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Showing posts with label Article. Show all posts

Monday, November 16, 2020

HBO Max Ends Amazon Standoff, Reaches Deal for Fire TV Devices

AT&T Inc.’s WarnerMedia reached a deal with Amazon.com Inc. to make its HBO Max app available on Fire TV devices, ending a standoff that had curtailed the growth of the new streaming video service.

The HBO Max app will be available on Tuesday on Amazon Fire TV streaming devices, smart TVs and tablets, WarnerMedia said.

The deal ends a monthslong impasse between the two giants that centered, in part, on who controls valuable user data. HBO Max plans to introduce an ad-supported version of its service next year.

Launched in May, HBO Max finished the third quarter with 8.6 million active users. Becoming available on Amazon devices will help the service grow faster.

HBO Max, however, is still unavailable to consumers who use Roku Inc. devices to watch streaming services. Roku had 46 million active accounts at the end of the third quarter.

Saturday, November 14, 2020

US president-elect Joe Biden must quickly restore science to government

The election of Biden and Kamala Harris is a win for facts, research and empathy. Each of these must be deployed to fight the pandemic, combat misinformation, mitigate climate change and rebuild the United States’ global relationships.

After four years of daily hammer-blows to the foundations of government, democracy and evidence-based policy, a majority of US voters have rightly decided that enough is enough, and have embraced a future of hope, truth, decency, evidence and science.

The election of Joe Biden and Kamala Harris as the next president and vice-president of the United States provides a welcome glimmer of hope in a year dominated by the tragedy of the coronavirus pandemic.

The country, and the world, can begin to close the door on four years of chaos, catastrophe, incompetence and the normalization of false information from the holder of the United States’ highest public office. In a Nature poll run since the election result was announced, more than 75% of respondents said they are optimistic about the results.

As expected, President Donald Trump continues in his refusal to accept the result, but we are confident that the rule of law will prevail and that his term of office will end, as it must, on 20 January 2021.

When this journal endorsed Biden’s candidacy for president of the United States, we did so in part because of his campaign pledges to restore the place of science in government and to return the country to its previous international commitments. Within days of the result being called for Biden and Harris, the incoming administration declared that the United States will rejoin the 2015 Paris climate accords and reverse Trump’s dangerous decision to exit the World Health Organization (WHO). In our poll, Nature readers expressed support for these priorities — and hoped that the administration would appoint a science adviser and do more to support pandemic science.

We are confident that Biden, Harris and their team will respect the need for, and integrity of, regulatory agencies, and that they will quickly roll back restrictions on visas for international students and researchers imposed by Trump’s administration. Policies that adversely targeted women, people of colour, refugees and migrants, members of sexual and gender minorities, and people from other under-represented groups must also be erased, for good.

Pandemic promise


Biden’s immediate domestic priority must be to take personal charge of a fast, comprehensive and evidence-based effort to contain the coronavirus and protect the US population’s health. The Centers for Disease Control and Prevention must be brought back from the sidelines, moving it to the centre of the coronavirus response.

On 9 November, Biden’s transition team announced that it would be setting up a new coronavirus task force. This is welcome, but the incoming administration must also quickly find a message that resonates with Trump supporters, especially those who followed the outgoing president in refusing to accept expert public-health advice. Such national reconciliation is needed for many reasons — not least because the virus will not be contained unless the whole country accepts what it takes to defeat it.

During the campaign, Biden was transparent about the reality of the threat facing the US public. SARS-CoV-2 is not going away; it is dangerous and virulent, and researchers are just starting to study its long-term effects. The Biden–Harris team must continue to reinforce evidence-based public-health messages on the need for mask wearing, social distancing and hand washing.

And the incoming administration must work constructively with cities and states — as the Trump administration should have, a long time ago — to accelerate and expand test–trace–isolate programmes where these can help to contain the virus. This would follow best practice for controlling outbreaks of infectious disease, backed up by evidence from previous outbreaks and from those countries that are managing the COVID-19 pandemic more capably.

Furthermore, the United States must swiftly return to working productively with international coronavirus initiatives to ensure that vaccines are distributed equitably to those who will need them most around the world. In particular, it must cooperate with COVAX, a fund spearheaded by Gavi, the Vaccine Alliance, and the Coalition for Epidemic Preparedness Innovations.

The international community can now look forward to the prospect of a more unified response to COVID-19 — and to other diseases, too. De-funding the WHO was especially dangerous for low-income countries that rely on the agency to maintain standards of public-health infrastructure and tackle killer diseases. In addition to the COVID‑19 pandemic, the WHO’s epidemiologists, clinicians and logistics personnel are right now overseeing more than 35 emergency operations, including those to tackle a measles outbreak in the Democratic Republic of the Congo and a cholera outbreak in Yemen.

Back on the climate track


As Biden and Harris have made abundantly clear, climate change will be an urgent priority for the new administration, both at home and on the international stage. The United States hasn’t just lost four valuable years in helping to avert the coming climate crisis: it has regressed. It will take time for the new administration to reinstate — and ultimately strengthen — climate policies rolled back under Trump. Reaching net-zero emissions is a global challenge, and US participation in the Paris climate agreement will be crucial to achieving this.

That said, the Democrats have not yet achieved a majority in the Senate — and it is unclear whether they will. Without that majority, accelerated action on climate will be tough. Biden will need all of his nearly five decades of political experience in reaching out to opponents.

Biden has promised a green industrial revolution: he campaigned on a US$2-trillion plan to invest in low-carbon energy and infrastructure as part of a national effort to eliminate emissions from electricity by 2035 and achieve net-zero carbon emissions by mid-century. To implement this, Biden and Harris will need to draw on their joint experience at tackling vested interests — notably the powerful fossil-fuels lobby, and Biden will need to revive the spirit of the coalition that found success in Paris. The prospect of ambitious climate action from the United States, China, the European Union, Japan and South Korea will send a powerful signal to the broader international community that there can be no more delays in acting.

The new administration will also have to work with Congress to agree on the next injection of government spending to support the economy during the pandemic. That, too, will require working with members of the opposition and persuading them that there is neither sense nor fairness in supporting industries that endanger the climate, along with people’s well-being and health, when they could be supporting greener industries and creating the jobs of the future. The science more than justifies faster climate action, but Biden, Harris and their colleagues will need to make the case on economic and public-health grounds, too.

All of these measures will require smart and capable appointments. Experienced and qualified leaders in research, policy, public health, ethics and regulation must take their places at the Food and Drug Administration, the National Oceanographic and Atmospheric Administration and the Environmental Protection Agency. The credibility of these and other federal agencies has suffered hugely under the Trump administration, with very real consequences for public trust in the government and, ultimately, for our health and our planet. That cannot change soon enough.

Rules of engagement


The election result has boosted hopes for a new era in which scientific integrity is restored to US government and policies are based on fairness, science and the consensus of evidence, a commitment to unite and a determination to work towards the common good.

