My Buy Essay

Archive for December, 2009

What is Web 2.0?

There has been a lot of chatter lately about Web 2.0, as if the Internet is a versioned software application.

So what is Web 2.0? Simply put, Web 2.0 is a perceived transition of the web to web applications. Web 2.0 is the next generation of technology solutions where interactive content is the norm. There is no agreement on exactly what Web 2.0 means, depending on who you are speaking with, you may receive different explanations. At it’s heart, Web 2.0 is about the maturity of the Web and businesses that are thriving online. While many refer to Web 2.0 as companies that employ powerful web technologies, the key components of the new web are said to include: the web as a platform, collaboration, and syndication.

The Evolution of the Internet

The commercial web began as static html pages, and has progressed to well established sites created from content management systems. Most large websites contain dynamic content that is constantly changing, often the information provided is interactive or user specific. Amazon’s recommended products is an excellent example of the future, where web surfers receive personalized content based on their past surfing habits.

Web 2.0 is said to be the technological evolution. O’Reilly indicates that the dot-com bubble burst signified the beginning of Web 2.0 and a new generation of technology applications. The shakeout from the dot-com collapse pre-empted the technological revolution of Web 2.0. The dot-com companies that had survived the collapse seemed to have a few things in common. The first primary principle that the Web 2.0 companies share is that they use the power of the web to collaborate and grow. O’Reilly further defines Web 2.0 as a set of core principles and practices, with the primary principle being a thought process that the web is a platform.

Web 2.0 companies are said to not be constrained by traditional business models and philosophies. The hidden web, which is a fancy way of saying the technology behind the content that the web surfer sees, is becoming more and more powerful. Scripting languages that allow webmasters to employ technology and interact with users based on personal decisions or responses has personalized the Internet. While O’Reilly clearly outlines elements and components of Web 2.0, I think the general meaning that Web 2.0 is synonymous with the new generation of the Web.

While the techie types “got it”, many casual web surfers have not grasped the fact that the Internet is not versioned software. Which in effect has meant that Web 2.0′s meaning is limited to the evolution of the Internet and online business. Whether that means personalized content and user choice, or dynamically generated content that is ranked by weighing the websites popularity, the Internet is growing up.

Web 2.0 Companies for 2005 – web2.wsj2.com/the_best_web_20_software_of_2005.htm

More on Web 2.0 – .oreillynet.com/pub/a/oreilly/tim/news/2005/09/30/what-is-web-20.html

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When I came upon that little word — Niche — I wondered, “what is this thing called a Niche — and most importantly, can I find my own niche too?

What is A Niche

Well, A niche, is a service or product , that fills an unmet customer’s need — that is more of a speciality. You are not competing with the masses for a sale on an ebook or an affiliate tool. Instead, you carve out a small corner of the market for yourself on the Internet.

Well, the definition was simple, however, finding a niche that I felt comfortable with was going to be a chore, because I wanted to avoid the affiliate programs — and if possible find a company that privately carried their own affiliate program — without the quota’s and the many rules.

How to Find A Niche

When I started looking for a niche market, I started to make a list of my hobbies, what I liked to do, what I was interested in and what I was familiar with — to help me brainstorm. If this little task does nothing else, it will definitely give you an eye-opener to who you are.

Anyway, when the dust finally settled I realized that I wanted a niche where it would assist others — perform a service of some sort, and would compliment my current website. Not very decisive, but I had a direction.

Then it happened, just by chance, or maybe it was divine intercession — anyway, I received a personal email from one of the assistant manager’s from DentalPlans — stating that she liked my website and wondered if I would be interested in becoming an affiliate.

I looked at their website and the affiliate plan — and I knew that this affiliate program was for me.

Here’s What DentalPlan Offers

1. High conversion rate — 1-5% percent conversion ratio from click thrus.

2. Commission — $40 to $50.

3. Extremely high EPC.

4. Partner through DentalPlans private network — Your affiliate manager will answer any questions you may have — one on one assistance.

5. You can promote on-line or off-line or both.

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Look! You are going to steal any timeshare you buy on the resale market anyway. The resale market is just starting to come into it’s own. Prices fall in a market vacuum and there has been a market vacuum in resales since the timeshare industry started twenty-five years ago. Now, people such as us are starting to make a serious business of resales. This means that the least expensive weeks are going to get sold first. Like harvesting apples, you shake the tree and pick up the apples. The next time you have to shake the tree harder. The long-term prognosis is that resale timeshares will increase in price. I believe that anyone buying a resale in today’s market just isn’t going to get hurt unless they are entirely unknowledgeable about current market value or they are not looking for good product. At these prices, buy the best! It’s affordable.

