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Beyond Investing Basics … Stock Market for Beginner … On

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Beyond Investing Basics … Stock Market for Beginner … Online Share
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Best Work At Home Business Option, Network Marketing or Affi

Cruise the Internet at any time and it is obvious that many individuals
are actively seeking to either start a work at home business, or maintain
one. The literature available and the number of programs concerning home
businesses attest to this fact, simply by the sheer volume of available
materials on the Internet.

A home business of one’s own is quite attractive to everyone, as many
individuals have lost any faith whatsoever in the “corporate identity” of
today due to job lay-offs and closings. Businesses no longer offer their
employees the stability and benefits that they once did, and this has led
to the “Internet Work-At-Home-Business Boom” of today.

Although there are many ways to make money on the Internet, and in a home
business, everything from producing your own goods and services to
running an online wholesale storefront, a good choice for many
“beginners” is either an Affiliate Program or Network Marketing Program
(previously called MLM, or Multi-Level Marketing).

Affiliate Programs and Network Marketing Programs are essentially,
“turn-key businesses”, in that individuals joining the programs are given
a business that is already, for the most part, “in place”. A product or
service is provided, as well as instructions and support, and there may
even be marketing materials and a Website given. Methods of payment are
usually provided also, and it is quite reasonable that everyone can start
a work at home business in quite a short period of time by choosing to
join an Affiliate Program or Network Marketing Program. Many have become
quite successful with either of these business models, and there are
thousands of new members each and every day.

There are differences, though, in these business models, and care should
be taken when joining to ensure that the program most closely fits what
the person joining is searching for in a work at home business. Here
then, are the major differences, to guide anyone in their choice of
program model:

In Affiliate Programs there may be one or two income levels, with a
standard earning percentage. An Affiliate Program can be somewhat easier
to market, as the monetary investment is usually smaller, but there is
little, if any chance of residual income (long-term extra cash flow based
on multiple earning levels). Affiliate Programs, though, take less
maintenance than Network Marketing Programs, and the results can usually
be seen sooner, due to their more simplistic nature. Unlike Network
Marketing Programs, many Affiliate Programs can be marketed almost
entirely online, with very little customer contact.

In Network Marketing Programs, there are many, many levels of income
(hence the multi-level idea), leading to more long-term residual income.
However, Network Marketing Programs do entail a much larger extent of
customer contact, as they require the building of “downlines” to achieve
the residual income, and anyone joining must provide support to their
downlines almost continually in order to maintain a certain income level.
A Network Marketing Company can usually be somewhat harder to start and
maintain, but can grow more easily to the level in which an individual
member so chooses.

The choice of one business model or another as a work at home business is
rather personal and should be well suited to an individual’s personal
needs and personality. All in all, if you are a real “people person” who
desires a great income, and has a lot of determination, then a Network
Marketing Program will be a good choice. On the other hand, if you are
somewhat shy, would rather have a program that turns around more quickly
and easily, and if you prefer to “work alone”, than an Affiliate Program
is probably the better choice.

Just remember, when choosing any work at home business, consider yourself
and your needs well, and you will indeed, make the perfect choice.

About the Author

Montegaza Cristian is the editor of Work At Home Business Dot – A website
dedicated to assist you whatever you’re looking for a work at home
business or need some help getting your home business started.Visit him
at work-at-home-business-dot

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Jobs, make money,home business,freelance jobs,telecommute, Interview,
Resume, Career

BiodefenseStocks Announces New Featured Profiled Company

BiodefenseStocks Announces New Featured Profiled Company: CryoPort, Inc.,
Provider of Cryogenic Container Transport Technology for Safe Transport
of Infectious Materials Including Anthrax

POINT ROBERTS, Wash., March 31, 2005 – BiodefenseStocks , an investor
news portal for the Biodefense sector within the HomelandDefenseStocks
(HDS) content umbrella, reports that CryoPort, Inc. (OTC.PK: CYRX), a
provider of leading edge cryogenic packaging systems for biological
materials is a new featured profiled company.

CryoPort has used the innovative technologies developed for aerospace and
other industries to develop products that offer a more cost effective and
reliable solution to the dry ice equipment currently in use. The
Company’s mission is to provide a cost effective, cryogenic packaging
system for biological materials requiring, or benefiting from, a
cryogenic temperature (colder than negative 150°C) environment over an
extended time period, which will significantly replace the currently used
dry ice equipment as frozen shipping containers.

CryoPort’s cryogenic shippers have been certified for the safe transport
of infectious materials such as anthrax as well as other diagnostic and
infectious biological material and are therefore able to assist in
helping provide countermeasures against bioterrorism. These same shippers
have also been recently evaluated by departments within the US military
as capable of providing a more effective transportation system, over any
other methods currently available today, for such biologicals.

