Contrasting Education Between the Western World and Africa

The Circumstances of the previous 60 years

Through the last 60 years, the learning situation within the developing world and African nations has quite improved a lot. Soon after World War 2, a number of the western nations also came under the communist guideline which made schooling absolutely mandatory for all. Additionally they created quality training intended for science and technology plus several other areas. This made it easier for the states to enjoy a solid educational profile. While other countries that weren’t using the communist way of living were really set on their teaching and learning profile. A large number of countries such as United States, United Kingdom and Germany possess strong community academic institutions, that serve everyone. Of course they also have expensive private schools too.

1980 was considered a pivotal period for the African regions

During the 1980′s most of the African states were involved in financial crisis this drove us to witness a radical tumble in the literacy rates. The reality is the adult literacy rates in a good deal of the African countries was abysmally low at 40% and 50% and above while most women were even illiterate. With this sort of awful statistics, the long term advancement of the African continent was at risk.

A further crisis that has been and continues to be encountering Africa in the education situation often is the poor quality of education and learning. In far more than 19 sub Saharan countries, the ratio of educator to learners is really great, course instructors are beneath qualified as well as don’t hold the proper academic tools to help make the youngsters study. African states invest as low as 6% of the GDP on education and so this is restricting the education pursuits. The basic primary schooling is a large complication. In addition the space between the city levels of education and the non-urban levels of education are large.

The scenario in the developed regions of the West

The developed countries in the western world have a very good sound teacher student ratio which enables the students to acquire the attention and also the education that is needed. Primary education is common and just about any child could have access to education within the public school system. The Western world even offers quite a few tertiary educational instructions that are incredibly substantial too. In reality people from all around the globe head over to the West to enroll in graduate and postgraduate degrees. Although a lot of of the developed regions have got a lesser amount of than ten percent of their people in tertiary education centres, virtually all of them have greater the contribution level at the primary education classes. In the African continent each primary level and tertiary and higher-level education rates tend to be very very low.

Numerous African countries like Ethiopia, Senegal, Mozambique and Zimbabwe have launched campaigns for education with the assist of UNDP and it’s organizations. On top of that much better relationships have to be fostered amongst the community, teachers together with the parents of the children to help them to continue studying.

MLM Home Based Business – Is It Right for You?

Do you like getting up before you’re awake and going out in the dark and cold of winter, then sitting in traffic for hours day in, day out? Thousands of people have quit that daily grind and have started their own MLM home based business. They can set their own schedules, get up when they want, and have a real life, being around their families and loved ones when they want and taking vacations exactly when they want to, not a few days here and there to fit in with their miserable boss’s wishes!

Have you been considering some kind of home based business, but afraid to think about it seriously? Perhaps you have looked at a few MLM businesses, and some of the scams that are out there too.

MLM Home Based Business – the Hard Facts

If you want to know the hard facts about MLM, or multi level marketing, you should know that there are a lot of things to consider.

First, if someone tells you it’s easy, he has obviously forgotten about the long hours he put in at the beginning. Perhaps it’s easy for him now, but there are a number of crucial factors you should take into account before you write a buy-in check, or sign on the dotted line.

Be aware that there are less than 30 MLM companies that have been around for over 10 years. There is nothing wrong with the business model, just that all those companies that failed simply did not set things up right.

These companies could see that having a system where one person recruits many others, called a down-line team, would mean having ever increasing numbers of people selling their product. Great! What’s wrong with that? Absolutely nothing. So where did they go wrong?

There are two main reasons these companies folded. First, their products were not as desirable as they thought they would be or not profitable enough, or second, their compensation plan sucked.

MLM Home Based Business Due Diligence

When you are looking to join an MLM home based business, the compensation plan is the first and most important thing you should look at. Ask questions. Ask what system they use. There are many complicated systems out there, so make sure you understand what you are getting into.

Then look at the product. Is it well advertised, is it something most people would want that they can’t easily get in a store, is it good quality and is it enduring? Will people want this in five years time? If they don’t, then where will you be?

