Global Venture Capital: Ernst & Young Reports on Important Trend

One of the most lucrative investment industries, venture capital, underwent a period of tremendous transition last year, and with that transition signaled passage into a new venture landscape.

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"The convergence of globalization, Web 2.0, media and innovations in IT and life sciences are further indications that the venture capital industry is operating in a new environment" states a report issued by Ernst & Young that examines the rapidly occurring changes in this market, and the impact that these changes have had on investors.


Global venture investments were the "hotbeds" for venture capitalists last year, with China and India topping the list of global activity. The emerging markets there have created several waves of IPO's, venture-backed business startups, and planned investments by Intel, Cisco, and Microsoft.


With the $4 billion in US funds that were invested in these markets last year, it would seem that global venture capital has saturated the market, but apparently it has only just begun. China and India lead the way, and are still in the early stages of market development for both the economies and consumer-oriented services.


In the areas of technology, these emerging global markets present tremendous opportunity and growth. The market potential, fast-growing economies and advantages in either cost of technology make these global venture investment opportunities extremely attractive to U.S. backed venture capital funding.


While much is being said about the opportunities that lie in these emerging global markets, venture capitalists must remain aware of the potential pitfalls. Some of the most important and difficult challenges that remain to be addressed are the regulations surrounding intellectual property, the lack of local NASDAQ-like exchanges for exit strategies, and the lack of a comprehensive venture capital law in many of these developing and emerging markets.

Finally, The Truth About Credit Repair and Free Credit Reports

Have you ever been curious about what really goes on inside those companies that allege to erase bad credit overnight? How do you get your free credit report and what do you do with it once you've received it?

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free credit report,credit repair,fair credit reporting act,credit cards,bad credit

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Advertisements are everywhere these days selling books, systems and secrets to help you improve your credit. Most of these programs have claims which read like the covers of supermarket tabloids:

"In three hours my credit score went from 580 to 676!"

"Eradicate bad credit and annihilate your debts with just 2 Magic Letters!"

Are these types of claims ALWAYS too good to be true? The answer is Yes and no.

There are many people would love for you to think that the only thing that can rehabilitate bad credit is time, in reality, nothing could be further from the truth. The fact is, time is only one of any number of factors which can fix any given credit report, but it's far from being the only factor. How can I say this? Easy.

Under a consumer protection law known as the Fair Credit Reporting Act (aka the FCRA), the only negative information which can be left on your credit report is not what is accurate, but only negative information that can be proved as accurate under the FCRA. What in the world does this mean to you?

It means any unflattering item on your credit report can only remain there if it is actually accurate and CAN BE PROVED AS SUCH under the guidelines of the FCRA. This undisputable fact presents consumers like you with both good news and bad news. The good news is that, through the FCRA, your credit score can most likely be improved dramatically in a very short period of time with only a modest amount of effort on your part.

The bad news is that while the actual "work" will take very little of your time, it is essential that you have good information on how to go about it. Believe it or not, 9 out of 10 courses on credit rehabilitation will do nothing more than lead you astray because they will provide you with what the industry refers to as "Boiler Plate" dispute letters. These letters are nothing more than form letters and, quite frankly, the Credit Bureaus and Creditors will laugh at you if you try to use them.

While I agree with the Federal Trade Commission (FTC) that there are things that a credit repair clinic can take care of for you legally that you can do for yourself with little or no cost, what makes the credit repair clinics successful is access to the inside tactics and techniques. This involves strategies such as "Proof of Contract", "Constructive Notice", "Challenge of Procedure" or "Restrictive Endorsement" and many others.

The question you have to answer will be what are you trying to accomplish and how much time will it take you if you do it yourself? Remember, you get what you pay for. If you pay little or nothing, expect little or nothing in terms of your results. If you've got more time than money, do it yourself, but make sure you have the right kind of information. If you have more money than time, have someone else handle this for you.

All of this could "sound" impressive, yet really is quite simple. When all is said and done, it is nothing more than a method of communication which exercises your rights of consumer protection, gets the results you want, and raises your credit score simultaneously. Once you learn how simple this can be by doing it for yourself, you will realize there is a fortune to be made doing it for others! Maybe even be on your way to a new career, who knows? No matter what, it all starts by requesting a free copy of your credit report here: http://www.AnnualCreditReport.com.

In a future article in this series, we'll answer the question: "Is Your Credit Score Costing You A Fortune?"

Business Expense Reports

Business Expense Reports are the records of all the expenses incurred by the employees, top level to supervisory level, during their business visits on behalf of the companies. For this purpose, the business organizations should have standard business expense report forms. Nowadays, most of the companies are implementing web-based expense report software like Expense Management Automation (EMA), which automates and quickens the submission, approval and reimbursement processes of the business expense reports.

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expense reports, expense report forms, expense report software, travel expense reports

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Business Expense Reports are the records of all the expenses incurred by the employees, top level to supervisory level, during their business visits on behalf of the companies. For this purpose, the business organizations should have standard business expense report forms. Nowadays, most of the companies are implementing web-based expense report software like Expense Management Automation (EMA), which automates and quickens the submission, approval and reimbursement processes of the business expense reports.

According to Aberdeen’s research group, EMA helps the business organization in reducing the time required for filling up the expense report by 60%, in decreasing the cost of processing a business expense report by 80% and also in cutting the time required for meeting the claim by 90%. This particular software is supplied by a large number of companies, namely Acceleron, PeopleSoft, SAP, Gelco, Oracle, etc. This software integrates all the processes starting from completing the expense report to receipt processing.

It is true that the employees’ expenses during their business visits occupy a vital role in the total expenses of the business organizations after salaries. According to one survey conducted by a popular Boston-based research organization, it is reported that for every five dollars a company spends, one dollar will be towards employee travel expenses. So companies are taking a very hard look at these expenses. It is observed that most of the business executives are relying on the travel agencies and credit card companies like American Express and Visa International for travel arrangements like ticket booking, hotel accommodations, etc. But, instead, if they make all these arrangements online, there would be a significant cost savings. As per one research survey, such online activity can cut costs by 20 percent. Therefore, online systems are a cost-effective means of controlling travel-related expenses. For trimming the costs, some companies committing to employee-friendly travel policies with their favorite carriers, who will offer discount rates.