Month: July 2018

Rejuvenate Your Face With a New Generation Anti Wrinkle Face Moisturizer

I don’t know about you, but I’ll bet that… most people would like to reduce wrinkles, revitalize and also rejuvenate their face. A new generation anti wrinkle face moisturizer cream shows that it can do both!

A few moths ago a new range of innovative anti-aging, anti-wrinkle skin care cream products were released onto the market. This small New Zealand company already recognized for many years for their superior range of natural supplements, has come up some great new generation skin care products.

Their anti wrinkle face moisturizer not only helps your own body produce collagen and elastin proteins to help in the reduction of wrinkles. Its ingredients at the same time can fully moisturize your skin using natural moisturizers and emollients.

How they accomplish this is by using new cutting edge clinically proven patented technology, that allows natural keratin to be converted into functional keratin TM that then penetrates through your outer skin layer to stimulate your own body to re-grow collagen and elastin proteins. This enables new skin cells to be generated resulting in a thickening of your skin and a reduction of wrinkles.

The substance containing the functional keratin TM ingredient is called Cynergy TK TM. However, there are many other powerful ingredients contained in this new generation anti wrinkle face moisturizer cream as follows.

Nano-Lipobelle H-EQ10 a special nano-emulsion form of CoenzymeQ10. It can also penetrate deeply through your top skin layer (epidermis) and reach down to your collagen and elastin matrix. The CoQ10 then stimulates the collagen and elastin proteins to re-grow boosting their level and volume.

Another natural ingredient Phytessence Wakame – An antioxidant derived from Japanese sea algae. It inhibits hyalurondase a harmful enzyme that breaks down hyaluronic acid that causes collagen and elastin fibers to lose their glue. It moisturizes and smoothes your skin and is proven to increase skin elasticity and helps heal irritated and dry skin.

The objective of most moisturizers is to hydrate, smooth and help protect sensitive skin. Natural moisturizers should include essential oils, emollients and antioxidants like; Avocado Oil – A deeply penetrating oil, valued for its moisturizing and healing properties – It’s also rich in vitamins A, D and E.

Macadamia Oil – It contains palmitoleic acid that is beneficial for your skin. Macadamia oil has the ability to penetrate damaged skin, replenishing oils lost during the day. It is also proven to be easily absorbed into the skin to protect skin cells from aging.

D-Panthenol – It is a pro-vitamin, emollient and moisturizer. It helps repair skin tissue and protects your skin against sunburn.

Finally, The above are only some of the natural ingredients that contribute to a good quality anti wrinkle face moisturizer. The best results can be gained by implementing an anti wrinkle moisturizing regime, including using a day and night cream daily, plus a hydrating and cleansing mask each alternate week.

Visit my website, to see which natural safe cutting edge anti wrinkle face moisturizer products, I now chose to use on my skin every day.

Two Pairs Of Eyes – West Africa – Perception Of The New Generation and History

West Africa was unexpectedly rapped, parcelled and alienated with the catchphrase” acquire what you can but do not fight about it” Colonization had begun. The British Gold Coast was established in 1821. Before then the West African youth was happy, the greatest gift in life.The British detained privately owned lands at the coastal regions as well as the Danish Gold Coast in 1850 and the Dutch Gold Coast and Fort Elmina in 1871. By 1901, the Gold Coast was a British colony. The Gold Coast (Ghana) assisted the British in battles in World War 1 and 11 in Cameroon and in the East Africa campaign respectively as well as granting Ghana independence.

Economic and social development

In the twentieth century the British administered the Gold Coast. They maintain that there was significant progress in social, economic, and educational development. Communications improved because the Sekondi-Tarkwa railroad, which began in 1898, was extended to connect important enterprise centre’s of the south, and by 1937, there were 9,700 kilometres of roads. They initiated Telecommunication and postal services. There was an economic system in which, the British controlled the country’s trade and industry. There were no industries which was a social system in which the developing nations needed in order to survive. There was no answerability.

The Gold Coast (Ghana) was not mechanized and had to depend on the industrialized countries. Britain and the Western European countries who took Ghana`s riches were regarded as built-up countries together with the recipient of the Triangular Trade, America. Ghana was branded as Non-built-up country. It was a term applied, to include Africa, Asia, and Latin America which were formerly colonized. American collaborators identified themselves the First World and the Eastern nations were acknowledged as the Second or the Third World. The Third World countries that produced oil were Gabon, Algeria, Iran, Kuwait, Libya, Oman, Saudi Arabia, Venezuela and Nigeria. No one characterized them as third worlds except Nigeria. These countries gained economically because they could raise oil prices whenever it suited them. They were aware of the fact that the industrialized world was dependent on oil. The Oil producing countries were the (OPEC) countries.

