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• Looking for a better Factory pattern (Java)

  - by Sam Goldberg

  After doing a rough sketch of a high level object model, I am doing iterative TDD, and letting the other objects emerge as a refactoring of the code (as it increases in complexity). (That whole approach may be a discussion/argument for another day.) In any case, I am at the point where I am looking to refactor code blocks currently in an if-else blocks into separate objects. This is because there is another another value combination which creates new set of logical sub-branches. To be more specific, this is a trading system feature, where buy orders have different behavior than sell orders. Responses to the orders have a numeric indicator field which describes some event that occurred (e.g. fill, cancel). The combination of this numeric indicator field plus whether it is a buy or sell, require different processing buy the code. Creating a family of objects to separate the code for the unique handling each of the combinations of the 2 fields seems like a good choice at this point. The way I would normally do this, is to create some Factory object which when called with the 2 relevant parameters (indicator, buysell), would return the correct subclass of the object. Some times I do this pattern with a map, which allows to look up a live instance (or constructor to use via reflection), and sometimes I just hard code the cases in the Factory class. So - for some reason this feels like not good design (e.g. one object which knows all the subclasses of an interface or parent object), and a bit clumsy. Is there a better pattern for solving this kind of problem? And if this factory method approach makes sense, can anyone suggest a nicer design?

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• Blatant copyright theft

  - by Tom Gullen

  Found a user on the forum trying to solicit business for his website, a good user reported it and I checked the website out. Firstly and most dangerously it's attempting to sell our original software, which is open source. Our open source software is around 15mb big and he's serving a 50mb download and trying to sell it for $20. He's also stolen our CSS/images/site design in general which is all custom built. I attempted to open reasonable discussion with him, and he responded promptly saying he would remove offending materials if he could just have 3 days to sort it out which I accepted. I'm not sure what his plan was because everything on that site is offending material. Anyway he messaged back saying the site was offline, and it was, but it went back online shortly afterwards. It's pretty sickening that someone is selling open source work as their own, (the site about us page references him as the sole developer etc etc, it's unbelievable to read it). I want to shut it down, what are my options? I'm going to contact his domain registrar, web host, and Paypal (that's how he's selling the program). Any other ideas?

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• Could Wordpress be used/extended as a medium-size ecommerce site? [migrated]

  - by Aphelion

  Is wordpress reliable enough and could it be used with a proper plugin as a medium sized ecommerce site? We are talking around 1500 products here, estimates say around 5 to 10 costumers per day, usually returning ones. Some days none. I have a client who wants to sell online. We are situated in a country where people dont see web as something serious enough. Still, they literally have a budget of pretty much none. And 1500 products to sell online. Magento, or any other open source ecommerce platform are out of the question, there is just no resources for starting something like that. Or any time. Only way is something free, small, absolutely not resource hungry as Wordpress. I have to fight with making it work with only what i have at disposal. Also, if you can recommend any wordpress plugin for the job(WP-ecommerce?), i will be very thankful. I guess something paid, up to maximum 50$ would work too.

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• Selling Federal Enterprise Architecture (EA)

