How To Get The Most Profitable Forex Signals

Many people who trade forex rely on being sent forex signals to know what to trade. This is because learning how to trade forex completely on your own without losing wealth is so complicated that few people actually learn how to do it well. Yes, there are many training courses and “systems” you can learn from, but the reality of the forex market is that you don’t really learn what you really need to learn without actually doing it.
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Often times, after people have tried to learn in such courses, they end up losing a lot of money on their first attempts to make that learning really work in the real Forex market. They soon realize that unless they get help in the form of a forex signal, they will probably spend their entire investment before they become skilled enough to really make money and not lose money with forex.
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Then the question arises which forex signals are the most profitable?

Where should you get these signals?
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Most people opt for software or an online platform that generates forex signals based on your specific preferences – your risk tolerance and so on. They are automatically generated from pre-programmed algorithms that are usually based on a specific trading system. The better ones are retested with historical data in an effort to actually generate profitable signals.
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However, these automated signals lose profitability very quickly (usually before you even buy them) because the forex market changes so much in short periods of time that software updates can’t keep up – real human beings need to record changes, learn how to deal with them , tell the developers, and then actually program them and send updates (aka “patches”). By the time that happens, the market has already changed again. Also, it is important to note that it is impossible to program how to deal with unexpected news that so often affects the forex market.
Only a true trader, one who has years of experience in Forex trading, can really keep up with the constant changes in the Forex market and deal effectively with unexpected news – in fact, they often clear when it comes! These merchants do not use only one system, but will actually use several. They will switch between systems and invent things as the market changes and sways. This is where the experience comes into play (and a really good skill for it).
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This means that the best source of forex signals is NOT from automated software systems. The best source is to get signals directly from real traders who are actively trading in the market on the same day and at the time they send you signals. Keep in mind, you don’t even want signals from an experienced trader if you are not trading the same day and time. You want signals from someone who has a good feeling for that moment in the Forex market.
You need to make sure you are dealing with a trader who has proven performance and sends you signals in real time. You need them in real time to have enough time to jump in and follow their signal trade signal. It’s a great way to learn and make a lot of money in the process.
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Forex Trading Robot – What Is It And How Does It Help In Trading?

A forex trading robot is a computer program that is entirely based on a series of signals related to foreign trade that will help determine if someone has to buy or sell that particular currency at that point. With the help of these robots, the psychological element that comes with trading can be eliminated.
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These automated Forex trading robots are available to serious traders who want to make money by trading online. I can also buy them online. All of these vendors can make big claims about their software, but one should be careful, consider all permutations and combinations, and then lower to zero the one they think is reliable.
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Forex Trading Robot helps to trade and manage your Forex account for trading on your behalf. It is designed in such a way that it will be able to show the behavior of the currency in a short period of time, say two to four hours, so that opportunities can be cashed and profits can be posted between major currency pairs during trading. and.
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Using advanced trading algorithms, forex robots are designed and created by highly experienced investment managers and are constantly monitored by the team that designed them so that its performance is optimized.
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Almost anyone and everyone can benefit from a trading robot. Existing traders, former traders, brokerage firms, institutions … can use this feature and in some cases, brokerage houses can attract more clients by offering this as a value added service.
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Therefore, with the help of a trading robot, the market can be used to the maximum and only profit can be seen because the system is skilled in predicting market behavior in the short term. This automated service makes trading easy and simple, and also convenient for all those who use it because it has proven to be a great solution for generating income for many people. It doubles, triples and also quadruples deposits in a short period of time. All it takes is to try to master the basics of the forex trading market and then get into real trading.
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Forex Automator Pro Review – Can You Really Make Money on Forex Trading?

Do you want to know if you can really make a profit from Forex trading with Forex Automator Pro trading software, or is this just another overloaded trading robot? Automatic Forex trading can have many benefits as I have discovered myself. For example, it can improve your profitability if you do not have much experience in trading and do not have time to devote to learning and manual trading markets.
1. What are the benefits of using a Forex Automator Pro trading robot?