Definite countries produced essential raw materials such as Jamaica, Australia, Guinea, and Sierra Leone. Chile, Peru, Zaire and Zambia who produced copper were not cost-effective as in oil, because, the industrial world depended on oil rather than copper. The countries that produced cocoa, coffee and other foods, such as Brazil, the Ivory Coast, Singapore, South Korea, and Taiwan had some economic gain whilst countries such as Ghana gained less from its export of cocoa. However, EEC assured reasonable income for countries with agricultural products but Ghana had not profited by it despite the British inheritance.

However, the general state and manner of survival in Ghana was not branded by adversity and distress. General public dealt effectively with their struggles and situations. They tried to make noteworthy commendable improvement and inspiring achievements. Agriculture, farming and crop growing were in improvement. Although they did not have advanced technical and scientific aid, because the British left the country to its own strategy there were cattle’s domestic animals, farm animals, hoes, cutlasses and machetes; their ability to function was tolerable. For the young generation it was clear that poverty was not merely a subject of riches but sustainable farming. Nobody was starving; they did not have access to communal services but they had shared meetings. They were not ill-treated; there was no aggression inside and outside their families. The young generation tried to surmount their problems through the guidance of their families, elders and chiefs and attuned to circumstances in response to their smallest requirements.

The young generations were physically powerful and their spirits could put up with the Europeans who entered their region in great numbers. There was no famine in the region and the citizens were, not deprived of their basic needs. The nation was not decomposed like poor figs.

It was basically in the light of the young generation who lived in it and knew what they needed to survive and, to develop a lifestyle familiar to them. There were overwhelming twists and turns in every human life irrespective of inheritance, something that was handed down, or remained from our ancestors in the course of human developments. The young generation in West Africa knew that it was all about ability and the moment of nature’s performance and timing. No human being could envisage or anticipate the activities and consequences of the works of natural world. Human beings are, expected to see what humans see. To expose something that is concealed or kept secret by nature can under no circumstances be seen.

The new generation in Ghana, more distant from what went before World Wars, colonialism and violence did, not take part in those severe miseries. Thus they did not realize the mental suffering, physical and psychosomatic pains in the lives of those men and women. In the minds of the Ghanaian young generations they feel, it is because of the dreadful insincerity of perceptiveness, dissimilarities and decisions, as a substitute of taking concern of our planet earth. The unset of Global warning was present but no one noticed because Europeans acquisition of countries.

The young generation identified the silhouetted of shortages that gloomed the people who lived in many provinces. Commanding rule was not the way out. At the back of the mind, row upon row the scars of colonialism was too deep. The young generation of West Africa today have learned how much colonialism had altered their everyday lives. It took bravery and submissiveness to live in the colonies. Their only salvation was for the older citizens to obey to the commands of the juvenile Europeans. Many citizens died out because slavery and fears were planted in their off springs. The new generation that followed them lingered behind in progress and development of former fundamental importance. The way colonialism had to handle Ghana was to acknowledge their common background, traditions, Diasporas, tribal ties, way of thinking, insights and understanding, perspective and source of revenue. Obviously, how could they have accomplished and bring about all these.

Cacao was introduced in 1878 an boozed the nation’s economy in the 1920s because when disease wiped out Brazil’s cocoa trees By the end of that decade, the nation could export more than half of the world’s cocoa supply. Export of timber and gold increased but in 1890s gold mining remained in the hands of Ashanti Goldfields Corporation because of better technology, and up-to-the-minute modes. The European mining companies and the colonial government accumulated much of the riches. Returns from export of natural resources financed domestic improvements in road and rail network and societal services. Educational structure, Achimota College which, was ahead of its time in West Africa resulted from these sells overseas revenues. The first University College of the Gold Coast was opened in 1948. Guggisberg was the governor. Technical school and teachers training college was established at Accra in 1909 and missionaries set up secondary schools.

Natural resources such as gold, metal ores, ivory, diamonds, timber, pepper, cocoa, bauxite, manganese, grain were shipped from the Gold Coast by the British. In addition the Akosombo Dam built in 1965 on the Volta River exports hydro electricity to the neighbouring countries. The British built a railway system and a complicated transport infrastructure in modern-day Ghana. We, the young generation never benefitted from these services except some tradition Hospitals and Schools as reward for the Ghanaian produce exported. It answers some of the questions why Africa with all its assets never developed and why there is poverty. However, by 1945, limitless demands for sovereignty by the Gold Coast population were beginning to arise, in the wake of the end of the Second World War and the beginnings of the decolonization progression across the world.

