Internet Technology and Marketing Students – Web Pirates Are Looking For You on the Web’s High Seas

Pirates are not new to this world. From ancient times to the present, robbery on the high seas has been a constant.

Today, the business continues to thrive, often with the help of high tech devices like handheld GPS units. Hard though it might be to believe, in some places, the formula for riches continues to be a few fearless men, some guns, and a small motor boat.

But piracy isn’t limited to the high seas.

A computer, the ability to advertise on the web, and tales of overnight riches inspire internet pirates to claim to have expertise in marketing and technology that they either don’t have or don’t know how to teach. Whether they are garden variety conmen or so-called entrepreneurs whose ambition exceeds their know-how, they can dupe the average beginner into committing time and money to a service or product that isn’t equal to what they promised.

When I told one e-entrepreneur that the $5,000 charge for his live, five day set-you-up-with-all-you-need-to-be-rich-on-the-internet-course would obliterate my savings account, he asked me what I could possibly do with the money that was more beneficial. I hung up on that pirate.

When you’re blinded by hope and myth, you see little about the downside-the risk of losing trust and money to clever scams or internet “friends” who want victims, not students. Yet, many who wouldn’t give a bag lady a dollar pay hundreds to these internet hawkers of hope.

There are no shortcuts when it comes to learning online marketing or technology. Don’t buy from a “one-stop” instructor who claims you, too, can make a million. Credible instructors distinguish what they can and do teach from what they do not. No one can teach you “all” you need to know about online technology or marketing for any price in a weekend or a week.

On the other hand, don’t let the audacity of a few keep you from seeking serious teachers who can become trusted mentors. Look for teachers with a brick and mortar approach-those who stress that being online requires the same toolbox mentality required by any traditional business: a good product or service, marketing and a delivery system.

Nokia N96 – Internet Technology and Culture of Always Being Online

We have already introduced earlier that the N96 has features of WiFi connectivity as well as the ability to connect to third-generation networks — third-generation networks which are available in various data plans in almost all countries that provide mobile phone connectivity and services today. In fact, in a press release by the company, they have announced the importance and stressed the capability of the phone to be able to connect anywhere it is. This has proven to be a popular marketing strategy and an essential technology not only for the target market in which the mobile phone is trying to address and capture, but also to any kind of consumer today especially among all the other competitors in mobile phone devices.

The ability to connect anytime anywhere has always been the dream of mobile connectivity, and it is beginning to be a reality given the kind of technology, hardware, and service available today.
However, it had been only recently that this has been given an extensively heavyweight and that is the instance when Apple had released its mobile phone product. Unlike many cellular phones compared to the phone that Apple released it was only this device which integrated advanced web browser with the ability to surf the Internet naturally from a mobile phone. In the past, mobile phones when connected to the Internet had only a small market to capture. Recently, however, because of the proliferation of social networks, online services, Web collaboration, and even online business Web applications, being connected is not anymore a choice or any advantage but already a constant in which any kind of person would need especially if he or she wants to keep in touch with the way the modern world works and moves.

Therefore, for the N96, the focus of Internet connectivity had been taken to a whole new level because it wants to compete with the other WiFi equipped phones around as well as the integrated browser that is bundled together with the purchase.

Also, during the past five years, one of the most popular integrated technology in mobile phones is its ability to play music on the go. This has also been a direct result of a product by the computer manufacturer Apple land it had gained the hearts of many with its product the iPod. However, past reviews and passed mobile phones which had integrated music playing technology into their hardware had made consumers disdain because of the difficulty of playing music within such devices. With the Nseries phones, however, the company had wanted to show that music is indeed a possibility in mobile phones and it is already here in their devices. This has been an effective marketing strategy for the company because it was one of the factors which contribute to future sales. Also, the ability and specific technology of the N96 to synchronize music from the computer or download them directly to the net — another sign of the culture of connectivity and how the mobile phone addresses it — is making it popular among review sites and consumers, even consumer centered on a business environment.

