Free Software

Stainless steel in the iPhone four new glass design combined with industry standards, but without sacrificing comfort or functionality.

IPhone screen 4 also sensational four times the resolution of the screen on the iPhone 3GS. Sharpness and clarity of this screen will usually only find on the phone with OLED screen. While the A4 processor Apple make sure everything is running very fast.

Arrival multitasking functions that have been long-awaited did not disappoint. Press the Home button on the iPhone will quickly display the dock that allows to choose the various applications that want to open.

iPhone has a size of about 3.5 inches diagonally, but Jobs insisted that the device can menampikan four times more pixels compared to the previous screen. It makes the picture look sharper.
The new iPhone also has a camera in front that can be used for video conferencing, in addition there are also 5 MP camera and flash on the back. Today, video conferencing function FaceTime can only work if both users are connected using the iPhone 4 and connected with WiFi rather than mobile networks. jobs indicates that FaceTime will work on all cellular networks, which Apple says it needs 'some time' with service providers to be ready.

The new iPhone battery allows over 7 hours of talk time, the development of the old model which is only five hours. This device can also be used for browsing the internet for six hours with a cellular network, as well as 10 hours with the WiFi network.

As quoted on Yahoo News, this new iPhone will use the latest version of mobile software called iOS4 Apple, which Apple launched in April.

Software that offers several features like the ability to operate more than one program at the same time. the old iPhone and iPod touch can also use this software with free download on June 21 next, although not all the features offered could be used in such products.

New applications for these devices include popular games already enter the memungkinakan Farmville and Netflix users to watch live video.

Apple is also trying to strengthen relations between the iPhone and iPad tablet that releases 3 April. The new iPhone products also include application of e-reading eBooks, which means people can buy e-books from Apple or other device and can be read on either device.

"I think Apple knows how to teach people something that they will not know that they want this," said Michael Gartenberg, a partner of the company analysis, Altimeter Group

Nitro PDF Professional is commercial software for creating and editing portable document format (PDF)files. The product is intended for the professional market and runs on Windows PCs. The base software features include creating PDFs from over 300 file types; viewing, searching and printing PDFs; drag and drop PDF creation; convert PDFs to Microsoft Word; combining into one PDF; reviewing documents with text notes, stamps, drawings, and markup tools; fill, save and submit PDF forms; edit and insert text, images, and objects; perform advanced image editing and document assembly; design PDF forms; generate bookmarks, hyperlinks, and Bates numbering. The software contains a system printer driver for 'Printing To PDF'.
The software supports the current Adobe Acrobat open PDF specification.
Nitro PDF Professional is available for download on time-limited trial from the Nitro website. The company also supplies the widely used freeware PDF creator, PrimoPDF and freeware PDF converters, PDF to Wordand PDF to Excel.

Download Here : Click

comparing Publicity: Submitting Articles Online, PressReleases, Book Signings, and Blogs

The World Wide Web was an enormous step for mankind, a step not seen since Neil Armstrong sullied the surface of the moon. The idea behind the WWW came across as a veritable information highway where documents, data and info could be rapidly sent and accessed by millions the world over. The potential behind the web is enormous and even now the scope is not fully utilized. The possibilities for growth, for extended usage, are available and enormous yet the system is stagnating and it is very possible that people will soon turn away. The average person seeking information may well return to old-fashioned libraries and the good old book to find the information that they require if the face and image of the WWW is not altered very soon and in-line with customer demand.

The ability of any user to gain information from the Internet is enormous, simple and with positive results. But the information received is increasingly becoming that which a paying body prescribes and thus is advertisement biased or pointed towards the end purchase of a product. Hotels advertise a city or holiday resort with the point of view of potential tourists coming to stay. A detailed description of moon cakes in Taiwan although complete and detailed would certainly be with aim to make people buy some from the store hosting the website involved.

Initially the Internet was heralded as a one-stop point for gaining any type or form of information with the click of the mouse. This is certainly true except with regard to loose information that has no affiliation towards an end purchase or a users change of heart. Certainly this type of information is available and millions of websites exist but unless a user has prior information on how to access this site then the chance of it being found amongst the masses is minimal. Most web users find or locate information by using a search engine. Most web users input their request and wait for results to come up as prescribed and ordered by the search engine system. If for example a request was entered for “travel tales on the sea” many, possibly thousands of choices will appear in return. Number one in the pole position will probably be Amazon.com who feels certain that anybody looking for a story would probably find it amongst their collection – naturally obtainable at a price. The next on the list might be Ebay who feel that certain travel products might appease the searcher or it might be goarticles.com an articles selling service who would assume that travel tales of the sea would be somebody looking to buy such from them and for their own use.


Certainly each and every result that is produced on the first page would point the user towards large companies who are selling an item of one sort or another. The user though may in fact just want to read some Travel Tales of the Sea without having to fork out cash or to issue his/her credit card information over the Internet.