  - by TedMcLaughlan

  Selling Federal Enterprise Architecture A taxonomy of subject areas, from which to develop a prioritized marketing and communications plan to evangelize EA activities within and among US Federal Government organizations and constituents. Any and all feedback is appreciated, particularly in developing and extending this discussion as a tool for use – more information and details are also available. "Selling" the discipline of Enterprise Architecture (EA) in the Federal Government (particularly in non-DoD agencies) is difficult, notwithstanding the general availability and use of the Federal Enterprise Architecture Framework (FEAF) for some time now, and the relatively mature use of the reference models in the OMB Capital Planning and Investment (CPIC) cycles. EA in the Federal Government also tends to be a very esoteric and hard to decipher conversation – early apologies to those who agree to continue reading this somewhat lengthy article. Alignment to the FEAF and OMB compliance mandates is long underway across the Federal Departments and Agencies (and visible via tools like PortfolioStat and ITDashboard.gov – but there is still a gap between the top-down compliance directives and enablement programs, and the bottom-up awareness and effective use of EA for either IT investment management or actual mission effectiveness. "EA isn't getting deep enough penetration into programs, components, sub-agencies, etc.", verified a panelist at the most recent EA Government Conference in DC. Newer guidance from OMB may be especially difficult to handle, where bottom-up input can't be accurately aligned, analyzed and reported via standardized EA discipline at the Agency level – for example in addressing the new (for FY13) Exhibit 53D "Agency IT Reductions and Reinvestments" and the information required for "Cloud Computing Alternatives Evaluation" (supporting the new Exhibit 53C, "Agency Cloud Computing Portfolio"). Therefore, EA must be "sold" directly to the communities that matter, from a coordinated, proactive messaging perspective that takes BOTH the Program-level value drivers AND the broader Agency mission and IT maturity context into consideration. Selling EA means persuading others to take additional time and possibly assign additional resources, for a mix of direct and indirect benefits – many of which aren't likely to be realized in the short-term. This means there's probably little current, allocated budget to work with; ergo the challenge of trying to sell an "unfunded mandate". Also, the concept of "Enterprise" in large Departments like Homeland Security tends to cross all kinds of organizational boundaries – as Richard Spires recently indicated by commenting that "...organizational boundaries still trump functional similarities. Most people understand what we're trying to do internally, and at a high level they get it. The problem, of course, is when you get down to them and their system and the fact that you're going to be touching them...there's always that fear factor," Spires said. It is quite clear to the Federal IT Investment community that for EA to meet its objective, understandable, relevant value must be measured and reported using a repeatable method – as described by GAO's recent report "Enterprise Architecture Value Needs To Be Measured and Reported". What's not clear is the method or guidance to sell this value. In fact, the current GAO "Framework for Assessing and Improving Enterprise Architecture Management (Version 2.0)", a.k.a. the "EAMMF", does not include words like "sell", "persuade", "market", etc., except in reference ("within Core Element 19: Organization business owner and CXO representatives are actively engaged in architecture development") to a brief section in the CIO Council's 2001 "Practical Guide to Federal Enterprise Architecture", entitled "3.3.1. Develop an EA Marketing Strategy and Communications Plan." Furthermore, Core Element 19 of the EAMMF is advised to be applied in "Stage 3: Developing Initial EA Versions". This kind of EA sales campaign truly should start much earlier in the maturity progress, i.e. in Stages 0 or 1. So, what are the understandable, relevant benefits (or value) to sell, that can find an agreeable, participatory audience, and can pave the way towards success of a longer-term, funded set of EA mechanisms that can be methodically measured and reported? Pragmatic benefits from a useful EA that can help overcome the fear of change? And how should they be sold? Following is a brief taxonomy (it's a taxonomy, to help organize SME support) of benefit-related subjects that might make the most sense, in creating the messages and organizing an initial "engagement plan" for evangelizing EA "from within". An EA "Sales Taxonomy" of sorts. We're not boiling the ocean here; the subjects that are included are ones that currently appear to be urgently relevant to the current Federal IT Investment landscape. Note that successful dialogue in these topics is directly usable as input or guidance for actually developing early-stage, "Fit-for-Purpose" (a DoDAF term) Enterprise Architecture artifacts, as prescribed by common methods found in most EA methodologies, including FEAF, TOGAF, DoDAF and our own Oracle Enterprise Architecture Framework (OEAF). The taxonomy below is organized by (1) Target Community, (2) Benefit or Value, and (3) EA Program Facet - as in: "Let's talk to (1: Community Member) about how and why (3: EA Facet) the EA program can help with (2: Benefit/Value)". Once the initial discussion targets and subjects are approved (that can be measured and reported), a "marketing and communications plan" can be created. A working example follows the Taxonomy. Enterprise Architecture Sales Taxonomy Draft, Summary Version 1. Community 1.1. Budgeted Programs or Portfolios Communities of Purpose (CoPR) 1.1.1. Program/System Owners (Senior Execs) Creating or Executing Acquisition Plans 1.1.2. Program/System Owners Facing Strategic Change 1.1.2.1. Mandated 1.1.2.2. Expected/Anticipated 1.1.3. Program Managers - Creating Employee Performance Plans 1.1.4. CO/COTRs – Creating Contractor Performance Plans, or evaluating Value Engineering Change Proposals (VECP) 1.2. Governance & Communications Communities of Practice (CoP) 1.2.1. Policy Owners 1.2.1.1. OCFO 1.2.1.1.1. Budget/Procurement Office 1.2.1.1.2. Strategic Planning 1.2.1.2. OCIO 1.2.1.2.1. IT Management 1.2.1.2.2. IT Operations 1.2.1.2.3. Information Assurance (Cyber Security) 1.2.1.2.4. IT Innovation 1.2.1.3. Information-Sharing/ Process Collaboration (i.e. policies and procedures regarding Partners, Agreements) 1.2.2. Governing IT Council/SME Peers (i.e. an "Architects Council") 1.2.2.1. Enterprise Architects (assumes others exist; also assumes EA participants aren't buried solely within the CIO shop) 1.2.2.2. Domain, Enclave, Segment Architects – i.e. the right affinity group for a "shared services" EA structure (per the EAMMF), which may be classified as Federated, Segmented, Service-Oriented, or Extended 1.2.2.3. External Oversight/Constraints 1.2.2.3.1. GAO/OIG & Legal 1.2.2.3.2. Industry Standards 1.2.2.3.3. Official public notification, response 1.2.3. Mission Constituents Participant & Analyst Community of Interest (CoI) 1.2.3.1. Mission Operators/Users 1.2.3.2. Public Constituents 1.2.3.3. Industry Advisory Groups, Stakeholders 1.2.3.4. Media 2. Benefit/Value (Note the actual benefits may not be discretely attributable to EA alone; EA is a very collaborative, cross-cutting discipline.) 2.1. Program Costs – EA enables sound decisions regarding... 2.1.1. Cost Avoidance – a TCO theme 2.1.2. Sequencing – alignment of capability delivery 2.1.3. Budget Instability – a Federal reality 2.2. Investment Capital – EA illuminates new investment resources via... 2.2.1. Value Engineering – contractor-driven cost savings on existing budgets, direct or collateral 2.2.2. Reuse – reuse of investments between programs can result in savings, chargeback models; avoiding duplication 2.2.3. License Refactoring – IT license & support models may not reflect actual or intended usage 2.3. Contextual Knowledge – EA enables informed decisions by revealing... 2.3.1. Common Operating Picture (COP) – i.e. cross-program impacts and synergy, relative to context 2.3.2. Expertise & Skill – who truly should be involved in architectural decisions, both business and IT 2.3.3. Influence – the impact of politics and relationships can be examined 2.3.4. Disruptive Technologies – new technologies may reduce costs or mitigate risk in unanticipated ways 2.3.5. What-If Scenarios – can become much more refined, current, verifiable; basis for Target Architectures 2.4. Mission Performance – EA enables beneficial decision results regarding... 2.4.1. IT Performance and Optimization – towards 100% effective, available resource utilization 2.4.2. IT Stability – towards 100%, real-time uptime 2.4.3. Agility – responding to rapid changes in mission 2.4.4. Outcomes –measures of mission success, KPIs – vs. only "Outputs" 2.4.5. Constraints – appropriate response to constraints 2.4.6. Personnel Performance – better line-of-sight through performance plans to mission outcome 2.5. Mission Risk Mitigation – EA mitigates decision risks in terms of... 2.5.1. Compliance – all the right boxes are checked 2.5.2. Dependencies –cross-agency, segment, government 2.5.3. Transparency – risks, impact and resource utilization are illuminated quickly, comprehensively 2.5.4. Threats and Vulnerabilities – current, realistic awareness and profiles 2.5.5. Consequences – realization of risk can be mapped as a series of consequences, from earlier decisions or new decisions required for current issues 2.5.5.1. Unanticipated – illuminating signals of future or non-symmetric risk; helping to "future-proof" 2.5.5.2. Anticipated – discovering the level of impact that matters 3. EA Program Facet (What parts of the EA can and should be communicated, using business or mission terms?) 3.1. Architecture Models – the visual tools to be created and used 3.1.1. Operating Architecture – the Business Operating Model/Architecture elements of the EA truly drive all other elements, plus expose communication channels 3.1.2. Use Of – how can the EA models be used, and how are they populated, from a reasonable, pragmatic yet compliant perspective? What are the core/minimal models required? What's the relationship of these models, with existing system models? 3.1.3. Scope – what level of granularity within the models, and what level of abstraction across the models, is likely to be most effective and useful? 3.2. Traceability – the maturity, status, completeness of the tools 3.2.1. Status – what in fact is the degree of maturity across the integrated EA model and other relevant governance models, and who may already be benefiting from it? 3.2.2. Visibility – how does the EA visibly and effectively prove IT investment performance goals are being reached, with positive mission outcome? 3.3. Governance – what's the interaction, participation method; how are the tools used? 3.3.1. Contributions – how is the EA program informed, accept submissions, collect data? Who are the experts? 3.3.2. Review – how is the EA validated, against what criteria?  Taxonomy Usage Example:   1. To speak with: a. ...a particular set of System Owners Facing Strategic Change, via mandate (like the "Cloud First" mandate); about... b. ...how the EA program's visible and easily accessible Infrastructure Reference Model (i.e. "IRM" or "TRM"), if updated more completely with current system data, can... c. ...help shed light on ways to mitigate risks and avoid future costs associated with NOT leveraging potentially-available shared services across the enterprise... 2. ....the following Marketing & Communications (Sales) Plan can be constructed: a. Create an easy-to-read "Consequence Model" that illustrates how adoption of a cloud capability (like elastic operational storage) can enable rapid and durable compliance with the mandate – using EA traceability. Traceability might be from the IRM to the ARM (that identifies reusable services invoking the elastic storage), and then to the PRM with performance measures (such as % utilization of purchased storage allocation) included in the OMB Exhibits; and b. Schedule a meeting with the Program Owners, timed during their Acquisition Strategy meetings in response to the mandate, to use the "Consequence Model" for advising them to organize a rapid and relevant RFI solicitation for this cloud capability (regarding alternatives for sourcing elastic operational storage); and c. Schedule a series of short "Discovery" meetings with the system architecture leads (as agreed by the Program Owners), to further populate/validate the "As-Is" models and frame the "To Be" models (via scenarios), to better inform the RFI, obtain the best feedback from the vendor community, and provide potential value for and avoid impact to all other programs and systems. --end example -- Note that communications with the intended audience should take a page out of the standard "Search Engine Optimization" (SEO) playbook, using keywords and phrases relating to "value" and "outcome" vs. "compliance" and "output". Searches in email boxes, internal and external search engines for phrases like "cost avoidance strategies", "mission performance metrics" and "innovation funding" should yield messages and content from the EA team. This targeted, informed, practical sales approach should result in additional buy-in and participation, additional EA information contribution and model validation, development of more SMEs and quick "proof points" (with real-life testing) to bolster the case for EA. The proof point here is a successful, timely procurement that satisfies not only the external mandate and external oversight review, but also meets internal EA compliance/conformance goals and therefore is more transparently useful across the community. In short, if sold effectively, the EA will perform and be recognized. EA won’t therefore be used only for compliance, but also (according to a validated, stated purpose) to directly influence decisions and outcomes. The opinions, views and analysis expressed in this document are those of the author and do not necessarily reflect the views of Oracle.

