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It is imperative that the CM knows that the USML includes components, parts,[link widoczny dla zalogowanych], accessories, attachments, and associated equipment specifically designed or modified for use with the equipment in each of the USML categories. Consequently, the subassemblies that a CM produces are controlled on the USML. In addition,[link widoczny dla zalogowanych], ITAR Part 120.10 controls technical data which is required for the design,[link widoczny dla zalogowanych], development, production,[link widoczny dla zalogowanych], manufacture, assembly, operation,[link widoczny dla zalogowanych], repair, testing, maintenance or modification of defense articles. This includes information in the form of blueprints, drawings,[link widoczny dla zalogowanych], photographs, plans, instructions and documentation.
For more information about corporate trade compliance or to contact an export trade compliance specialist please visit
* Registration with the Department of State (DDTC),[link widoczny dla zalogowanych]. This is required even if the CM does not export the controlled items
* Notification of the DDTC of violations of criminal statutes, changes in senior management, changes in foreign ownership, and mergers and acquisitions
* Maintenance of records concerning the manufacture,[link widoczny dla zalogowanych], acquisition and disposition of defense articles and technical data
* Application for licenses (or use of appropriate exemption) for exports of items on the USML
* Application for licenses (or use of appropriate exemption) for technology transfers of items on the USML to foreign persons or entities
Under ITAR Jurisdiction
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Items under ITAR jurisdiction are defined on the U.S. Munitions List (USML), which can be found in CFR 22,[link widoczny dla zalogowanych], Part 121. In addition to ammunition, missiles and explosives, this list includes military vessels, vehicles, aircraft,[link widoczny dla zalogowanych], training equipment, protective personnel equipment, military electronics, optical and guidance control equipment.
The CM's customer who exports is required to comply with the U.S. Department of Commerce Export Administration Regulations (EAR) and the U.S. Department of State International Traffic in Arms Regulations (ITAR). The EAR has jurisdiction over "dual use" items, that is, those items with both commercial and military applications, while ITAR has jurisdiction over defense articles. But what about the CM's export compliance requirements?
Under EAR Jurisdiction
Contract manufacturers (CMs) have become the de facto production division for many U.S. companies. The reasons for this continued trend include outsourcing non-core competencies (i.e. manufacturing), reducing supply chain costs,[link widoczny dla zalogowanych], reducing capital expenditures, and building flexibility into production operations.
If you are unsure of the export jurisdiction of an item or service, you should request a commodity jurisdiction (CJ) determination from the U.S. Department of State, Directorate of Defense Trade Controls (DDTC).
* Application for licenses (or use of appropriate exception) for exports of items on the CCL and Commerce Country Chart as required
* Application for licenses (or use of appropriate exception) for technology transfers to foreign persons or entities of items on the CCL and Commerce Country Chart as required
* Checking on end-user against government lists of prohibited parties/entities
* Ensuring that items are not intended for prohibited end-uses (i.e. WMD)
Items under EAR jurisdiction can be found on the Commerce Control List (CCL) in CFR 15, Part 774. The CCL includes items (commodities, software, and technology) subject to the authority of the U.S. Department of Commerce, Bureau of Industry and Security (BIS) and include "dual use" items as well as purely commercial items. The CCL does not include those items exclusively controlled for export by another department or agency of the U.S. Government. In instances where other agencies administer controls over related items, entries in the CCL will contain a reference to these controls.
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Failure to comply with these federal regulations can result in significant criminal penalties (possible prison sentences and fines) and civil action (e.g., fines and denial of export privileges).
CMs must first establish whether or not the assemblies or products they produce are under the jurisdiction of ITAR or EAR. For this reason it is important that the CM have a good understanding of their customer's business. Receiving drawings stamped "ITAR Controlled" are a sure bet that the products fall under ITAR jurisdiction. Are the assemblies used in defense, satellite or aerospace applications? Are the items used in telecommunications or commercial applications? If so, what are the end articles produced and what are their end-uses? CMs will likely already know the answers to these questions, which will help to determine the commodity jurisdiction.