In the bowels of the search results in pages that are covered in dust will reside some very comprehensive and useful websites, eg: http://www.seadolby.com a website that is filled with free and in-depth Travel Tales of the Sea. The possibility of any user keeping interest long enough to get to this web site listing is minimal and long before it is reached the user has either fallen asleep or entered another search on a different note. In short the average user does not get past the first page of a search engines results and probably not past the first three that come up: e.g. amazon.com, ebay.com and goarticles.com

Although not-for-profit informational web sites are many and filled with amazing and detailed info these sites ability to gain attention on the world stage is difficult unless money is poured in to boost their ratings and rank positions on the search engine results. Nowadays many search engines have entered the pay-per-click arena with companies putting forward money to buy keywords that will most likely be used to boost their website. Some company buys the word “Travel” and this word is then basically lost forever to the lone free-for-all info site who cannot afford to pay money to boost their popularity.

The art of advertising and paying for positions on search engines is only available to the sites that can afford the exorbitant fees. Should a lone site owner who has built his site-up decide to fork out of his own pocket the money to boost his ratings this will only be achieved on one or two search engines or directories and the amount required to compete with the mega-sites is far beyond any hobbyist can afford. Naturally the ability to submit ones site on free inclusion pages and directories is available but as the webmaster and author behind Seamania found out, so much energy and time is spent on advancing the ratings of his site that not enough time is given to the writing of travel tales of the sea, which of course is the basis and sole point behind the website in the first place.

Large for profit websites can afford to hire web-orientated staff to control, advertise and spend time on boosting the rankings of their particular website. Single owner for profit websites can afford to pay marketing specialists and to buy keywords at exorbitant rates. The lone not-for-profit website owner can either spend all day and all week controlling and submitting his site to the thousands of ever changing search engines and directories and suffer from a serious loss of updated content on his/her website or place emphasis on building up content and never have a visitor to his portal.

Many other factors go towards reducing the effectiveness of the individual website than just search result rankings. Many single website owners operate outdated and very slow computers, use old or outdated software and only perform on odd occasions when not playing with their children or busy at work. Many other free info sites have found that subscribing to some lists to boost their rankings has in-fact reduced them to near invisibility. Google and now other search engines condemn sites for using link pages that they themselves do not agree with, so by simply subscribing or joining one of these sites Google may drop a future crawl of the website involved. It is also impossible for the lone not-for-profit website to keep up with ever changing trends and policies. Where payment is made for a lifetimes inclusion in a search engine, the next year may see the demise of this particular engine or its partnering up with another – thus the lifetimes inclusion becomes null and void and to prevent being dropped from the listings another fee is required – read the small print!

Other means to increase visibility is often initiated by offering advertising space to companies like Google, Barnes and Noble or other directories or affiliates. This can result in a slight income for websites (The Seamania website made 40US dollars over the last three months) but never enough to afford placement on search engine results or to purchase keywords. It is also against the grain for many free-info website owners to have to place advertising on their websites as not only is it taking up valuable space it detracts and reduces the free effect the content within. Furthermore should a website choose one companies advertising it may boost their rankings within one search engine but equally so reduce it in another’s e.g. allowing Google advertising space on an index page may increase the page rank in Google but seriously reduce it in Yahoos search results and possible exclusion from their Yahoo Directory.

>From the point of view of an Internet User in search of free and not-for-profit biased information he/she does not want to see endless sites where a visa card is required to proceed further. It would be very nice to see the advancement of such directories like Zeal.com who divide their listings into those for profit and those who generally provide valuable and non-profit orientated formation. Naturally the question arises as to how such a search engine would manage to cover the costs of these listings but generally with the amount of people available who regard the Internet as a toy and a hobby projects such as Editor of a category volunteers should not be hard to recruit. The other way would be to have search engines run and operated by governments like public libraries are or built and operated by universities as part of study programs – something practical for students to involve themselves with.

Directories abound whose content is managed by volunteers, the Open Directory Project being the most famous. But sites such as Seamania have found to their detriment that trying to get noticed in amongst the debris found in these directories is not easy. Seamania was originally listed as a Personal website in the boating category but over time the emphasis and content of the website has evolved to become a general travel website. It has though proved impossible to change the location of the site in the Dmoz directory to a travel listing rather than a boating listing.

If at all possible and to prevent users who are sick of being asked for their credit card information or being given 30 different porn sites upon entering Travel Tales of the Sea into a search engine, it would be nice to see a shift in emphasis in the way that the search engines operate their listings.

Certainly the idea of switching on a computer and being faced with two choices, one for sites that are-for-profit and one that points towards not-for-profit sites would be a dream come true. To enter in a search request and to not find amazon.com or ebay.com in the first few results would put cheer to any searchers hopes of finding what he wants. And maybe in this way a true exchange of information may be facilitated and the mass exodus of searchers back to the public library for information may be halted.

