Factory Accident Risks and Injuries

Factory environments usually include a very large space filled with heavy machinery, specialized equipment, and a large factory worker base. Factory areas can often be crowded, with many activities being performed at once, so following safety protocols and operational procedures is crucial to a smoothly run, accident-free workplace. The high frequency of workers interacting with machines means that, if proper precautions are not taken, disastrous accidents may result.

Safety Hazards

Factory workers are put at risk of injury whenever safety procedures are not followed. The following potential hazards may lead to serious accidents when not dealt with appropriately:

  • Intentionally “cutting corners” on regulations to cut factory costs
  • Accidentally overlooking a safety violation
  • Operating machinery without using proper safety equipment and safeguards
  • Not regularly maintaining heavy machinery and equipment
  • Improperly storing equipment or chemicals
  • Using defective machinery

Potential Factory Accidents and Injuries

When the above safety hazards are not addressed, workers are put at risk of being involved in an accident. Running an unsafe factory leaves open the possibility of accident and injury occurring, which may include:

  • Heavy machinery malfunction
  • Slips, trips, and falls
  • Exposure to toxic chemicals or other hazardous materials
  • Falling objects or overturned equipment
  • Explosions
  • Emergency exit blockage

Most factory workers understand that there is a certain level of risk in their daily work, but like all workers they are entitled to a safe work environment that meets safety regulations. Factory companies are obligated to meet safety standards to keep workers free from harm. If you are a factory worker and have been injured in a factory accident, your employer or the property owner may be liable and you may be entitled to compensation for your injuries and related damages.

Learn More

For more information on factory accidents and injury liability, please visit the website of experienced factory accident injury lawyers at the Charles D. Hankey Law Office, P.C. today.

Depletion of Forest Resources

INTRODUCTION

Echo systems around the world help sustain life for millions of species. Echo systems that are mainly forests provide a home for a large majority of the species alive. Therefore the trees in these forests are considered to be the most important species. Although it is true, that most species are not able to sustain without each other.

There are many benefits that we get from our forests. Some of these include cleaner drinking water, a home for plants and animals, economic growth, clean air, recreational opportunities, reassuring future. Another benefit we get from trees is called oxygen. If there were no trees to give us oxygen to breath, we would not be able to live. So if you need one good reason why a forest should exist, staying alive is a pretty good reason.

CAUSES OF THE PROBLEM

Forests have many resources that people can use to raise their living standards. One example is the wood for building houses. Certain wood materials last a long time, they keep the house warm and make it easy to manufacture homes. Unfortunately the world is overpopulating and the demand for a higher standard of living is constantly on the rise. Therefore the demand for more resources is growing to levels that can not be sustained. Since forests provide a large portion of the world's resources, many forests are cut down or burned.

The cause for cutting down forests is directly associated with the high demand for wood to manufacture paper products and lumber for other manufacturing. We practically use wood for everything. It is used in home building, marine products, furniture and the list seems like it's endless. Just look around yourself right now and chances are you will find a product within your reach that is made of wood. Not only is wood a good building material, but it also has great aesthetic qualities. Most people appreciate a nice wooden dining table set or classic wooden rails on a staircase. Unfortunately we do not always take in to account how many trees need to be cut down so we can have these luxuries in our lives.

Another major direct cause for forest depletion is simply burning forests for farmland. This is more common with countries that are undeveloped and have tropical rainforests. Many poor farmers in these countries burn or cut small portions of tropical forests so they can have room for farming and cattle. But the big scale problem is created when huge corporate farms burn thousands of square acres a year. They need this much room so they can provide farming on a much larger scale to compete in the world market for food. The reason forests are burned for the farmland is due to the rich minerals fertility of the soil.

Unfortunately even the large scale farmers in undeveloped countries are not educated on how they can maximize their results when reusing the soil. Therefore the soil is used up and left as a desert while the farmers burn more forest to make another farm. The Amazon rainforest which is the largest in the world has fallen victim to such deforestations. This forest is located in South America where countries are having tough financial times. Brazil's market is a third of all the Latin countries included. Yet "Brazil's foreign debt, except in the most implausible of positive economic circumstances, is simply unsustainable in the years ahead" (CRF.org 2002). Economical pressure on a country is another big cause that will force a country to deforestation such as the case in Brazil. Basic Science and Remote Sensing Initiative (BSRSI) show data that between 1978 to 1988 230,000 square miles, nearly the size of Texas was affected by deforestation (bsrsi.msu.edu). That is 16.5% of the whole rainforest in the Amazon.