Mary Kay, for example, has endured because its compensation plan allows for everyone to make money. The more you sell, the more you make, simple. They are also pretty tight about territories too, no good trying to sell in a small area where 20 other people are selling too.

If you have a company in mind, get on forums and find other people to talk to who work for that company. You will have to look out for people who have failed though; the attrition rate is very high in any MLM business, mainly because people think they are going to make money from day one, or they don’t put in any effort.

The Bottom Line

Building a profitable home based MLM business takes time, skill and a major commitment. So doing your due diligence before you invest your hard-earned money is a good step in the right direction.

You should also outline a sales and marketing plan to promote both the product and the opportunity – before you sign up. Seriously. Because the only way you will ever make any money is sell the company products, services and recruit others to do the same.

Do you have any clue how you will go about making this happen?

Do you have any idea what you need to do to create a steady stream of highly interested prospects to take a look at your wares? Will you build a web site and market online? How will you drive traffic? Do you intend to run ads or participate in a company or team sponsored advertising co-op? What kind of budget do you have to invest into your business? What type of training, tools and advice will you make available to your new team members.

Top Home Business Ideas – Profitable Home Based Business Source

Home based business is a means for people to gain financial goal, particularly if they hate the mandate that these regular jobs impose on the potential home based business operator. This alternative means to draw earnings has grown to be common amongst a lot of people due to the rather convenient access to Internet and lots opportunities available in the top work from home business ideas.Currently, there are plenty home based businesses out there, unfortunately, selecting the one to focus on can be a challenging task. But do not lose hope as there are services that will help you select from the top work from home business ideas.A home based business is very cheap to start and also very profitable because it is better positioned due to the relatively low start up costs necessary. Good management and low running cost is always good formular for healthy profits. By comparison, a brick and mortar start up business cannot boast of such advantages.The most up-to-date top work from home business ideas are:1. Affiliate business. A perfect idea for a home based business is the very lucrative affiliate marketing business. The start up cost is little to nothing and very profitable. The opportunities in this business are still abound.2. Day care. If you love children or have several of your own this will be a way to leverage your passion to making money from the comfort of your home. The child care industry is growing at an unparalleled rate.According to the US government, there is desperate need for child care providers in the United States.3. Pet day care. Pet owners are still willing to pay to care for their pets, even in tough times. One of the fastest growing areas in the pet business is pet sitting. Start up is easy: There are a couple of business models you can choose from -either provide a location at your home to sit the pets or visit your client’s homes to sit their pets. If you become bonded (a little insurance) you increase and secure the trust with your clients. Print and handout flyers.There are plenty of people out there considering running some of the top work from home business ideas basically due to its phenomenal advantages: For starters, it frees you from the limits of your boring regular job, it affords you financial freedom, the efforts you put towards your own business is advantageous to you 100% as instead of your employer, you get to draw earnings from doing something you like, spend more quality time with your family and friends, take more vacations and live a better quality of life.

Computer Home Based Business – Do You Have What it Takes to Succeed Online?

If someone were to ask you, what do you think the most valuable attribute in attaining success in a computer home based business is, what would you say? Perhaps knowledge? Desire? The Dream?… Well yes these things are also important but they would be completely useless without one thing. PERSISTENCE!Persistence is the biggest obstacle any one faces when trying to start an internet business. YOU WILL get fed up at times and want to quit. It’s part of the game. The question is though, are you really just going to give up? Ask any successful entrepreneur and they’ll most likely tell you the same thing. What really got them to where they are now is the fact that they didn’t stop, EVER. They may have fallen flat on their face and slowed to an almost motionless crawl but the forward motion never subsided. This is the kind of persistence you need to have if you hope to succeed in a computer home based business.You see talent and brains can only do so much for you and your computer home based business. You can know what to do and how to do it well, but if you don’t do it consistently than your business will never succeed. Someone who knows absolutely nothing and totally sucks at all of the skills necessary to run a computer home based business but puts in a conscious daily effort will far outdo anyone with brains and/or talent. Why? Because they have persistence!Let me tell you now, you are most likely going to suck at this computer home based business thing at first. Now listen closely… SO WHAT! You witness the glamorous lives of professional athletes and successful business men, but what you don’t see is the years of blood, sweat, and tears that went into their success. Yes, YEARS OF PERSISTENCE.Bumps and roadblocks are inevitable in a computer home based business and in all of life for that matter. Some obstacles you’ll breeze right through, some are going to need a little more persistence. Just remember, there is no better time than now. So stop procrastinating, get out there, and start building your computer home based business empire! Persistently;)