These values must also underlie the incoming administration’s relationships with other countries. The United States is a powerful nation whose influence extends well beyond its borders, both for good and for ill. The Trump administration’s policies on climate, the coronavirus and immigration have been a calamitous example of the latter. Biden and Harris have an opportunity to reverse course, rebuild relations with the international community and make the United States into a force for good.

The past four years amounted to a high-voltage electric shock for US institutions of democracy, including its much-admired scientific and health advisory systems. Nearly half of voters in a scientifically advanced nation chose a president who repeatedly rejected the advice of his own science advisers. Scientists and scientific policymakers must learn lessons from this about how to engage with the public. Colleagues from across disciplines must work together in a spirit of mutual learning to self-reflect and understand how they can all do better.

The new administration has a mountain to climb, and it knows it. Considering the magnitude of national and global emergencies, there is no time to lose. The work starts now.

Source: nature.com

Monday, November 9, 2020

Malaysia’s Tenaga Weighs Listing of Power Generation Unit

 

Tenaga Nasional Bhd., Malaysia’s state-owned electricity company, is considering listing its power generation business on the local stock exchange next year following a corporate reorganization, according to people familiar with the matter.

The Kuala Lumpur-based power company is working with an adviser on its planned restructuring, and aims to finish the process as soon as the first half of next year, the people said. Upon completion, the plan is for a listing by introduction of the generation business, where investors would be given shares in the unit in proportion to their existing holdings in Tenaga, the people said.

Deliberations are at an early stage and there is no certainty the deal will proceed, said the people, asking not to be identified as the process is private. A representative for Tenaga said the company is not working on any groundwork for a listing, as its current focus is to drive operational efficiency for the generation unit.

Shares in Tenaga rose as much as 6.2% on Tuesday, their biggest advance since April 17. The rise outpaced the benchmark FTSE Bursa Malaysia KLCI Index’s uptick of as much as 2.1%.

Tenaga counts state-owned sovereign wealth fund Khazanah Nasional Bhd. and pension fund the Employees Provident Fund among its largest owners. The power utility won approval from shareholders in a special meeting in February to reorganize its power generation and distribution businesses into separate holding companies, according to a stock exchange filing.

The move is aimed at preparing for upcoming reforms in the electricity supply industry in Malaysia, the company said in a statement. The power generation unit’s earnings before interest and taxes in 2018 was 1.6 billion ringgit ($389 million), according to the statement. It is targeting 2.6 billion ringgit in 2025.

The power company would be following Malaysian conglomerate Sime Darby Bhd. which listed its property and plantation units by introduction in 2017.

Tenaga, which has a market value of about 59.3 billion ringgit, owns 47 plants in peninsular Malaysia with a total domestic generating capacity of 10,617 megawatts, according to its 2019 annual report. It also has a presence in the U.K., Kuwait, Turkey, Saudi Arabia, Pakistan, India and Indonesia.

U.K. Retailers Enjoy a Bit of Growth Before Lockdown Strikes

U.K. retail sales rose as shoppers stocked up on food and other home supplies before a second lockdown took effect.

The British Retail Consortium recorded an 5.2% increase in October compared to a year earlier on a like-for-like basis. The data includes online sales, which climbed almost 40%.

Shops are having a rough time as coronavirus restrictions keep Britons at home. Restaurants and non-essential stores have been forced to close again to contain the pandemic until at least Dec. 2, darkening the outlook further.

“During an incredibly challenging year for the industry, many retailers had finally thought that they were finding their footing,” said Helen Dickinson, chief executive officer of the BRC. “The new lockdown in England will now throw away this progress as we enter the crucial Christmas trading period.”

Overall consumer spending slipped 0.1% last month from a year earlier, a separate survey by Barclaycard showed. Still, spending on food and other essential items jumped as households started to stockpile amid signs another lockdown was coming.

They also splashed out on takeaways and box sets ahead of the long winter nights. Online shopping and home deliveries continued to be popular, contributing to just over 45% of total retail spending last month, according to Barclaycard.

Local businesses enjoyed a surge in support, with nearly half of consumers staying closer to home. Early Christmas shoppers also boosted sales.

However, the lockdown that started Nov. 5 in England will halt the gains made in sales for many businesses. The BRC estimates that 2 billion pounds ($2.6 billion) worth of sales per week will be lost this month.

“The new national lockdown in England will only impact shopper confidence further so expect savvy shopping tactics to intensify in the run up to Christmas,” said Susan Barratt, chief executive officer of IGD, a think tank focusing on the food and consumer good industry.

U.S. Imposes More Sanctions Over China’s Hong Kong Crackdown

 

The U.S. is imposing sanctions on four more officials in its response to China’s crackdown on dissent in Hong Kong, including its imposition of a controversial national security law that has raised concerns about the preservation of basic freedoms in the city.

The U.S. announced Monday it would sanction Li Jiangzhou, deputy director of the Office for Safeguarding National Security, which was established under the new legislation; Edwina Lau, the head of the National Security Division of the Hong Kong Police Force; and Steve Li Kwai-Wah, the senior superintendent.

The U.S. also designated Deng Zhonghua, deputy director of the Hong Kong and Macau Affairs Office -- one of China’s key agencies overseeing the financial hub.

“These actions underscore U.S. resolve to hold accountable key figures that are actively eviscerating the freedoms of the people of Hong Kong and undermining Hong Kong’s autonomy,” the State Department said in a statement.

An agency spokesman didn’t reply immediately to a request for comment.

Hong Kong’s Opposition to Quit if China Disqualifies Any Members

Washington has already suspended its extradition treaty with the former British colony, ended reciprocal tax treatment on shipping with the city, and sanctioned senior officials who oversee Hong Kong, including Chief Executive Carrie Lam.

The moves are part of the Trump administration’s efforts to pressure China over the imposition of a national security law that has led to charges against pro-democracy activists. They follow up on an executive order to end preferential trading treatment for the city, which President Donald Trump and his team say is being treated as just another Chinese city.

President-elect Joe Biden has also been strongly critical of China over human rights issues including its crackdown in Hong Kong.

In response to earlier moves, China urged the U.S. to cease its “wrong moves” toward Hong Kong, with Foreign Ministry spokesman Zhao Lijian reaffirming Beijing’s position that the city’s affairs were a domestic matter. Hong Kong’s government said it “strongly objects” and “deplores” the Trump administration’s decision, repeating its vow to take up the complaints at the World Trade Organization.

China responded with retaliatory measures against U.S. senators and human rights activists, although Beijing has so far avoided senior White House officials.

source : bloomberg.com

Royalty Free Images Stock

If you are a blogger, where do you usually get image material for posts on your blog? Do you just take it directly from google images?

Well, you need to know that the images available on Google Images are not all free for you to use, because there are images that have copyright.

So what's the problem? Of course that's a big problem, if you want to develop a website, when there is duplicate content especially if there is copyright, either in the form of text or images, your website will rank down on search engines like Google, because it uses other people's images without permission, and worse. , You could be subject to criminal sanctions.

Google really doesn't like content that violates its rules, if you want to monetize your site or blog, of course it will also be an obstacle, or it could be banned.