The next example shows the cause of deforestation for farming. According to The Center for International Forestry Research (CIFOR), "Between 1990 and 2001 the percentage of Europe's processed meat imports that came from Brazil rose from 40 to 74 percent" and by 2003 "For the first time ever, the growth in Brazilian cattle production-80 percent of which was in the Amazon-was largely export driven. " As more roads are built to provide access to forests in undeveloped countries more deforestation is evident.

EXTENT OF THE PROBLEM

As mentioned earlier, we get a large portion of our oxygen from vegetation such as trees. Since most trees live in forests it is important to realize the negative impact deforestation may have on our air quality. Carbon dioxide (CO2) is a gas that has an impact on the greenhouse effect. There is a cycle between CO2 producers such as cars and CO2 consumers such as plants. Together they create the "Global Carbon Cycle". The plants and soil of tropical forests hold 460-575 billion metric tons of carbon worldwide (McKane et al. 1995). From 1850 to 1990, deforestation worldwide released 122 billion metric tons of carbon into the atmosphere, with the current rate being between 1.6 billion metric tons per year (Skole et al. 1998). In comparison, all of the fossil fuels (coal, oil, and gas) burned during a year release about 6 billion tons per year. Therefore deforestation even when compared to all the other pollution plays a significant role in Global Warming and clean air.

Another extent of the problem with deforestation is a decrease in biodiversity. Biodiversity is important for Ecosystem sustainability, agriculture, medicine, recreation, aesthetic and commercial value. There are about 5 to 80 million species that live on this earth (Lawton and May 1995). Tropical rainforests cover about 7% of the world, but are home to more than half of the species living in the world. After a forest is cut down, many species can not live without it and possibly go extinct. Since we depend on these species for many resources, their extension will rob us of their benefits. Perhaps we might destroy the next cure for AIDS by deforestation and not know it.

FUTURE

The negative impacts of deforestation are getting noticed internationally. Many countries are taking steps to reduce the problem for a more sustainable earth. Unfortunately financial gain and high competition still exists with deforestation, and for some it's the only way of survival. Many people are not educated about the long term results their actions may cause. Because of these reasons deforestation is still a reality around the world in many countries.

With more international involvement, countries will take effective steps to bring deforestation to sustainable levels. But there is still a great deal of work to be done. For some forests it is still not too late to bring them back quicker. Other forests that have been clear-cut might take centuries to grow to the original state. Areas where pesticides were used it is possible that the echo system was damaged and may take a long time to grow again. Many forests were replaced by large banana plantations. These plantations use pesticides that kill many species that are vital for an echo system to sustain. Erosion caused by deforestation may bring more water pollution in the future and may affect agriculture in the area. Other reasons for deforestation are simply to provide room for paved roads, residential and commercial development that are caused by urban sprawl. These types of developments permanently destroy forests. Deforestation is a serious threat to life's future on our planet. It has major effects on our global climate. It leads to the loss of millions of species that are important in sustaining a living earth.

SOLUTIONS

As we discussed the causes for deforestation, we realize how these causes are very different. Because the causes are often controlled by a countries economy, overpopulation and many other social reasons, it is impossible to find one solution to deforestation. Although there are many solutions, it will take time and cooperation of many different groups of people and organizations to make the solutions work.

One popular solution that has been in effect for a few decades is forest conservation. We can work internationally, regionally, and locally with organizations to develop policy and influence industries to help ensure a sustainable future for forests. Conservation helps protect, manage, and restore the world's most important forests by identifying threats and developing solutions to them.

Decrease the amount of products that are made as a result of deforestation. For example, using materials other than wood to build homes, furniture and other common products made of wood. Encourage recyclable materials so people do not go back to wood again. Switching from wood to other materials will decrease the demand / supply for wood.

Implement more efficient farming methods to encourage the reuse of land.

Educate people around the world about the negative impacts of deforestation, and what can be done to prevent it. Help finance more educational programs. Help countries make the right economic decisions.

Sign international treaties and make laws / regulations to control annual deforestation.

Import meat and dairy products from markets that do not cause deforestation.

The solution that I believe will be very effective is the second one. As far as cutting down trees, this is a very workable solution. We have too many products that are made of wood today. As economies grow around the world, the middle class will also grow. This middle class will demand more and more products that are made of wood. The American middle class is obsessed with wood products and we do not even realize it. A large portion of our homes are built from wood, and so is our furniture. Most cabinets alone require so much wood. If we like wood products so will the rest of the world.

