Santa Claus Corporation Challenged Due to N1H1 Flu Shot Delays

Due to the huge lines for Flu Shots at the North Pole all the elves working at the Santa Claus Toy Factory are far behind schedule. The company has asked for assistance from the White House, but seeing as it is only a US Territory, not an actual state, they are not a high priority. And due to the fact that Christmas is no longer politically correct, this has been challenging for Santa Claus Corporation.The long lines are taking their toll on everyone. The elves have had to take off work and stand in the -40 degree cold to get flu vaccinations. Now many of them are catching a cold, and 50% of the workforce has called in sick. “We’re falling way behind, we are not going to be able to meet the Christmas deadline,” said the production manager at factory 9.

Things have gotten much worse now. And the CPA from Santa Claus LLC stated; “We are not going to meet our financial payment obligations, and commercial credit is too tight; the bond market is not good here at the North Pole. Our shareholder value and stock has plummeted, our credit rating is the lowest since the depression, when my grandfather was the accountant back when there were only 3 buildings at this site.”If the Corporation cannot get interim financing. It could have trouble meeting its quota for toys this year, and parents are worried because there have already been reports of lead based painted toys in Los Angeles on the shelves of toy stores. These are all very serious issues this Christmas season.

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Business Drivers Behind the Online Spreadsheet Boom

Last night, a factory manager in Singapore stared at his Dell Latitude waiting for his master inventory to be updated by his supplier in Korea. Meantime in Seoul, emails are frantically exchanged among inventory clerks at three factories to produce a final document.

Yesterday afternoon a CFO submitted financials for the Quarterly Board report. This morning his admin found out the most current HR data was on HRversion5.xls, not on HRversion4.xls that he used.
The National Sales Manager finally received monthly forecast spreadsheets from six Regional Managers, who each collected spreadsheets from their respective sales teams. Even though it took two hours to painstakingly combine all the data, cut & paste errors produced an overage of more than $1 million in forecast revenue.

Business Transformation 101

How can events like these keep recurring? Don’t companies spend billions of dollars each year in IT infrastructure to coordinate such things? Don’t core business systems include applications to control manufacturing, inventories, sales activity, and finance?

Of course they do. And the open secret is this: they don’t work. They can’t.

The makers of ERP, Supply Chain Management, CRM systems and the like have focused on management of the internal functions of the enterprise. In many cases, they’re just not applicable to the way business is done today. Tom Friedman helped describe a new borderless globe in The World is Flat. There is now little dispute that the primary locale of business conduct is outside the four walls of the mother corporation and disconnected from the infrastructure meant to manage it.

Employees in home offices, vendors based overseas, and field sales teams scattered over five continents must function and interact while disconnected from their respective corporate IT assets. By necessity, they improvise. They use the tools they know and the tools they have in common.
What began as stop-gap workarounds have now become de facto standards for intra-company and intercontinental business. Outlook and Excel have become the functional core applications for 21st century collaboration and productivity.

So what’s the problem?

Excel was designed as a personal productivity tool, but is now relied on as an enterprise-class application performing as the lynchpin to the “flat world”. Every week, millions of Excel spreadsheets circle the globe launched from Starbucks, airline lounges, and office cubicles. For internal applications and data, Corporate IT enforces security, version control, user rights, backup and permissions. But Excel is out there. It’s on nearly every computer worldwide and can be created, edited – and thanks to email -exchanged wherever, and whenever, there’s a WiFi connection.

Email can be a double-edged sword. Over the past 15 years, it has become an indispensable, universal communications tool. It’s the number one method for file transfers – whether a daily cartoon, pdf, YouTube movie, or Excel file. It’s convenient, universal, and instantaneous. And although it’s a key component of the Excel workaround, while helping solve one problem, it creates a host of others.Control: Once you click send, the file is no longer under your control. What could be (and probably is) sensitive corporate data is in the hands of people you can only hope are trustworthy.
Time Email is sequential. If you need input from multiple people, you are dependent on them opening, contributing, and resending the document in a timely manner. Which person in the chain has it now? How are they progressing? When will I get the file back?

Responsibility: So who changed what, why, and when? Are you working with the latest version or is someone else out there making further edits? And with the looming presence of Sarbanes Oxley, tracking the formation of the work product is now a corporate imperative.

Safety: There are good reasons a company spends millions of dollars on security for its servers and its data. In the wrong hands, company secrets can be divulged or employee information can be compromised.

Email and Office applications have come a long way in the last 20 years. But business imperative notwithstanding and despite the dependence on these technologies, by themselves in their current state, they represent a band-aid, not a breakthrough.