SO, WHAT DOES A CM NEED TO KNOW ABOUT EXPORT COMPLIANCE?
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Arguably the simplest and most enjoyable part of becoming an affiliate is receiving your payment for the terribly first time. Once all, that check or deposit notification represents all those weeks (or perhaps months) of hard work,[link widoczny dla zalogowanych], tireless promotion and lead searching on your part. Finally, there's proof that your affiliate selling efforts are starting to pay off. To perceive how the payment system of affiliate promoting program works, learn the basics of affiliate commission payment schedules.
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Affiliate programs typically impose a minimum earned amount per pay amount ranging from $ten to $100. If an affiliate earns less than that, his current earnings will be carried over to the next pay period till such time that he will meet the minimum required. Solely then can his payment be released.
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If you're wondering why affiliate programs do not automatically send you a check for every sales income you generate, it's quite easy,[link widoczny dla zalogowanych], actually. Affiliate programs need to make sure of a commonplace when it involves paying their affiliates to create positive that the method is seamless, glitch-free and fair to all. A program while not a commission payment schedule risks turning into disorganized and erroneous.
Is there anything that will affect the schedule of affiliate commission payments?
The schedule of commission payment varies, depending on the preference of the affiliate program. The affiliate just about doesn’t have any control over this matter. Schedule of disbursement can vary from bi-monthly to monthly payments. Some,[link widoczny dla zalogowanych], like LinkShare,[link widoczny dla zalogowanych], disburse commission payments on a weekly basis, a considerably shorter quantity of time.
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The payment of commissions to affiliates is ruled by a schedule. This can vary from one affiliate program to a higher,[link widoczny dla zalogowanych], though a minimum amount and cut-off date are usually imposed.
If the knowledge is unavailable, you'll be able to raise your sponsor (if you have got one) or your affiliate program. The schedule of commission payments to affiliates is an important consideration when selecting an affiliate program. Don't sign on for an affiliate program while not this data so you may be in a position to avoid disappointments later.
How usually is that the payment disbursed?
There are 3 methods generally used by affiliate programs. These include: electronic payment processing (like PayPal), checks and wire transfer. The length of your time it can take for your commission payment to reach you will depend on the transaction method.
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Searching for the schedule of commission payments for your affiliate program
Getting paid
Your earnings as an affiliate come back in the form of commissions. This is often a set percentage or portion of the total worth of an affiliate product or service that you just helped promote or sell. In many cases,[link widoczny dla zalogowanych], it can conjointly return from some of the monies generated through the efforts of downline members in your team.
When you join up as an affiliate for a program, it is important that you simply check their FAQ section. Affiliate selling programs typically offer the foremost basic data about themselves on their website. Their FAQ section ought to clearly state the schedule of commission payments they need imposed for his or her affiliates.
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Having a healthy amount of traffic flow to a website is vital to its success; this is why much importance is placed on Search Engine Optimisation(SEO),[link widoczny dla zalogowanych], which is a method used to tailor website content in a strategic manner to allow a search engine to crawl and index said website. Because of the ever growing complexity of search engine's algorithms, it is imperative that any website owner implement two Search Engine Optimisation strategies used by top-ranking websites on the internet: targeted keywords and links.
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If you own an online business, you need to provide an About Us page. Unfortunately, many sites neglect to give this page the attention it needs and deserves. Many people do not realize the importance of an effective About Us page.

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-Keyword tools. These tools can help you figure out which words might be the best to bid on for high volume and low competition
-Ebooks. Ebooks can explain processes and tell you the secret strategies that internet marketers have used successfully to keep clicks high,[link widoczny dla zalogowanych], costs low,[link widoczny dla zalogowanych], and conversion rates rising.
-Software tools. There are a number of software tools available that can help you save time, maximize keyword results ,[link widoczny dla zalogowanych], duplicate campaigns, split test, provide landing pages, and more.