The solution is to take the majority of the wood products and find alternative materials to them. This of course is not as easy as it sounds, but it is very doable. Once it is done, it will extremely decrease the demand for wood, therefore reducing deforestation. With such high advances in technology we can travel in space and replace hearts. Therefore it is possible to make materials that are safe for the environment and replace wood. Maybe even make materials that share most of the properties that wood has. We can even invent materials that imitate wood like the "burled wood" in our cars today. This "burled wood" in most cars is not even wood anymore, it is some kind of a plastic and a pattern to imitate the look of the wood. Speaking of the auto industry, I can not believe how advanced our cars have become. These are cars that we drive everyday. Yet we live in new houses that were built with an ancient method of wood and nails. I think that is ridiculous. Perhaps the solution to replace wood with alternative materials will also lead to more efficient assembly methods and a safer environment. And most importantly the first solution is changing our attitude to help prevent deforestation.

The Depletion of Forest Resources is a huge problem with challenging solutions, let us work as a team around the world to help solve these issues.

Benefits of Hiring an Digital Marketing Agency for Promoting Your Business Online

Online business has hit an all-time high globally, as major and minor companies are creating their own websites and trying to cater to the Internet public. Marketing online is vastly different from offline marketing as the rules and regulations of attracting consumers differ hugely. This is where a digital marketing agency comes in and ensures that online marketing, from creation of websites to ensuring that they excel in search engine rankings, is available to clients as a whole package. Without the help of a digital marketing agency, it is not possible for companies to enter the online market and emerge successful.

The primary benefit of hiring a digital marketing agency is that these agencies are experienced and understand the online world of marketing. Since there are major differences between the online world and the offline world of marketing, gathering professional help for the better performance of a website is highly recommended. Digital marketing agencies have experts on their board who understand what a particular client website contains and how it can be marketed digitally. From keyword heavy content to social media marketing, all options are available and it is up to these agencies to implement these options as per their understanding.

Search engine optimization is the biggest benefit of hiring a digital marketing agency. Marketing online serves no purpose unless people regularly visit a company’s website and go through its features and products. Competition in the online market today is mostly about securing high rankings in search engines. Securing high rankings in search engines automatically translates to popularity of the website as well as increase in consumer awareness. A digital marketing agency is well aware of all this and hence can be trusted with the responsibility to increase a website’s search engine rankings. They know how to go about it and whether they should take a content related approach or publicize the site via social media, is up to them.

A digital marketing agency also understand that in today’s age of flashy and tech-heavy websites, a company can never achieve the desired search engine rankings unless is website is up to the mark. A digital marketing agency also often acts as a web designing organization and designs the websites for its clients. It knows that depending on the content, how a website is to be designed so that what people are looking for in the site can be easily found. From the home page to the page dealing with the features of the company’s products to the page about the history of the company, all are available on the website. It is up to the digital marketing agency to put together these pieces in a manner that will be appealing to regular and new visitors of the website.

Since constant presence on the social media is highly necessary for a company to be successful in online marketing today, an internet marketing company ensures that they are able to provide full social media marketing strategies. It is important not only to have Facebook or Twitter pages for companies but also ensure that those are active. Sharing regular links to the company’s website and its new products, features and news are a must for every digital marketing agency. They also encourage active interaction between people and the company via social media pages. This helps the company understand their consumers and what the consumers look forward to from the company. Automatically, this gives the company a great chance to improve its search engine rankings.

For companies which are beginning their innings new in the online marketing world, it is highly beneficial to hire a digital marketing agency with proper experience. In that case, it is the company which will have all the experience and will be able to guide the client on how to improve search engine rankings. Clients can give the content and the layout of the website, but it is up to the digital marketing agency to make a site that will ensure that proper consumers are drawn to the site. Digital marketing agencies come across all sorts of clients and they know how the success of a website is achieved. So being dependent on them is actually beneficial for a company, especially the ones who have just begun.

Thinking of Buying a Used Mobile Home? 18 Steps For What to Watch Out For and How to Do it Right

If you are thinking of buying a used mobile home, there are things you need to watch out for. Buying a mobile home is not like buying a regular stick built. You need to know what to watch out for before you buy a used mobile home. Here are 10 things to watch out for when buying a used mobile home. These tips will guide you to make the right decision and/or how to negotiate in your best interest. Better safe than sorry. My seven years of selling used mobile homes has taught me a lot. I am now passing on that information to you so that you can make an educated choice.

