Online Forums – How to Use an Online Forum

Online forums (also known as online discussion sites, message boards, newsgroups and internet forums) are powerful tools for sharing information. Their use has become omnipresent and wide reaching. Many people use discussion sites on a daily basis, whether it’s to gain knowledge, share ideas or simply to feel as part of a community.

Why use Online Forums?

* communicate with other like-minded people who have the same or similar interests

* exchange intellectual ideas and thoughts

* offer your opinion or advice

* submit materials for others to consider and provide feedback on such as your website, business ideas or questions

* find out new opinions and ideas

* be up to date with latest news and trends

* meet new friends and leads

Participating in forums is another way to stay in contact with persons belonging to the same community and to keep abreast of recent events. It’s a place to voice your opinions, be heard and discover other’s thoughts.

This social media outlet can become addictive. For some, Online Forums provide a haven; a place to escape the daily grind and indulge in the community aura. Forum usage is certainly a concern for employers, due to reduced productivity and procrastination on behalf of the users involved. However, most of us are thankful for their existence.

How to Use Online Forums:

The appearance of an online forum may seem daunting at first. There’s information, posts and threads flowing all over the home page in what appears to be an ad hoc manner. Occasionally, the initial reaction of first time users is to put discussion sites in the too hard basket. Here’s an easy step by step guide to using Online Discussions:

* Registration. Most discussion boards require you to become a member by registering or signing up in order to post. Invariably, you will need to provide a Username (your alias), password and an email address. The forum will also require your agreement to its terms and conditions.

* Validation. After registering to an internet forum, you will need to validate your email by following the validation link emailed to you by the site.

* Rules. Familiarize yourself with the rules and netiquette required by the forum. Generally, spamming, double posting and registering multiple user accounts is prohibited. Try to adhere in order to avoid being called a troll for unintentionally breaking the rules.

* Posting. A forum has predefined topics (called threads). Members may submit messages or comments (called posts) within these topics. The message will be enclosed in a box with the username, time and date notified either on the left hand side or appearing at the top of the post. Usually members are allowed to edit or delete their own posts. Many online forums limit posts to a certain number of characters.

* Threads. A thread (topic) is started by a post. Other members may then follow in the conversation started by the original post (sometimes called the thread starter). At times the responses and comments can become derailed. The tread generally displays posts in opposite chronological order (from first to current). The abbreviation OP often refers to the original poster. Some message boards enable you to customize the view to commence with the starting post. They may also have a thread view which shows the branching of replies in priority to chronological order.

* Moderating. Moderators monitor and enforce the message board rules. They may have access to all posts and threads or just those within their area of responsibility. Mods have the power to delete a post and to ban and suspend members who violate the discussion site’s policy. The moderator is usually the site owner’s friend. Among other responsibilities, they also help members in need and respond to complaints.

If you’re a first timer to online forums, try some smaller message boards to start with. Smaller sites still have that community feel and are more than happy to accommodate beginners. Once you become accustomed to the way discussion websites work, you can then join some larger expert message boards if you wish. Above all, don’t be shy to voice your opinion; that’s what forums are for.

Living in the Philippines – Best "Passive" Businesses to Start

For those OFW’s and foreigners wishing to start a business, but not wishing to involve themselves with the stress of a business involving day-to-day operations, employees, landlords, inventory, and so forth, there are several available opportunities for foreigners living in the Philippines. Buy fixer upper properties, improve them, then rent or sell them.

1. Buy Fixer Upper Properties, Improve Them, Then Rent or Sell Them. This is a great business for those of you who have experience in your home country in buying, fixing up and renting or selling properties. Over the past 10 years, a lot of people got involved in this kind of business in their homeland.

With the overall economic problems in the world the past couple of years, the Philippines has not been immune, and there are a lot of properties in a state of disrepair, as well as lot of distressed and foreclosed properties.

2. Build An Apartelle. An Apartelle is an apartment building where all but one of the units are rented out long term, and you are left to operate on a nightly or weekly basis, like a hotel – hence the combined name of apartelle. These are common in the Philippines.

This business will require a heavier capital investment, yet with the right property and by focusing in the more rural areas or smaller cities, you can construct a small 4 unit apartment building for Peso 3,000,000 – not counting cost of the land.

You would want to rent out 3 units on a long term rental basis, and keep one for short term rentals – for the many traveling salesmen that frequent the countryside. They like booking into such short term apartelle units rather than the much more expensive hotels in the area.

3. Condotels. I have not given this business my “thumbs up” in all instances. Condotels have been heavily touted and promoted the past several years and there have been many, many new condominiums built in Manila, and now even in Cebu and starting in Davao.

The problem is that although the developers offer great down payment terms (usually around 30% down financed over 3 years) and in some cases carry back the mortgage and finance for perhaps 10 years, the interest rates are incredibly high, and the split of rentals with the management team runs around 50%/50%. There is also always a nominal monthly maintenance fee.

What looks like “cheap” entry point and cash flow out each month, in many cases simply becomes a bet on long term property appreciation – finding someone willing to pay you more for it than you paid for it.

This is because with all the inventory on hand, there is a surplus of condos which have been into hotel type rental pools, but not enough visitors to rent them all.

Consequently, what an investor thought would be a good positive cash cow, turns out to be a continuous negative cash flow – not what a new retiree to the Philippines is looking for to supplement his pension or annuity! This type investment will only drain you pension.