So how do you find out what you should pay for a given property? This publication is certainly a good start, but not everyone advertising has a realistic idea of what their property is worth. The Internet also lists weeks for sale, but it is still young, therefore imperfect. The resort itself should yield some information and is always worth a call. Although it sounds self-serving, the best bet is to call a Real Estate Broker if one is involved with that property. Normally, people in general real estate are simply not yet knowledgeable about timeshares. Seek out a broker specializing in what you want. They are going to want to make a deal and will tell you what you will actually be able to purchase at the lowest price. They will also give you accurate detailed information about the resort itself. Further, a good broker will counsel you about your needs and try to direct you to the product, which will actually end up best serving you. They are not emotionally tied to any specific week or project. They know that if they do a good job for you, you will refer others to them and return for more yourself.

The most important criteria is to buy into the project you like the best. If you are buying just to exchange, this is still important. If you think you can buy a cheap February week in Hog’s Breath, Idaho and exchange it for the Whaler at Maui over Christmas, think again. It might happen once every 50 or 60 years, but generally you are not going to get great exchanges using an unexciting week to trade. It seems almost redundant to say, “Buy Quality!” but it needs to be said here… particularly at these prices. You can buy quality resort timeshares today for 20% to 30% of replacement value! Why would you not go for the best? Another thing just coming into the business is resale financing. We offer 80% four year loans to our customers so immediate cash requirements should not be a big problem. All we require is good credit and a good resort with the timeshare being purchased at a realistic resale price.

After you have selected your week and have obtained a good price, there are still a few things you should do for your own protection:

Get a policy of title insurance unless you know the history of the timeshare week. Sometimes people get a “great deal” only to find that there is a tax lien of several times the entire value attached to the week. In others, the original loan was never satisfied. The Seller might have paid it, but they never received a reconveyance. The great Savings and Loan debacle was famous for this. By the time the loan was paid, the S&L was no longer around and there was no one to sign the reconveyance. Some resale brokers do not bother with this. Our advice is that if they do not, don’t bother with them. In some cases, the title policy is so expensive relative to the price, it just doesn’t make sense to buy it. If that is the case, you should still research the title to make sure there are no visible defects.

Go through an escrow. Unless you are buying from someone you know, (and not often even then) you will be better off having the neutral third party holding the funds and deed until it is time to make the swap. In the east, attorneys perform this function.

The Seller is required by law to disclose anything wrong with the property, but how many know that? Further, what guarantee do you have that the Seller even knows that something might be wrong? Your best bet to protect yourself is still the Broker. Get references. Check with the usual agencies including the Real Estate Department to make sure that the Broker has a license. The resort itself might be able to refer someone who has had no problems. Title companies are also a good reference.

Have you picked up a trend here? Notice that as the industry matures, resales will start to look more like resales in the regular housing market. A fledgling resale marketing system will mature, develop good standards and the boomers will leave. As that continues, price of resales will start to stabilize at higher levels.

The timeshare product is incredible. It really enhances people’s lives and saves them a fortune on truly splendid vacations. As more understand this, more will purchase. The truly smart ones will purchase a resale through a licensed Broker just as you would a house. They will have many years of enjoyment and eventually probably get their investment (or at least most of it) back.

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With timeshare the use and costs of running the resort are shared among the owners. While the majority of Timeshare resorts are condominium vacation resorts, developers have applied the timeshare model to houseboats, yachts, campgrounds and motor homes.

History of Timeshare

The notion of a timeshare was originally created in Europe in the 1960s. A ski resort developer in the French Alps innovatively marketed his resort by encouraging guests to “stop renting a room” and instead “buy the hotel”. The developer was successful in increasing occupancy and the idea spread worldwide.

Timeshare Methods of Use

Timeshare owners may elect to:

* Use their usage time

* Rent out their owned usage

* Give it as a gift

* Exchange internally within the same resort or resort group

* Exchange externally into thousands of other timeshare resorts

Timeshare owners can elect to stay at their resort during the prescribed period, which varies depending on the nature of their ownership. They can rent out their week or give it as a gift to friends and family.