1. Age. If your finances are tight, do not buy anything older than 1977. That is the cutout time for good financing and also the year a lender can determine if the used mobile home is a HUD home. 1976 and older were registered with DMV and not built to code. Therefor, lenders requires a 20% down on a 1976 or older. The term will be no longer than 15 years and the rate will be somewhere around 11-12%. That is a lot to pay. 1977 or newer requires only 10% down, you can get 20 years of financing and the rate is 1-2% lower. That is a much better deal. If the home is newer, the rate can be as low as 8%. Preferable, look for a home that is no more than 15 years old.

2. Park. Not all parks are approved by the lenders. Before making an offer to purchase, get yourself loan approved for that particular park. If the space rent is too high or if there are too many foreclosures in the park, lenders might say no to financing.

3. Rent control. Is it or is it not? Most parks are but some are not. If not, make sure yo fully understand what kind of yearly increase the park will impose on you. You might not mind paying that extra increase per year but each time the space rent is raised, the value of your mobile home WILL go down. Its like a car, depreciating. Still, it beats renting an apartment with people above, below, left and right.

4. Crime. Does the park have a security program? Is the park patrolled regularly by a security patrol company? If not, you probably should stay away. Yes, it is true, all residents have to follow the rules and regulations but if there is no security, many things can happen. A security patrol is a deterrent, crime will go elsewhere. Call the park manager and inquire. You can also call the local police office and ask for a crime report. Strongly recommended.

5. Pets. What is the parks policy? Your 80 ldb golden retriever might have a VERY hard time getting approved. Same for your pitt bull or any other so called “vicious breed”. Most parks will NOT approve them. There is only one park in the Santa Clarita Valley that will approve a large dog, even two. However, no “vicious breeds”. How stupid. Recently, I had a dog trainer with good credit, a large down payment and a German shepherd. That dog was the most well trained German shepherd but no, considered “vicious”. So are dobermans, boxers, pinchers, chows and a couple of more. Inquire with the park BEFORE looking at any used (or new) mobile home. Save yourself the time (and your agents) by finding out first.

6. Neighbors. Most people are nice. However, since you are going to be living in tight quarters (most mobile home spaces are small and set very closely together), go and talk to the neighbors. Both the ones next door and some a few doors down. The ones a few doors down are the ones that will tell you what REALLY is going on. Maybe the couple next door do not get along any more. Maybe there is an alcohol problem. Maybe the kids play too loud. You need to know. Drive by in the evening, hang around for a while. Do the same for the weekend. Spend an hour on a Saturday night, driving around the mobile home park, you will then now if this is a place for you.

7. Managers. Do they do a great job? Do they care? Do they make the residents follow the rules and regulations? Do they arrange get togethers every now and then? Any holiday dinners? Do they publish a newsletter to keep you updated? Do you feel welcome in their office? Most managers take great pride in their park and are happy to try to help you. Make sure that is the case.

8. Trash. An old toilet sitting at the end of a car port? Knee-high weeds? A car jacked up and being worked on in a carport? You do not want that. What you should want, is a clean, manicured park community where the residents take pride in their mobile homes and keeps their surroundings clean. A carport is not supposed to be used for storage (or a back yard). A shed is where you keep your excess belongings, period.

9. Mobile home values. Holding steady? Going up? Declining? Have your Realtor find out for you. Buying a used mobile home is very much like buying a used car. A seller can set any price but is it worth it? Please do not over-pay. If you need to finance your used mobile home, you are then in a much safer position. You are then required to pay for an appraisal to find out the REAL value of the mobile home. However, if you are planning to buy your mobile home for cash, watch out. No appraisal is required but I would recommend you pay the $400 to the appraiser. It could save you thousands. The choice is yours.

10. Health and Safety. What condition is the mobile home in? The basics should all be there. If not, it is the sellers responsibility to have it done. That includes;

A. Smoke alarms. Each bedroom needs one, that is the code. And, it needs to be working!

B. Water heater. Needs to be double-strapped and not with those tiny metal bands that has little wholes in them. Is there a pressure release valve? If it where to over-flow, does the pipe go underneath? Should not. It needs to extend out to the side of the skirting. Is the water heater closet dry-walled? Has to be. Any leaks?

C. Steps. Are they solid? No rips in the carpeting (trip hazard)? What about the railing? Is it loose? Can not be. How far apart are the rails? Should not be more than 4″ so that a small child can NOT get stuck in between.