It is definitely a big time saver and anyone who has traded currencies or any other financial market knows that time is an essential element for making money. This robot is designed to replicate the decisions of buying and selling a professional hand trader, analyzing market conditions 24/7 using the rules of analysis programmed into it and making forecasts for different currency pairs.

2. How has Forex Automator Pro software helped traders around the world?

Traditionally, making money in the currency market has taken a long time because the fundamentals are constantly changing and there is a need to keep up with trends and new available trading strategies. This can mean attending various seminars and following the news on a daily basis.

Although I continue to follow the news every day, this product has significantly reduced my workload and changed the way many traders make money on Forex. In fact, some people who have no experience with FX trading can start generating online income by following the simple instructions in the FX Automator Pro trading manual.
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3. What does the Automated Forex Automator Pro robot do?

This software is programmed with parameters and algorithms that allow it to mimic transactions that would be performed by a professional trafficker. Once a robot detects a market condition that matches a profitable trading setting according to the rules in its system, it will automatically calculate the optimal trade size and place that trade for its user.

5 advantages of Bitcoin that you did not know

Most people have heard of the term Bitcoin, but have no clear idea what it really is. Simply defined, Bitcoin is a decentralized, peer-to-peer, digital currency system, designed to provide online users with the ability to process transactions through a digital exchange unit known as Bitcoins. In other words, it is a virtual currency.

The Bitcoin system was created in 2009 by an undiscovered developer. Since then, Bitcoin has attracted huge attention as well as controversy as an alternative to the US dollar, euros and commodity currencies such as gold and silver.

A private network of computers connected by a common program is used to perform transactions and process payments in Bitcoin. The creation of bitcoin is based on increasingly complex mathematical algorithms and their purchase is done with standard national currency currencies. Bitcoin users can access their coins from their smartphones or computers.

As a new virtual currency that is growing, Bitcoin has certain advantages over conventional state currencies. Here are 5 benefits you will enjoy when using Bitcoin

1) No taxation

When you buy over the dollar, the euro, or any other national currency, you have to pay the government an extra amount of money as taxes. Each item that can be purchased has its own specific tax rate. However, when you buy via Bitcoin, sales tax is not added to your purchase. This is considered a legal form of tax evasion and is one of the main advantages of Bitcoin users.

With zero tax rates, Bitcoin can be useful especially when buying luxury items that are exclusive to a foreign country. Such items, more often than not, are highly taxed by the government.

2) Flexible online payment

Bitcoin is an online payment system and like any other such system, Bitcoin users have the luxury of paying for their coins from any part of the world that has an internet connection. This means that you could lie on your bed and buy coins instead of suffering the pain of traveling to a particular bank or store to do your job.

Moreover, online payment via Bitcoin does not require you to fill in details about your personal data. Therefore, processing Bitcoin bitcoin transactions is much simpler than those done through bank accounts and credit cards in the US.

3) Minimum transaction fees

Replacement fees and charges are an integral part of standard bank transfers and international purchases. Bitcoin is not monitored or moderated by any intermediary institution or government agency. As a result, transaction costs are kept at a very low level as opposed to international transactions executed through conventional currencies.

In addition, it is not known that transactions in Bitcoin are time consuming because they do not involve the complications of typical authorization requirements and waiting periods.

4) Hidden user identity

All Bitcoin transactions are discrete, or in other words Bitcoin gives you the ability to anonymize users. Bitcoins are similar to cash-only purchases in the sense that your transactions can never be tracked back to you and that those purchases are never linked to your personal identity. In fact, the Bitcoin address created for user purchases is never the same for two different transactions.

If you want, you have the opportunity to voluntarily discover and publish your Bitcoin transactions, but in most cases, users keep their identity secret.

5) No external interventions

One of the biggest advantages of Bitcoin is that it eliminates interruptions by third parties. This means that governments, banks and other financial intermediaries have no authority to disrupt user transactions or freeze a Bitcoin account. As already mentioned, Bitcoin is based strictly on the peer to peer system. Therefore, Bitcoin users enjoy more freedom when buying bitcoins than when using conventional national currencies.

Digital currencies such as Bitcoin are relatively new and have not yet passed major tests. As a result, many believe that there are certain risks associated with using Bitcoin. Despite the potential shortcomings of Bitcoin, it is evident that its merits are strong enough to make it a legitimate candidate to oppose conventional currencies in the not so distant future.