If you want to make a living (or supplement your living) with your computer, you need to learn how to market to people. Pay Per Click campaigns are one such way to do that. A large number of people are utilizing PPC campaigns though so it's highly competitive and can be quite expensive. How does it work? You pay a fee each time someone clicks on your ad. When they click on your ad, they're taken to your website where you will try to sell them something. It might cost you $0.25 cents to get them to your site but then you could earn money in profit when they buy something from your online store,[link widoczny dla zalogowanych], download your ebook, sign up for your membership site, or click on a link that takes them to an affiliate program where they then buy something that earns you a commission. There are a lot of different ways to use pay per click to your advantage.
Is it simple to make money through Google Adwords?
It costs a lot of money to advertise. Some methods are more expensive than others. Whether you have a store,[link widoczny dla zalogowanych], want to advertise your services,[link widoczny dla zalogowanych], have an affiliate marketing business, or some other online business, advertising on the main search engines like Google,[link widoczny dla zalogowanych], Yahoo,[link widoczny dla zalogowanych], and MSN (Bing) can help you make money, gain recognition for your brand or niche, and grow your business. Online shoppers pay attention to ads. You can grab their attention not just in the search engines but also on blogs and websites that utilize contextual advertising. To be successful you need to learn how to market yourself and get traffic to your website. A lot of today's successful online marketers use a combination of approaches such as: organic SEO, social media, and sponsored ads. Seasoned marketers have done split testing,[link widoczny dla zalogowanych], done keyword research, created several landing pages, and spent time building campaigns. You could take the long road there and learn through trial and error but you could also invest in tools that save you money in the long run, bring you a big return on your investment,[link widoczny dla zalogowanych], inform you of secrets, and help you shorten your learning curve., inform you of secrets,[link widoczny dla zalogowanych], and help you shorten your learning curve.
Unfortunately it's not simple. A lot of factors will dictate how much you spend on your Adwords campaign and how much you actually earn from your efforts. A lot of people who start marketing and advertising this way spend hundreds of dollars before they earn any money at all. When you learn as you go, this is the price you pay. There are programs and tools that are both free and fee-based that can help you learn how to do it effectively such as:
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By Matthew Bredel
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Maximizing Your Advertising Dollar
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If you own an online business, you need to provide an About Us page. Unfortunately, many sites neglect to give this page the attention it needs and deserves. Many people do not realize the importance of an effective About Us page.

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This book review is part of a series that covers the topic of Public Relations. Public relations (PR) is the managing of and organization's outside communication to create and maintain a positive image. Public relations typically involves popularizing successes, downplaying failures, and announcing news. Nancy Marmolejo is the Official Guide to Public Relations.
• Current web stats show MySpace as the second most visited site on the web, second only to Yahoo.
Make MySpace Your Space teaches entrepreneurs how to set up a credible, reputable presence on one of the biggest social networking sites around.
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This book will show you how to quickly and easily get set up and started so you can cash in on the MySpace craze.
“You Can Turn Your MySpace Hits Into ‘Ka-Chings!’”
Public relations is getting turned on its head with the explosion of social media sites that allow users to create their own media and garner attention.
Authored by public relations and social networking strategist, Nancy Marmolejo,[link widoczny dla zalogowanych], Make Myspace Your Space, shows you how to get started quickly and easily. The book is available for download at [link widoczny dla zalogowanych]
• MySpace is a great place to promote a product, service or event and yields rapid results.
If you’re still of the mindset that MySpace is just for kids, then think again. Entrepreneurs,[link widoczny dla zalogowanych], authors,[link widoczny dla zalogowanych], and other business owners are setting up MySpace presences to make connections and drive web traffic. Here’s some interesting info that may change how you look at things:
Author's Bio:
“Highly recommended”
For the MySpace newbie,[link widoczny dla zalogowanych], Nancy Marmolejo's Make MySpace Your Space is perfect. It's a step-by-step guide about how to set up your profile and start networking on the second biggest site on the Internet. Nancy shows you how to use all the MySpace tools to effectively start making friends and attracting them to your products and services. In addition to the helpful screenshots,[link widoczny dla zalogowanych], Nancy follows up with several email tutorials to help you really maximize your MySpace presence. Highly recommended.