In modern Ghana,oilfield containing up to 3 billion barrels (480,000,000 m3) of light oil was discovered in 2007. Exploration is ongoing and the amount of oil continues to increase. Although, Unsuccessful economic policies of the earlier period led to inflationary arrears financing, downgrading of the Cedi, Ghana remains one of the more cost-effectively sound countries in Africa. In July, 2007, the Bank of Ghana introduced a currency re-denomination exercise, from the Cedi (c) to the new currency, the Ghana Cedi (GHc). The transfer rate is 1 Ghana Cedi for every 10,000 Cedis. In 2008 the currency was stable, Exchange rate of $USD=1.1

As the country developed, and succession of unfairness’ arose in the country, government power was transferred from the British to Ghanaians. It was through students who school worked in Britain that Ghanaian leaders gained the means and the desire for self governing.

EDUCATION IN ENGLAND: The University was, approved its first written announcement unfolding the privileges of the School in 1836. There were two institutions of the University, the University College of London and the King’s College. They were, founded in 1827 and 1829 respectively, the St. Bartholomew’s Medical School Hospital was part of Queen Mary and St. Thomas Medical School Hospital was part of the King’s College in London. London University operated as an examination body for the Colleges. After 1858, its degrees were available to the United Kingdom and the students studying by far-off or learning all over the whole wide world. It was an External bargain.

In the nineteenth century it was not only a body for examination but centralized Teaching University.It also kept an eye one educational excellence and course contends of the academies. In 1878, the University was first to declare women into its confines. From 1888 women began to be instructed at the university. The women who were accepted, and who went all the way through full courses in arts and science, received BA (Bachelor of Arts) and (Bachelor of Science) degrees, respectively. The university had more than 4000 students, which, was greater than Oxford and Cambridge Universities combined. Thus, it was the fifth largest university in the United Kingdom and in the world. Countless overseas students had occasion to be trained in politics and law, which benefited them to return to their individual countries with the knowledge they had receive to run their own. As to whether or not they, managed, reasonably and resourcefully were, based on each individual’s objectives in life. The University attracted worldwide attention in the British colonies. Britain made an effort to recommend hopefulness to people as well as deep human amnesty and deliberation of freedom from strife and continuing elimination of wishes aimed to hurt people through a new war. Britain thus, built up strong opinion for human right and fair management. Britain made Laws based on the ethics of fair dealing, sympathy for the viciously treated and the readiness and capability to put up with religious practices and racial broad-mindedness thus, England was a place of possible hope for all students all over the globe to obtain knowledge.

Schools and the colleges were designed for students who had to work in order to pay for their college tuition. Britain had put in order students from all over the world a wide range of learning opportunities to those over school age. There were courses conducted in the evenings only and courses conducted during daytime only or both day and evening and had been maintained ever since. There were many students who worked and paid for their own tuition when they attended those courses. Thus, educational opportunities were for everybody, part-time or fulltime.

Retrospectively, it was all in full swing when Portugal occupied Ceuta. Portuguese and Spanish navigators had explored the Americas and the African coasts, the Middle East, India and East Asia. Britain, France and the Netherlands, established their empires around the world and there were competitions amongst them. At the end of 18th and the beginning of the 19th century, colonization accelerated however, Portugal lost his colonies. England began to liberate its colonies, it was declaring Egypt and Iraq self-government in 1922 and 1932 respectively; they lost India, Ceylon, Burma, Malaysia and Singapore, and India in 1947, Ghana in 1954, Trans-Jordan and Palestine in 1946 and 1948 in that order. Italy departed from Libya in 1951. France lost Syria and Lebanon in 1946, Indochina (Vietnam) in 1954 as well as Laos and Cambodia. France also lost Tunisia and Morocco two years later. The Netherlands left Indonesia in 1949. Many sub Saharan regions and Madagascar including Ghana, Malawi and Zambia were preparing for liberation from colonial rule. Portugal intended to liberate Angola, Mozambique and Belgium was to liberate Zaire (Congo).Thus, people from different regions with different cultures, languages, religions, different up-bringing, different societal make- ups had to leave their fatherland into European societies.