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• In Email, Image (img) Source (src) Tags are rewritten as relative links. How to fix?

  - by Noah Goodrich

  I'm working on sending out an html based email, and every time it sends the image src tags and some of the anchor href tags are modified to be relative url's. Update 2: This is happening between when the body of the email is generated and sent and when it arrives in my inbox. Update: I am using Postfix on a LAMPP server. In addition, I am using Zend_Mail to send the emails out. For example, I have a link: src="http://www.furnituretrainingcompany.com/images/email/highpoint_2009_04/header.jpg" And it gets rewritten as: src="../../../../images/email/highpoint_2009_04/header.jpg" What can cause this to occur and how is it corrected? Email headers: Return-Path: <[email protected]> X-Original-To: [email protected] Delivered-To: [email protected] Received: by mail.example.com (Postfix, from userid 0) id 6BF012252; Tue, 14 Apr 2009 12:15:20 -0600 (MDT) To: Gabriel <[email protected]> Subject: Free Map to Sales Success From: Somebody <[email protected]> Date: Tue, 14 Apr 2009 12:15:20 -0600 Content-Type: text/html; charset="utf-8" Content-Transfer-Encoding: multipart/related Content-Disposition: inline Message-Id: <[email protected]> Original content to be sent out: <table align="center" border="0" cellpadding="0" cellspacing="0" width="600"> <tbody> <tr> <td valign="top"> <a href="http://www.furnituretrainingcompany.com"> <img moz-do-not-send="true" alt="The Furniture Training Company - Know More. Sell More." src="http://www.furnituretrainingcompany.com/images/email/highpoint_2009_04/header.jpg" border="0" height="123" width="600"> </a> </td> </tr> </tbody> </table> <table align="center" border="0" cellpadding="0" cellspacing="0" width="600"> <tbody> <tr> <td valign="top"><img alt="Visit us at High Point to receive your free training poster" src="http://www.furnituretrainingcompany.com/images/email/highpoint_2009_04/hero.jpg" moz-do-not-send="true" height="150" width="600"><br> </td> </tr> </tbody> </table> <table align="center" border="0" cellpadding="0" cellspacing="0" width="600"> <tbody> <tr> <td bgcolor="#ffffff" valign="top"><img alt="" src="http://www.furnituretrainingcompany.com/images/email/highpoint_2009_04/spacer_content_left.jpg" moz-do-not-send="true" height="30" width="30"><br> </td> <td bgcolor="#ffffff" valign="top"><font originaltag="yes" style="font-size: 9px; font-family: Verdana,Arial,Helvetica,sans-serif;" color="#000000" face="Verdana, Arial, Helvetica, sans-serif" size="1"><big><big><big><big><small><big><b>See you at Market</b></big><br> </small></big></big></big></big></font> <font originaltag="yes" style="font-size: 9px; font-family: Verdana,Arial,Helvetica,sans-serif;" color="#000000" face="Verdana, Arial, Helvetica, sans-serif" size="1"><big><big><big><big><small><br> </small></big></big></big></big></font><small><font face="Helvetica, Arial, sans-serif">Visit our space to get your free Map to Sales Success poster! This unique 24 X 36 color poster is your guide to developing high volume salespeople with larger tickets. Find us in the new NHFA Retailer Resource Center located in the Plaza. <br> <br> Don&#8217;t miss Mark Lacy&#8217;s entertaining seminar "Help Wanted! My Sales Associates Can&#8217;t Sell Water to a Thirsty Camel." He&#8217;ll reveal powerful secrets for turning sales associates into furniture experts that will sell. See him Saturday, April 25th at 11:30 AM in the seminar room of the new NHFA Retail Resource Center in the Plaza. <br> <br> Stop by our space to learn how our ingenious internet-delivered training courses are easy to use, guaranteed to work, and cheaper than the daily donuts. Over 95% report increased sales. <br> <br> Plan to see us at High Point. </font></small> <font originaltag="yes" style="font-size: 9px; font-family: Verdana,Arial,Helvetica,sans-serif;" color="#000000" face="Verdana, Arial, Helvetica, sans-serif" size="1"><big><big><big><big><small><small><br> <br> <br> <br> </small></small></big></big></big></big></font><small><font originaltag="yes" style="font-size: 9px; font-family: Verdana,Arial,Helvetica,sans-serif;" color="#000000" face="Verdana, Arial, Helvetica, sans-serif" size="1"><big><big><big><small> </small></big></big></big></font></small> <a href="http://www.furnituretrainingcompany.com/map"><img alt="Find out more" src="http://www.furnituretrainingcompany.com/images/email/highpoint_2009_04/image_content_left.jpg" moz-do-not-send="true" border="0" height="67" width="326"></a><br> <br> </td> <td bgcolor="#ffffff" valign="top"> <img alt="" src="http://www.furnituretrainingcompany.com/images/email/highpoint_2009_04/spacer_content_middle.jpg" moz-do-not-send="true" height="28" width="28"><br> </td> <td bgcolor="#ffffff" valign="top"><img alt="Roadmap to Sales Success poster" src="http://www.furnituretrainingcompany.com/images/email/highpoint_2009_04/image_content_right.jpg" moz-do-not-send="true" height="267" width="186"><br> <font face="Helvetica, Arial, sans-serif"><small><font originaltag="yes" style="font-size: 9px; font-family: Verdana,Arial,Helvetica,sans-serif;" color="#000000" size="1"><big><big><big><small><b>Road Map to Sales Success<br> </b><br> </small></big></big></big></font>This beautiful poster is yours free for simply stopping by and visiting with us at High Point. <span class="moz-txt-slash">Our space is located inside the </span>new NHFA Retailer Resource Center in the Plaza Suites, 222 South Main St, 1st Floor. We will be at market from Sat April 25th until Thur April 30th. </small></font><br> </td> <td bgcolor="#ffffff" valign="top"><img alt="" src="http://www.furnituretrainingcompany.com/images/email/highpoint_2009_04/spacer_content_right.jpg" moz-do-not-send="true" height="30" width="30"><br> <br> </td> </tr> </tbody> </table> <table align="center" border="0" cellpadding="0" cellspacing="0" width="600"> <tbody> <tr> <td bgcolor="#ffffff" valign="top"><img alt="" src="http://www.furnituretrainingcompany.com/images/email/highpoint_2009_04/disclaimer_divider.jpg" moz-do-not-send="true" height="25" width="600"><br> </td> </tr> </tbody> </table> <table align="center" border="0" cellpadding="0" cellspacing="0" width="600"> <tbody> <tr> <td bgcolor="#ffffff" valign="top"><img alt="" src="http://www.furnituretrainingcompany.com/images/email/highpoint_2009_04/spacer_disclaimer_left.jpg" moz-do-not-send="true"></td> <td bgcolor="#ffffff" valign="top"><img alt="" src="http://www.furnituretrainingcompany.com/images/email/highpoint_2009_04/spacer_disclaimer_middle.jpg" moz-do-not-send="true"><br> <font originaltag="yes" style="font-size: 9px; font-family: Verdana,Arial,Helvetica,sans-serif;" color="#666666" face="Verdana, Arial, Helvetica, sans-serif" size="1"><big><big><big><big><small><small><small>If you are not attending the High Point market in April but would still like to receive a free Road Map to Sales Success poster visit us on the web at <u><a moz-do-not-send="true" class="moz-txt-link-abbreviated" href="http://www.furnituretrainingcompany.com">www.furnituretrainingcompany.com</a></u>, or to speak with a Furniture Training Company representative, call toll free (866) 755-5996. We do not offer free shipping outside of the U.S. and Canada. Retailers outside of the U.S. and Canada may call for more information. Limit one free Road Map to Sales Success per company. Other copies of the poster may be purchased on our web site.<br> <br> </small></small></small></big></big></big></big></font> <font color="#666666"><small><font originaltag="yes" style="font-size: 9px; font-family: Verdana,Arial,Helvetica,sans-serif;" face="Verdana, Arial, Helvetica, sans-serif" size="1"><big><big><big><small><small>We hope you found this message to be useful. However, if you'd rather not receive future emails of this sort from The Furniture Training Company, please <a moz-do-not-send="true" href="http://www.furnituretraining.com/contact">click here to unsubscribe</a>.<br> <br> </small></small></big></big></big></font></small><small><font originaltag="yes" style="font-size: 9px; font-family: Verdana,Arial,Helvetica,sans-serif;" face="Verdana, Arial, Helvetica, sans-serif" size="1"><big><big><big><small><small>&copy;Copyright 2009 The Furniture Training Company.<br> 1770 North Research Park Way, <br> North Logan, UT 84341. <br> All Rights Reserved.