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The Blog Squad
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MySpace is a great place to grab new business. It’s simple, easy to understand,[link widoczny dla zalogowanych], and holds unlimited potential. Nancy’s book for getting your MySpace presence got me up and running quickly and easily. She’ll walk you through the set up process plus give you networking tips so you can turn your MySpace hits into “ka-chings!” I recommend it highly and I've already gotten more than 1500 friends.
- Tom Antion
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Here’s what people are saying:
• Millions of professionals,[link widoczny dla zalogowanych], authors, speakers, and entrepreneurs are using MySpace to supercharge their notoriety, build their businesses, and tap into the power of quantum networking.
By Nancy Marmolejo
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Networking is not selling. Think of what it’s like when a stranger comes up and sells at you and shoves you his business card. This is a relationship killer! Even at a “networking” party. Be the person who builds relationships.

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Use of mouthwash in oral hygiene is simply reflexive in modern industrial societies. We do not think twice about finishing our daily personal care ritual by gargling with a rinse. And yet,[link widoczny dla zalogowanych], less than 100 years ago,[link widoczny dla zalogowanych], no one gave oral halitosis a second thought. Like many advances, until the product was marketed to meet the need,[link widoczny dla zalogowanych], the consumer did not know that Listerine was essential.
The first commercially successful mouthwash product is still one of the most famous: Listerine. First marketed in the late 19th century as a surgical antiseptic, the product enjoyed modest success. Listerine was created by Dr. Joseph Lawrence and Jordan Lambert and named in honor of Dr. Joseph Lister, the pioneer of antiseptic surgery.
By Geoff Ficke
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In distilled form, Listerine was sold in the early years of the 20th century as a floor cleaner and gonorrhea treatment. However,[link widoczny dla zalogowanych], it was only in the 1920’s that the product started to sell in great volume, and only because of a clever marketing strategy. The Listerine advertising group invented a faux medical term to describe bad breath. At that time, bad breath was considered the norm, not a malodorous condition to be treated with over the counter medicinal-like products.
This is a classic case of creating a novel, fresh Unique Selling Proposition for an existing consumer product. Listerine had enjoyed modest success when sold as a surgical antiseptic,[link widoczny dla zalogowanych], floor polish and venereal disease treatment. However,[link widoczny dla zalogowanych], by creating and driving a negative connotation for bad breath,[link widoczny dla zalogowanych], and labeling the new hygiene “chronic halitosis”,[link widoczny dla zalogowanych], a new superstar product was born.
The term, “chronic halitosis”,[link widoczny dla zalogowanych], while sounding clinical, was an early example of verbally engineering a malady that could be cured only by using an existing product,[link widoczny dla zalogowanych], in this case Listerine. The Listerine marketing team created halitosis as a way to apply a cure through gargling Listerine. The Company’s early advertising campaign depicted forlorn young lovers put off by the “bad breath” of their partners. Sales soared.
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Networking is not selling. Think of what it’s like when a stranger comes up and sells at you and shoves you his business card. This is a relationship killer! Even at a “networking” party. Be the person who builds relationships.

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If you are attempting to grow your business's web presence by using a blog, you need to post regular updates to it. You should be posting new content no less than once a week if you want to attract and hang on to regular readers. However,[link widoczny dla zalogowanych], be wary of posting multiple updates in the same day, as this can appear as spam to search engines.
Internet marketing can be tricky. You may want to,[link widoczny dla zalogowanych], as a new domain owner,[link widoczny dla zalogowanych], want to mass trade links with other new domain owners to pool your resources. While this sounds good,[link widoczny dla zalogowanych], you are actually better off trading fewer links with websites that already have a good established ranking.
Compose and send press releases. Use strong headlines and newsworthy content,[link widoczny dla zalogowanych]. Tell journalists why their audience will like your product,[link widoczny dla zalogowanych]. Increase your chances of getting your press releases published by staying in constant contact with the editors. Establish a respectful friendship with them. They can make this happen,[link widoczny dla zalogowanych].