So from now on in developing a site that you have, you must look for image providers that are royalty free (no credit required and copyright free), so that your site can compete and be seen well in the eyes of search engines. Don't download it carelessly on Google Images and republish it, but for personal use, of course, it can still be tolerated

In addition to images to fill site content, royalty-free images are also good for those of you who are just learning editing or image manipulation, of course this is one of the professional ethics, namely avoiding the stamp of a plagiarist.
Here are 12 sites that provide copyright-free free images

Saturday, November 7, 2020

Kamala Harris is first woman, African-American, South Asian to become US Vice-President

Kamala Harris

Harris began her career in the Alameda County District Attorney's Office. She became the top prosecutor for San Francisco in 2003, before being elected the first woman and the first black person to serve as California's attorney general in 2010

With a Democrat victory in the US presidential election, Kamala Harrris has become the next Vice-President-elect of the United States. She will be the first woman as well as the first African-American and South Asian to hold the office.

Here is all you need to know about Kamala Harris:

1. Kamala Harris childhood

Harris was born to two immigrant parents: a black father and an Indian mother. She was born in Oakland and grew up in Berkeley. Her father, Donald Harris, was from Jamaica, and her mother, Shyamala Gopalan, a cancer researcher, and civil rights activist, hailed from Chennai. After her parents divorced, Harris was raised primarily by her Hindu single mother. Harris has a younger sister named Maya Harris. Harris grew up embracing her Indian culture but lived a proud African-American life. She often joined her mother on visits to India.

2. Kamala Harris education

The 55-year-old spent her high school years living in French-speaking Canada - while her mother taught at McGill University in Montreal. She then attended college in the US, spending four years at Howard University. After Howard, she went on to earn her law degree at the University of California, Hastings.

3. Kamala Harris political career in the US

Kamala Haaris
Harris began her career in the Alameda County District Attorney's Office. She became the top prosecutor for San Francisco in 2003, before being elected the first woman and the first black person to serve as California's attorney general in 2010.

During her nearly two terms in office as attorney general, Harris gained a reputation as one of the rising stars of the Democratic Party. She was elected California's junior US senator in 2017.

As a senator, Harris supported healthcare reform, citizenship for undocumented immigrants, ban on assault weapons, and progressive tax reforms, among others. Last year, in December, she ran for the  Democratic nomination for US President. However, Harris ended her campaign citing the shortage of funds.

Around 1.3 million Indian-Americans are estimated to have voted in this year's presidential election, according to research firm CRW Strategy. In the 2016 presidential election, 77 per cent of Indian Americans voted for Democrat candidate Hillary Clinton.

The US has left the Paris climate accord - what do you think next?

 

  Nations struck the Paris climate agreement in 2015.Credit: Chesnot/Getty
Regardless of who wins the US presidential election, the United States officially pulls out of the Paris climate agreement on 4 November. The move marks a blow to international efforts to halt global warming.

The landmark deal, struck in 2015, aims to limit global warming to “well below” 2 °C above pre-industrial temperatures. But in June 2017, US President Donald Trump announced that the United States — the world’s second largest emitter of greenhouse gases — would withdraw from the agreement.

Theboegis examines how the withdrawal will affect global efforts to mitigate climate change.
What is Trump’s climate legacy?

Trump’s decision to pull out of the landmark accord was the first major step in his campaign to systematically roll back US federal climate policies set up during the administration of Barack Obama.

Trump has since reversed dozens of climate-related regulations, including rules on air pollution, emissions, drilling and oil and gas extraction. During his first term as president, and in his re-election campaign, he made no secret of his preference for fossil fuels and the industry which provides them. A report by the US energy department, released last month, lauds oil and gas as “providing energy security and supporting our quality of life”, without mentioning climate risks related to persistent use of carbon-rich fuels.

Although the United States played a major part in crafting the climate agreement, it will be the only one out of the nearly 200 parties to pull out of the pact. 

Which countries are taking the lead on climate-change mitigation?




China and the European Union have picked up the pieces. In September, China, the world’s top emitter of greenhouse gases, announced a bold plan to make its economy carbon neutral by 2060, using a combination of renewable energy, nuclear power and carbon capture. Likewise, the EU’s Green Deal, first announced in December 2019, sets out a road map for making the bloc carbon neutral by 2050. Compared with 1990 levels, the EU has already reduced its greenhouse-gas emissions by 24%. Legislation intended to achieve full carbon neutrality by the middle of the century is under discussion.

Other major economies, such as Japan and South Korea, pledged last month to become carbon neutral by 2050, but haven’t spelt out in detail how they will achieve it. In all, more than 60 countries worldwide — including all EU member states except Poland — have committed to achieving net-zero emissions by mid-century.

But without the United States, the balance among parties signed up to the Paris accord shifts in China’s favour on key issues that are yet to be settled. In particular, China could resist calls for detailed tracking and reporting of how countries are implementing policies and achieving their goals, says Michael Oppenheimer, a climate-policy researcher at Princeton University in New Jersey. “That bodes poorly for the effectiveness of the Paris agreement,” he says.

Neither China nor the EU can fully make up for the gap the United States has left, says Susanne Dröge, a policy specialist at the German Institute for International and Security Affairs in Berlin. “Leadership is not only about ambitious announcements, but also about a credible economic climate agenda as well as international cooperation,” she says.
Can the world cope with the US withdrawal?

The task will become harder. Although high-emitting countries are increasingly keen to curb global warming, experts warn that current climate and energy policies are not enough to keep the world below 2 °C of warming. There has been a marked drop in greenhouse-gas emissions this year — because of reduced travel and economic activity during the coronavirus pandemic — but that will do little to get the world nearer to its climate goal, experts caution.

Rising green-energy ambitions are some cause for hope. Globally, more energy is being produced from renewable sources each year. But analysts say that many countries, including the United States, are still pursuing energy strategies that prioritize and subsidize fossil fuels. And the amount of energy being made from fossil fuels is increasing, the International Energy Agency said in its latest World Energy Outlook, published last month.

“Green energy is not yet replacing fossil fuels — it is merely augmenting it,” says Timothy Lenton, a climate researcher at the University of Exeter, UK.
So what’s next?

Parties to the Paris accord have agreed to update their targets for 2030 in line with the latest evidence on the world’s remaining carbon budget. A special report from the Intergovernmental Panel on Climate Change on keeping warming to 1.5 °C, completed in 2018, made clear that the climate targets that countries think they can meet are not sufficient to halt global warming (see ‘Climate commitments’).

All remaining parties to the agreement must submit their new 2030 targets before the next major United Nations climate meeting, set to take place in Glasgow, UK, in November 2021 (this year’s climate summit was postponed because of the pandemic). So far, only 14 have proposed or submitted revised targets.

“The US withdrawal, if it is sustained by the next administration, will inevitably cause some countries to reduce their level of effort on implementing existing commitments,” says Oppenheimer.
Might a new president get the United States back on board?