The world’s poor and disadvantaged countries incurred immeasurable financial amount outstanding yet to be paid by weak countries to global monetary institutions, business-related, district expansion banks, and the governments of industrial countries. It is without a doubt one of the greatest hardship against the annihilation of global poverty. The burden of international debt prompted and prevented countless countries from developing and, to provide a minimum standard of living for the general public. This spending money is used to repay creditors and loans. Thus, education and healthcare which are of essential significance for developments are discontinued. Innumerable afflictions plague the world’s poor and disadvantaged. The financial debt owed by Underdeveloped countries to international financial institutions, commercial and regional development banks, as well as to the governments of developed countries, is undoubtedly one of the greatest of these hardships, and a tremendous force effective against the eradication of global poverty. Due to the burden of international debt, countless countries are prevented from developing, and from even providing a minimum standard of living for many of their citizens. This is not only because much-needed money is being sidetracked from domestic spending to repay creditors, but also because of the stringent conditions attached to certain loans. These conditions require countries to cut spending on social services such as education and healthcare- two necessary elements for development. Regardless, some still believe that the debt must be repaid. The underlying principle behind this position must first be addressed and outlined prior to discussing the reasoning for cancelling the financial debt of the world’s poorest countries. Innumerable afflictions plague the world’s poor and disadvantaged. The financial debt owed by underdeveloped countries to international financial institutions, business and regional development banks, as well as to the governments of developed countries, is undoubtedly one of the greatest of these hardships, and certainly a tremendous force working against the eradication of global poverty. Due to the burden of international debt, countless countries are prevented from developing, and from even providing a minimum standard of living for many of their citizens. This is not only because much-needed money is being diverted from domestic spending to pay off creditors, but also because of the severe conditions attached to certain loans. These conditions require countries to cut spending on social services such as education and healthcare- two necessary elements for development. Regardless, some still believe that the debt must be repaid. The rationale behind this position must first be addressed and outlined prior to discussing the reasoning for cancelling the financial debt of the world’s poorest countries.

Many countries felt quite euphoric at being free from colonialism, the new generation of free youth. Poverty had begun but citizens were unable to envisage it because it was sinister in coming. The euphemism of being self-governing blinded them. There was wealth to enjoy however; there were slums, malnutrition and disease to overcome. Population in Gold Coast was estimated to be 2.5million in the 1948s, Accra remained the capital and in 1957 the Gold Coast Colony became independent state of Ghana. The population in 1990 was approximately to be 953,500 in Accra.

In Ghana, the young generation migrated to Britain long before independence and from Belgium Congo to Belgium. Immigrants from Cape Verde, Angola, Mozambique, Guinea-Bissau, Sao Tome and many other regions saturated Europe. People migrated from India to England in 1945 and 1950s, and from Pakistan, migrations took place from 1947. There were many gallant students, their courage most resolute, their devotion to country and family, unquestioning. The students had the imaginative notion that by sacrificing themselves in leaving their parents and homelands to a foreign country, they would create a world of sweetness and light for their parents and descendants to inhabit. There were host of reasons why countries mired in miseries to such an extent that people became deficient in every facet of livelihood and the young generation with clear vision, creative and innovative thinking needed a fresh beginning. To scores of people, Britain in 1950s was a cornucopia of education and opportunities. English was, spoken worldwide. United States of America had already gathered its share. They spoke English because they were English.

The young generation was thoughtful and was weighed down by anxieties both large and small because of colonialism. Most of them felt that they were persons whom, life had battered, and who had such an ordeal, that every blow and every snub made a wound and panic. Life had constantly snubbed their good intentions. At certain periods in their life’s they gave way and lost hope. They did not have any imagination to devise ways for a better life. They had to keep the promise they made to their families and to return to Africa as educated persons to help the development of the country. Some did return others not.

In retrospect, the British erected schools and outdated schools mainly in Accra, the capital, Kumasi, the second capitals whereas the majority of towns were left untouched. Today, the majority of British buildings are obsolete. In comparison with the industrialized world, it may seem today that the British left the colony in a deplorable state. They did not. West Africans failed to take care of what was left for them because of financial teething troubles.

My mother’s passing away robbed me of a deep and invaluable stabilizing presence. Growing up, I discovered, was a beneficial experience and provided me with a relief because of my ambitions and open expression of my strong feelings. My parents had learned from wars and miseries amongst humanity and the adverse effects of colonization. My family was not judgmental and their cultures were, interwoven with every human being which was really an eye opening and humbling experience to understanding of the world we lived in. In West Africa, the family devoted themselves to each other. No one was at the end of his or her tether; we, the children of four were never at the limit of our patience or endurance, and we were never at the end of our ropes. Thus, we could understand why the Europeans felt themselves different than the West Africans, especially if nobody made an attempt to understand the way others think, their behavioural patterns and culture.

Not everyone had the opportunity to attend school because of financial difficulties, but those whom the chance of attending school to study with caring locally trained teachers, loved to go to school. The teachers understood and embraced the unique ways in which children think and learn. The unique education provided the school children all the benefits of a nurturing environment. The children flourished and felt at home. The children had freedom to think creatively and to explore new ideas because; the teachers motivated them to learn conscientiously for a better West Africa after colonialism.