More traffic might not be the key to higher affiliate profits. So many website marketing strategies are obsessed with generating website traffic that it is easy to assume affiliate marketing is the same. It is not. Affiliate profits come from sales, not from traffic. A low-traffic website advertising affiliate products can still be profitable if it converts a high percentage of visitors into buyers.
A good online marketing tip would be to offer some kind of recurring contest or prize. This is a great way to get people onto your site and if it recurring, there is a good chance the same people will keep coming back. Give out weekly or monthly prizes to increase the popularity of your web site.
The following tips are essential for people wanting to step their marketing plans up a notch and spread to the internet,[link widoczny dla zalogowanych]. It is a mistake to underestimate the power of the internet and the opportunities it presents,[link widoczny dla zalogowanych]. There are so many unique ways to get your message across,[link widoczny dla zalogowanych].
No one can ignore the fact that the internet is such a vastly used forum of communication. An affiliate marketing plan is doomed to fail without some type of internet presence worked into it. And thankfully there is a lot of help out there for those not knowing where to begin.
When marketing a product or business using a website, create a forum or other online community. This will encourage people to revisit your website as well as provide a personal connection between them and your product. This community will provide you with some free advertising, since past customers will be able to share their experiences with potential future customers.
By Ramil Morla
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Make your customers feel valued by offering them a free membership to your online club. You can use this club to email your customers about new products and offers,[link widoczny dla zalogowanych], or ask your club members to join your page on social networking website. This means the friends of the club members will be more likely to find you on social networks.
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Networking is not selling. Think of what it’s like when a stranger comes up and sells at you and shoves you his business card. This is a relationship killer! Even at a “networking” party. Be the person who builds relationships.

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There is good news out there! “Change has come…” Barrack said,[link widoczny dla zalogowanych], and as the transition of power continues, our president-elect and his new cabinet are being considered some of the most intelligent and experienced professionals to face and, over time, solve the many challenges ahead of them these next four years. During this time of transition and change, let’s remember to focus on patience, perseverance, positive…and, yes, let’s add,[link widoczny dla zalogowanych], a couple more - laughter and fun!
I have always been a believer of (appropriate) fun and laughter at work. Anyone who has ever worked with me will attest to that, I’m sure! In one of my other lives, I managed several bank branches for many years and no matter what location,[link widoczny dla zalogowanych], I made sure that we had some fun and laughter every day. Here are some of the things the staff and I enjoyed doing: a 4:00 p.m. “coffee break” during the lull in the customer action on our late night every Friday (with coffee made and served by me to my employees); monthly “cook-in’s” where everyone brought their favorite dish to share for lunch; decorations for various holidays and sporting events; costumes (no masks) for Halloween; regular internal sales contests with a goody basket to select from; holiday cookie swaps; staff birthday and other milestone event celebrations, and much more… P.S. Employee turnover and absenteeism were practically non-existent,[link widoczny dla zalogowanych], customers loved coming in to our branches…and brought us more and more of their business and referrals! These branches became some of the most successful branches in our region! A positive workplace means…laughter,[link widoczny dla zalogowanych], fun and results!
It’s hard to believe…it’s holiday time again! The time of the year when we can be a bit more light-hearted…right?
Author's Bio:
In yet another one of my (financial services) lives, I was responsible for managing the “employee strategy” in partnership with the CEO and executive officers. Much of my work revolved around the (68 scaled response question) employee survey – from the planning stage, through administration, results generation, to oversight of ensuing cross-functional action plans and behavioral changes that led to improved results! I still remember - Question # 46, “I have fun at work” – and the many reasons it was important to ask! Talk about taking the pulse of your organization! Since then, many articles, even dedicated businesses and websites on the subject that have sprung up to reinforce the issue. To give you some ideas…just google “fun at work” and see what happens!