Democratic candidate Joe Biden has said that if he is voted president, he will rejoin the Paris accord early in his presidency. The United States could once more become a party to the Paris agreement 30 days after officially informing the United Nations Framework Convention on Climate Change that it wants to rejoin. The country would then need to submit a new emissions-reduction pledge for 2030.

Before Trump took power, the United States had committed to reducing emissions by 26–28% below 2005 levels by 2025 — a target that it is not on track to meet. Biden has promised to invest almost US$2 trillion in clean energy and low-carbon infrastructure, but he has not said what emissions-reduction target he might set if he becomes president.

Whatever happens, the country will have lost credibility on climate action, says Oppenheimer. “The United States can’t simply jump back in and pretend it’s all back to 2015,” he says. “It will need to work to regain trust.”

Ozone-hole Nobel winner, Montreal Protocol advocate, presidents’ adviser.

 

Mario Molina (right) and his supervisor (and fellow Nobel prizewinner) F. Sherwood Rowland in 1974.Credit: UCI
Mario Molina (right) and his supervisor (and fellow Nobel prizewinner) F. Sherwood Rowland in 1974.Credit: UCI

In the mid-1970s, Mario Molina helped to predict that global emissions of chlorofluorocarbons (CFCs) could deplete stratospheric ozone. A decade later, scientists at the British Antarctic Survey reported that a vast hole had appeared in the ozone layer over the South Pole. Molina’s tireless advocacy and scientific diplomacy helped to bring about the 1987 Montreal Protocol on Substances that Deplete the Ozone Layer, an international agreement to phase out CFCs and other ozone-depleting chemicals. Molina shared the 1995 Nobel Prize in Chemistry with his former adviser F. Sherwood Rowland and the Dutch chemist Paul Crutzen for their work on stratospheric chemistry. He died on 7 October, aged 77.

The Montreal Protocol, the first United Nations treaty to achieve universal ratification, reduced stratospheric chlorine and bromine, and the ozone hole has begun to recover. In 2003, former UN secretary-general Kofi Annan described the treaty as “perhaps the single most successful international agreement to date”. Its implementation, and Molina’s later work on air quality in megacities, and on climate change, improved the quality of life for millions worldwide. A treasured public figure in the United States and Mexico, he was a trusted adviser to US president Barack Obama.

Born in Mexico City, the son of a diplomat, Molina went to boarding school in Switzerland. He studied chemical engineering at the National Autonomous University of Mexico, in his home city, and applied chemistry at the University of Freiburg, Germany. Doctoral studies in physical chemistry at the University of California (UC), Berkeley, brought him to the United States, where he built his career.

At UC Irvine, he and Rowland calculated the threat posed by CFCs to the atmosphere (see M. Molina and F. Rowland Nature 249, 810–812; 1974). The chemical inertness that made CFCs valuable as refrigerants and propellants also prevents oxidation removing them from the atmosphere, where they become a Trojan horse for introducing chlorine to the stratosphere. There the gas can catalyse the destruction of ozone, allowing harmful high-energy ultraviolet (UVB) light to penetrate to Earth’s surface.

Communicating this work to the media and policymakers was Molina’s initiation into scientific diplomacy. These efforts created momentum for the phasing out of CFCs in aerosol cans, accelerated by the discovery of the ozone hole, and concluded with the Montreal Protocol. However, basic questions remained unanswered: why was the ozone hole localized over the South Pole, and seasonal?

Molina found the answer in the surface chemistry of ice particles that make up the beautiful ‘mother of pearl’ polar stratospheric clouds (PSCs) observed during the winter over the South Pole. During the dark, cold polar winter, stratospheric chlorine is stored in the relatively inert forms of gas-phase chlorine nitrate, hypochlorous acid and hydrogen chloride.

Molina and his research group, then at the Jet Propulsion Laboratory in Pasadena, California, did creative experiments to mimic PSC particles: reactions between ice surfaces and chlorine compounds led to the release of chlorine. The winter build-up of the gas in the Antarctic polar vortex due to such reactions leads to intense ozone depletion when sunlight returns in the polar spring.

A mystery remained as to why ice should be such an efficient catalyst for these stratospheric processes. Calculations based on the reactions of hydrogen chloride with a crystalline ice surface predicted that chlorine activation would be much less efficient than is observed in the lab or in the environment. Molina suggested that the difference might be due to a disordered surface layer, or quasi-liquid layer, on ice. At the Massachusetts Institute of Technology (MIT) in Cambridge, his research group did experiments confirming that hydrogen chloride at low stratospheric temperatures induced such disorder, and that it played a part in activating chlorine.

While he was institute professor at MIT between 1989 and 2004, Molina and his then-wife and long-time collaborator, Luisa Tan Molina, began work on air quality in mega-cities (broadly, those with more than ten million inhabitants) in the global south. To steer policy, the Mexico City Project combined unprecedented large-scale field studies of atmospheric chemistry in urban neighbourhoods, involving hundreds of international scientists, with in-depth analysis and stakeholder engagement. This work improved the air quality in his beloved home city.

In 2004, Molina relocated to UC San Diego and founded the Mario Molina Center for Strategic Studies on Energy and the Environment, a think tank based in Mexico City. In his last decades, he spent increasing time in Mexico, but remained an inspirational faculty member at UC San Diego. In 2014, he spearheaded a major public-outreach initiative on climate change, ‘What we know’, for the American Association for the Advancement of Science.

Molina could communicate the essence of a technical issue to anyone, with gentle diplomacy and scientific credibility. He served as a scientific adviser to several presidents of Mexico, and, as a member of the Vatican’s Pontifical Academy of Sciences, he advised three popes and co-authored the 2017 report ‘Well Under 2 Degrees Celsius: Fast Action Policies to Protect People and the Planet from Extreme Climate Change’. In his final months, he advocated passionately for mask-wearing to reduce the transmission of SARS-CoV-2 in Mexico.

Monday, October 26, 2020

Sell Annuity Payment

Annuity is an insurance contract in the form of investment, and provides a source of income in the form of periodic payments during an agreed period for the annuity recipient (anuitan) or the heir, starting now or at some time in the future. This investment can be a great addition to a retirement portfolio, but it can be quite confusing. Understand how annuities and the possible income work to help plan for the future and adjust your other investments. The steps below will show you how to accurately calculate annuity payments and estimate future income.

Structures Annuity Settlement

 

DEFINITION

An annuity is a financial product - in which funds are accrued on a tax-deferred basis - that can be used to fund fixed payments received at a later time, such as on retirement.

Understanding Annuities

Annuities come in many flavors, but almost all allow the individual to invest money that will later be returned to the individual as a flat payment. Most annuities have the potential to receive gains and losses on investment or interest as well. They can be a way to save for retirement, usually when the maximum IRA contribution is reached, to replace wages after retirement. You can buy an annuity from an insurance company or through a broker.

Fixed annuities, variable annuities, immediate payment annuities, and deferred income annuities are the main types. Annuity payments can be structured as a lump sum, set to continue a fixed number of payments, or continue over the life of the beneficiary. Although this type of payment is commonly used, it is not mandatory to create a payment plan. Some annuities have a survivor benefit (where the designated beneficiary continues to receive payments after your death), but not all do.