Because of World War II decolonization began, West Africans and other nations began to send youthful West African students to Europe for supplementary schooling. There was peace and harmony and the traumatized decolonized humankind began to see light after wars and turbulence. A new era arose; it was a doorway to prospect without dreads and discomforts. During that period, there were travelling activities from British colonies to the United Kingdom. Britain accepted African students. There were by now African slaves brought to the United Kingdom in 1760s. They were about 14.000 according to my grandparents but by 1772, their importation to Britain stopped and the number of slaves declined. In 1939, before the strong earthquake in Ghana, and in 1945 many Africans got employment as seamen and shore workers; others hid themselves in ships and sailed to Britain without papers, capital or personal belongings. African students studying in Britain increased and migrants from many British colonies followed after 1955, the number accelerated.

Ouagadougou: the country was subjected to uninterrupted conflict between 16th to early 19th century. The citizens were burnt out. However, with the arrival of the French, Ouagadougou, the country just above Ghana, was liberated by the French in the beginning of the 19th century. The chief Samori Ture was expelled by the French thus; it was part of French West Africa. However, they gained Independence from the French in 1960.The country was renamed Burkina Faso in 1984.

.Benin: In 1625 there were slave traders, the Fon, established Dahomey and conquered the neighbouring towns and villages of Dan and Allada and extended their imperialism as far as in the vicinity of Porto Novo. France established a trading post in 1857 at Grand-Popo. The French advanced to capture because of dispute against slavery in Dahomey In 1892 Dahomey was in the hands of the French, a protectorate and was sucked up into French West Africa in 1904. It was not until 1960 that they gained Independence from the French. The citizens renamed the country Benin.

Cape Verde: Portuguese took ownership of the colony in 1462. The Portuguese also had custody of Guinea. There was a quarrel of the emancipation of the settlement and the mainland Guinea. This consignment was intolerable for the Portuguese in 1975. They awarded the two countries independence with the view that the two countries could come together under a new state of Guinea-Bissau. Cape Verde came apart as sovereign republic in 1981.


In the 13th century the area was under the sway of Islam. It was not until the 18th and the 19th century that the British and the French were conscious of the condition. The British and the French became responsive of the circumstance but the British took control of the region, it became British dependency in 1888. Gambia achieved independence in 1965.


The young generation, more distant from former colonists are of the opinion that foreign settlers in Africa have in one way or the other cemented the financial system in West Africa. European colonists exported unprocessed supplies to be produced in Europe. Fabricated produce were brought back and put up for sale in Africa. This coordination made available mechanized nations in Europe with inexpensive unprocessed substances to increase their Cost-cutting assess. West African raw materials included cotton, crude oil, and minerals and cocoa just to mention a few and in return machineries, electrical paraphernalia, and textiles and fabrics to point out the minority. All previous Settlers were trade collaborators of their earlier colonies in West Africa. As one would expect, it would be impracticable to try to be at odds with the cultivators in industrialized countries. It would mean freezing the hand of one who nourishes you. Worldwide trade laws should favour industrialized states. They have higher outlay of manual Labour, employment and levies.

Colonialism has come and gone but the new generation in West Africa; more distant from the World Wars and colonialism are suffering because of unemployment, lack of health care; education and poor infrastructure. Their sources of revenues on their farms are tarnished and their human dignity stained. At the back of their minds and row upon row the scars of colonialism still linger. Colonialism altered their everyday lives because most of their grandparents, from whom to learn from, died and insecurity became the only comparative way of survival. They are behind in development of fundamental importance and lack of leaderships even though, many were educated overseas and decades have elapsed since colonialism. The way colonialism ought to have handled West Africans was to acknowledge their common background, traditions, Diasporas, tribal ties, way of thinking, insights and understanding, perspective and source of revenue but, nothing was organized. Unemployment today has led almost every youth to travel overseas for a better way of life and to support their families but deep in their hearts they wished the country could have developed. It would have saved them from travelling overseas.

How New-Generation CIJ Printers Are Driving Production Efficiency for Manufacturers

Antiquated printing technologies such as hot stamping and roller coding are passé; continuous inkjet technology (CIJ) systems are in. Be it to enhance code-quality, speed up the coding procedure, minimize the amount of waste products or reduce maintenance hassles and costs, a new generation of CIJ printers are helping manufacturers in diverse sectors. Right from packaged food items, pharmaceuticals to electronics and more, this advanced printing technology solution is helping manufacturers grow their brands and comply with stringent industry standards and regulations. Below are the five ways, improved CIJ technologies can help today’s manufacturers to meet their product identification needs more efficiently?