Home Based Business – How to Set Up and Run One Until You Can Retire From a Paid Job

You may be thinking of starting your own home based business because you may be fed up with your daily fixed routine, demanding boss or commuting long distance. Should you be leaving your full time job to take a plunge into the home enterprise? Where is the guarantee that your business will be a success from day one?It may seem simple to start an entrepreneurial venture but you may have to wait for a long time before you even break even.You can start a business venture which can even be managed by someone in your family. Don’t think of leaving your paid job until you are sure that your venture has reached a stage where it is absolutely necessary for you to take up the reins. You could also try working part time on it until you get the confidence that you can take it up as a full time business.Hold on:Given the economic conditions right now you must hold onto what is secure now. Meanwhile you can work part time on your home based business and build the connections which are necessary for the growth.Keep control over your expectations of your business since it will not be giving you big benefits and profits, especially when you are unable to devote complete time to it. At the same time you can reduce your expenditure and save the money for sustaining your expenses when you finally get rid of your job.Engaging the family:You could engage someone from your family to do specific tasks like answering the customer emails and so on. However, you will need to document their job roles and make them understand what is specifically needed of them.You’ll also need to explain your complete business plan to them so that they work according to your vision. An ideal plan should incorporate all the aspects of your home based business. You will also need to monitor the performance your home business team on regular basis and give them the feedback to improve their performance.Creating income:You should work to create an income with your enterprise so that you can leave your paid job as early as possible. You don’t have to be impatient. Your home venture may take some time before it actually shows some results. If you leave your job before your home based business has established, you may find it difficult to sustain your family expenses.Striking the right balance:If one of the partners is engaged in the home business venture and the other one in a regular job, there is a chance of misunderstandings developing between the two. One of the involved person might even decide to quit on the business without even bothering to serve a notice period. A lot of personal issues might even start cropping up in the business.Therefore, it is very important for you to maintain a professional relationship with your family team members especially when you are working on your business. Personal differences can be set aside to be discussed in the non working hours. You’ll need to maintain a balance very delicately since both the aspects of your life are equally important.You should discuss the performance of your home based business from time to time. Assign the roles only after taking stock of everybody’s pluses and minuses.Taking the centre stage:If you think that the appropriate time has come for you to take the reins of your business, you can leave your existing job. You should quit your job only after you feel the confidence of making more money in your business than with your existing job.Your determination and readiness to face some hardships with patience will make it easier for you to plan your quitting the regular job. If your family is ready to share the load, it will increase the chances of success of your home based business.

Home-Based Business – Start Your Own Business Or Look For Other Opportunities?