D. Cooling system. Does it work? It is not really a health and safety issue but if it were me, I would insist on it or ask for a reduction in price. Who wants to live in a used mobile home, maybe with metal siding as well, and summer comes around and it is 105 degrees outside.

E. The furnace. When was it last serviced and how dirty is the pad? Take a good look and make sure it works. Have someone come and take a look at it.

F. Plumbing. Any leaks? Should not. Run all faucets and look underneath.

G. Electrical. Does all the outlets and the switches work? Make sure they do. GFI’s? You do not want the risk of being electrocuted. Both kitchen and bathrooms needs GFI plugs.

H. Roof. Any leaks? Look around carefully to see if there are any water stains in the ceilings or around the upper walls. How old is the roof?

I. Earthquake bracing. Does it have it? Bring a flashlight and open up the access door in the skirting. There should be (on a double wide mobile home), two in the front and two in the back. Compare them to the regular piers and jacks. Are they beefier? Bolted to the I-beam? They should be. Surprisingly enough, there are still some used mobile homes out there who do NOT have them. On top of that, it is not considered a health and safety issue and it is perfectly legal to sell a used mobile home WITHOUT them!

If you do buy a used mobile home without earthquake bracing and later on decides that it was not the smartest idea, a contractor will charge you about $5000 to install them. Not cheap. If it does not have it, ask for a price reduction and then order the escrow company to set aside $5000 to the contractor. At the close of escrow, your contractor will come out and install them for you. If you can have him install it the day BEFORE close of escrow even better. Because, if you just take a price reduction, you are going to be so busy moving and exited about your purchase of your mobile home. You’ll “forget” about the bracing and end up buying new furniture instead!

Ideally, you should hire a health and safety inspector who KNOWS how to inspect a mobile home

8. Once you are park-approved, it is time to schedule your health & safety inspection. You are free to use any licensed health & safety inspector for your inspection or I can recommend several to you. Besides the health & safety inspection , I would strongly recommend you have an electrician look over the home. Sometimes, a regular h&s inspector can not really know what’s going on. These inspections are not free and depending on who it is, they all charge slightly different. When we go to see the inspectors at your future home, please bring your check bock. Once the inspection is over, the inspector will go over his findings with you.

9. It is now 24-48 hours after that the health & safety inspection took place and now we are holding the report in our hands, going through it together. It is the sellers responsibility to cover any health & safety issues, such as electrical, plumbing, roof, smoke alarms, double-strapped water heater and so on. Anything cosmetic is just that, cosmetic and the seller does not have to do anything. However, you could always try to negotiate if you strongly feel there is something you want the seller to do and of course, I am there for you, every step of the way.

10. Termites? Pesky little critters and they are usually EVERYWHERE! We would absolutely want to have the home inspected for that too. We will get a written report with a diagram, showing their findings. Anything that they find that is classified as a SECTION I, has to be taken care of and hopefully, the seller is willing to do that. If not, it’s on you. I have a very strong opinion in regards to termites. That is, if I were buying a home, why should I have to pay for somebody else termite problem? I never lived there. I did not invite them. So, why pay? On the other hand, if I got the home at a very good deal, I would probably pay for it. It is your decision and hopefully we will not run in to this problem if the seller gladly pays. SECTION 2 are recommendations from the termite inspector of things that will need attention in the future and are not items that has to be taken care of now. Termite inspections are paid through escrow.

11. Time to order your appraisal. An appraisal will be necessary if you are going to finance your purchase, the lender will require it. This is an expense that can not be financed and you will have to pay it upfront either by meeting the appraiser at your future home or by simply writing the check to the appraiser and let me handle it for you.

12. Your loan conditions. When you first got pre-approved, we submitted certain papers to the lender. There might also be additional paperwork they are asking for and whatever that is, now is the time for us to do that.

13. Your home has now been appraised and hopefully, it did appraise. If not, we might need to either re-negotiate with the seller or you might have to come up with a larger down payment, whatever is the case or we might have to look for another home for you.

14. Your loan documents are now ready to be signed and there will also be additional paperwork from escrow to sign, such as hazardous disclosures. We live in earthquake country, there are massive rains sometimes and we get flooded. You might be close to a prison or maybe an airport. These things are hazardous, we all live with them. Escrow wants you to know this,and you already do. When you go to sign all this papers, please bring your cashiers check for the balance of the down payment. Before you do, I will give you an estimated closing statement so that you know how much to bring. There will be an overage, meaning escrow will ask for a little bit more, just in case. We do not want to delay closing escrow because they are a few dollars short (maybe they needed to over-night a package twice).