Timeshare offers owners the possibility to exchange their week, either independently or through several exchange agencies, to stay at one of the thousands of other resorts worldwide. The two largest exchange agencies are Resort Condominiums International (RCI) & Interval International [II] and there are several independent exchange agencies. RCI and II both have resort affiliate programs and members can only exchange to affiliate resorts. It is rare to find a dual affiliate resort, it is more common for a resort to be affiliated with only one of the larger exchange agencies. RCI is the largest with over 3,800 resorts split between its weeks and points programs. II has more then 2000 resorts. It is important when considering timeshare ownership to consider which locations and resorts you may want to travel to before making your purchase, because the timeshare resort you purchase at will determine which of the major exchange companies you can exchange through. Both RCI and II charge membership fees and exchange fees. They also bar members from renting weeks they have exchanged for.

Timeshare owners may also arrange a direct exchange, this requires locating a timeshare owner with the location and weeks both mutually desire. This form of exchange is rare but since it can save in exchange fees it is often sought after.

Color Time

Color time refers to the travel season for any given resort. For RCI, the designations are:

* Red: high demand season

* White: intermediate season

* Blue: low demand season

For II, the designations are:

* Red: high demand season

* Yellow: intermediate season

* Green: low demand season

Types of Ownership

* Fixed, Floating and Rotating Weeks

Ownership is often sold as weeks, the use of these weeks can be fixed, floating or rotating weeks.

* Fixed Week Ownership

The most basic timeshare unit is a fixed week; the resort will have a calendar enumerating the weeks roughly starting with the first calendar week of the year. As an owner you may own a deed to use a unit for a single specified week. For example week 26 normally includes the Fourth of July Holiday. If you owned Week 26 at a resort you could use your week every year.

* Floating

Sometimes a timeshare is sold as floating weeks. The ownership will be specific on how many weeks you own and from which weeks you may select for your stay. An example of this, a timeshare may be a floating summer week where the owner may request any week during the summer season generally weeks 22 through 36. In this example there would be competition for prime holidays such as the weeks of Memorial Day, Fourth of July and Labor Day. The weeks when schools may still be in session would not be so high in demand. Some floating contracts exclude major holidays so they may be sold as fixed weeks.

* Rotating

Some timeshare is sold as rotating weeks. In an attempt to give all owners a chance for the best weeks the weeks are rotated forward or backward through the calendar so one year the owner may have use of week 25, then week 26 the next year and then week 27 the year after that. This method does give each owner a fair opportunity for prime weeks but it is not flexible.

* Deeded vs. Right to Use

A major difference in types of timeshare ownership is that between deeded and right to use contracts. With deeded contracts the use of the timeshare resort is usually divided into weeklong increments and these are sold as fractional ownership and are real property. As with any other piece of real estate you may use your week, rent your week, give it away, or leave it to your heirs.

With right to use, the timeshare purchaser has the right to use the property in accordance with the contract but at some point the contract ends and all rights revert to the property owner. In other words, the right to use contract grants the right to use the resort for a specific number of years. In many countries there are severe limits on foreign property ownership so this is a common method for developing timeshare resorts in countries such as Mexico. Disney Vacation Club is also sold as a right to use.

* Vacation Clubs

Vacation clubs are organizations that may own timeshare units in multiple resorts in different locations. They are sold both as deeded or right to use and club members may reserve vacation time at any of the owned resort units based on availability.

* Points Programs

Resort based points programs are also sold as deeded and as right to use. Points programs annually give the owner an amount of points equal to the level of ownership. The timeshare owner in a points program can then use these points to make travel arrangements within the resort group. Many points programs are affiliated with large resort groups offering a large selection of options for destination. Many resort point programs provide flexibility from the traditional week stay. Resort point program members may request from the entire available inventory of the resort group.

Exchange company point programs are not a method of ownership nor are specifically associated with one resort or resort group. With the exchange company points programs the members may be limited to exchanging for weeks deposited by other members.

A points program member may often request fractional weeks as well as full or multiple weeks stays. The number of points required to stay at the resort will vary based on a points chart. The points chart will allow for factors such as:

* The popularity of the resort;

* The size of the accommodations;

* The number of nights;

* The popularity of the season;

* and the specific nights requested.

There is flexibility as well as complexity in point programs.