BiodefenseStocks is an investor and industry news portal for the
biodefense sector. The BiodefenseStocks website does not make
recommendations, but offers a unique free information portal to research
news, exclusive articles, interviews, investor conferences and a growing
list of participating public companies in the sector.

Featured Company: (HDS is compensated for Featured companies on portal)

CryoPort Inc. (OTC.PK: CYRX) was founded in 1999 to capitalize on
servicing the growing, global biotechnology and biopharmaceutical
industries. The products developed by CryoPort are essential components
of the current and future infrastructure that supports the testing and
research that are the foundation of these industries. CryoPort has
initiated patented technological breakthroughs in the field of cryogenic
frozen packaging at –150° C, or lower, for the transport of
temperature-sensitive biological materials and has a re-usable shipper
product line in full production.

The CryoPort family of bio-shippers currently consists of three specific
use shippers: AR1000 (Animal Reproduction), DS650 (Diagnostic Specimens)
and DG1000 (Dangerous Goods). The outer casing of the bio-shipper is a
light weight, high impact resistant plastic; the material storage well
(2.8- inch diameter) is enclosed in a metal cryogenic dewar flask with a
very high vacuum (10-6 Torr) with an advanced absorbent in the inner
dewar vessel which holds the liquid nitrogen (LN2) and provides the
required cryogenic temperatures. The absorbent further minimizes the
boil-off (evaporation) of the liquid nitrogen. These bio-shippers are
reusable and can be used over multiple years.

Management Profile: homelanddefensestocks /CO/CYRX/ManagementProfile.asp

Corporate Profile: homelanddefensestocks /CO/CYRX/CorporateProfile.asp

News Releases: homelanddefensestocks /CO/CYRX/NewsReleases.asp

Our Current list of Biodefense Stocks: biodefensestocks
/BDS/Stock_List.asp

Our Current list of Homeland Defense Stocks: HomelandDefenseStocks
includes a growing list of public companies in the sector. Click here for
a partial list of companies involved in homeland defense and security
technology and solutions in Airport Security, Biodefense, Biometrics,
Defense, Internet Security, Integrated Security, Military, Border and
Port Security.
homelanddefensestocks /Companies/HomelandDefense/Stock_List.asp

Read the exclusive InvestorIdeas Feature “The Insiders Corner”, a weekly
feature by well-known financial writer and author Michael Brush.
investorideas /insiderscorner/

Additional Recently Launched HDS Homeland Security Web Sites:
NationalHomelandSecurityKnowledgebase
BorderAndPortSecurity
NonlethalStocks
BiodefenseStocks
RFIDInvesting

Disclaimer: ECON Investor Relations Inc is the owner of the domain
HomelandDefenseStocks . Our site does not make recommendations, but
offers a unique information portal to investors to research news,
articles, and recent research. Nothing on our sites should be construed
as an offer or solicitation to buy or sell any specific products or
securities. All investments involve risk. Although we attempt to research
thoroughly, we offer no guarantees as to the accuracy of any information
presented. We encourage all investors to use our sites only as a resource
to further their own research. The site is compensated by its “Featured
Companies, as outlined in our on-line disclaimer at InvestorIdeas
/About/Disclaimer.asp and we rely on the publicly disclosed information
of our featured companies for accuracy. The site is currently compensated
for by its “featured companies.” CryoPort, Inc. – Five Thousand Dollars
per month. Twenty thousand, one forty-four shares. Third party IR firm.

For more information contact:

Dawn Van Zant / Trevor Ruehs
Toll free: 800-665-0411
Email: dvanzant@homelanddefensestocks , truehs@homelanddefensestocks

About the author:

BiodefenseStocks is an investor and industry news portal for the
biodefense sector. The BiodefenseStocks website does not make
recommendations, but offers a unique free information portal to research
news, exclusive articles, interviews, investor conferences and a growing
list of participating public companies in the sector.

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business,freelance jobs,telecommute, Interview, Resume, Career

Boosting your Business Opportunity

Boosting your Business Opportunity
with eRate Services

ERate is a vital piece used by schools today to meet their budget demands
for
technology. ERate is a federally funded process that must be requested by
application annually.

Just like filing for your income tax each year, some do the simple form,
while
others seek the services of professionals that can help them qualify for
funding
either they were not aware of or have not been successful in receiving.

By making eRate application services part of your repertoire, you can
either
open new doors or expand your opportunity of multiple services for
existing
clients.

To often this process is either done by an outside entity who knows
nothing
about telephony or illegally by a vendor hoping to bind the sale of
service.

NOTE:
After we have covered the basics of eRate, Dr. Jim Earle our top eRate
specialist will answer your questions.