1. Cleaning Made Easy: Ink buildup and blockage can seriously disrupt the printing process. In case of the previous generation of printers, such disruptions were avoided through frequent maintenance rituals between runs. This would slow down the entire process. Equipped with sophisticated printhead designs, the new generation CIJ printers require minimal cleaning to function efficiently. Thanks to its perforated architecture, these advanced printheads receive an increased amount of positive airflow that in turn helps reduce ink buildup rate. This significantly improves coding efficiency in high-output manufacturing environments such as wire and cable production.

2. Upgraded Cartridges: CIJ printers in their most advanced avatars come complete with ‘intelligent’ cartridges that do away with messy open fluids tanks. These sealed cartridges not only help avoid spillage and fluid mix-up, but also help line managers to avoid costly mistakes while replenishing cartridges. This significantly saves both time and cost.

3. Easy Replacement of Parts: Advanced CIJ models have a single centralized module. All replaceable parts including the filter are attached to this core unit. This allows the users to replace these parts in a hassle-free manner on predefined intervals. After each successful replacement, the printer will run over a fixed number of production hours. This saves the manufacturers from wasting time and money over frequent checks for possible wear-and-tear issues.

4. Minimal Risks of Outside Contamination: Coupled with its perforated printheads, built-in air pumps ensure a clean flow of air over all its internal components. This arrangement also protects these expensive systems from getting exposed to contaminated air outside, especially in dirty production environments. This keeps the printers in good health for a long time.

5. Better Ink-control: Fitted with temperature-sensing devices and internal heaters, the advanced CIJ systems help keep the ink stream at a uniform temperature, regardless of the changes in production environment. This helps avoid ink-overspray. In addition, it also ensures smooth ink delivery on substrates and optimum usage of ink-drops.

Now that you know the many benefits of transitioning to a new generation of CIJ system, follow the footsteps of smart manufacturers and install an advanced equipment in your facility; achieve higher production efficiency and let the bucks flow in.

Luca Edward Brown is a professional writer and blogger having many years of experience in these respective fields. He loves spending his time in doing research on different topics and thus he prefers sharing his innovative ideas with his readers through writing articles and blogs.

New Generation Website CMS Provides The Ultimate Fire-Power For Sales and Marketing Professionals

Are you one of the growing numbers of marketing professionals that realises the potential of the internet but is limited in the control that you have over your organisations website?

Marketing professionals are becoming increasingly frustrated with the lack of flexibility of many of the incumbent website content management solutions (CMS) available in today’s market. Failure to keep abreast with advances in internet technologies has rendered them redundant in what has become an environment typified by innovation and advancements in technology.

In reply, today’s consumers demand a rich user experience with content that accurately reflects the latest news, views and product offerings that your organisation has on offer. To deliver on this, a comprehensive, robust and user-friendly content management solution is needed.

To this end, a new generation of website CMS systems has been created with the sales and marketing professional in mind.

This latest website content management solution empowers your sales and marketing team to create dynamic content that highlights key product and service offerings while keeping your consumer engaged over the long-term.

The new generation CMS products provide marketers with a direct line of communication with their public. A user friendly interface empowers you to react quickly to trend changes in the market and modify content in real time, allowing you to stay one step ahead of your competitors.

These latest breed of website CMS products deliver on the original CMS promise by restoring control over your company’s primary touch point to the key personnel who are directly responsible for its success – and no, we are certainly not referring to your IT department.”

This technology also enables branding to remain consistent throughout the different channels and ensures that the quality of brand representation is upheld.”

The advantages of the new generation of website content management goes far beyond the ability of just managing website content; your website can now be leveraged to create sustainable relationships with your customers.

Key technologies driving the new generation of website content management systems:

Microsites (or satellite sites)

Microsites are standalone websites that are managed through a single CMS portal, providing marketers with a definitive tool for developing laser-targeted sites and content to specific audiences.

The ability to create a targeted website for a specific product or promotion will directly result in increased customer satisfaction while growing credibility for your brand. The brand or product-specific teams have the ability to manage their content as it suits them and comprehensive access controls prevent individuals from changing content that they do not have permission to alter.

From the organisations perspective; cost is reduced by virtue of the fact that they only need to purchase one solution for centralised management of all online initiatives.

Email Marketing Campaigns

Managed directly via your website rather than having to utilise 3rd party solutions. This provides an integrated solution with a seamless flow of data between your website and email marketing.

RSS Technology

Real Simple Syndication (RSS) allows you to generate a dynamic list of articles, news, products or case studies that a customer may subscribe to, creating a direct pathway to your most profitable customer’s internet browser.

RSS provides customers with a dynamic and engaging environment, essential to the development of strong and profitable relationships with your target audience. With the introduction of RSS, delivering on this content has never been easier.