By Mary Jane (MJ) Paris
See all Articles by Mary Jane ParisSee Mary Jane Paris's Expert PageGet Updates on Employee MotivationGet Updates on Mary Jane Paris Average: 0 Your rating: None Tweet
With all the right-sizing, wrong-sizing, down-sizing and messages of doom and gloom in today’s world,[link widoczny dla zalogowanych], many gloomy faces are present in the workplace. Changes in the financial services and credit markets and a roller coaster stock market over the past several weeks have created more anxiety than ever.
For the pragmatic and logical people out there, you may be thinking: “What is the practical value of a fun workplace? How can we create a workplace that is both fun and focused on business results? Is it even possible?” You know my response – positively!
One major source of laughter is stress- related tension when we treat it playfully. These days, we have tension and stress to spare! So a source of laughter is no problem. Humor can help us figure out how to play with our feelings while we continue to produce. We do a lot of senseless things that are very funny! Have you ever thought about why we go to the gym to work out furiously but will drive endlessly around a shopping center parking lot looking for a spot closer to the door? Why we drink bottled water because it’s healthier, but we use it to wash down such things as hamburgers, french fries, candy, and buttered popcorn?
Think about some of the crazy, senseless things we do at work…Laughing at ourselves can lift our mood and erase a lot of frustration.
Letting your hair down and playing with a few simple, mindless toys during stress breaks at work will also help. (The key word here is mindless.) If you can’t openly play, think playfully. A little chatter with colleagues can also really perk up a day. Take your breaks, talk with friends, take a walk, and laugh at yourself! What a stress buster!
The serious aspect of your work is a constant. If you can develop an appropriate, playful attitude for yourself at work, at the end of the day, you’ll have accomplished a great deal of serious work in a light-hearted way. You can leave for home with positive energy to spare. Wouldn’t that be terrific?
Americans are hard working people. We are famous world-wide for our standard of living, our openness, and our ingenuity. Wouldn’t it be nice if we were also known for our ability to laugh and for the resulting warmth and positive energy laughter would contribute to our work,[link widoczny dla zalogowanych], business success, and our total way of life?
So with all of this being said, it seems to me that if we can allow ourselves and our employees more fun and laughter at work,[link widoczny dla zalogowanych], we will all feel less overwhelmed and better able to do our jobs. An appropriate fun workplace environment will set an open,[link widoczny dla zalogowanych], friendly tone for collaboration and teamwork. A healthy attitude, laughter and spirit of fun will help us enjoy our work, feel more positive about the organization and feel more connected to the people we work with each day. Laughter creates bonds and helps to forge the all important “P2P” connections and partnerships between managers and employees. Employees will want to come to work! Novel idea…
It’s proven…When you laugh, there is an increase in natural killer cells, a decrease in blood pressure, burnout disappears and you’re not stressed! You can slow down the frenetic pace you may be caught in and view things from a different perspective – from the corners of a smile -- where all things will seem more manageable. You and your employees may even become more engaged, more productive, deliver finer customer service and improve business results! And… even enjoy the holidays!
Give the gift of smiles, laughter and fun this holiday season…and watch what happens!
As more and more changes take place, more and more stress may grip our faces (and those of our employees) causing smiling and laughing to subside and sometimes disappear. Are you feeling it? In spite of all that is going on personally and/or professionally, we need to remember to laugh, especially at ourselves! Maybe you’ve heard me say, “I used to be six feet tall; look what happened from so many years in the corporate world!” (Referring to my 5 feet 2 inch height) For the past few years, I’ve been adding a positive ending to that comment, “In my eyes, I’m six feet tall and on ‘the grow!’” A little fun, a little laughter…
How sad for all of us in our society and in our workplaces! We know that laughter is important to healing and controlling stress. However, somewhere along the line, we decided that laughter in the workplace,[link widoczny dla zalogowanych], while fun, is trite and unproductive. Productive people don’t laugh at work. We must present a professional image of being in control! So “they” say…whoever “they” are…
Laughter means out of control. Your muscles relax, your face contorts; you gasp for air, and can’t talk. Dignified and professional is not the image you portray at that moment in time. But, oh does it feel good!