EXAMPLE

Consider the John and Martha couple. John and Martha accept a major lawsuit settlement after Martha got into a car accident. In order to ensure that they continue their income, since Martha can no longer work, John and Martha decide to buy an immediate payment annuity.

They fund their new annuity with a lump sum payment of $ 500,000 from settlement of the lawsuit. They also choose the length of time to proceed with the payment. From that choice, for example 20 years, for example, the amount they will receive a month will be calculated. The exact monthly amount may vary based on the annuity provider they choose.

Conclusion
Annuity is like a freezer full of ice cream ...

There are many flavors of ice cream, and each one tastes different, but all are still ice cream made from milk and sugar. Annuities come in different styles with various features, such as different flavors of ice cream. Freezers keep ice cream cold and allow you to save it for another day, just as an annuity allows you to save your money for another day. And, depending on how long you live, you may or may not eat all the ice cream.

How Do Annuities Work?

In general, annuities are very similar to squirrels hiding nuts for the winter. Buyers deposit the beans during abundance and withdraw the nuts later in winter when food is needed. Annuities generally have the added benefit of not only saving, but growing over time until withdrawals begin.

Life insurance companies are the main providers of annuities, even those sold by brokers, so most annuity structures are similar to life insurance. Annuities are payable by scheduled payment or lump sum. Annuity riders can sometimes be purchased to make payments to your beneficiaries after your death. The time when an annuity makes payments to beneficial owners or beneficiaries is called the annuitization phase or annuitization period.

The annuity is not FDIC insured, and the only coverage is from the company that issued the annuity. Some annuities (such as variable annuities) also run the risk of losing value if the investment does not go well. 

Types of Annuities

There are four main types of annuities. Each type of annuity often has a rider available to customize its features. 

Fixed Annuities

Receive a fixed rate over a period of time and can often be updated at the current rate.

Variable Annuities

Offers the opportunity to invest your payments and current balance into stocks, bonds, and cash. These are available in what are called "sub-accounts" - which resemble mutual funds. However, they are a different product. As with any investment, there are risks. If the investment loses its value, the principal (the amount you paid) can be lost. However, if the investment goes well, the value of the annuity has the potential to grow faster and be larger than fixed income options.

Immediate Payment Annuities

Immediately initiate payments immediately, while the remainder can earn interest. It is often used when someone receives a lump sum settlement of an insurance claim, lawsuit, or lottery win. Know that once you start receiving income, it is irreversible and you will no longer have access to your initial investment. The option to receive income is said to be "irrevocable".

Deferred Income Annuities

Can be either fixed or variable but designed to provide much future payment after purchasing an annuity.

What Does the Surrender Period Mean?

The delivery period for an annuity refers to the period of time, specified in the annuity contract, during which the owner of the annuity cannot withdraw funds without paying a penalty. It could take 10 years or more from signing the agreement.

During the delivery period, if the owner of the annuity has to withdraw funds for any reason, a surrender fee may apply. This is specified in the annuity contract and can be greater than 10%, with the percentage decreasing the longer the annuity is held. Not all annuities charge a surrender fee.

What Does the Income Rider Mean?

An additional income clause on an annuity is an option in a contract that allows fixed payments to be selected at a certain rate. For example, Betty wants $ 2,000 per month from her annuity when she retires. If this is chosen, it will affect the funding requirements of the annuity. Some companies charge a fee for the additional revenue section, and others only use it as part of their funding calculations.

What Are the Benefits of a Death Annuity?

A death benefit is a type of safety valve for annuities. If the owner dies, the annuity can - depending on the terms - pay out lump sum to the designated recipient.

What is the Annuity Return Rate?

The annuity rate of return is a calculation that shows how much money you will receive from the annuity compared to the amount you will pay into the annuity. The amount paid, the amount paid, the present value of money, the amount paid, and the amount paid are part of calculating the rate of return.

Difference between annuity and life insurance?

An annuity is not the same as life insurance, but a death benefit or survivor benefit can provide payments to the beneficiary of your choice.

Some life insurance packages allow you to redeem your policy for an annuity. This will allow you to transfer the cash value of life insurance to an annuity in a tax-deferred manner (rather than receiving cash and getting taxed immediately) thanks to a rule in the tax code called the 1035 exchange. However, if you transfer your policy this way, you lose. death benefit from a life insurance policy.

Are annuities a good investment?

As with any investment, whether an annuity is a good or a bad investment depends on the personal financial circumstances and the specific details of the annuity being purchased. The pros and cons of annuities must be weighed against your personal situation and goals. Annuities can be a good investment but will not be a good investment option for everyone.

How to Calculate Annuity?

Annuity costs and returns are calculated by the insurance company using individual actuarial statistics (such as your age and expected life span) along with the interest rate and type of the annuity. Many of the calculations are also company specific. This means there is no way for you to calculate the annuity yourself. The calculations will vary for each individual and each company that quotes annuities.

Even fixed-term annuities (where you'll receive payments for only a certain number of years) have company-specific calculations.

There are financial calculators available online to help you determine how much you can withdraw. It is based on investment, annuity length, payment frequency, and growth rate.

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This is Webex Costs

The call to work from home has made a number of 'online meeting' applications experience a surge in users. One of the instruments in accommodating video conferencing is Cisco's WebEx Meet.

Marina Kacaribu, Managing Director of Cisco Systems Indonesia, in a video interview about "Cisco Provides Free Webex Services to Support Indonesian Education in the Middle of the Covid-19 Pandemic", said the number of meetings at WebEx has increased by up to 2x.

"On March 18, 2020 alone, there are 4 million meetings every day at WebEx," said Marina, in a video interview, Thursday (26/3/2020).

In the first 20 days of March 2020, there were 7 billion meeting minutes at WebEx. Meeting duration at WebEx has also increased by 22%.

"On March 16, 2020 alone, there were 240,000 sign ups on WebEx every day," he added.

Recognizing the needs of society in the midst of the Covid-19 pandemic, Cisco Systems provides free WebEx services as a collaboration platform for all sectors including the education sector.

“Usually we provide free WebEx service for new users for a certain period of time. But now, we are freeing them without limit on the number of meetings, capacity and duration, ”said Marina.

Marina explained the advantages of Cisco WebEx including:

  1. Unlimited number of meetings
  2. Capacity of 100 people at each meeting
  3. There is no duration limit during the meeting
  4. Support Webex Teams
  5. Unlimited messages
  6. 1 GB cloud storage
In holding online meetings, the safety factor must be a priority. And Cisco provides free security, extended, and extended use licenses.
Cisco Umbrella Offer

Offers 90 days of trial service that acts as the first line of defense against threats on the internet wherever users go.
Cisco AnyConnect

Offers 90 days trial by enabling secure access to the corporate network for all users, from any device, any time and any location. (First stop VPN Head-end required).

"This security offer is available now until July 1, 2020," concluded Marina.

That way, employees can work from anywhere on a laptop or mobile device, while being protected from internet crime (On-Net or Off-Net).