With a RSS Reader embedded within your website, you can at last add value by pulling relevant news feeds such as industry specific articles and case studies from trusted sources in your industry. This information is then displayed automatically on your website and is updated every time the page is viewed.

These CMS tools offer a cost-effective solution to the problem of creating “sticky” website content that is dynamic, engaging and adds real value and appeal to your site.

It would appear that the sales and marketing industry has much to gain out of deploying the latest CMS products as they provide an unequalled level of control and flexibility over website content, preserve design and brand integrity and allow sales and marketing professionals to develop proactive strategies in the internet space.

Google and ClickBank – The Ultimate Sources of The New Generation of Making Money Online

is an Internet “Cash Cow.” 
people don’t realize that Google has become a giant source for many online
opportunists, Internet marketers. Those who have learned to utilize Google’s
marketing program called “AdWords” are raking huge profits. They
learned to master AdWords using competitive keywords or phrases that turn Google
AdWords into a gold mine. Most of these Internet marketers don’t even own a
product or a website! 
Making money without a product or a website is a new
way of generating income. It is a new generation of making money.

Making money online used to require you to have your own attractive and technically
functional web site, which could cost thousands of dollars and countless hours
trying to optimize it for the search engines. But a new generation of
“Making Money Online” has proven that’s no longer the only route of
making money online. You don’t have to own ANY product or a website! You
could make money by turning other people’s products into your own utilizing
Google pay per click (PPC) and ClickBank affiliate programs. What Is An Affiliate Program?

An affiliate program is where you promote a company’s products, services or websites, and in return the company
pays you a commission for each sale that you help in promoting their products or services. Depending on the company, you could make anywhere from 5% up to 75% in commission for each sale.

In order to be a succesfull affiliate, you’ll need the right tools for the right
job. What Kind of Tools and Information Dose An Affiliate Need? To be a successful affiliate, you’ll need to be continuously
learning new information and utilize the right tools to leverage your earning potential.
The following are some of the information and tools you may need:

  • How to write effective Pre-Selling
  • Google AdWords guides and information
  • Software tool that protects your affiliate link from thieves.
  • Software tool that lets you quickly convert any keywords list (large or small) of broad matching into “phrase match”, and [exact match] very quickly and efficiently.
  • Keyword selector tool that estimates the number of times the selected term was searched in the last month.
  • Keyword density tool to analyze the website of the company you’re promoting.
  • Software tool that will perform keyword suggestions, convert keywords into misspelled words, extract keywords from any site, keyword phrase builder, site and link, popularity check, and keyword organizer .
  • IP Lookup software that will retrieve all available information including the name and address of the ISP.
  • Pay Per Click software that will give you the bidding price!
  • If you want to add movies to your web page, you’ll need video software such as Cam Studio or more advanced CAMTASIA.
  • Information showing website and Internet marketing Tips & Tricks.
  • Software tool that will convert any ugly long affiliate link into a short link.

With the right tools and information you’ll need the right product to promote.
A majority of big vendors or companies have affiliate programs. Those companies generate their revenue online. They advocate affiliate programs because some affiliates have so much positive impact on the companies’ net profit.

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Spanish Mortgages – New Mortgage products that really can save your (financial) life!

That was pretty much the headline of an article I wrote some months ago but, following my comments in the Property Post’s last edition, I thought I would expand upon the theme of ‘5 Reasons why you need a Spanish mortgage’ and introduce some new mortgage products that are here already or due for imminent release.

There are three generalised ‘needs’ that we at Rose FS identify in a good number of our clients;

1) To access some of the capital locked in their homes to be utilised a) to improve the property and b) to improve their lifestyle due to lack of income

2) To purchase a property (perhaps their first here in Spain) but without the normal ‘provable’ income that lenders need to see

3) To ensure the safety of their capital, probably mainly in their homes, and preserve such for themselves and their children in inheritance

I could generalise further and identify that the age of the average applicant is much older than we would have seen in the UK and certainly so for the first and last of the three classes I have mentioned above. For the second category, the age could range from 30 to 60 but also differ in that we see firstt time buyers with little capital or the inability to show earned income versus the far more sophisticated investor, probably with more than one property here already, looking to rely on ‘rental income’ rather than the traditional need for ‘earned income’.

The above all translates in turn to three basic mortgage product types to address these client driven ‘needs’. That are not so numbered to meet the areas I have raised individually; there is a certain overlap of benefit that suits more than one client type.

1) Long term ‘Interest Only’ mortgages. I stress long term because we have a range of shorter terms (2 to 10 years) that suit most eventualities. So that being so, why do I need anything longer?