One of the first thing that people who are looking to start a home-based business will ask is “Where do I find a good home-based business opportunity?”, and they will go on to look for high-paying opportunities offered by other people. But instead of searching endlessly for an “opportunity”, what about using your own skills and knowledge to create your own products and start your own real home-based business, selling things you make to customers who are very willing to pay your to learn what you know.You may think that you don’t have any expertise or anything relevant to teach others, but almost everybody has some skill set that they can turn into an ebook, into an MP3, or even into simple videos that teach others how to do something. So if you know how to teach someone to lose weight, how to knit, or how to do pottery well, then you have a skill that you can sell to others and make a good living, all from the comfort of your own home.Some of the opportunities that you see online and in classifieds are scams, many of them charging you a significant amount of money just to learn how to make money, and when you see these, no matter how attractive it may look or how much money is promised, be very wary and run the other way. Do you really think that if someone had a job that they did from home that made them $75/hr that they would want to show you how, and ultimately increase their competition? Of course not, so you have to be skeptical and really think about these types of scams.Instead, you can easily and quickly start your own home-based business with nothing more than a couple of information products that you can create over the course of a weekend, and sell them to hungry consumers for as little as $20 to as high as $1000, depending on what type of service or product you will be selling.Here are a few benefits that you can expect if you take the initiative to start a real home-based business instead of pay someone to let you have access to their revolutionary ‘opportunity’:1 – A home-based business selling your own information products can be run on an almost completely automated system after you have created your products, building freedom for you and your family.2 – Information products sold from the comfort of your own home have helped many successful online entrepreneurs create multiple six-figure or seven-figure businesses, all from home. There is nothing special about them, you can achieve the same results.3 – It is a “real” business, something to be proud to tell your friends and family, and not just some scheme that you are told will make you a millionaire in the next 30 days.

7 Questions to Answer to Avoid a Home-Based Business Disaster

There are thousands of home-based business ideas to make money from home. Listed below are 7 questions to answer before you begin a home-based business:What time have you got available? The decision to make money from home may be a lucrative one. Of great assistance to home-based business is the capability to make decisions relating to time and energy devoted and also the sought after financial outcome. It’s crucial to prepare how much time you’ll have the ability to contribute each day or week, on what days and then ultimately, develop a genuine evaluation of how much you possibly can realistically expect you’ll make, given the time you are ready to commit.Ideal income level – hobby, part-time, ‘serious part time’ or fulltime income? Medium to long term, do you want to produce hobby income (a bit of additional spending money) for occasional work, part-time earnings (let’s say a couple of $ 100 each month), ‘serious part-time’ money ($1000-$4000 each month) or are you searching for something that can deliver on or above the average full-time income? This will aid in ruling out a few home-based business opportunities that simply won’t deliver the desired income.Precisely what are your personal competencies? What competencies do you currently have that may potentially be transformed into a lucrative home-based business? There’s nothing drastically wrong with learning something brand-new, nevertheless leveraging current strengths will help while you grow your small business.Are these skills able to be monetized sufficiently? Is there a market for this product or services and is there formidable competition which may be tricky to beat? Even though strong levels of competition does not have to be a determining factor on whether to proceed with a given home-based business venture, it obviously requires thought.How much time is available and is it sufficient? In the time you have available, what kind of money can you realistically expect you’ll earn from this venture? For instance, what’s the most of your products or services that you might possibly generate within a given 7 days. Multiply this by the probable sales of that product or service. This may offer you a probably indication of revenue.What excites you? Developing a business generally is a slow-moving process, be that a home business or a traditional business. Sure many businesses take off straight from day one, however usually it’s a progressive process to success. So identify something which is going to keep you motivated to continue, even if things are challenging.Will there be residual income possibilities? Having the capacity to earn money from home is excellent, but developing a business that offers a passive or residual income is much better. Passive or residual income, is income that’s produced continuously from a once-off effort. It means that you can put in upfront work, but enjoy continual profit, therefore providing you the luxury of two scenarios:
You continue to work the same number of hours, whilst developing a residual income flow that compounds. E.g. you earn an escalating sum based on a set time investment.
You make money from home at a level that’s the very same, or greater than, that which you were earning in months previous, however, you work much less!

The Benefits Of Property Management

Countless landlords elect to manage investment properties by themselves but occasionally landlords require more assistance, and that’s where a property management business will make sense.

Management companies work directly with potential and existing tenants, helping you save time along with marketing and advertising your current rentals, collecting rent payments, dealing with routine maintenance and repair problems, answering the different renter issues, and in many cases seeking evictions. A property management service can help you stay away from the headaches of being the property manager and concentrate on experiencing and enjoying the rewards.