</small></small></big></big></big></font></small></font><br> </td> <td bgcolor="#ffffff" valign="top"><img alt="" src="http://www.furnituretrainingcompany.com/images/email/highpoint_2009_04/spacer_disclaimer_right.jpg" moz-do-not-send="true"></td> </tr> </tbody> </table> <table align="center" border="0" cellpadding="0" cellspacing="0" width="600"> <tbody> <tr> <td bgcolor="#ffffff" valign="top"><img alt="" src="http://www.furnituretrainingcompany.com/images/email/highpoint_2009_04/footer.jpg" moz-do-not-send="true"> </td> </tr> </tbody> </table> <br> <br> Content that gets sent: <table border=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=3D"600" al= ign=3D"center">=0D=0A<tbody>=0D=0A<tr>=0D=0A<td valign=3D"top"><a href= =3D"http://www.furnituretrainingcompany.com"> <img src=3D"http://www.fur= nituretrainingcompany.com/images/email/highpoint_2009_04/header.jpg" bor= der=3D"0" alt=3D"The Furniture Training Company - Know More. Sell More."= width=3D"600" height=3D"123" /> </a></td>=0D=0A</tr>=0D=0A</tbody>=0D= =0A</table>=0D=0A<table border=3D"0" cellspacing=3D"0" cellpadding=3D"0"= width=3D"600" align=3D"center">=0D=0A<tbody>=0D=0A<tr>=0D=0A<td valign= =3D"top"><img src=3D"http://www.furnituretrainingcompany.com/images/emai= l/highpoint_2009_04/hero.jpg" alt=3D"Visit us at High Point to receive y= our free training poster" width=3D"600" height=3D"150" /><br /></td>=0D= =0A</tr>=0D=0A</tbody>=0D=0A</table>=0D=0A<table border=3D"0" cellspacin= g=3D"0" cellpadding=3D"0" width=3D"600" align=3D"center">=0D=0A<tbody>= =0D=0A<tr>=0D=0A<td valign=3D"top" bgcolor=3D"#ffffff"><img src=3D"http:= //www.furnituretrainingcompany.com/images/email/highpoint_2009_04/spacer= _content_left.jpg" alt=3D"" width=3D"30" height=3D"30" /><br /></td>=0D= =0A<td valign=3D"top" bgcolor=3D"#ffffff"><span style=3D"font-size: xx-s= mall; font-family: Verdana,Arial,Helvetica,sans-serif; color: #000000;">= <big><big><big><big><small><big><strong>See you at Market</strong></big>= <br /> </small></big></big></big></big></span> <span style=3D"font-size:= xx-small; font-family: Verdana,Arial,Helvetica,sans-serif; color: #0000= 00;"><big><big><big><big><small><br /> </small></big></big></big></big><= /span><small><span style=3D"font-family: Helvetica,Arial,sans-serif;">Vi= sit our space to get your free Map to Sales Success poster! This unique= 24 X 36 color poster is your guide to developing high volume salespeopl= e with larger tickets. Find us in the new NHFA Retailer Resource Center= located in the Plaza. <br /> <br /> Don&rsquo;t miss Mark Lacy&rsquo;s= entertaining seminar "Help Wanted! My Sales Associates Can&rsquo;t Sell= Water to a Thirsty Camel." He&rsquo;ll reveal powerful secrets for turn= ing sales associates into furniture experts that will sell. See him Satu= rday, April 25th at 11:30 AM in the seminar room of the new NHFA Retail= Resource Center in the Plaza. <br /> <br /> Stop by our space to learn= how our ingenious internet-delivered training courses are easy to use,= guaranteed to work, and cheaper than the daily donuts. Over 95% report= increased sales. <br /> <br /> Plan to see us at High Point. </span></s= mall> <span style=3D"font-size: xx-small; font-family: Verdana,Arial,Hel= vetica,sans-serif; color: #000000;"><big><big><big><big><small><small><b= r /> <br /> <br /> <br /> </small></small></big></big></big></big></span= ><small><span style=3D"font-size: xx-small; font-family: Verdana,Arial,H= elvetica,sans-serif; color: #000000;"><big><big><big><small> </small></b= ig></big></big></span></small> <a href=3D"http://www.furnituretrainingco= mpany.com/map"><img src=3D"http://www.furnituretrainingcompany.com/image= s/email/highpoint_2009_04/image_content_left.jpg" border=3D"0" alt=3D"Fi= nd out more" width=3D"326" height=3D"67" /></a><br /> <br /></td>=0D=0A<= td valign=3D"top" bgcolor=3D"#ffffff"><img src=3D"http://www.furnituretr= ainingcompany.com/images/email/highpoint_2009_04/spacer_content_middle.j= pg" alt=3D"" width=3D"28" height=3D"28" /><br /></td>=0D=0A<td valign=3D= "top" bgcolor=3D"#ffffff"><img src=3D"http://www.furnituretrainingcompan= y.com/images/email/highpoint_2009_04/image_content_right.jpg" alt=3D"Roa= dmap to Sales Success poster" width=3D"186" height=3D"267" /><br /> <spa= n style=3D"font-family: Helvetica,Arial,sans-serif;"><small><span style= =3D"font-size: xx-small; color: #000000;"><big><big><big><small><strong>= Road Map to Sales Success<br /> </strong><br /> </small></big></big></bi= g></span>This beautiful poster is yours free for simply stopping by and= visiting with us at High Point. <span class=3D"moz-txt-slash">Our space= is located inside the </span>new NHFA Retailer Resource Center in the P= laza Suites, 222 South Main St, 1st Floor. We will be at market from Sat= April 25th until Thur April 30th. </small></span><br /></td>=0D=0A<td v= align=3D"top" bgcolor=3D"#ffffff"><img src=3D"http://www.furnituretraini= ngcompany.com/images/email/highpoint_2009_04/spacer_content_right.jpg" a= lt=3D"" width=3D"30" height=3D"30" /><br /> <br /></td>=0D=0A</tr>=0D=0A= </tbody>=0D=0A</table>=0D=0A<table border=3D"0" cellspacing=3D"0" cellpa= dding=3D"0" width=3D"600" align=3D"center">=0D=0A<tbody>=0D=0A<tr>=0D=0A= <td valign=3D"top" bgcolor=3D"#ffffff"><img src=3D"http://www.furnituret= rainingcompany.com/images/email/highpoint_2009_04/disclaimer_divider.jpg= " alt=3D"" width=3D"600" height=3D"25" /><br /></td>=0D=0A</tr>=0D=0A</t= body>=0D=0A</table>=0D=0A<table border=3D"0" cellspacing=3D"0" cellpaddi= ng=3D"0" width=3D"600" align=3D"center">=0D=0A<tbody>=0D=0A<tr>=0D=0A<td= valign=3D"top" bgcolor=3D"#ffffff"><img src=3D"http://www.furnituretrai= ningcompany.com/images/email/highpoint_2009_04/spacer_disclaimer_left.jp= g" alt=3D"" /></td>=0D=0A<td valign=3D"top" bgcolor=3D"#ffffff"><img src= =3D"http://www.furnituretrainingcompany.com/images/email/highpoint_2009_= 04/spacer_disclaimer_middle.jpg" alt=3D"" /><br /> <span style=3D"font-s= ize: xx-small; font-family: Verdana,Arial,Helvetica,sans-serif; color: #= 666666;"><big><big><big><big><small><small><small>If you are not attendi= ng the High Point market in April but would still like to receive a free= Road Map to Sales Success poster visit us on the web at <span style=3D"= text-decoration: underline;"><a class=3D"moz-txt-link-abbreviated" href= =3D"http://www.furnituretrainingcompany.com">www.furnituretrainingcompan= y.com</a></span>, or to speak with a Furniture Training Company represen= tative, call toll free (866) 755-5996. We do not offer free shipping out= side of the U.S. and Canada. Retailers outside of the U.S. and Canada ma= y call for more information. Limit one free Road Map to Sales Success pe= r company. Other copies of the poster may be purchased on our web site.<= br /> <br /> </small></small></small></big></big></big></big></span> <sp= an style=3D"color: #666666;"><small><span style=3D"font-size: xx-small;= font-family: Verdana,Arial,Helvetica,sans-serif;"><big><big><big><small= ><small>We hope you found this message to be useful. However, if you'd r= ather not receive future emails of this sort from The Furniture Training= Company, please <a href=3D"http://www.furnituretraining.com/contact">cl= ick here to unsubscribe</a>.<br /> <br /> </small></small></big></big></= big></span></small><small><span style=3D"font-size: xx-small; font-famil= y: Verdana,Arial,Helvetica,sans-serif;"><big><big><big><small><small>&co= py;Copyright 2009 The Furniture Training Company.<br /> 1770 North Resea= rch Park Way, <br /> North Logan, UT 84341. <br /> All Rights Reserved.<= /small></small></big></big></big></span></small></span><br /></td>=0D=0A= <td valign=3D"top" bgcolor=3D"#ffffff"><img src=3D"http://www.furnituret= rainingcompany.com/images/email/highpoint_2009_04/spacer_disclaimer_righ= t.jpg" alt=3D"" /></td>=0D=0A</tr>=0D=0A</tbody>=0D=0A</table>=0D=0A<tab= le border=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=3D"600" align= =3D"center">=0D=0A<tbody>=0D=0A<tr>=0D=0A<td valign=3D"top" bgcolor=3D"#= ffffff"><img src=3D"http://www.furnituretrainingcompany.com/images/email= /highpoint_2009_04/footer.jpg" alt=3D"" /></td>=0D=0A</tr>=0D=0A</tbody>= =0D=0A</table>=0D=0A<p><br /></p><br><hr><a href=3D'http://localhost/ftc= /app/unsubscribe.php?action=3DoptOut&pid=3D6121&cid=3D19&email=3Dmarkl@f= urnituretrainingcompany.com'>Click to Unsubscribe</a>