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  • Enterprise. Based on. your needs. Contact Sales.

Website  : Webex

Friday, June 19, 2020

Getting the Most From Affiliate Marketing

Affiliate marketing is nothing new on the internet. However, it sure is something that many come and go after. When you are looking to start your own website or blog and add some affiliate marketing links to it, there are some things that you should know. Affiliate marketing is not for everyone. It is not for anyone that is looking to make money fast, nor is it for the impatient. You have to have two things in order to be successful with affiliate marketing, and those two things are patience, and determination. When you put those two together, there is no stopping you or what you can do with your affiliate marketing business.

Affiliate marketing can be done a few ways; it can be done through email, newsletters, websites, or blogs. By using any of these things, you can be successful if you are marketing to the right audience. Finding your readership, and catching them with good content is what it is all about. To do so, you need to know where they go and what they look for. Try starting with message boards to begin with. However, use some patience and don’t come off as the newbie know it all. Take some time and peak others interest. Add the link to your website or blog in your signature line at the message board that you are visiting, and most importantly, make sure that the message board is relevant to your market. If you have a website that pertains to a market that has to do with gardening, you will not want to be visiting a message board that is all about pregnancy. It is really quite simple to understand how these two things must be relevant to get results.

So, once you have found a busy message board that will allow you to include your link to your website in the signature of your posts, you are in business. Just start off by posting and chatting, and when someone asks a question that you know all about and answer to, answer it. This will peak their interest and before you know it, they will be clicking on the link in your signature and checking out your site. While doing this can be quite time consuming, it will pay off. Gain the other members trust, and you cannot go wrong.

The next thing that you should know about getting the most from affiliate marketing is that you should be writing articles. Writing articles on the market that you are promoting and then submitting them to article directories or ezines is a great way to get the most from your affiliate links and programs that you are a part of. Be sure that you include a link in the articles that you are submitting that will lead the readers back to your website. Doing so will get your site more traffic, and will pay off in the end. However, you will not want to submit the same articles that you have on your site to these directories. You will want different variations of the articles to be used in the directories. This is because when you submit these articles to the directories, you are going to see that by checking your back links, there are other webmasters using your articles. Which is also great because they will in return give you a back link to your site. However, they are depending on you to have a different article on your site than the one that you are submitting.

Affiliate marketing is something that takes work. You can not just set up your site and let it go. You have to work on it consistently to see a good amount of revenue come from it. However, make sure that you are doing everything that you can to get it seen. Use the best free tools that there are available to you, and pay for the ones that really work. You will find that you can get the most from the resources that are out there and available.

Easy Profits Using PPC In Your Affiliate Marketing Business

PPC is one of the four basic types of Search Engines. PPC is also one of the most cost-effective ways of targeted internet advertising. According to Forbes magazine, PPC or Pay Per Click, accounts to 2 billion dollars a year and is expected to increase to around 8 billion dollars by the year 2008.

Let us take a quick look at how PPC Search Engines work.

These engines create listings and rate them based on a bid amount the website owner is willing to pay for each click from that search engine. Advertisers bid against each other to receive higher ranking for a specific keyword or phrase.

The highest bidder for a certain keyword or phrase will then have the site ranked as number 1 in the PPC Search Engines followed by the second and third highest bidder, up to the last number that have placed a bid on the same keyword or phrase. Your ads then will appear prominently on the results pages based on the dollar amount bid you will agree to pay per click.

How do you make money by using PPC into your affiliate marketing business?

Most affiliate programs only pay when a sale is made or a lead delivered after a visitor has clickthrough your site. Your earnings will not always be the same as they will be dependent on the web site content and the traffic market.

The reason why you should incorporate PPC into your affiliate marketing program is that earnings are easier to make than in any other kind of affiliate program not using PPC. This way, you will be making profit based from the clickthroughs that your visitor will make on the advertiser’s site. Unlike some programs, you are not paid per sale or action.

PPC can be very resourceful of your website. With PPC Search Engines incorporated into your affiliate program, you will be able to profit from the visitor’s who are not interested in your products or services. The same ones who leave your site and never comes back.

You will not only get commissions not only from those who are just searching the web and finding the products and services that they wanted but you will be able to build your site’s recognition as a valuable resource. The visitors who have found what they needed from you site are likely to come back and review what you are offering more closely. Then they will eventually come back to search the web for other products.

This kind of affiliate program is also an easy way for you to generate some more additional revenues. For example, when a visitor on your site does a search in the PPC Search Engine and clicks on the advertiser bided listings, the advertisers’ account will then be deducted because of that click. With this, you will be compensated 30% to 80% of the advertisers’ bid amount.

PPC is not only a source of generating easy profits; it can also help you promote your own site. Most of the programs allow the commissions received to be spent for advertising with them instantly and with no minimum earning requirement. This is one of the more effective ways to exchange your raw visitors for targeted surfers who has more tendencies to purchase your products and services.

What will happen if you when you integrate PPC into your affiliate program?

PPC usually have ready-to-use affiliate tools that can be easily integrated into your website. The most common tools are search boxes, banners, text links and some 404-error pages. Most search engines utilize custom solutions and can provide you with a white-label affiliate program. This enables you, using only a few lines of code, to integrate remotely-hosted co-branded search engine into your website.

The key benefits? Not only more money generated but also some extra money on the side. Plus a lifetime commissions once you have referred some webmaster friends to the engine.

Think about it. Where can you get all these benefits while already generating some income for your site? Knowing some of the more useful tools you can use for your affiliate program is not a waste of time. They are rather a means of earning within an earning.

Best know more about how you can use PPC search engines into your affiliate program than miss out on a great opportunity to earn more profits.

Basic Affiliate Internet Marketing

All of us would love to make a little more money. Sometimes just a little to supplement an income can be a huge help. Today it is easier that you think to get a little extra cash in your bank accounts. Most of us today have our own personal websites. We can get them for free and use them as a method to keep others informed of what we are doing. You can actually turn your website into a way of making some extra cash for you. By placing some ads on your site, you have the potential to earn some cash.

When people go onto your site, if they see an ad that is interesting and click it on you receive what is known as a referral payment. The more clicks the better. Gradually your earnings will increase as your website gets viewed.

You’re not likely going to get rich with just your own personal website. However, it is a way to get started. There may come a time when you create another site and you can start turning this into a money making venture as well. You could sign up for an affiliate program and make money through their ads. To do this well you need to think of an appropriate affiliate program that readers of your site would appreciate. For example, if you site is about pets, you may want to look for affiliates that work with pet supplies, pet food or veterinary services. You’ll want to have affiliates that will enhance your site. Having ads for rare books or sporting goods on a pet’s website isn’t going to attract too much attention.

Once you have a site up and running, you need to get a list of affiliate companies that will give you their advertising banners. There are loads of companies on the net that will help you. You can also get performance statistics on them as well. You will be able to track how much you will earn and how you will be paid. Once you get a few banners onto your site you’ll be able to check the progress for yourself.