Why you need to retain the services of a management company?

A management firm will primarily be dealing with the maintenance of your investment property or home. Just about all properties need routine maintenance however if you have a paying tenant you are required to solve maintenance problems immediately. Normal property maintenance helps keep the value of your investment property up and in many instances keep your property safer. This can really help you save cash over time since it will increase the life of your investment property.

Based on the age of a home you will probably discover more problems. For this reason it is very important your property is carefully examined prior to tenants moving in. Any issues that are found will be fixed in hopes to reduce the amount of problems and complaints which will arise once the property or home has been leased out.

There are many types of property maintenance which will need to be examined and this maintenance vary from becoming major issues like roofing repairs to small jobs like interior painting, carpentry work along with yard projects.

When should you employ any management company?

*You do not live close to your rental property.

If the rental home is located far from where you live, working with a property management company may be important in working with the many challenges that you won’t be able to manage from very far away.

*You just are not serious about hands-on management.

A number of property owners enjoy the challenge of locating good renters and the advantages of having a secure and desirable property or home on their own. However, if you look at rental property ownership purely being an investment and desire little or nothing regarding the day-to-day managing of the properties, think about employing assistance to manage your property.

*Your time and energy is limited.

Even though you appreciate hands-on management, you might not have enough time to be able to spend on your business, particularly if land-lording is not your day job.

Getting a property management company is definitely an appealing option if you’re able to afford the service fees. Many companies charges you a percentage of the rent or lease, while various other property management companies charges you a flat rate fee.

Should you decide to retain the services of a property management firm, be careful in choosing one and ask questions to evaluate the services provided.

Sources of Friction: Why Investment Expertise Often Fails to Help You and What You Can Do About It

Most of the time when I talk to people about the investment industry I get the distinct sense that they would rather talk about almost anything else. While there are certainly many potential causes for such an understated response, I also don’t get the sense that an overwhelming degree of satisfaction is usually one of them. Rather, there seems to be a persistent state of frustration lurking under the surface that occasionally reveals itself in comments like, “I’d like to be able to get more confident with my investing”, and, “Do you ever get to talk to the person managing the money?”

To the extent that lurking frustration exists, it is not for lack of investment expertise. Not only are there thousands upon thousands of investment professionals, but there are also terrific credential programs like the CFA and the CFP, a substantial and diverse active management industry that has a business model predicated on developing proprietary insights, and research that suggests it works. For example, the study “Best Ideas” [Cohen, Polk, and Silli, 2010] shows that the typical active money manager actually does outperform with his/her best ideas (the problem is that most portfolios also contain a lot of other ideas which aren’t nearly as good).

So why do investors continue to be frustrated when all of this expertise is available? The answer, in a word, is friction.

Sources of friction

Just like the progress of any vehicle is slowed down by the friction created by its contact with the road, so too is the efficient transfer of investment expertise constrained by a variety of structural sources of “friction” in the industry.

One important source of investment friction is the tendency of many firms to focus more on the business of investment management than on the profession of investing. Because the universe of significant investment opportunities is limited in a competitive environment, managers must settle for progressively less attractive alternatives as a fund grows larger — and this dilutes performance. The conflict of interest between an investment manager’s desire to grow assets (and therefore business profits) and an investor’s desire for a smaller fund focused exclusively on best ideas is one way in which investment expertise often fails to benefit clients.

A second source of friction is essentially a corollary of the first: Many firms fail to focus on the types of activities that are closely associated with generating superior investment returns. For example, many firms persist in charging high fees for investment services despite widespread evidence that high fees detract from returns. Many run portfolios that look very similar to their benchmarks rather than concentrating on best ideas (i.e., high active share). Many react (and overreact) to short-term results for which there is very little information content (i.e., low signal to noise ratio). Each of these types of activities is a well-known structural impediment to good investment performance and each is the result of a choice, a tradeoff, made by an organization’s leaders. While it is unfortunate such impediments exist, they are absolutely avoidable.