Rapidly Developing Internet Technologies and 4g Wireless Internet

It may seem to the general public that new internet technologies come out overnight. One day they are using dialup internet, and the next everybody is cruising around on a broadband network. The same is true of mobile technologies. When the jump from 2g wireless to 3g wireless happened, people felt like all of a sudden the world of mobile internet technology had changed for the better. The truth, however, is that 3g networks were a decade in the making. While this sounds like a long time, considering the amount of time, energy and technological development that went into getting these networks off the ground it was relatively fast. The first generation, the very beginning of the chain of development, was founded in the 1980s. Now, in the year 2010, the fourth generation is already upon us. The 1990s saw the 2nd generation, or 2g internet, and by the end of the decade 3g technology was prevalent. It has, in effect, been a decade since the last big swing in internet technology. The world is just about due for another.

The big jump between 2g and 3g wireless was the use of multimedia applications. Instead of simply being able to access simple internet functions, people could actually start to see the gap closing between the internet and multimedia functions of their home computers, and that of their mobile devices. The advent of 4g wireless will see those media functions expanded upon and improved upon to an unprecedented degree. People will be able to use functions like video calling and video conferencing in perfect quality, and will be able to do it from anywhere with connectivity and coverage. Being sold as the ‘fastest mobile communication method without cables’ that has ever been created, 4g wireless is sure to revolutionize not only how people use mobile devices but the number of devices that can support an active internet connection. Of course, it may take another decade to really develop that kind of expansive technology, but the world of internet wanted to offer up something for users to chew on in the meantime.

For many years cellular phones have operated with antennas, and the people behind 4g wireless simply thought, why not the internet too? Instead of relying on cables and wires to physically deliver connectivity, it just seemed to make more sense that more people could access the internet more easily if it was coming from a centralized source. Right now, that allows people in urban areas to access the internet from all around town, but someday it could allow people living in areas that have never had high speed internet access to quickly and easily get connected. Of course, questions can be raised over an entirely wireless network about safety and security, but as these networks are further developed such issues are promised to be fully addressed. For the mobile broadband communications purposes that the first users of the new generation of internet service are likely to require, the safety and security is more than adequate, and the timing could not be better for a new boost in internet and communications technology.

4G Internet Technology and the Wave of the Future

Just when you were feeling like you were finally beginning to get caught up on the technological world of today – your smart phone in hand, mp3 player turned on and wireless internet installed – all signs point to the probability of a few new players entering the game. Recent developments having to do with the popularity of the iPhone and other devices of the type have shown that internet carriers are going to have to upgrade their mobile networks if they want to be able to handle the growing amount of data traffic likely to come from consumers using popular social networks and video programs. Many members of the telecommunications technology community are looking to 4G for the future of wireless internet communication.

But what is 4G? The answer to that question can be surprisingly tough to find, especially if you’re not the most technologically-savvy person in the world. 4G is the shortened term for fourth-generation wireless, the state of mobile broadband communication that follows the third generation (3G). Still a little lost? Carriers and standards bodies are, too. Much of exactly what 4G will entail remains to be defined. Experts agree that it will most likely include end-to-end IP and high-quality streaming video, but few details are known. A combination of WiMax and WiFi technology is likely to be used.

Even with this definition, you may find yourself asking what fourth-generation wireless internet means to you. What is all the fuss about? Industry heads predict that users will be able to expect wireless services that support lightning fast data-transmission speeds as high as 100Mbps. Traffic prioritization is also a possibility.

What this means is that live stream video will be available faster and easier than ever. YouTube videos will be downloaded in a flash, and mobile employees will be able to participate in video conference. The quality of these videos will be excellent. Other 4G possibilities include mobile vlogs and new models for collaborative citizen journalism.

Though 4G will be faster, it won’t be cheaper, especially for carriers. The Telecommunications Industry Association estimated spending of more than $4.4 billion on WiMax infrastructure in 2008. WiMax is only one potential 4G standard, so if that big of an investment is being made in one area, imagine what is being spent in other areas and the total as a whole. Wireless internet carriers will have to drop big bucks if they want to move into this next phase of wireless communication. The investment, of course, will most likely be quite worth it.

Don’t get your undies in a bundle yet – 4G technology is still quite a bit of a ways off. Wireless communications providers are just starting to dip their toes into the sea of 4G, WiMax and other such technologies, and no clear answers are available yet. It might be a good idea, however, to start reading up on this fourth generation of wireless communications. You’ll be able to keep up-to-speed on the latest in telecommunications and eventually decide if 4G is an option that is right for you.