Community

The concept of “community” is not new. The idea of two or more people bound by a common interest can be traced to man’s earliest endeavors. More recently, and thanks to the growth of the Web, thousands of “communities” have sprung up to serve people with specific hobbies, interests, or political leanings.

The advent of Web 2.0 technology has led to hosted communities where members can interact with people of mutual interests. Sites like My Space and Facebook were among the first to exploit the Internet community concept. For the most part, these sites are geared toward consumers and individuals who interact in their personal time. But what about business? Is the concept of community relevant to them? Absolutely – in spades!

The supplier in Singapore that ships product to the factory manager in Omaha is, along with the COO at New York headquarters, members of a community. Their common bond is the mission of producing a product on time and on budget. Their communication link includes telephone, fax, and email. These kinds of ad hoc relationships may not feature the formal label, but they are communities none the less. By necessity and custom, communities are a fact of business life. As they continue to proliferate, the challenge of exerting control and maximizing productivity becomes a primary pursuit.

Managing Communities

Managing the concept of community is emerging as the Holy Grail for taking command of the new business paradigm. The billions of dollars invested in traditional IT infrastructure – the sophisticated application suites, bullet-proof security, and armies of IT professionals – are impotent in extending benefit and control to the dispersed workforce and communities.

The prescription for a breakthrough in online business community management must focus on several key issues.

Security: Once you email a file / document, you no longer control its distribution. It is permanently in the possession of the receiver who can do with it what they will; today, tomorrow, or next year. Your company’s intellectual property is now one click away from being in the public domain.

Collaboration: Often, many people are needed to contribute to a given project. This is especially true for spreadsheets. Waiting for a response from a sequentially forwarded email to 12 people is not collaboration; it’s more of a chain letter.

Conformance: Collaboration, communication, and productivity are unlikely results if a community works from different tools or applications. Microsoft Office products are on more than 400 million computers around the globe. Excel is the gold standard of spreadsheets and is used by 9 of every 10 businesspeople in the world.

Innovation: Today’s communities have different needs than their cubicle-based predecessors. Ideally, the community structure would not only accommodate, it would provide productivity features not currently available either in native Excel or in corporate applications.

Defensive Proactivity: On the surface, an oxymoron; but regulations and accountability are realities to be faced head-on. Where is the documentation of who changed which cells, and when? A solid, auditable paper trail is an absolute necessity.

SaaS Why do people need Software As a Service? Because they want instant real-time applications. The SaaS concept is the keystone to delivering online communities. Security and always-available information are managed for community members with centralized control.

Online Secure Storage: The only way to have one current version of the truth is to have one current document everyone accesses. And without the file residing on any one personal computer, the data will never be compromised or lost.

eXpresso

eXpresso is software infrastructure that adds a shareable dimension. It is a Web 2.0 hosted workspace for Microsoft Office applications. The first offering is for Excel spreadsheet management and collaboration in secure, structured business communities. eXpresso was developed on the principles and criteria mentioned earlier in this document.

eXpresso users include small workgroups, cross-enterprise project members, and dispersed sales teams. Corporate financial departments and compliance experts use eXpresso to control the gathering and reporting of accounting documents.

There is no attempt here to detail all eXpresso features or contrast it with alternatives. An interactive product tour is available at eXpressoCorp.com and interested parties can try eXpresso for free. Sample highlights:­ Create or edit Excel spreadsheets online in real time
­ Store Excel spreadsheets in a secure, encrypted central repository
­ Collaborate & share spreadsheets with individuals & groups
­ Assign or revoke View, Edit, Download, or Copy privileges
­ Compare cell & formula differences between spreadsheets with one-click

Why Excel?

One of the conspicuous differences between eXpresso spreadsheet management and online alternatives is the eXpresso support for Microsoft Excel spreadsheets. Many of these other products promote an online alternative to Excel. Competing with Microsoft for a share of the office application market is certainly ambitious. But there’s little evidence people want a new spreadsheet; what they want is a shareable dimension to the one they already use.

Today’s mobile, dispersed workforce faces communication and productivity challenges (as described earlier) that have little to do with merits of specific spreadsheet applications. The real problem is a lack of structure to serve the millions of communities that already have a spreadsheet they like: Excel. Offering a generic spreadsheet with reduced functionality does nothing to improve collaboration or support business communities.

The commitment to support Excel users is grounded in three tenets at the forefront of eXpresso philosophy.

1. There’s nothing wrong with Excel. In fact, it is arguably one of the most reliable applications in the world. And, a spreadsheet application can’t be instant if it isn’t Excel – if you have to learn something new, it isn’t instant.

2. The second reason can be described with a number: 150 million. That’s the global estimate of Excel business users who are prime candidates to become immediate eXpresso users.