Overview
1.1. General History of eRate?
2.2. Who Qualifies for eRate Funding?
3.3. eRate Funding Process
4.4. Who Traditionally Files eRate applications for Schools and Libraries?
5.5. Time Line for eRate Filing
6.6. What Things Do I Need to Know about a School District?
7.7. Bidding Process for Services
8.8. What Must a Vendor/Service Provider do to be Eligible to bid and/or
be awarded an eRate funded project?
9.9. What Basic Step and Forms are necessary for Processing an eRate
Funding Application?
10.10. Q&A

Presented by: Corporate Telecom Inc.
Dan Burns
Principle Consultant, CEO
Contact info:

866-858-1100
danb@corptele
Dr. James Earle
eRate & Grant Specialist
Contact Info:

866-858-2202
jime@corptele
1. General History of eRate
Telecommunications Act of 1996
Congress directed the FCC to “establish competitively neutral rules . . .
to enhance, to the extent technically feasible and economically
reasonable, access to advance telecommunications and information services
for all public and non-profit elementary and secondary school classrooms
. . . and libraries.”
Process established:
.•Provides discounts to eligible schools and libraries for
Telecommunications Services, Internet Access, and Internal Connections
.•Applicants can be schools, libraries, or consortia, but only eligible
recipients of services can receive discounts
.•Applicants must apply for discounts each year
.•Disbursements are capped at $2.25 billion annually

This responsibility is contracted by the Universal Services
Administrative Company who’s SLD (Schools and Libraries Division),
oversees eRate distribution process.
Website: sl.universalservice.org/

2. Who Qualifies for eRate Funding?
.•K-12 Public Schools
.•K-12 Private Schools
.•Libraries
.•Preschool or Head start programs (consult each state)

Must meet the statutory definition of elementary or secondary school
found in the No Child Left Behind Act of 2001
a.oMust be a non-profit institutional day or residential school,
including a public charter school, that provides elementary or secondary
education, as determined under state law
b.oMust not be operating as a for-profit business
c.oMust not have an endowment exceeding $50 million
d.oPre-kindergarten, Adult Education, Juvenile Justice

?Must meet state definition of elementary or secondary education

3. eRate Funding Process
Eligible Services
a.oEligible Services are broken down into two different groups. Funding
for all Priority 1 filings are considered and funded prior to funding
considered for Priority 2.
b.oAfter funding is completed for Priority 2 applications the SLD begins
with the highest percentage level of Priority 2 (90%) applications.
c.oPriority 1 funded first, then Priority 2 funded beginning with
neediest applicants (90%, 89%, 88%, etc.)

Priority 1
a.oTelecommunications Services ??local and long distance (POTs, Trunks,
T1) ??wire line and wireless ??Pagers ??Cellular Phones
b.oData, Video and Internet Services
??WAN
??LAN
??T1

Priority 2
a.oInternal Connections
??Data switches, hubs, routers, wiring
??Telephone switches
??Cabling

b.oServices which are conditionally eligible

Exceptions
•ERate funding does not apply to end-user equipment.
a.oTelephone handsets
b.oComputers (desktop or notebook)
c.oEtc.

4. Who Traditionally Files eRate applications for a School or Library?
.• Internal Staff: IT or Finance Department
.•Independent School Service Entities
.•Telephone Service Providers/Vendors
.•Consultants

5. Time Lines for eRate Filing
.•The eRate fiscal year is July 1 – June 30
.•Initial filing (Form 470) must be posted on the SLD website for 28 days
prior to the close of the funding window
.•Second Stage (Form 471) must be completed generally by the 1st week in
February

6. What Things Do I Need to Know about a School District?
A. Free & Reduced school lunch program percentages for the district?
Contact the State Board of Education and they should supply you with
information about;
.• Total Students
.• Free enrollment
.• Reduced enrollment
.• Percentage of free and reduced lunches
.• For both District Totals
.• By Building

B. What is the Matrix level for this district?
sl.universalservice.org/reference/dmatrix.asp
INCOME URBAN LOCATION RURAL LOCATION
Measured by % of
students eligible for the National School Discount Discount
Lunch Program
If the % of students in …and you are in an …and you are in a
your school that URBAN area, your RURAL area, your
qualifies for the discount will be… discount will be…
National School Lunch
Program is…
Less than 1% 20% 25%
1% to 19% 40% 50%
20% to 34% 50% 60%
35% to 49% 60% 70%
50% to 74% 80% 80%
75% to 100% 90% 90%