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• OpenCart Service Scheduling

  - by Jason Palmer

  I am looking to develop an extension to OpenCart which will allow me to both sell products and sell scheduled services. For the scheduled services, I would like to have the storefront interface change so the customer sees a calendar. It would be Nirvana for the calendar to show only available dates/times, but at the very least they should see a calendar. Then, on the administrative side, there should be a place where there is a list of desired dates/times for scheduled services. I'm wondering if anyone is aware of community-developed extensions which do this, or come close? If not, any recommendations for how to accomplish this properly are welcome. Thanks in advance.

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• OO design for business logic

  - by hotyi

  I have one Sell Operation object and two Buy Operation objects, i want to implement such behavior that one Sell Operation discharges two Buy Operation, it looks like: sellOperation.Discharge(oneBuyOperation); sellOperation.Discharge(twoBuyOperation); so i want to ask whether i should call the repository function in the Discharge method, or i'd better call the repository save method outside Discharge method. like: opRepository.Save(sellOpertion); So anyone could give me some advise what are you going to implement in this scenario? using Service class or anything better way?

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• iPad book / cartoon contents plus Marvel like cartoons

  - by anthony

  Hi, I want to create and sell book / cartoons by individual episodes. What's the best way to to this? iBook from the apple store tends to sell by entire volume / book... I see an App from Marvel sells its contents by individual episodes, but I don't want to create / maintain shopping carts and stuff. (I am assuming iPad / iPhone users are downloading each cartoon episodes by their Marvel servers) I want to utilize Apple iBook / iTune store... Second questions: Is Marvel-like cartoons all jpg pictures showing frame by frame? Thanks in advance!!!