A Brief Guide To Online Finance Degrees

Online degrees are gaining popularity because they are flexible, accessible and convenient. However, if you plan on getting a finance degree online you need to make sure that Moreover they are also acknowledged by most of the employers provided they are pursued from accredited online universities. You can opt for various levels of degree programs as well as certification programs completely online without discontinuing your existing job.

Types of Online Finance Degrees

Different levels of degreesin finance can be pursued online; this includes undergraduate, bachelor’s, master’s as well as Doctorate Degree in Finance. You can even consider various types of specialization to develop niche careers. Some online colleges even offer a combination of accounting and finance degrees.

Some of the most popularOnline Finance Degrees are:

>Online Finance MBA Programs
>Online Finance Certificate Programs
>Bachelor of Science Finance
>Bachelor of Business Administration Finance
>Master of Science in Finance
>Master of Science in International Finance

Choosing an Online Finance Degree

If you are interested in a specific career in the field of finance, you can consider different levels and types of Online Degrees in Finance. They can help you to develop lucrative careers like finance analyst, finance manager or budget manager. However, while choosing an Online Finance Degree at any level, you should look for credible degree programs. You should conduct adequate research and develop a list of accredited online colleges which ensures quality online education.

You can find out about its accreditation from various accredited agencies which are recognized by the U.S. Department of Education. With these accredited degree programs, you can develop a lucrative career in the field of finance. This can enable you to get jobs in various work settings like private banking, financial planning, insurance or investment management.

Curriculum for Online Finance Degrees

The curriculum for an Online Finance Degree is one that can help you to develop a strong foundation in the field by gaining business skills along with gaining knowledge about different areas related to the field like finance, marketing, management, economics and statistics. You can also get in-depth understanding about various aspects of the field like risk management, related concepts, different strategies, investment and banking and financial markets.

The basic curriculum for different types of Online Degrees in Finance includes subjects like:

Financial and Intermediate Accounting
Cost Management
>Business and Finance
>Mathematics and Statistics
>Money Markets
>Commercial Finance
>Fiscal Accounting
>Financial Administration
>Insurance
>Global and Domestic Business Finance
>Introduction to Economics
>Investment Banking

An Online Finance Degree offers a lot of benefits and can help you to get experience as well as pursue higher education without leaving your existing jobs or compromising on other family commitments. You can pursue it at your own schedule and pace and can take it up from anywhere and at anytime.

In these times of uncertainty, a finance degree pursued from a top university is one of those few careers that still promise a good salary and a prestigious job.

The Future Of Finance Jobs

In the not so long-gone past, many career advisers were advising young people seeking to start out a career to go into finance. The financial markets were doing well then, finance jobs were in plenty and MBA schools were bursting with young students seeking to build a career in finance. And the finance jobs were, of course, not limited to the financial markets. With a strong economy, finance graduates who couldn’t get jobs in the financial markets and investment banks could quite easily be absorbed into commerce and industry accounting jobs. Other would get middle office finance jobs in the public service, and going was good.
Then the bubble burst.

The economy went into recession mode, the financial markets shrunk and finance graduates who had taken up jobs with investment banks found themselves facing the axe, as the investment banks are the worst affected by turmoil in the financial markets. And as if on cue, companies, in a bid to cut costs, were also cutting on their head counts, thus also shaking the fortunes of the finance graduates who found commerce and industry accounting jobs in the private sector. In the midst of all this, it seems that the only secure finance graduates are those who took up middle office finance jobs in the public sector, but even this is not fear-proof for we do not know for sure what the full effects of the economic turmoil will be on civil service staffing.

So in the face of all this, what is the future of finance jobs?
It might seem counter-intuitive to say, but the future of finance jobs is still bright, in spite of the current turmoil in the financial markets. As it were, economists tell us that the current economic turmoil is largely short-term to medium term, which is to say that it won’t be with us forever. Which means that the people who chose to pursue a career in finance need not regret their choice, as better times are coming. But even before the better times arrive, the people with finance backgrounds who are currently getting laid off might not find themselves in the cold for too long.
As governments unveil the various economic stimulus plans, there will be need for people to manage the money as it goes into various sectors which translates to some finance jobs. Of course the finance jobs created in this way will be for the best brains in finance.