About The Author

Ieuan Dolby - Author and Webmaster of Seamania. As a Chief Engineer in the Merchant Navy he has sailed the world for fifteen years. Now living in Taiwan he writes about cultures across the globe and life as he sees it.

Here's a really simple way... to find out which affiliate program provides all the 7 packages to join an affiliate
program.

When I wanted to start to join an affiliate program it took me awhile to pick the best one. My inbox was filled up with all these advertisements and I just didn't know how to pick the right program.

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1. Look for the best commission.

You need a program that will pay you a good commission rate. It should pay you at least 20% of each sale. A good rate is 50% and anything above that is ideal. You should also look for how often they pay. Some programs pay you twice a month and sometimes every week. Most programs also only pay you
when you have earned a base amount.

2. Look for a good Back Office Support.

What is the support for your program like? Do they have a good list of Frequently Asked Questions "AKA", a contact email address with a quick response? Any more than 3 days for a response is too long. Programs that offer live chat is even better.

3. Statistics for you to see.

The program should offer an automated and immediate reaction to your statistics. They should automatically contact you when you receive a client, prospect, lead, customer or when you make a sale. It should also be ready to view in your downline as soon as you have the knowledge of the sale etc.

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It is important to have marketing tools to keep track of business and weekly training from successful people that is making it. If it has marketing letters or articles that is a plus.

5. Find out if you will get monthly reports or updates.

Every good program will have news and training updates sent to your inbox so you can learn what works best for the
program and what the top affiliates of the program are doing. You should also be able to read this on their website.

Data is all pervasive � it begins much earlier than the initial stages of client understanding and diligence, and extends far beyond helping revenue generation, encompassing cross and up-selling products or services. It also helps to understand the business risks and verify whether the regulatory compliance needs are met. The insurance industry depends on promises made on paper, which are eventually converted into supporting databases and document repositories. This article elaborates on the types of data, modes of data acquisition, data checks and usage, and the prevalent techniques for data management.

Data sources
Insurance industry's data can broadly be classified as employee-related, distribution-related, customer-related, product-related, operations- related and accounting-related. Of these categories, employee-related data is required purely for internal workforce operations management and the rest have a direct impact on the cost and revenue of the insurance company.

All data is collected and stored in databases, data warehouses and as documents or images.


Data management stages
Management of data could be defined in three major stages: Data Acquisition, Data Quality Management, and Data Exploitation or Data Utilization. Let us look at these in detail:

1.

Data acquisition results from new business management, internal operations (HR, accounting, distribution and product & policy management systems). These are made available in unique respective data structures, in an integrated way. One step up, they can be consolidated into data warehouses and document management systems, jointly referred to as the universe of the insurance enterprise data.
2.

Data exploitation could be done to cater to different needs like planning or analyzing growth of revenue, cost control, improving efficiency of operations, planning and executing business expansions, conceptualizing new products, and to provide data-related services to customers, distribution networks and employees.
3.

Data Quality Management: Most of the big insurance enterprises have been operational for several decades and hence the data available with them may not be 100% accurate. Many such insurance enterprises still use green screens for systems support and policy administration. Data quality could be maintained and ensured, by continuously checking, correcting and preventing data errors, thereby making data ready for exploitation.

The link between data acquisition, data quality management and data utilization could be described in the ICO (Input-Check-Output) model.

Let us look into the details of its individual components:

Data Acquisition (Input)
Structured data acquisition is critical to perform all subsequent data-related functions in an efficient and integrated manner. Data that is unstructured and not collected in databases is likely to create vacuums in data analysis. In today's insurance industry, data acquisition happens in five different broad segments:

1.

Customer data: Customer relationship management, customer self service portals, new business management systems and other customer touch point systems are the sources for acquiring this data. It comprises of customer's personal data such as family, contact, activities, complaints, service requests, financial, health, campaign offers, policies, loans and benefits info. This group of data is generally administered in CRM, customer portals, and IVRS.
2.

Distribution data: Distribution administration, sales & service management, compensation, compliance and other distribution touch point systems are the sources for acquiring this data. This group of data is generally administered in Distribution or Channel management systems, IVRS, FNA, quotation, applications and compliance management systems.
3.

Policy administration data: New business, underwriting management, claims, accounting and actuarial data are the sources for acquiring this data. It comprises of financial needs analysis, quotes, new business applications, cashier entries, lock/collection boxes, accounting, valuation, loss ratios, document images, turn around time, underwriting, claims and policy services info. This group of data is generally administered in legacy policy administration, claims, accounting and actuarial systems; however, there could be number of separate systems for underwriting, policy services and new business support systems.
4.