15. Time for us to do a final inspection of the home. We want to make sure that everything that needed to be taken care of, has been done. We will do a final walk-through together.

16. You are now going to go to your appointment with the park to sign your lease, read and sign the park rules & regulations and pay your space rent and deposit. This takes about 1 ½ hour. If this is in the middle of the month, escrow will pro-rate the space rent. Parks do not take partial payment, only full. The deposit is refundable after paying your space rent on time for 12 consecutive months. You can then, in writing, ask for it back.

17. The loan has now funded, the money has been received by escrow, every single piece of paper has been signed by all parties involved and escrow is now closed. CONGRATULATIONS! YOU ARE NOW A HOME OWNER.

18. I will give you your final closing statement from escrow and possibly a check too, together with the keys to the home, TIME TO START MOVING IN!

Again, congratulations. Let me know when the movers are coming, I want to order you some take-out and something to drink, you are going to be too busy and besides, who has time to cook while moving.

Benefits Of Future Technology

In this write up, the readers will get information on future technology and learn to what extent modern technology has been developed to assist the growth of human civilization.

Technology of the Future would be more sophisticated and user friendly. The rapid technological advancement will make technology more convenient and usable. New technology should be used for the benefit of the society. Now, it is better to say to what extent science and technology have been acceptable to the present generation. In comparison to conventional devices and equipment, future technology news states that ultramodern devices are more workable and powerful in their functionality. According to scientists and researchers, modern technology can make modification and upgrading of common things for their proper usage applying modern methods. The world will be more glamorous and attractive with newer technology and without any trace of carbon footprint.

If you check future technology news, you will find that there are newly launched products and technical accessories which have multifunctional features. For instance, recently Kevin Cheng invented Solar Planter which protects the natural green resources of nature. Plants will be highly protected using the Solar Planter which artificially creates solar energy to preserve green plants in a perfect way. The device is also equipped with powerful exhaust fans to clean out stagnant air from within the Solar Planter. Air will be circulated well inside the planter for the safe keeping of trees and plants. The Solar Planter is also energy efficient and environment friendly. According to future technology news nature will be completely protected from pollution using these new technologies as it will not produce any lethal or hazardous chemical solvents or gasoline products into the air.

In the sphere of the telecommunication, future and modern technology is very powerful and has contributed extensively for the betterment of the communication system. The invention of the humanoid robot is a burning example. Future technology news say that this robotic structure will be sent to out of the planet to strengthen the communication system. Experiments are still going on the upgrade of this robot.

Concept Cloud Blackberry is a sophisticated mobile phone which is both eco friendly and pollution free. This mobile is activated by liquid fuel which doesn’t disturb the peace of nature. Future technology will bring a lot more inventions and accessories to upgrade human lifestyles. The scientists believe that modern science is very effective to make the world green. Future technology must be more user friendly and should not hamper the natural growth of the human race. It must not disturb nature or the society.

Science is a boon and man needs to utilize this for the overall development of the world. Future technology these days not concentrated only on the benefit of humans. Scientists are trying to create technology that will be beneficial to the earth as well.

Conclusion: To get updated information on latest technology, you can check future technology news on the Internet. There are new discoveries and upgrades available every day.

What Is Turnkey Manufacturing And Why Is It Better?

In this highly globalized and competitive world, there is a constant need to improve the performances and delivery on time so that the company’s development is ensured. Most businesses which deal in manufactures prefer to implement this by reducing the costs through various mean including sending the assignments overseas. This is a popular option when the products that are being manufactured will be sold in an international market. However, at times when the resources are not enough to use overseas manufacturing facilities, a very attractive option that the companies have is the turnkey manufacturing. Turnkey manufacturing is the process of manufacturing products at a place that is closer to home as it saves money and time.

Turnkey manufacturing has been a very viable option for companies who do not have enough resources to send their work abroad. Though the labour outside is cheaper, it doesn’t help the company save much, as the costs of other factors increase to a great level. These factors include the customs, the tax and the duties, extra fees charged by the international representatives and the ones that are in the country where the item is being manufactured, acquiring licenses, and cost of transportation, inter-modal handling and other less important expenditures. To avoid the extra strain on the resources that the company has, turnkey manufacturing proves to be a great solution as all of these expenditures are not present.