However, having written all this, I HAVE FOUND the past several month two exceptional condotel investments which DO meet my criteria of creating good ongoing rental income.

4. Farming. The likely cessation of the Agrarian Land Reform Program (CARP) will give the rural sector renewed confidence to invest in agricultural production capacity. CARP has held back investment in both production capacity as well as farm acquisition. An end to CARP will mean higher land prices since land will be valued for its higher income producing potential.

However, higher land prices are simply a “serendipity”, an added value, to the type of farming business I am writing about. I have found an extremely unique business opportunity, which will generate a great ROI (return on investment) and is completely passive. It has been structured by the developers (all foreigners) to be a one turnkey investment price. The price includes cost of the land, plus all

Clearing, planting, cultivation and harvesting for the first 5 years.

The business has been priced to fit the capital investment budget of the average foreigner retiree, and all landowners will be members of a cooperative which will share the farming equipment (tractors, equipment shed, and others). The farm will be “farmed” by the developer’s management team

The hottest trend now is in organic farming, and yet it is only in its infancy stage in the Philippines. There is one export product in particular which has caught my attention – the pili nut. The Philippines is the ONLY country with which produces and processes this nut in commercial quantity.

The current status of the pili is equivalent to that of the macadamia some 30 years ago. It has huge potential to develop into a major industry. They are in demand not only in Hong Kong and Taiwan but also in Singapore, Korea and Austria.

Health and Its Dimensions

The most common theme of most cultures is fitness but there are different concepts of health as a part of their culture. Earlier health was considered as "absence of disease" which is not true. Health is not only the absence of disease it has various aspects. According to the latest definition wellbeing is a state of complete physical, mental and social wellbeing and not merely an absence of disease or infirmity.

Healthiness is a process of continuous adjustment to the changing demands of living and of the changing meanings we give to the life. It helps people live well, work well and enjoy themselves.

New philosophy of health regarding health as a fundamental right, it is an essence of productive life, it is an integral part of development and it is the central to the concept of quality of life and is a world wide social goal.

There are various dimensions of fitness it is not only physical factor corresponding to strength other factor included are mental, social, spiritual, emotional and voluntary.

Physical dimensions implying the notion of perfect functioning of body. Good complexion a clean skin, bright eyes, lustrous hair, firm body, sweet breath, good appetite, sound sleep, regular activity of bowels and bladder, smooth, easy and well coordinating bodily movements.

Mental dimension does not only include absence of mental illness. Good mental health is the ability to respond to various aspects of life of varying experiences with flexibility and a good sense of well understanding.

Social well-being exemplifies harmony and a good relation of an individual with the family members and the society. The interpersonal ties of a person and the involvement with the society are known as social well-being.

Spiritual dimension includes the search of an individual to find himself and to find the ultimate faith. Once a person has attained that ultimate faith it gives him a sense of fulfillment and satisfaction.

Emotional dimension includes the feelings and emotions and if a person is emotionally strong and satisfied he is safe from stress, depression and the person can perform all the roles of his life well.

Vocational dimension includes the work. It is believed that working is good for physical condition and work is sometimes fruitful in maintain both mental and physical condition of a human.

Types of Businesses – Definition of Business Types

A man is known by the company he organizes. – Ambrose Bierce

[Types of Businesses] – Owning your own business is a major part of having great economic success in a capitalistic society. There are many types of businesses to choose from so one of the first decisions you’ll make is the type of business to open. There are several options to explore for the structure of your business. This article will give you the definition of three of the most popular business types. These types of businesses are: (1) Sole Proprietorship, (2) Corporation, and (3) Limited Liability Company.

(1) Sole Proprietorship – individual ownership and operation of a business.

A sole proprietorship is not a separate organization and does not have any formal requirements for formation. The individual simply begins doing business. Most sole proprietorships are small businesses, and initially their business capital needs are small. Typically, the individual provides the funds. In order to get financing, a sole proprietor takes personal financial risk. The income of the business is the income of the sole proprietor and is reported on the individual’s income tax return. The proprietor is the manager of the business. The business can be transferred only if the owner allows it.

(2) Corporation – any entity formed by statue that has rights of a legal person along with limited liability for its shareholder owners.

Formal public filing is required to form a corporation. A corporation may use short-term financing or debt and equity financing. Limited liability for shareholders is one of the advantages of corporate organization. Corporations have the tax consequences of double taxation. Many shareholders may own a corporation but the board of directors controls the operations. Shareholders have the opportunity to express their views at the annual meeting by electing directors who represent their interests. A corporation can be dissolved voluntarily or involuntarily.

(3) Limited Liability Company – newer form of business organization in which liability is limited except for conduct that is illegal.

An LLC is formed by filing the articles of organization with a centralized state agency. Members of an LLC make capital contributions in much the same way as partners make capital contributions. Members of an LLC have limited liability; the most they can lose is their capital contributions. The LLC does not pay taxes; income and losses are passed through to the members to be reported on their individual returns. Members of an LLC adopt an operating agreement that specifies the voting rights, withdrawal rights and issues. A member’s LLC interest is personal property and is transferrable. Most LLC statues provide that the LLC dissolves upon the withdrawal, death, or expulsion of a member.

The definition of these business types is just the beginning of understanding how to fully utilize each structure. Because there are several types of businesses it is important to know the advantage and disadvantage of each. The type of business you organize will determine a lot about how you reduce liability, protect your assets and pay your taxes. Defining the business type for you is important in “Creating Your Own Lane” in business success.