It’s hard to believe that as we laugh, we release anxiety and frustration and are better able to cope and enjoy things, but it’s true. And we don’t have to pay for laughter, flip a switch to turn it on, download it or have it constructed! It’s so simple – almost too simple to be a long term answer for feeling better!
Laughter, by the way,[link widoczny dla zalogowanych], is not the same thing as humor. Humor is only one trigger for laughter, although a really good one. Other triggers might be tense or boring situations, absurd things happening at serious moments, embarrassment, or the uncomplicated, unsophisticated truth. Laughter is our body’s way of giving us a break from anxiety, frustration, and irritation. Without that release, we will grow increasingly serious and stressed. What a thought!
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Networking is not selling. Think of what it’s like when a stranger comes up and sells at you and shoves you his business card. This is a relationship killer! Even at a “networking” party. Be the person who builds relationships.

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A great source for younger children is The Financial Fairy Tales series,[link widoczny dla zalogowanych], which introduce money principles and awareness via entertaining and engaging stories.
Funding may not be such an easy nut to crack but there are existing projects sponsored by banks and financial institutions around the world. Dissenting voices would point out however that if it was the banks that got us into this mess are they the best influence to help educate the next generation,[link widoczny dla zalogowanych]? Governments may also see the longer term benefits of providing financial education as saving them the money they may otherwise have to spend on social security in the future.
At school, we may have learned some skills necessary to get a job, but nobody tells us how to create or manage our wealth. If we cannot educate ourselves on ways to obtain and retain our money, we are headed for a future financial disaster.
Some argue that a better way to teach children about money is in the home,[link widoczny dla zalogowanych], which may have its merits but may create something of a vicious circle: when parents are financially illiterate — they’re not likely to teach their kids very well, are they? Which means that the minority of people, who are smart about money, will (potentially),[link widoczny dla zalogowanych], raise kids who are also smart, while for the rest the cycle will continue.
If ever there was a time for better financial education then surely it is now? When you look at the state of many of the economies around the world it’s a mystery why financial education is not compulsory schools. It is easy to blame banks,[link widoczny dla zalogowanych], big business or governments for the current climate but it is the education of individuals that need to change.
In conclusion it would appear that there is a growing tide of public opinion supporting the need for better financial education, which in my opinion should at least begin in schools. The debate will continue as to who should deliver what and when but in the meantime, parents and young people themselves can take a proactive approach and seek the resources currently available.
These arguments may be countered by providing financial education online or via other media accessible to students,[link widoczny dla zalogowanych], and indeed their parents, 24/7. Young people will spend hours studying independently for subjects with a real personal interest,[link widoczny dla zalogowanych], playing an instrument,[link widoczny dla zalogowanych], making a MySpace page or learning to drive for example.
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By Daniel Britton
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Another argument put forward against financial education in schools, centres on the twin pillars of lack of time and lack of money. School curricula are already crowded places and a significant financial education programme would have to come at the expense of something already in place. Few teachers would have the necessary competence and confidence to deliver such programmes without the need for additional training and resourcing.
In the USA, individual debt is growing 23 times faster than the economy. It is a similar situation in many other developed nations,[link widoczny dla zalogowanych], for example the credit card debt in the UK is over £220bn or an average of £3175 per person. Thousands of college graduates who have invested in their education are facing a student loan crisis. The job market is shrinking, and the sour economy is preventing employers,[link widoczny dla zalogowanych], parents and relatives from helping those who are behind on payments,[link widoczny dla zalogowanych]," USA Today reports. "Student loan defaults are at their highest rate since 1998, and likely will go higher” People are even losing their homes and have no money to retire on. It is estimated that the average person today will require $ 1.5 million by 65 years of age to retire comfortably.
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Networking is not selling. Think of what it’s like when a stranger comes up and sells at you and shoves you his business card. This is a relationship killer! Even at a “networking” party. Be the person who builds relationships.