Important Note on Ownership

* With any of the above mentioned ownership methods, a timeshare owner is legally and contractually tied to that ownership.

* A timeshare owner has rights, responsibilities and legal obligations. Once the timeshare contract is made it is not easily ended.

* These contracts and obligations belong to the timeshare owner until the timeshare is sold or ownership is transferred through some other means.

Rescission Period

In many developer contracts (and often required by government statutes and/or regulations) there may exist a Rescission period. The Rescission period outlines how many days after a timeshare purchase, from a developer, that a buyer has an opportunity to change their mind and cancel the purchase. The Rescission period is usually only a few days long and the buyer must follow the cancellation procedure exactly or risk the request to rescind being ignored.

Types and Sizes of Timeshare Units

Timeshare properties tend to be apartment-style units ranging in size from studio units (with room for two) to three and four-bedroom units. These larger units can comfortably house large families. Timeshare units normally include fully equipped kitchens with a dining area, dishwasher, televisions, VCRs and more. It is not uncommon to have washers and dryers either in the unit or easily accessible on the resort. Kitchens are equipped to the size of the unit, so that a unit that sleeps four should have at least four glasses, plates, forks, knives, spoons, and bowls so that all four guests can sit and eat at once.

Timeshare units are usually listed by how many the unit will sleep and how many the unit will sleep privately.

* Sleeps 2/2 would normally be a one bedroom or studio

* Sleeps 6/4 would normally be a two bedroom with a sleeper sofa

Sleep privately refers to the number of guests who will not have to walk through another guests sleeping area to use a restroom. Timeshare resorts tend to be strict on the number of guests per unit. Unit size can effect demand at a given resort where a two-bedroom unit may be in higher demand than a one-bedroom unit at the same resort. The same does not hold true comparing resorts in different locations. A one bedroom with a great location may still be in higher demand than a resort with less demand. An example of this may be a one bedroom at a great beach resort compared to a two bedroom unit at a resort located inland from the same beach.

The concept of vacation timeshare has also been extended to luxury items such as planes and luxury cars.

Scope of Timeshare Industry

Today’s timeshare industry includes over 5000 resorts worldwide, for a total of 11 million timeshare “intervals” that have been individually sold to nearly 7 million families around the world. There are timeshare resorts around the world. Global timeshare sales total over $9 billion annually. ARDA, American Resorts Development Association, reported that in the USA, as of January 1, 2005, there were 1668 timeshare resorts serving 3.87 million US households. Ownership has increased in the USA 16.2 percent in 2004 and 13.8 percent in 2003.

There exists a resale industry for the resale of timeshare intervals. Many of these can be found searching the Internet as well as an active market in the online auction sites such as that on eBay.

Pros and Cons of Timeshares

The timeshare industry has been widely criticized and even sometimes likened to a travel scam. Unlike the customary renting arrangement, where the customer decides every year on the quality and price of accommodations, timeshare requires to make a major payment up front. There exist doubts as to whether timeshare buyers ever recover the money spent, but the vast majority of timeshare owners have no desire to exit the system and find the quality of their holiday accommodation makes their financial outlay a logical expenditure.

There are also some complaints that owners have to return to the same resort every year, but there exist several companies – the best known being Resort Condominiums International (RCI) & Interval International – that enable timeshare owners to exchange their weeks into literally thousands of resorts around the world. There are a growing number of independent timeshare exchange organizations available to timeshare owners.

Other complaints include issues surrounding the yearly maintenance fee. Some critics talk of ever escalating fees that mean owners cannot afford to keep their weeks due to financial pressure.

One of the major benefits of the product is the fact that vacation timeshare is real property. Resort developers purchase land in a location and develop a timeshare resort. They are actually selling consumers deeded weeks of real property at a specific location, meaning customers can do what they wish with the weeks they own. This flexibility includes the opportunity to rent out weeks that are not used or indeed to lend them to friends or family.

Like any other product, timeshare exchange is subject to the law of supply. This should make the exchange mechanism a fair and meritocratic system. For example if a timeshare owner deposits a studio apartment in low season that owner is unlikely to be able to exchange into a villa during a country’s high season. In practice the major exchange companies have proprietary exchange formulas that add complexity to the system. The study of and issues revolving around exchanging are beyond the scope of this article and should be researched before making any timeshare purchase.