Two companies that are incredibly popular are commission junction and link share. These will both help you find affiliates for your website. They have loads of good, accurate information available on what companies would be best and how well they perform.

Signing up for one of these affiliate programs is easy. You will be asked for personal information so don’t be put off. This is necessary because they will be paying you commission money. You’ll be expected to give your social security number as well as take information. Once you sign up you will need to think about which programs to choose.

Commission junction has all of the information available on which companies pay which rates of commission. They also have information on how well and timely they make their payments. If a company is a shaky reputation, commission junction will know about it.

If you’re looking to make a little more money then it is easy. Why not take the first step and turn you personal website into a way to make cash. Fill up those blank spaces with advertisements and let the money roll in. you can always expand and create different websites. They more ads you can get the better. Affiliate programs are great ways to help you earn money. You can start off small with your own site and then expand into other areas. Eventually, you could build your own affiliate business. Look into affiliate marketing. It could be quite lucrative.

Affiliate Marketing: What Is It?

Affiliate marketing is a great way to make an extra income. Once you have everything all set up and ready to go, you can begin making an income from your efforts. Affiliate marketing is when someone else pays you a commission or a percentage of what you sell for them. For example, a coffee business may pay you 10% on all sales that you make for them. This is how it works:

When a business decides that they would like to have some help selling their product or service, they will then start an affiliate program. When they do this, they are allowing others to sign up and sell their products or a particular service that they are offering. The ones that sign up to the affiliate program have multiple ways that they can market the service or the product that we will get into later. However, the company that needs the help selling the product, will then give all of their affiliates a unique ID number that they can use in their links, and so that the company can see who the sale came from when a sale is made from an affiliate.

There are many different types of affiliate marketing programs. There are those that offer one time commissions off of a sale. Some of them might offer lifetime commissions, and others may pay just for leads that you can get them. Whether it is for a newsletter lead, or something else. Just having interested parties sign up for things for more information is another one.

The type of affiliate program that you choose to have is completely up to the person that is the owner of the business. They can decide the percentage, or flat rate that they are willing to pay for a sale or a lead. Then those interested can sign up and help them make sales and get leads for a certain amount of money.

Those signing up for affiliate marketing, and different programs to sell for others, can do this many ways. They can promote the services or the products on a website that is relevant to the affiliate programs that they are a part of. Or they can also promote them on a blog. Both of these are great ways to get traffic to your affiliate programs and make sales from them. Some even use email and newsletter marketing as a way to get sales for others as well. Which ever technique and way that you decide to use is up to you.

Once you have chosen the affiliate programs that you are wanting to market, you will then need to be sure to read all of the rules and stipulations for that program. Because all of them will be different. Some may not want their name used in the URL of your website, and some might also not want the particular product or service that you are selling for them used in the title tags for the page, or anywhere else on the page. Because of all of the different requirements and stipulations that you have to read, you may even need some software to help you sort it all out and decide which one is the best for you and your affiliate marketing business.

Choosing the affiliate marketing programs that you want to go with is not hard to do at all. Choose something that you know about, and that you can be known as an expert about. The more passionate you are about the service or product, the better, as it will shine through. Once you have all of your programs in place, check out SEO, and find out how to get your website up on the first page of the search engines. This is going to take hard work and determination, but you can do it.

Affiliate marketing is something that anyone can learn. Start out by reading a good ebook or blog by someone that is a pro for the best marketing tips and techniques that you can use. Learn from others that have done and accomplished what you are trying to do.

Affiliate Marketing: Tips On How To Spot A Scam

Many of us want new jobs with new opportunities. We are either bored with what we are doing at the moment and desire new challenges, or dislike the place we are currently working and desperately want a change. Many of us would love to run our own businesses. The freedom and independence that this brings, answering only to you and working when you want is an incredibly desirable thing. However, the reality of this materializing is slim to none in most people’s cases. Most of us don’t have the capital required to start a small business. Others are frightened off by the risk factor involved. Your steady income will be gone as well as the fact that nearly 90 % of all new businesses fail within the first year.

Affiliate marketing is a way around the risk and start up costs. Affiliate marketing costs nothing to join and the risk is minimal. You paid according to what you produce and not according to how the company is performing. There are many wonderful affiliate programs for you to get involved with, however as with anything one needs to be cautious.

Unfortunately, today we live in an age of internet and business fraud. Countless people loose large sums of money on these home business scams. Unfortunately, the world of affiliate marketing is not immune to this. While it is impossible to list every precaution a person should take, there are some signs that people can look for. These don’t always mean that the company is fraudulent but they should be looked into carefully.

Many lull themselves into a false sense of security when it comes to affiliate marketing programs. They feel that, there is no cost to them money wise so they have nothing to loose. However, this isn’t true. You may get away with no money being lost but you could lose loads of your next most precious commodity, that being time. You’re going to have to work very hard to build up your affiliate marketing business so you will want to be legitimate.

You should definitely ask the company for testimonials. Don’t rely on the ones that they post on their website. Anyone could have written these. Ask for names and addresses of people that you can contact to find out how the program worked for them. You can also try searching on your favorite search engine. By looking under scams or the company name, you’ll have a good chance of digging up any dirt that is there.

Read the testimonials carefully. If you find a few bad reviews, this shouldn’t put you off. Sometimes people just are not cut out for certain programs. If there is more good than bad then things are likely okay. You can also use these testimonials for advice on what to do and what not to do.

If you have problems finding information then this should be a warning. Good affiliate programs will have been around for a while and will have a track record. Resist the temptation to join up while the offer is still hot. If it is a good program it will still be there in 6 months time. If the product or service is worth having, there will still be plenty of profit to make out of it.

The lure of running our own businesses attracts many. However, the reality of what is involved stops most of us before we get started. Affiliate marketing is a way to work for you without the financial risk. There are many great affiliate marketing programs in existence today. However, there are also many companies that are fraudulent. When deciding who to go with, check for testimonials. Use the internet to dig up the dirt. Check the company’s track record. No track record at all can be as bad as a negative record. Beware of new companies. If they are worth it they will still be there in a few months time.

Thursday, June 18, 2020

Affiliate Marketing Tips

Affiliate Marketing Tips
Today, many of us want to pack up our jobs and be our own bosses. The idea of working for you attracts many. However, the reality of making it happen soon stops most. In fact the vast majority of us cannot get a business off the ground due to 2 main factors; the first being money and the second being risk.

Starting even a small business takes a fair amount of money. You need to buy or rent premises, purchase your stock and equipment and pay staff if you have them. You will also have other outside expenses such as advertising.

Risk is the factor that kills most businesses off. Even if you’re lucky enough to get the capital to start, nearly 90% of all small businesses fail in the first year. If yours is one of the lucky ones, you have to keep reinvesting your time and money to build up the businesses reputation. It could be anywhere from 5-7 years before any significant profit is seen. Most of us cannot wait that long which is what makes affiliate marketing such an attractive offer.

Affiliate marketing involves you, working as an affiliate for a merchant or company. You sell either goods or services and you’re paid on how much you produce. There are no costs and no risk. You put in what you choose and are rewarded accordingly.