And then there is the fact that all companies, like human beings, have a native survival instinct, which they are likely to find handy in these hard economic times. One survival strategies for companies in crises is to hire the experts who are likely to navigate them through the particular crises. And since the current crisis is financial, the companies are likely to find themselves hiring financial experts to help them address the economic crisis. Of course, the companies are not likely to be overtly looking for finance experts to help them address the financial crises. What we are likely to see is an increase in commerce and industry accounting jobs, but the accountants so hired are bound to be almost exclusively tasked with cost and revenue management tasks, geared towards helping their employers sail through the turbulent times successfully.

And finally the good times will surely come back again. If the history of the financial markets is anything to go by, we know that all bursts are always followed by booms.

How Can You Finance A Mortgage?

Most homeowners purchase their houses through mortgage finance or a loan. There have been many changes in home mortgage financing and loans in the past ten years, bringing many benefits to homebuyers. These changes also bring some significant tradeoffs. The greatest benefit a homeowner received from the changes in mortgage finance is that there are more choices. More choice means a homebuyer can effectively shop around for the best mortgage finance deals and make better decisions.

There are a number of specialized mortgage finance institutions that provide mortgage finance products. Savings and loan mortgage finance institutions are also known as thrift associations, since lenders take the deposits of their customers and use the money to create mortgage finance and loan products. Thrifts declined during the 1980s when interest rates were erratic, and mortgage failures were at an historic highpoint. Thrift institutions were replaced later on by mortgage finance bankers, who originate the mortgage finance product and offer them to investors. In the 1990s, mortgage brokers arrived on the scene. These are freelance mortgage finance agents who handle loans for a number of lenders and sell them to several clients that may include investors or homebuyers. Mortgage brokers remain popular with homebuyers who are looking for mortgage finance advice. Because these brokers have relationships with several lending firms, they represent the best source of mortgage finance advice concerning the current real estate market. Another good source of information for homebuyers who are looking to make a final mortgage decision is the Internet.

The general rule in the 1980s was that only individuals with good credit could obtain a mortgage finance loan. In the current market, nearly anyone can apply for such a loan if they want to buy a house. If you have excellent credit, you will probably find a mortgage finance loan that covers the total purchase price of a home. Having bad credit does not necessarily mean that you will not be able to get a mortgage finance loan, however. It is still possible, but you will pay a higher interest rate. Homebuyers who are getting their first house and how do not yet have a credit rating also have mortgage finance loan options available to them. These loans typically have low down payments and flexible standards defined in the underwriting.

The loan approval process has been made much faster because some of the underwriting has been streamlined. Computers have allowed mortgage finance loan information to be accessed rapidly, In fact, some finance companies offer approvals online or by using computer programs. The concept of credit scores” has also led to a decrease in the number of finance loans that are rejected. Credit scores can offer some relief in usually strict mortgage loan approvals, so applicants have less of a problem.

The modern mortgage finance market has developed a number of new mortgage products as well. When interest rates began to fall, homeowners took advantage of the decreases to refinance their mortgages. In order to reduce the expense of refinancing, lenders than began to offer mortgage finance loans without discount points.

Where To Get Your Online Finance Degree

An online finance degree is a wonderful option for individuals who want to go to college, but for whatever reason prefer an online forum as opposed to a traditional classroom. Frequently, those who opt for an online finance degree have busy schedules already because of family and work commitments, and juggling a typical class schedule is nearly impossible. Also, individuals who have disabilities often times opt for an online finance degree simply because it is easier to work straight from home. No matter why you want an online finance degree, there are many options out there for you to choose from.

The online finance degree is a very popular major, and because of this almost all of the online universities offer the online finance degree. In addition to this, the online finance degree is not only available in bachelors, but also in masters and in some cases PhD. So, no matter if you want just a bachelor’s online finance degree or want to get an online finance degree at ever level, the choice is totally yours.

Paying for your online finance degree is not as difficult as it ahs been in the past, either, because now you can get student loans and choose different payment plans for your online finance degree. Paying for your online finance degree has never been easier.

In addition to this, you will need to decide exactly what you are looking for in the university where you will obtain your online finance degree. The reason for this is because there are so many online university options that range in popularity, accreditation and cost, that you will need to find out which ones offer the best online finance degree for your budget.

Be sure, however, before you begin studying for your online finance degree that you know your university is accredited and has many successful graduates with their online finance degree.