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6. Oversight Intervention in Distinctive Markets: A Look at Regime Intervention and Antitrust Law via the Microsoft Circumstance
7. Colombian Management vs. The FARC. Who are they and what are they fighting for?
8. The place of oversight in the economy
9. Issues Cladding the New Federal Government
10. Issues in Australian Government and unconnected method
11. Presidential and conforming governments
12. 1984 Governmental curb to the media and bereavement of sequestration
13. Links between GDP, Consumption, Investment and Superintendence Charge
14. What are the paramount ideas of control and the public contained in the Indian Constitution?
15. Old hat of Roman Management
16. American denizen’s duties and obligations to the government based on the constitution
17. How has the Australian Control and media portrayed the fugitive situation?
18. The Government’s Lines in a Retail Conservation
19. E-Government and E-Procurement
20. Plan out Direction
21. Body politic & Resident Sway Accounting
22. How do control policies control the with of inequity in the distribution of income and wealth?
23. Rule control on the other side of resemblance
24. Regime Relations and task
25. Religion’s thrust on US administration
26. Government Censorship
27. Internet Bye-law – Government Involvement
28. What is presidential direction and orderly government?
29. US Airways and Government Aid
30. Globalisation and Guidance Incentives

By far the most effective and cost-effective way of advertising, especially for a new business is ezine advertising. It has 4 distinct advantages…

a.It’s easy to reach targeted prospects

b.It gives results fast. Typically, you should see results within 72 hours after your ad is published.

c.It’s easy to test your ad effectiveness

d.It’s easy to calculate your Return on Investment (ROI)

Most direct mail companies charge several hundred dollars per thousand mailing, whereas ezine advertising costs anywhere from five ten dollars to fifty dollars per thousand. This is definitely much more cost-effective

compare to advertising in magazines.

Although it is generally true that response rates to ads is better with higher subscriber count, there are exceptions where smaller subscriber lists yield higher returns. Because these subscribers are 100 percent opt-ins. Also these ezines in mention are highly informative and don’t have too many ads per publication. The chances of your ads being read are very high. The click through rates will be good if your ads are relevant to

the ezine content.

3 types of Ezine Ads

There are basically 3 types of Ezine ads namely, Classified ads, Sponsor ads and Solo Ads.

1.Classified ads &ndash This is the cheapest form of ezine advertising. Some publications offer free ads in exchange for your subscription. The ads are grouped in the middle or end of the publication.

2.Sponsor Ads &ndash The ads are placed at the top of the publication. They cost more than classified ads but more effective than classified ads.

3.Solo Ads &ndash These are mailed out separately from the main ezine. This is the most effective of the three types of ezine ads but also commands a premium.

Quick Guide to Ezine Advertising

1.Before you placed your ads, check out the quality of the prospective publication. Select three good ezines and subscribe to them. From the publications you would know what kind of audience these ezines are targeting, the content, and the number of ads per publication, which are crucial to your advertising campaign.

Pay close attention to the ads that run in each issue. If you see the same ad on a regular basis, chances are the ad is profitable for the advertiser. It is common sense that advertisers will continue to advertise in an ezine only if it is profitable.

If someone else is already promoting a similar product like yours in a particular ezine, give it a miss. It makes no sense to have two advertisers competing in one ezine. In any case, the publisher may not permit similar products.

2.Keep your ads short. Normally, the publisher will allow 5 to 7 lines of text with a maximum of 65 characters per line. Don’t sell your product or service in your ads. Generate interest and leads.

3.Write compelling headlines to draw readers.

4.Use your ads to direct prospects to your landing page, which may be a sales copy, course sign-up or ezine subscription.

5.Track response to your ads. This is crucial. Or you will have no idea if it is profitable to run the same ad again. In order to test the effectiveness of your ad, it is advisable that you run the same ad in at least 3 ezines. If you run your ad in only one ezine, and should campaign flop, you will not know whether the problem lies in your ad or ezine.

Due to recent popularity of ezine publishing, and depending on the publication, the lead-time can take anywhere from a few weeks to months. Factor in the lead-time if you have a time sensitive offer.

Test your ads with low-subscription ezine that don’t have a long waiting list. You don’t want to wait in line for a few months just to test out your ad, and imagine if it turned out to be a bummer. Advertise with low-cost, low subscription count ezines for a start. Until you have a proven winner, keep to low-cost, low-subscription ezines.