Running an affiliate marketing business is challenging. You’ll have to work very hard to build it up. However, you’ll be rewarded for your hard work not someone else. Getting an affiliate marketing program going may seem difficult. The truth is it is down to you and how much you want to put in. There is no sure fire way to success but there are some good tips that you can follow to make you affiliate marketing scheme as successful as possible.

There are literally thousands of programs for you to choose from. However, to get started you may want to choose something that you are familiar with. This product or service may not be the hottest thing on the current market or make you a millionaire, but you will come off more confident and sincere with something you know and believe in.

This will also help when it comes to creating your site. Something familiar will allow you to be personal and creative. Trying to create a site around something you know little about will soon become boring and tedious.

Working with something familiar will also give you the some experience in the program. You can always expand at a latter time when you are more familiar with how things work.

Another good piece of advice is to watch the number of banners that you put up. A site full of banners will make the site look ugly and put off potential buyers. Carefully place your banners and use them to accent your site. Stuffing it full will not help.

Remember, in the world of affiliate marketing there is no such thing as the perfect program. Any particular program will be stuffed full of varying testimonials. Some will be great will others will have not done so well. You need to decide for yourself and not be put of by a few bad experiences. In the end it is down to you and how much you want to put in.

Affiliate marketing is a great way to make money and work for you. The risk to you is minimal and there is no start up cost. There are many great affiliate marketing programs out there and choosing the right one may seem like a daunting task. When you first start out remember to stick to what you know. Find something you know about and have an interest in. Make your site attractive to others and resist the urge to fill it with banners. This may end up having the opposite of your desired effect. Finally remember, there is no perfect program. Some will have success where others have failed. It is all down to you. Don’t give up.

Affiliate Marketing: Staying Away From Scams

Affiliate Marketing: Staying Away From Scams
Many of us are upset and frustrated with our current jobs. The low pay and sense of being undervalued drive many of us to dream of our own businesses. However, the costs combines with the risk factors stops most of us in our tracks. Affiliate marketing is a way for people to work for themselves with no risk. There is no cost to you and you’re paid on performance. However, today one has to be careful. There are plenty of scammers and con artists out there that are more than happy to take you money and hard work off of you. Unfortunately, affiliate marketing is not immune to these scammers. Daily, people are taken in by promises of big money with relatively little effort. In this article we will teach you some of the signs to look for and tell you how to spot a scam.

When you join an affiliate marketing scheme, you either going to sell a product or a service. With products, you usually have a choice and range to sell. How you decide to do this is largely up to you. You could also sell a service. Web page designs as well as increasing sales and internet traffic are all examples of services offered by affiliate marketing programs.

How many times have you seen as ad on the internet promising huge earnings? Things like “Earn 1000$ a day” or Join our program now and become a millionaire. If your look closely at these ads they are not actually selling anything. Any company that is just selling the opportunity to make money is likely a scam. True, some affiliate marketing companies will have attention grabbing headlines like the ones mentioned above. However, if you go on to read the ad and information, there will likely be a detailed description of what they company sells. They will also have a disclaimer and terms and conditions listed.

These companies that offer, the opportunity to make money are likely pyramid schemes. The only people paying money in are the ones actually joining. There is no income being created, just money being passed from person to person. Not only are these scams and you’ll loose what you invested, they are also illegal and you can face prosecution.

Another thing to watch out for is no free participation. If you have to pay to join then you may have stumbled upon a scam or what is known as a multilevel marketing program. Multi-level marketing programs are completely legal and some people make good livings out of them. However, if you’re not successful you may end up purchasing a bunch of products that you cannot sell.

True affiliate programs are free. That is part of their attraction. There are no costs to you and they should also be risk free. Any Affiliate marketing programs that demands your money is not an affiliate program. You should ask yourself why they are misrepresenting themselves this way if they are legitimate.

Many of us dream of being our own bosses. We would love to be able to take control of our lives and careers. The attraction of answering only to you combined with setting your own working hours and committing what your choose bring loads of people into the affiliate marketing schemes. Affilaite marketing can be an excellent way for a highly motivated, creative person to make an excellent living. There are some wonderful programs out there just waiting to be joined. However, for every great program there is likely one that is fraudulent. Con artists operate in many areas and unfortunate affiliate marketing is not immune.

Before joining, check to see what the company is selling. If they are not selling goods or services then they are likely an illegal pyramid scheme. If they require your own money to get started then they are what are known as a multi level marketing program. Affiliate marketing can be a great opportunity but you need to do your homework.

Affiliate Marketing Rules

So you have been wanting to get into affiliate marketing, and want to know the rules. You have your website and or blog all set up and ready to go. You have chosen your niche and market that you want to promote and make money off of. You just need links to start making money. Promoting other’s services and products is not something that is difficult to do. However, you will find that with all of the many companies that offer affiliate programs, and referral options, they all have their own rules that you must follow.

Affiliate marketing is pretty easy to follow, that is unless you have many different programs that you are a part of. When you start getting so many that you cannot remember the rules, or the guidelines that you have to follow, you might have a problem. This is because the rules for affiliate programs are as different as the companies. Each company is allowed to make their own rules. However, you might see many similarities. That does not mean that they are copying one another, or cloning their affiliate program so to speak, but yet it means that they have the same rules.

Affiliate marketing rules can be so very different. They can range from not mentioning the brand names that they sell anywhere on your website, to not have that particular market in your website URL. Because they are so different for each program and company that you promote, you are going to have to be sure that you read each one well and make sure that you understand it fully. If you all ready have your URL for your website, you may not be able to participate in some of the affiliate programs. This is because you will not meet the requirements for the rules.

Another rule that you are going to see often when you are into affiliate marketing is the page rank rule. Some of the companies that will allow you to promote their services or products will not want you to have a higher page rank than they do. Nor will they allow you to have a website that is higher in the search engine rankings. For example, if you were promoting coffee, and you wanted to become an affiliate for Folgers coffee. Your website would not be able to come up above the official Folgers coffee website in the search engine results when coffee, or Folgers coffee is used as the search term. The companies that have this rule in place for their affiliate marketing programs feel  as if your website were higher than theirs for the product that they are selling, that it would hurt their business tremendously. And, it just might. They would rather have the straight sales any day, than the commissioned sales. Who wouldn’t?

Keeping a spreadsheet of the affiliate marketing programs that you are a part of and their rules is a great idea. This way you are never confused and know just where you need to stand to be a part of that program. This is the best thing that you can do for your affiliate marketing business. Not only that, you will also find that some of the sites that have broken rules and have been caught have resulted in law suits. Cover your tracks and make sure that you are following the rules that are set by that company for the best results.

You will also find that there is a thing that is called affiliate marketing software. If you can find a program that fits your needs and will help you keep everything straight, you may not have to worry about keeping track of them yourself. Use your software to keep track and make sure that you are doing your affiliate marketing the right way. Your efforts will pay off eventually, and you will be glad that you went by the book and followed the necessary affiliate marketing rules.

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