstanding; the impact of the European debt crisis, trade protectionism and increasing pressure on RMB appreciation, export situation is grim.
The main economic data
inspection group mainly listened to each city and key projects of high-tech Development Zone, the industrial economic operation,[link widoczny dla zalogowanych], foreign investment, domestic investment,[link widoczny dla zalogowanych], on-the-spot observation of key projects to promote the implementation of enterprise production and operation status, and key project funds to implement, output value of large project investment and production,[link widoczny dla zalogowanych], existing foreign account etc. problems and difficulties of the relevant comments and suggestions.
June 22nd to 25 days, party inspection room,[link widoczny dla zalogowanych], city hall and rooms in the city development and Reform Commission, the City Commission by letter, Municipal Bureau of Commerce and invited by the Municipal People's Congress, the CPPCC,[link widoczny dla zalogowanych], the media composition inspection team, to our city and district, Qingdao High-tech Zone on-site inspection of the economic development of the first half of.
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But because the three packs of provisions LCD, plasma flat-panel TV has not appeared, so the color of the three packs of provisions in the directory, only the "tube, the output transformer, tuner, integrated circuit" on TV "main component".