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• Custom dynamic error pages in Ruby on Rails not working

  - by PlanetMaster

  Hi, I'm trying to implement custom dynamic error pages following this post: http://www.perfectline.co.uk/blog/custom-dynamic-error-pages-in-ruby-on-rails I did exactly what the blog post says. I included config.action_controller.consider_all_requests_local = false in my environment.rb. But is not working. My browser shows: Routing Error No route matches "/555" with {:method=>:get} So, it looks like the rescues are not fired. I get the following in my log file: ActionController::RoutingError (No route matches "/555" with {:method=>:get}): Rendering rescues/layout (not_found) Is there some routing interfering with the code? I'm not sure what to look for. I'm running rails 2.3.5. Here is the routes.rb file: ActionController::Routing::Routes.draw do |map| # routing van property-url map.connect 'buy/:property_type_plural/:province/:city/:address/:house_number', :controller => 'properties' , :action => 'show', :id => 'whatever' map.myimmonatie 'myimmonatie' , :controller => 'myimmonatie/properties', :action => 'index' map.login "login", :controller => "user_sessions", :action => "create", :conditions => {:method => :post} map.login "login", :controller => "user_sessions", :action => "new" map.logout "logout", :controller => "user_sessions", :action => "destroy" map.buy "buy", :controller => 'buy' map.sell "sell", :controller => 'sell' map.home "home", :controller => 'home' map.disclaimer "disclaimer", :controller => 'disclaimer' map.sign_up "sign_up", :controller => 'users', :action => :new map.contact "contact", :controller => 'contact' map.resources :user_sessions map.resources :contact map.resources :password_resets map.resources :messages map.resources :users, :only => [:index,:new,:create,:activate,:edit,:profile,:password] map.resources :images map.resources :activation , :only => [:new,:resend] map.resources :email map.resources :properties, :except => [:index,:destroy] map.namespace :admin do |admin| admin.resources :users admin.resources :properties admin.resources :order_items, :as => :orders admin.resources :blog_posts, :as => :blog end map.connect 'myimmonatie/:action' , :controller => 'users', :id => 'current', :requirements => {:action => /(profile)|(password)|(email)/} map.namespace :myimmonatie do |myimmonatie| myimmonatie.resources :messages, :controller => 'messages' myimmonatie.resources :password, :as => "password", :controller => 'users', :action => 'password' myimmonatie.resources :properties , :controller => 'properties' myimmonatie.resources :orders , :only => [:index,:show,:create,:new] end map.root :controller => "home" map.connect ':controller/:action' map.connect ':controller/:action/:id' map.connect ':controller/:action/:id.:format' end ActionController::Routing::Translator.translate_from_file('config','i18n-routes.yml')

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• How to know there is something in the cell or not ?

  - by Harikrishna

  I have table like below in the html file: <table border="1"> <tr> <td>BuyQuantity</td><td>SellQuantity</td> </tr> <tr> <td>15D</td><td>&nbsp;<span style="font-family: &quot;Arial Unicode MS&quot;;"><o:p></o:p></span></p></td> </tr> <tr> <td>&nbsp;<span style="font-family: &quot;Arial Unicode MS&quot;;"><o:p></o:p></span></td><td>38D</td> </tr> <tr> <td>&nbsp;<span style="font-family: &quot;Arial Unicode MS&quot;;"><o:p></o:p></span></td><td>99D</td> </tr> <tr> <td>38D</td><td>&nbsp;<span style="font-family: &quot;Arial Unicode MS&quot;;"><o:p></o:p></span></td> </tr> </table> There are two columns: buy-quantity and sell-quantity.(It is only example but in each html file there is different content in the table.) Now with the content of these two columns I want to decide there is items bought or items sold.Like in the first row there is 15d buy-qauntity then items were bought and in the second row there is 38d sell-qauntity then items were sold and so on. And after deciding there is items-bought or items-sold I want to build one column named buy/sell for this table like below: ![alt text][1] [1]: http://C:\Documents and Settings\Administrator\My Documents\My Pictures\untitled.png How can I do this ?

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• [jQuery] Improving click/toggle function

  - by Nimbuz

  $('.tabs a ').click(function () { var a = $(this).attr('href'); if (a == '#tab-1') { $('.btn-buy').hide(); $('.btn-sell').show(); } else { $('.btn-sell').hide(); $('.btn-buy').show(); } return false; }); ... it works, but the code is ugly, too many lines. Can it be reduced any further? Thanks in advance for your help!

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• Get rid the slash in URL (ex. something.com/dogs)

  - by jbenes

  I recently purchased the domain name simply.do. I want to use it as a URL shortening service, but I don't like have to do simply.do/something. Can I remove the slash or replace it with a difference symbol? If this helps, I am using a server running Nginx and I will not switch to Apache. Thanks! I would also appreciate any feedback on the domain name. I was hoping to sell simply.do/insurance, simply.do/religion, etc. to various companies. Do you think there is a way I could sell these parts on an auction website? Thanks!

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• Anthony Lye Shows New Pharmaceutical Sales Solution: Turn the Screen Around

  - by charles.knapp

  Tomorrow, March 31, watch as senior vice president of CRM, Anthony Lye, and director of life sciences product strategy, Piers Evans, provide the first public look at Oracle's new Pharmaceutical Sales solution, powered by Oracle CRM On Demand 17 - Life Sciences Edition. You will see a next generation approach to sell more and report less. Register now for this informative global webcast on March 31, 9 AM PDT/4 PM GMT.

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• SOA &amp; E2.0 Partner Community Forum XIII registration is open

  - by Jürgen Kress

  INVITATION TO THE ORACLE SOA AND E2.0 PARTNER COMMUNITY FORUM Do you want to learn about how to sell the value of Fusion Middleware by combining SOA and E2.0 Solutions? We would like to invite you to become updated and trained at our SOA and E2.0 Partner Community Forum March on 15th and 16th 2011 in Utrecht, The Netherlands. Keynote: Andrew Sutherland and Andrew Gilboy The Oracle SOA and E2.0 Partner Community Forum is a wonderful opportunity to: learn how to sell the value of Fusion Middleware bij combining SOA and E2.0 solutions meet with Oracle SOA and E2.0 Product management exchange knowledge learn from successful SOA, BPM, WebCenter and UCM implementations understand Oracle's Fusion Applications Strategy network within the Oracle SOA Partner Community and the Oracle E2.0 Partner Community During this highly informative event you can learn about partner success stories, participate in an array of break out sessions, exchange information with other partners and enjoy a vibrant panel discussion. Additionally to the SOA and E2.0 Partner Community Forum, you can participate in technical hands on workshops on March 17th and 18th. The goal of these workshops is to prepare you for customer implementations. Places are limited, so don't delay and register now by clicking here. Registration takes a few minutes and is free of charge, except in case of cancellation or no show (cancellation fee € 150). For more information, please visit our website. Best regards Jürgen Kress & Hans Blaas SOA & E2.0 Partner Adoption EMEA Agenda March 15th 2011 Welcome & Introduction Keynote Oracle Middleware Strategy and information on Application Grid and Exalogic Andrew Sutherland, SVP Middleware Sales EMEA, Oracle Keynote Managing Online Customer, Partner and Employee Engagement with Oracle E2.0 Solutions Andrew Gilboy, VP E2.0 Sales EMEA, Oracle Partner SOA/BPM Reference Case Partner WebCenter/UCM Reference Case SOA Suite PS3 David Shaffer, VP Product Management, Oracle Why Specialization is important for Partners Nick Kritikos, Hans Blaas & Jürgen Kress, Alliances & Channels, Oracle   Agenda March 16th 2011 Welcome & Introduction Day II Breakout round 1 - SOA Suite 11g PS3 & OSB - Importance of ADF & JDeveloper - SOA Security IDM - WebCenter PS3, Whats new - E2.0 Sales Plays Breakout round 2 - WebCenter PS3, Whats new - Application Management Enterprise manager and Amberpoint - ADF/WebCenter 11g integration with BPM Suite 11g - Importance of ADF & JDeveloper - JCAPS & OC4J migration opportunities for service business Breakout round 3 - BPM 11g: Whats new - Universal Content management 11g - SOA Security Management - E2.0 Surrounding Products: ATG, Documaker, Primavera - Middleware Industry Value Propositions & Sales Play Fusion Application SOA & E2.0 Summary & Closing For registration and additional information, please visit our website. For more information on SOA Specialization and the SOA Partner Community please feel free to register at www.oracle.com/goto/emea/soa (OPN account required) Blog Twitter LinkedIn Mix Forum Wiki Website Technorati Tags: SOA Community,SOA,SOA Partner Community Forum,SOA Community Forum,OPN,Jürgen Kress

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• Analysis of nopCommerce

  - by chanva

  More and more medium-sized and small enterprises would like eCommerce website to sell their products or services.  Free and open source project should be the first choice.  I found out the nopCommerce is a good option, you could see the detailed analysis.