Another great advantage about the turnkey manufacturing is that it is implemented very quickly and saves a lot of time for the company. There are a number of companies that provide turnkey services and they have offices placed very strategically around the world to facilitate the process. It not just saves time, but it also provides the companies a complete manufacturing set up which includes providing supply chain services as well as manufacturing assignments. These services include assembly line production, acquisition of the materials required, testing the manufactured objects and ensuring they are at an optimal level, and providing after market services and also providing the very important warranty support. All these features make turnkey manufacturing, a very popular and sought-after form of production. Some of the companies which provide this service also deal in giving their clients the product design services. There are a few companies which use this model of manufacturing right from the beginning, as their company is dependent on innovative products rather than the ones that are infrastructure-intensive.

Above all this, turnkey manufacturing also helps the companies in avoiding risk and keeping a low overhead. There are a number of risks involved in sending the work overseas. These include physical risks, intangible currency problems and variations in the exchange-rate. Other problems are the ones pertaining to the inefficient management control that could lead to heavy losses, and loss of intellectual property. All these risks might sound small but can be very damaging for the company’s progress. Turnkey manufacturing lowers down these risks considerably, proving to be a better option of manufacturing. Above all this, the two great advantages of this type of manufacturing are: 1) Increased ability to meet the market demands by moving quickly. 2) The ability to use all the latest technological innovations without having any sort of high expenditure. These advantages and low-risk features make turnkey solutions an important service.

Manufactured Homes 101 – The Things You Need to Know!

Everyone has dreamed of owning their dream house. A place they can call your own. It’s a place of sanctuary to shelter you and your family. Manufactured homes have always been a good option. Putting your money into it is worth while, although, a lot of people are still unsure whether to purchase one.

Factory built houses come in all shapes and sizes. They come in various floorings and fashion that it is easy to find one that will suit your taste. Aside from being way cheaper than houses constructed right on the location, these homes also give you a chance to design your home. Ranging from $20,000 – $100,000, they are ready for transfer to any location you’d want your house to be set.

A Factory Built Home: What is it?

Also known as a prefabricated house, manufactured homes are units of houses constructed in a huge factory. After purchasing, it is then dragged to the site where it can be put ready for transfer to another location or mounted on the ground through masonry groundwork.

Prefabricated homes are constructed upon certain set of codes which administers mobility, fire safety, effectiveness, style and sturdiness. All of these sets of guidelines are closely monitored by the US Department of Housing and Urban Development (HUD). The same set of guidelines also manages the electrical, heating and plumbing systems.

The Basics About Prefabricated Homes

Here are some of the things that you need to know about manufactured or prefabricated homes.

  • They are houses built in large factories.
  • After they are constructed from the factories, they are wheeled to the chosen site for the house. It is done by transporting the whole house one portion after the other.
  • Prefabricated home cost less than the houses constructed right on the site.
  • They are used to be regarded as mobile or trailer houses. They come in many designs.
  • They are constructed under the guidelines set by the HUD or the US Department of Housing and Urban Development (HUD).
  • After transferring the house’s portions in the site, they are put into pieces.
  • Its market value depreciates as time goes by.

So, now that you have the basic knowledge about what a factory built home is, I guess you can clear up your mind and start weighing things. Buying a house is really a good investment of your hard-earned money and considering the given details about prefabricated homes, counting it as an option is not a bad idea after all.

Functions Of Excise Authorities And Customs

The customs and excise authorities assess and collect the customs and excise duties levied by the government as an important source of revenue. The customs and excise authorities that the amount of certain imports does not exceed the quota or limit allowed to be imported within a specified period. Quotas are imposed to protect the local manufacturers from foreign competition and only a limited amount of foreign goods will be allowed into the domestic market to compete with the locally manufactured goods.

One of the functions of the customs is to keep statistical records of exports and imports to and from foreign countries to indicate trends in respect of quantities and values traded. Customs declaration forms have to be completed for goods imported and exported, whether dutiable or non-dutiable. These forms enable the customs and excise authorities to see at a glance what goods should be taxed and what should not. The collection of custom duties is needed as vital information in order to ascertain the volume, as well as the direction of trade with each country and with the world as a whole. The information is needed by the government as it indicates the performance of the country in international trade. That’s the balance of payments and trade.

This information is also needed by the traders as it helps them to ascertain the needs of consumers and assess the effects of government trade policies. Prevention if smuggling of prohibited goods is another function of customs and excise duties. Excise authorities and customs police all points of entry into the country, especially the coastal area to prevent contraband goods like dangerous drugs from earning the country illegally or dutiable goods entering or leaving the country without the payment of duty. Through their activities the Customs and Excise Authorities are able to save a great deal of government revenue which otherwise would have been lost through illegal transactions.