*School District MUST show in their budget that they can pay their
percentage of the project/services.
C. Do they have an approved Technology Plan?
.•When is a tech plan needed?
.oFor any funding requests accept local and long distance services.
.•How long is a tech plan good?
a.oA tech plan can be established for 1-5 years
b.oAdditions can be made to existing plans
c.oLater Jim will explain the strengths and weakness to a multi-year
compared to a single year plan.
.•Besides writing a tech plan, what other steps must be done for SLD to
accept it?
.oMust be approved by an SLD-certified approver before Form 486 filing or
start of services
.•The five areas the plan must cover:
a.oGoals / Strategies for using technology
b.oProfessional development
c.oNeeds assessment
d.oSufficient budget for the schools obligation
e.oEvaluation process
.•Points to Remember:
a.oTech Plan must establish the connections between the technology and
specific curriculum reforms or library service improvements
b.oTech Plan should provide evidence of securing the resources needed to
make effective use of the discounted services
c.oTech Plan should include an evaluation process to monitor progress
toward established goals
d.oTech Plan Approver listed on Form 486 must be SLD certified.

7. Bidding Process for Services
As services/equipment are considered, the SLD states that the process of
elimination should follow guidelines that will encourage competition
between the bidders to establish best value through an open bidding
process.
All e-Rateable items are to be posted in a competitive bidding process.
This does not mean that the entity must go with lowest bid price (consult
state board of Education).
It is up to the entity to decide whose product is of their best value. It
is vital that all posted RFPs establish specifics to clarify parameters
that are mandatory and process followed for determining these factors.
This is for clarification of any bidders and for the protection of the
entity.
.•Request for Proposal (RFP)
a.oOn all services/equipment that funding is requested for, these
services/equipment must be posted for bid for a minimum of 28-days
according to SLD.
b.oDescribes your project scope, location, other requirements in detail
c.oTraditionally this RFP is posted on a website so that any interested
vendor/service provider will have equal opportunity to bid on services or
the project.
d.oSLD list all mandatory information that must be included for the RFP
process.
.•Competition Oriented
a.oGoal is to have as many bidders as possible
b.oPromotes better service and lower prices
.•Fair and open process
a.oAll bidders treated the same, no advance knowledge of RFP information
b.oNo secrets in the process, all bidders know what is required of them

8. What must a vendor/service provider do to be eligible to bid and/or be
awarded an eRate funding project?
•A vendor/service provider must apply and receive a SPIN
1.1. File Form 498 with SLD.
2.2. Request a Service Provider Identification Number (SPIN)
3.3. Provide/update contact information

9. What Basic Steps and Forms are necessary for Processing an eRate
Funding Application?
Forms page: sl.universalservice.org/menu.asp
.•Form 470
.•This stage is a general overview of what type of services you are
requesting funding applied to.
.•This is general information including number of lines, cell phones,
size of internet access, etc.
.•Opens a competitive bidding process
.•Applicant responsible for ensuring an open, fair process and selecting
the most cost-effective provider of the desired services
.•Must wait 28 days after POSTING of Form 470 to select service provider,
sign contract/agreement, and sign and submit Form 471
.•Service providers who will participate in the bidding process cannot
complete Form 470
.•Can be filed once for multi-year contracts, but 470 and RFP must
indicate intent to sign multi-year contract
.•Make RFP available or list specific service/function and
quantity/capacity
.•Form 471
.i.This form informs SLD of who the school has awarded the
service/project to and the amount of cost.
.ii.This will also include the vendor(s) SPIN number(s).
.iii.Provides specific information on services, service providers
selected, and contracts and/or agreements
.iv.Provides discount calculation information
.v.Must be filed for each funding year
.vi.Applicant certifies compliance with rules, which include securing
access to resources to make effective use of discounts
.vii.Must be postmarked on or before the last day of the Form 471
application filing window
.•Form 486 and or 472
.i.After receiving the Funding Commitment Decision letter for SLD,
additional forms can establish that funding is sent directly to the
vendor/service provider so the school does not need to go through the
additional process of sending and confirming that the funds are sent to
the vendor/service provider.
.ii.This also removes concerns of fraudulent actions by the school
district.
.iii.Notification that services have started and the SLD can pay invoices
.iv.Certifies that Tech Plan (if required) has been approved
.v.BEAR (Billed Entity Applicant Reimbursement) Form 472 filed by the
applicant and certified by the service provider after the applicant
receives services and pays for the services in full
.•Audits and other assistance of forms and filing for both the
vendor/service provider and SLD staff.

Other items that may be discussed:
??Recent fraud has complicated to process.
??How can offering eRate services help my business opportunities?

10. Q&A

corptele

About the Author

Dan Burns, Principal Consultant

Mr. Burns is a telecommunications professional with over ten years
comprehensive experience in the telecommunications expense reduction and
management, telecommunications system hardware design, implementation,
project management. Mr. Burns is recognized as a reliable leader in this
field as an active member of the Society of Telecommunications
Consultants (STC).

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