Product administration data: Product administration and pricing are the sources for acquiring this data. It comprises of product setup & management, profiling, pricing, profitability and product performance. A very few industries maintain market research data too. This group of data is generally administered in product management systems, actuarial systems, DWH and data marts.
5.

Employee data: It comprises of employee personal details such as contacts, activities, payroll, education qualifications, certifications, credentials, job history, training and development info. This group of data is generally administered in HRMS; however, in some cases there may be separate payroll and training & development systems.

Missing, unstructured or disintegrated data acquired in any of the above five categories would create a gap in the data management chain and hence it is recommended to fill up these gaps diligently.

Data Quality Management (Check)
Data acquired through various systems and databases needs to be checked for desired quality before being exploited. Data quality errors could result from inadequate verification of data stored in legacy systems, non-validated data leaks from the front end, inadequate integration, redundant data sources / stores, direct back-end updates, etc. In today's insurance Industry, data quality management is mostly ignored. Where implemented, it is done in one of the two ways described below.

Unstructured approach
Most enterprises rely on a few batch programs to check some portions of the data acquired, and most of the times, these programs are triggered by a serious problem identified in customer or financial data. Some enterprises schedule these batch runs and some still pursue to run only on demand. Such intermittent and unorganized batch runs can neither help to scale or integrate, nor make an impressive improvement to the overall data quality of the enterprise.

Structured approach
Structured data quality management, greatly contributes to scale up, integrate and thus create a big impact to the overall enterprise data quality. A structured data quality management model would pass through the following stages:

*

Extraction of data from source and/or target systems.
*

Run quality checks for identifying data transfer errors, data link/reference errors and domain integrity errors.
*

Create a data quality mart to keep all the error records and all error-related details, to help in tracking and monitoring the aging of the problem and to do other analyses.
*

Integrate the data quality errors into problem/incident trackers so that closures can be tracked.
*

Provide online data quality error reports to the data owners along with its aging so that they can be fixed by them.

The data volume, sensitivity/criticality and the data quality error exposure risks play a vital part in designing the right frequency to run, level of follow up and escalations settings, etc.

The data quality errors are critical to be fixed & prevented in time so that businesses can stop revenue/opportunity losses, cut additional recovery expenses and build confidence of all stakeholders in the value chain. (There would be a separate paper discussing in detail on the evaluation of the existing data quality management along with gaps to help insurance industries to implement a proper data quality management system.)

Data Exploitation (Output)
Data acquired and checked thoroughly, is ready for exploitation. Data exploitation is the key stage which, if properly done, will help to reap the benefits of efficient data management. In other words, this is the value generation stage - which includes revenue growth, cost savings, operational efficiency gains, risk controls, etc, which are very critical for any business. This stage is also viewed as the information management stage. In Insurance industry today, the data exploitation which is the Output stage of the data management, is done in one of the two ways described below:

Legacy approach
Most enterprises extract data or information required on an ad hoc basis from their operational systems and use their applications or batch programs to generate some reports to help in decision making. This method is not sustainable when the demand grows or multi-dimensional needs come up or when data becomes voluminous. Moreover, data users need to trail behind a big Q number which might render it too late to initiate desirable action on an issue for which data was originally extracted.

Structured approach
With the advantages of structured information management already reinforced in the last couple of paragraphs, an enterprise would be easily able to adapt to any volume or time challenges, thus creating a big impact to the overall information needs that are critical to the functioning and growth of the enterprise. Structured information management implementation can be done as laid down below:

*

Enterprise Data Ware House (EDWH): Most enterprise data, which is called universe, needs to be extracted, loaded and transformed for information needs, and then segmented for summaries and details.
*

Data Marts: Specific business functions (for example � accounting, compliance, etc) can have their data marts to address the key business problems in their functions.
*

Reporting Needs: Detail lists and structured (authored and custom) reports can be published from DWH, data marts and operational data stores.
*

Analysis Needs: Summaries need to be done with appropriate dimensions and measures to enable multi-dimensional analysis from DWH and data marts.

Information management should be viewed from the perspective of enterprise needs that would cover all functions of the enterprise that would minimally or majorly impact the business. All functions of the enterprise can be seamlessly integrated through suitable enterprise information management systems.

Frequency of refreshing the EDWH and data marts, extent of data integration, efficiency summaries depend on the business need or pace; hence, they need to be worked out during the design stage. The data needs to be exploited by creating data marts, reports and analysis to bring value to the enterprise.

Conclusion
It is recommended that Insurance industries do a stock check of their data management implementation at all three stages: data acquisition, data quality management and data exploitation. The value of data management should be clearly understood and structured approaches need to be adopted at all stages. With these implemented, an enterprise can make informed decisions, refrain from information starving, remain highly integrated and scalable, and most importantly, stay ahead of competition.

Rajasekar Ramanathan, AVP & DH - Foreign Life & General Insurance, AIGSS