The last but not the least function of Excise Authorities and Customs is to control the bonded warehouses. They control bonded warehouses where dutiable imports are stored until duty on them has been paid by the importer. Dutiable imports meant for re-export may also be kept in the bonded warehouse so as to avoid the payment of customs duty upon entry and exit. However, if duty on such imports has been paid, a refund called customs drawbacks can be claimed by the importer when these goods are re-exported.

Importance of Acquiring Knowledge in Business

Knowledge is a resource referred to as knowledge capital or intellectual capital in a business. It is the essential element that allows businesses to operate in the market sector. The knowledge of the organization is within the human capital of the organization. Despite the rapid global changes, knowledge addresses key issues that can lead to successful management within organizations and can be used as leverage in collective bargaining of existing knowledge and creating new ones.

Understanding customers’ needs and the business environment is a huge interface of information. If a market research is done, then the knowledge of the market can be integrated to the target clients specifically in developing new products/ services and improving existing ones.

Having knowledgeable staff sets the business on a competitive edge because it helps the business run more smoothly and efficiently. For example, knowing customers’ needs and feedback to develop products or services to ensure that their needs are met.

Moreover, monitoring and reporting the changes in the business world is also needed. Knowledge in building networks by professional associations and trading partners can provide an easy way to find out what the competitors are doing and to see the latest innovations in the market sector. Making product research and development is a vital source of knowledge that can help in retaining competitive edge.

Furthermore, using knowledge more effectively can improve goods/services offered. It can increase customer satisfaction. Knowledge of the market can result better awareness of what customers want and what the staff require. Knowledge or information sharing can also improve staff productivity.

In order to manage the utilization of knowledge, there is a need to build a culture in which knowledge is valued across the business to retain the competitive advantage and understand the characteristics of the target market.

Knowledge of the business can help entrepreneurs evaluate and understand the needs of potential customers and develop products/ services that meet customer satisfaction since possible customers show different behavior patterns and preferences such as brand loyalty and the like.

Through knowledge acquisition, business supply chain management is visible everywhere and anywhere. It leads to faster growth and development. It also impacts the competitive advantage and become strategically important to understand knowledge transfer in a more predetermined fashion. The sustainability of organization depends largely on the acquisition of knowledge with a continuous learning process.

Hence, knowledge is vital to any organization because it empowers entrepreneurs to take informed decisions, improve services, produce better marketing decisions and increase profitability.

The Role of Managing General Agents

Managing General Agents (MGAs) are leaders of the wholesale insurance market place and function as an intermediary managing the relationships among policy holders, retail producers and the insurance carriers. These agents provide underwriting and administrative services and have the authority to accept and appoint placement from retail agents on behalf of the insurers they represent. Generally, MGAs market more unusual coverage, such as professional liability, for which a particular expertise is required. Insurers benefit from MGAs where such expertise is not available within the company and would be costly to develop.

The purpose of MGAs hired by insurance companies is to supervise their business in a particular territory and they are often referred to as wholesalers, but in no way do they compete with brokers and do not deal with customers directly. MGAs have a unique relationship with their carriers. Depending on the relationship, a MGA may perform tasks normally performed by an insurer; which include, handling claims, issuing policies, sub-contracting with independent agents, collecting premiums and negotiating commissions to name a few. As agents of the insurer, they perform the basic insurance functions for the carrier of underwriting and policy issuance.

According to the American Association of Managing General Agents, an MGA can be used in any line of insurance and includes insurers who are “admitted or not, direct or otherwise, broker or agent system, contract/appoint or open-broker sub-production, or any combination of these.” Typically, MGAs are utilized most in the excess and surplus lines insurance market, but are also found in the commercial and personal insurance market.

When thinking about how MGAs work, it’s best to consider traditional insurance market access where it flows from the insurance company to the retail agent and finally to the insurance buyer. Now consider how the surplus lines market access flows. It works in much the same fashion with one major difference. The MGA acts as the intermediate between the insurer and the agent. In this way, market access flows from the insurance company, to the intermediary, the retail/out of state agent and finally to the buyer.

MGAs are generally entitled to a contingency commission on all business written within their territory. They take a percentage of the commission that would usually go to the producing insurance agent. Being an MGA means personal accountability as well as responsibility for producers. MGAs take on the significant costs involved in being a wholesaler and the investment needed to succeed.