3. Beyond the raw numbers, Excel has been entrenched as the spreadsheet business standard for many years. People know it, like it, and use it.

Conclusion

The traditional structure of business is rapidly becoming obsolete – driven by fundamental shifts in the way people work, the way organizations interact, and the disappearance of conventional constraints of borders and time zones.

One of the ways to accommodate change is to formalize and apply structure to naturally occurring communities of like-minded businesspeople. The Web 2.0 concept is a vital foundation and enabler for using the Internet to deliver community management and specialized application services.
Offerings in the online services arena will continue to grow. In the spreadsheet market specifically, potential users will gravitate toward the service that delivers universally valuable features.

Outlook and Excel are registered trademarks of Microsoft Corporation.

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Liquid Assets: Selling iPhone 3G Parts to Finance a New Smartphone

When it comes to figuring out affordable ways to upgrade your iPhone model, sometimes it might not seem obvious to sell a last-generation phone in order to afford something newer. This is particularly the case when it comes to people who are dealing with broken or worn-down phones, ones that might not immediately attract high bidders on eBay or even warrant an email on Craigslist. But the fact of the matter is that a lot of different businesses make a living repairing broken iPhones, and that most of the time, it’s far more affordable to purchase iPhone 3g parts from people selling their old devices independently than it is to deal with the stress and higher costs of ordering factory-made pieces for repair purposes.

So anyone out there who really wants the latest model–and who can blame that kind of attitude, given the amount of attention that Apple puts into launching new products that manage to blow older generations out of the water–look towards selling old phones as the best way to afford the latest innovation. With so many different people in need of iPhone 3G parts, there’s no reason that any model that might have a cracked screen or a defective battery cannot still result in a significant chunk of cash. And depending on the problem with the model, there is often no reason whatsoever to be concerned about whether or not there are still salvageable parts. For those who aren’t tech-savvy, it’s tough to figure out whether or not something is still worth anything, but the fact is that unless a phone has been wrecked beyond repair, the pieces inside of it are still incredibly valuable for anyone who needs to fix up another device without spending a ton of money on ordering directly from the factory itself.Of course, for those who aren’t particularly savvy with a screwdriver, deciding to sell your smartphone for iPhone 3G parts doesn’t mean actually disassembling the device personally. It only means taking the phone to someone who might value it for what it can become, rather than what its current state might be. This might mean steering clear of Ebay, where it’s tough to get a good deal on a defective old-generation smartphone, and instead looking towards the various internet pages and forums that focus more on repairing other devices. It doesn’t take very long to poke around Google for better places to sell a phone, and that little bit of research can often mean the difference between making a significant chunk of money or getting stuck with less than what a device is actually worth, even if there happen to be pieces that don’t function quite in the way that they should.So when Apple and company decide to roll out a new model that automatically makes all other devices look a little bit behind the game, don’t despair because you can’t simply trade in a last-generation phone in a shop for money to purchase the new one. Instead, look towards the numerous places that are looking for smartphones not to use them immediately, but rather, because they are in need of iPhone 3G parts. This is a great way to turn an outdated and defective phone into some quick cash that can go towards a new, fully-functioning model.

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Who May Qualify For Mobile Home Financing – Mobile Home Loans?

Manufactured homes have come a long way since their “trailer” days. These affordable, factory-built homes offer more quality and style than ever before. New homeowners can virtually custom design their homes with the seemingly endless list of options available.

Over 22 million people across the country have decided to make a manufactured home their way of life, and by the time you finish reading this article, you may make the same decision.

Several national mobile home lenders have mobile home loan programs available that offer financing to qualified applicants to purchase a new or used mobile home, or, to refinance an existing mobile home. Mobile home loans that are offered for homes that are on rented land such as a park are called “chattel mortgages” and mobile homes that are situated on their own land and the lender is financing both the mobile home and the land together is a real estate mortgage. Interest rates are typically higher and loan terms shorter for chattel mortgages since the lender is not securing the real estate with the mobile home.Typical mobile home financing guidelines to keep in mind:

o Down payments as low as 5% for mobile homes that are in mobile home park’s is available.
o Typically 3 years of employment is required.
o Minimum credit scores of 600 and above, possible exceptions available when purchasing new mobile homes and putting a cash down payment of 40% or more.

o Debt ratio’s generally cannot exceed 45% for all debts and 34% for housing, this includes the lot rent if the mobile home is in a mobile home park.
o Mobile homes must be built to HUD standards.
o Loan terms up to 240 months for used mobile homes and 300 months for new homes.
o Secondary/Vacation home loan programs are available, although lenders will require a down payment of 20%
o A mobile home lender will calculate the value of the mobile home by using a book value or an appraisal.

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