There are numerous needs and benefits that can be overcome by such a product:

o Where capital, normally £, where income that can be generated from investing that can easily exceed the Euro interest payable on the mortgage. In other words, after paying the debt service, an added benefit.

o Where the intent at the outset is to make a capital gain i.e. to sell the property in the future. This does not relate to the client who is retiring here and normally suits the mentality of the property investor. Having said I will now contradict myself and say that the ‘retiree’ should consider using long term ‘interest only’ for the following reason.

o Inheritance Tax (IHT). Not to be taken lightly. To not only take a mortgage where possible, even though capital may exist to wipe out the necessity. By having a mortgage, the free equity in the property is reduced which can, in turn, eliminate any exposure to IHT which, here in Spain, applies at much, much lower levels than in the UK. Many property purchasers are simply unaware of their exposure here which can mitigated so, so easily and the use of a long term ‘interest only’ mortgage is one route.

At Rose FS, we are keen to push lenders to address our clients’ requirements, and I am pleased to say that, not only do we have a product that can offer up to 25 years ‘interest only’ but other lenders are working with us to try to come up with their own solutions. I suspect that in a relatively short time, we will see a ‘sea change’ against what we have now versus a whole new capability to deliver a full solution which is not restricted to any degree. Read that as months and not years.

2) Equity Release mortgages. Now I have to e careful here and explain that I do not necessarily refer to the more sophisticated mortgage/investment back-to-back arrangements that are on offer. These are attractive to some clients in that they can achieve the desired end of mitigating IHT and even provide a ‘free’ income over and above paying the mortgage debt service, but great caution is needed in understanding the product. They can work well but they are not the be all and end all to all clients.

The term ‘equity release’ covers the general need to do just that, release some of the equity in the home. In the UK, the ability to achieve this for the elderly, with limited income or other capital on which to live, gave rise to a product that needed no provable income and where interest payable on the borrowing was ‘rolled up’ and added to the mortgage debt. Ideal for certain clients where capital is needed.and where there is no real ability to pay a debt service monthly i.e. low income probably pension orientated. These have been re-categorised by the FSA, the regulator in the UK, as ‘Lifetime mortgages’.

Now the equivalent of this product, where no proof of income needs to be seen by the lender, does not exist here in Spain except in the form of the IHT mitigation ‘equity release’ schemes that I mentioned above. No. I refer to a product that does not involve the mandatory investment of the capital to meet any debt service, where the capital can be taken in the form of a mortgage and debt service is either rolled up or deferred, probably for the eventual beneficiaries under a Will to take on.

These products are on the planning table and I would hope to be able to have these available in a few months only.

3) Self Certification of income. That simply means there is no need to prove an income as lenders normally would require. The lenders in the UK are experts at assessing risk by categorising market ‘niches’ and self certification products were developed years ago to meet client needs. They, the lenders, effectively take a gamble that clients will not default and the risk can be controlled by limiting the percentage of the property value they lend against an expected rising property market. The product has been largely responsible for the formidable property price rises over the last 10 years or so.

Now, again, no ‘real’ self certification product exists here. Some would have you believe otherwise but generally lenders will take a view cases by case. If a client only wants to borrow 30% of the property value, the risk to the lender is clearly that much lower than a client that wants to borrow 80%. But lenders are not in the business of repossessing property to get their money back! They lend simply to make a turn on the interest, so they need to be sure that the secondary risk i.e. the percentage of the value they lend, is assured.

But, if these ‘self cert’ products as call them do not yet exist, is there a way around the problem and the inability to prove income? The answer is yes!

Many elderly clients retire to Spain capital rich and income poor. And, when wanting to borrow money for whatever purpose, the age and income can be a limiter in the eyes of a lender. This is because ‘affordability’ is calculated using a normal Repayment (capital and interest) mortgage rather than ‘interest only’. So, to overcome the problem, we use brothers, sisters, kids or even parents who do have provable income to act as a ‘guarantor’. Normally it is the children that act in this capacity and, frankly, if they want the benefit of the inheritance when the parents pass on, I personally do not think this is a lot to ask! At the end of the day, with the parents (the main applicants) only having to pay ‘interest only’ the chance of the guarantors being called upon is remote to say the least.

But there is often the matter of pride and the reluctance to call upon anyone to stand on the shoulder of the applicant in financial support. So then we need a ‘pure’ self certification mortgage to fill this niche in the market. Watch this space!

Mark Mountney is a partner in Rose Financial Services, a specialist mortgage brokerage based in the Parque Comercial, Mojacar. He is a fully qualified mortgage and financial adviser in the UK with some 10 years experience in managing his own firm. Mark was also a founder of The Association of Mortgage Advisors, the trade association for mortgage intermediaries with 13,000 members.