A third source of friction is over-specialization. When an environment remains stable for a long period of time the most successful entities are those that focus on a very narrow area of expertise. Examples include narrowly defined functional silos such as industry-specific analyst coverage and very narrowly defined investment mandates. In such an environment, flexible business approaches and policies to insure against large losses represent unnecessary opportunity costs. In a more tumultuous environment, however, the costs of focusing too narrowly can be debilitating and sometimes even deadly. It’s fine to pack only swim suits and t-shirts for the beach as long as the weather stays nice. If it gets cold and rainy, you’ll wish you had better choices.

What you can do

While various sources of friction often prevent investors from deriving as much benefit as they might from the industry, the good news is that they also provide a clear target for improvement. If you want things to run more smoothly and efficiently, just reduce or eliminate the sources of friction. For investment firms this is simply a matter of making policy choices — of choosing to focus, on the margin, more on the exercise of investing than on the business of investment management. For investors, this is just a matter of identifying the firms that are not only willing to accept, but to actually encourage, making the tradeoffs that benefit investment results.

Another way for investors to derive more benefit from the investment services industry is to find better user interfaces. Steve Jobs revolutionized the computer industry by developing a graphical user interface (GUI) that made it much easier for normal people to interact with computers. The same needs to be done with investment firms. While a great deal of investment expertise does exist, only a small subset of that resides with organizations that have cultures truly oriented to helping people. Without such a culture, the path of least resistance is for that expertise to first benefit investment firms and their employees.

The investment services industry is interesting as a case study because it defies so many well established norms in other industries. Exceptionally few businesses in a competitive environment can afford to persist with processes and behaviors that impede performance and client satisfaction. If you went to a nice restaurant and ordered an expensive meal and the waiter came out and just threw it down in front of you without explanation and walked away, you would probably be miffed and might consider never coming back. Oddly, the same behavior happens with investment firms all the time — except in these cases investors tend to resign themselves to accepting such treatment. You can do better, but you will almost certainly need to look for new approaches that avoid old, and predictable, sources of friction.

How To Succeed At Online Product Creation The Easy Way

Product creation could be a frightening subject for a lot of Internet marketers to face. Some folks who get in the game with the intention of making a full time income are completely ignorant as to how an online business operates. One of the most profitable ways to create online cash is by creating a product that others are happy to pay for.

Product creation is legitimate method of generating money through internet marketing but many entrepreneurs get it wrong. They start by imitating their Internet marketing gurus by creating information products on Internet marketing in hopes of getting rich the way their heroes did. The problem is that they usually don’t know what they are doing and enter a highly competitive niche with very little marketing experience or connections.

Here are a few tips for effective product creation that may help you get on the right track:
Start by finding a profitable niche with low to moderate competition. If you conduct some rudimentary market research and keyword research, you’ll find many opportunities in areas that will surprise you. Amazon and eBay are two great places to brainstorm for product ideas.

Developing Your Product does not have to be a difficult project. You can find experts in the right field for your niche and pay them to write the material while an artist designs the packaging and website or blog. You can outsource the entire product creation part of the project after you conduct the research and testing to ensure profitability.

Sales and marketing strategies should be created while developing the product and learning about the market. Some experienced marketers use pay per click to drive traffic to their offer page; some folks outsource the entire marketing campaign to affiliates through ClickBank or other affiliate programs.

Product creation does not need to be hard, particularly when the merchandise is electronic. E-books, videos, audio and multi-media products sell very well. They are distributed immediately to customers electronically. Once you have a good feel for a niche market, try to service your customers with associated products and upgrades. If you want to earn money online through product creation, you must understand supply and demand. The majority of new online marketers fail miserably because they go after highly competitive markets or forget to research their chosen niche properly. You have to create your products according to the needs, wants and desires of the prospective customers.