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• This Computer Slices, Dices, and Does it ‘All’ [Humorous Retro Video]

  - by Asian Angel

  Sit back and enjoy this entertaining retro computer ad as Rich DuLaney from the OS/2 Multimedia Presentation Manager/2 team jumps into ‘super salesman mode’ to sell you the Ultimedia M57SLC computer for only $3,395! It slices, It dices [via MUO] 6 Ways Windows 8 Is More Secure Than Windows 7 HTG Explains: Why It’s Good That Your Computer’s RAM Is Full 10 Awesome Improvements For Desktop Users in Windows 8

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• Free Webinar on Improving Your Customer Experience with Integrated Channels

  - by divya.malik

  Join Oracle's Regional VP of CRM On Demand- Justin Shriber, Selling Power Magazine's CEO, Gerhard Gschwandtner and IDC Research's Gerrard Murray in an interesting discussion on how to "Integrate Sales Channels to Maximize Revenue & Improve the Customer Experience". You will learn how to: - Build a unified revenue pipeline to shorten sales cycles - Deliver a personalized customer experience and maximize up-sell opportunities - Align sales across all interaction, including online, in person, and via mobile devices - Improve the quality of each and every customer interaction Don't miss the opportunity and register now

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• Bunny Inc. – Episode 2. Mr. CIO meets Mrs. Sales Manager

  - by kellsey.ruppel(at)oracle.com

  How can you take advantage of a modern customer experience in your sales cycle? What can Mr. CIO come up with to improve customer interaction and satisfaction? See how Enterprise 2.0 solutions can help Bunny Inc. improve business responsiveness to market requests, sell more and simplify post sales support! Bunny Inc. - Episode 2. Mr. CIO meets Mrs. Sales ManagerTechnorati Tags: UXP, collaboration, enterprise 2.0, modern user experience, oracle, portals, webcenter, e20bunnies

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• How do you get better at selling your idea/software/pitch?

  - by Sergio Tapia

  How do I gain the skills to properly pitch my ideas/bids to potential clients? What are the tried and true methods of improving this very necessary skill a freelancer is supposed to have in order to survive? I have a bit of trouble trying to sell my ideas to clients and convince them that this project can be done and done well within the time they ask, but so far I feel I'm lacking in that department and I want to WOW the pants off clients from here on out. Any suggestions?

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• Excellent Windows Azure benchmarks

  - by Sarang

  The Extreme computing group has released a fairly comprehensive set of benchmarks  for almost all aspects of WA. They have also provided the source code to alleviate all doubts that may surface with the MSFT logo lurking around the top right of their homepage :) (Which also resides at a cloudapp.net url). The code is simple and the tests comprehensive enough to hold as data points for customer interactions. Add to it the clean no nonsense Silverlight charts to render the benchmarks and you are set to sell. Technorati Tags: Azure,Benchmark,Extreme Computing Group

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• Upcoming Google Apps Marketplace Office Hours and Webinars

  The Google Apps Marketplace team will be hosting a series of upcoming events to help you learn how to sell your cloud application on the Marketplace and reach...

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• Keywords - What Are Keywords?

  Starting your own internet business is far more than designing and creating a website to sell your products and/or services. Before you do anything you need to find out if people are buying your products online and more importantly how they will find your website to buy your products. Just having a website is only part of the story of making money online.

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• Is Financial Inclusion an Obligation or an Opportunity for Banks?

  - by tushar.chitra

  Why should banks care about financial inclusion? First, the statistics, I think this will set the tone for this blog post. There are close to 2.5 billion people who are excluded from the banking stream and out of this, 2.2 billion people are from the continents of Africa, Latin America and Asia (McKinsey on Society: Global Financial Inclusion). However, this is not just a third-world phenomenon. According to Federal Deposit Insurance Corp (FDIC), in the US, post 2008 financial crisis, one family out of five has either opted out of the banking system or has been moved out (American Banker). Moving this huge unbanked population into mainstream banking is both an opportunity and a challenge for banks. An obvious opportunity is the significant untapped customer base that banks can target, so is the positive brand equity a bank can build by fulfilling its social responsibilities. Also, as banks target the cost-conscious unbanked customer, they will be forced to look at ways to offer cost-effective products and services, necessitating technology upgrades and innovations. However, cost is not the only hurdle in increasing the adoption of banking services. The potential users need to be convinced of the benefits of banking and banks will also face stiff competition from unorganized players. Finally, the banks will have to believe in the viability of this business opportunity, and not treat financial inclusion as an obligation. In what ways can banks target the unbanked For financial inclusion to be a success, banks should adopt innovative business models to develop products that address the stated and unstated needs of the unbanked population and also design delivery channels that are cost effective and viable in the long run. Through business correspondents and facilitators In rural and remote areas, one of the major hurdles in increasing banking penetration is connectivity and accessibility to banking services, which makes last mile inclusion a daunting challenge. To address this, banks can avail the services of business correspondents or facilitators. This model allows banks to establish greater connectivity through a trusted and reliable intermediary. In India, for instance, banks can leverage the local Kirana stores (the mom & pop stores) to service rural and remote areas. With a supportive nudge from the central bank, the commercial banks can enlist these shop owners as business correspondents to increase their reach. Since these neighborhood stores are acquainted with the local population, they can help banks manage the KYC norms, besides serving as a conduit for remittance. Banks also have an opportunity over a period of time to cross-sell other financial products such as micro insurance, mutual funds and pension products through these correspondents. To exercise greater operational control over the business correspondents, banks can also adopt a combination of branch and business correspondent models to deliver financial inclusion. Through mobile devices According to a 2012 world bank report on financial inclusion, out of a world population of 7 billion, over 5 billion or 70% have mobile phones and only 2 billion or 30% have a bank account. What this means for banks is that there is scope for them to leverage this phenomenal growth in mobile usage to serve the unbanked population. Banks can use mobile technology to service the basic banking requirements of their customers with no frills accounts, effectively bringing down the cost per transaction. As I had discussed in my earlier post on mobile payments, though non-traditional players have taken the lead in P2P mobile payments, banks still hold an edge in terms of infrastructure and reliability. Through crowd-funding According to the Crowdfunding Industry Report by Massolution, the global crowdfunding industry raised $2.7 billion in 2012, and is projected to grow to $5.1 billion in 2013. With credit policies becoming tighter and banks becoming more circumspect in terms of loan disbursals, crowdfunding has emerged as an alternative channel for lending. Typically, these initiatives target the unbanked population by offering small loans that are unviable for larger banks. Though a significant proportion of crowdfunding initiatives globally are run by non-banking institutions, banks are also venturing into this space. The next step towards inclusive finance Banks by themselves cannot make financial inclusion a success. There is a need for a whole ecosystem that is supportive of this mission. The policy makers, that include the regulators and government bodies, must be in sync, the IT solution providers must put on their thinking caps to come out with innovative products and solutions, communication channels such as internet and mobile need to expand their reach, and the media and the public need to play an active part. The other challenge for financial inclusion is from the banks themselves. While it is true that financial inclusion will unleash a hitherto hugely untapped market, the normal banking model may be found wanting because of issues such as flexibility, convenience and reliability. The business will be viable only when there is a focus on increasing the usage of existing infrastructure and that is possible when the banks can offer the entire range of products and services to the large number of users of essential banking services. Apart from these challenges, banks will also have to quickly master and replicate the business model to extend their reach to the remotest regions in their respective geographies. They will need to ensure that the transactions deliver a viable business benefit to the bank. For tapping cross-sell opportunities, banks will have to quickly roll-out customized and segment-specific products. The bank staff should be brought in sync with the business plan by convincing them of the viability of the business model and the need for a business correspondent delivery model. Banks, in collaboration with the government and NGOs, will have to run an extensive financial literacy program to educate the unbanked about the benefits of banking. Finally, with the growing importance of retail banking and with many unconventional players eyeing the opportunity in payments and other lucrative areas of banking, banks need to understand the importance of micro and small branches. These micro and small branches can help banks increase their presence without a huge cost burden, provide bankers an opportunity to cross sell micro products and offer a window of opportunity for the large non-banked population to transact without any interference from intermediaries. These branches can also help diminish the role of the unorganized financial sector, such as local moneylenders and unregistered credit societies. This will also help banks build a brand awareness and loyalty among the users, which by itself has a cascading effect on the business operations, especially among the rural and un-banked centers. In conclusion, with the increasingly competitive banking sector facing frequent slowdowns and downturns, the unbanked population presents a huge opportunity for banks to enhance their customer base and fulfill their social responsibility.

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• Windows 8 Launch&ndash;Why OEM and Retailers Should STFU

  - by D'Arcy Lussier

  Microsoft has gotten a lot of flack for the Surface from OEM/hardware partners who create Windows-based devices and I’m sure, to an extent, retailers who normally stock and sell Windows-based devices. I mean we all know how this is supposed to work – Microsoft makes the OS, partners make the hardware, retailers sell the hardware. Now Microsoft is breaking the rules by not only offering their own hardware but selling them via online and through their Microsoft branded stores! The thought has been that Microsoft is trying to set a standard for the other hardware companies to reach for. Maybe. I hope, at some level, Microsoft may be covertly responding to frustrations associated with trusting the OEMs and Retailers to deliver on their part of the supply chain. I know as a consumer, I’m very frustrated with the Windows 8 launch. Aside from the Surface sales, there’s nothing happening at the retail level. Let me back up and explain. Over the weekend I visited a number of stores in hopes of trying out various Windows 8 devices. Out of three retailers (Staples, Best Buy, and Future Shop), not *one* met my expectations. Let me be honest with you Staples, I never really have high expectations from your computer department. If I need paper or pens, whatever, but computers – you’re not the top of my list for price or selection. Still, considering you flaunted Win 8 devices in your flyer I expected *something* – some sign of effort that you took the Windows 8 launch seriously. As I entered the 1910 Pembina Highway location in Winnipeg, there was nothing – no signage, no banners – nothing that would suggest Windows 8 had even launched. I made my way to the laptops. I had to play with each machine to determine which ones were running Windows 8. There wasn’t anything on the placards that made it obvious which were Windows 8 machines and which ones were Windows 7. Likewise, there was no easy way to identify the touch screen laptop (the HP model) from the others without physically touching the screen to verify. Horrible experience. In the same mall as the Staples I mentioned above, there’s a Future Shop. Surely they would be more on the ball. I walked in to the 1910 Pembina Highway location and immediately realized I would not get a better experience. Except for the sign by the front door mentioning Windows 8, there was *nothing* in the computer department pointing you to the Windows 8 devices. Like in Staples, the Win 8 laptops were mixed in with the Win 7 ones and there was nothing notable calling out which ones were running Win 8. I happened to hit up the St. James Street location today, thinking since its a busier store they must have more options. To their credit, they did have two staff members decked out in Windows 8 shirts and who were helping a customer understand Windows 8. But otherwise, there was nothing highlighting the Windows 8 devices and they were again mixed in with the rest of the Win 7 machines. Finally, we have the St. James Street Best Buy location here in Winnipeg. I’m sure Best Buy will have their act together. Nope, not even close. Same story as the others: minimal signage (there was a sign as you walked in with a link to this schedule of demo days), Windows 8 hardware mixed with the rest of the PC offerings, and no visible call-outs identifying which were Win 8 based. This meant that, like Future Shop and Staples, if you wanted to know which machine had Windows 8 you had to go and scrutinize each machine. Also, there was nothing identifying which ones were touch based and which were not. Just Another Day… To these retailers, it seemed that the Windows 8 launch was just another day, with another product to add to the showroom floor. Meanwhile, Apple has their dedicated areas *in all three stores*. It was dead simple to find where the Apple products were compared to the Windows 8 products. No wonder Microsoft is starting to push their own retail stores. No wonder Microsoft is trying to funnel orders through them instead of relying on these bloated retail big box stores who obviously can’t manage a product launch. It’s Not Just The Retailers… Remember when the Acer CEO, Founder, and President of Computer Global Operations all weighed in on how Microsoft releasing the Surface would have a “huge negative impact for the ecosystem and other brands may take a negative reaction”? Also remember the CEO stating “[making hardware] is not something you are good at so please think twice”? Well the launch day has come and gone, and so far Microsoft is the only one that delivered on having hardware available on the October 26th date. Oh sure, there are laptops running Windows 8 – but all in one desktop PCs? I’ve only seen one or two! And tablets are *non existent*, with some showing an early to late November availability on Best Buy’s website! So while the retailers could be doing more to make it easier to find Windows 8 devices, the manufacturers could help by *getting devices into stores*! That’s supposedly something that these companies are good at, according to the Acer CEO. So Here’s What the Retailers and Manufacturers Need To Do… Get Product Out The pivotal timeframe will be now to the end of November. We need to start seeing all these fantastic pieces of hardware ship – including the Samsung ATIV Smart PC Pro, the Acer Iconia, the Asus TAICHI 21, and the sexy Samsung Series 7 27” desktop. It’s not enough to see product announcements, we need to see actual devices. Make It Easy For Customers To Find Win8 Devices You want to make it easy to sell these things? Make it easy for people to find them! Have staff on hand that really know how these devices run and what can be done with them. Don’t just have a single demo day, have people who can demo it every day! Make It Easy to See the Features There’s touch screen desktops, touch screen laptops, tablets, non-touch laptops, etc. People need to easily find the features for each machine. If I’m looking for a touch-laptop, I shouldn’t need to sift through all the non-touch laptops to find them – at the least, I need to quickly be able to see which ones are touch. I feel silly even typing this because this should be retail 101 and I have no retail background (but I do have an extensive background as a customer). In Summary… Microsoft launching the Surface and selling them through their own channels isn’t slapping its OEM and retail partners in the face; its slapping them to wake the hell up and stop coasting through Windows launch events like they don’t matter. Unless I see some improvements from vendors and retailers in November, I may just hold onto my money for a Surface Pro even if I have to wait until early 2013. Your move OEM/Retailers. *Update – While my experience has been in Winnipeg, similar experiences have been voiced from colleagues in Calgary and Edmonton.

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