Four Steps to Successful Forex Trading for Beginners

Everyone’s dream is to work from home and get rich on their own … or not have to work at all. Many people find the appeal of Forex trading very attractive and may seem like an answer to the question “how to work from home”. Still, I’ll tell you that more people actually lose money by investing in the Forex market than they win. This is a simple matter of economics … for every winner … for every dollar you can win, someone lost a dollar. The money has to come from somewhere, right?

So you may be wondering, does anyone make money by investing in the Forex market and if so, does they make a living doing this? The answer to that question is definitely yes. There are many small amateur investors who can make a good living by trading the Forex market.

I know … your next question is “how do they do it ?!” The answer is varied and ranges everywhere from those who have progressed as traders to those who just seem to have a sense of numbers and charting and those amateurs who have taken the time to get to know the market, find a system that works for them and amass their wealth. Simple enough, huh? Maybe not, so let’s explain that …

Learning about the Forex market – There are many resources on the Internet that will give you an overview of how the Forex market works. It would be futile to try to educate you properly in this article. Most Forex brokers also have resources that can help you with your education and are very helpful in this regard. They want you to be successful because they make money from every trade you make in the form of “front”.

Finding a profitable system – When you master the basics and understand how the market works … how to trade, the time when the market is open, and that is 24 hours a day as the world turns (except weekends and holidays) you are ready to try to find a “system” that makes sense and with which you can make profitable trades. This system can be a manual system with which you keep an eye on various indicators and execute trades after all the criteria according to your system have been met. Your system may be based on the latest news such as quarterly reports or other financial news that you may know is affecting the media and thus affecting a particular currency pair. Your system could be a favorite expert advisor or “Forex robot” that has proven profitable to run an algorithm, similar to the above system where you look at different indicators …. with an expert advisor or Forex robot software does all this for you. These are “Expert Advisors” or “Forex Robots” in short.

Demo account – When you have a profitable system that works for you and makes sense, I will suggest you run it on a demo account or “trade on paper” with it for a few months. Demo accounts are available in all major brokerages and this is a must for any new trader. There is no point in spending your starting money while you are still studying. Once you discover that you are consistently making profitable trades without emotion and while using only your trading system, it will be time to switch to a live account.

Live Account – It’s getting interesting here. It is one thing to trade paper, but I will tell you that there is nothing like trading your own money. The hardest part of trading live is staying unemotional about your trading and sticking to your trading system. This is what separates successful traders from those who end up giving their money to successful traders and this is the hardest part of trading … sticking to your system of hell or water.

Now that you have a thousand-foot view of what Forex trading is, I encourage you to educate yourself and jump in there with a demo account as soon as you feel comfortable. Forex trading can be very exciting and, for some, very profitable. Just remember where all that money comes from and make the decision to become a smart trader who only trades your system and don’t be one of the many who give their money to the few who make money in the market

Candidate tracking system

Why a cloud-based candidate tracking system (ATS)?
Today’s companies need to improvise their functions and work not only to be updated, but also to be one step ahead of their competitors. This requires high-quality human capital, work in different locations, flexibility and operations that are beyond the limits of legacy systems. Through cloud-based solutions, especially ATS, human resources staff can access and download data from any location, from any device that has an Internet connection. ATS can also integrate with a variety of employment portals, social networks and career sites, allowing organizations to access and acquire more talent. It also offers faster and more efficient features through real-time application monitoring, process updates and minimal paper usage. By offering data encryption and cross-communication, ATS ensures security and continuous collaboration within HR teams.
Oorwin’s integrated talent management platform, HR and CRM brings it all and much more!
Oorwin is the brainchild of passionate entrepreneurs, business leaders, HR professionals, smart tech-geeks and consultants and customer-oriented sales experts. Oorwin was launched with the goal of revolutionizing business operations with a turnaround of unsurpassed efficiency, speed and high performance. Oorwin’s SAAS-based ATS is revolutionizing today’s HRM because it is cost-effective, easy to implement, easy to implement and even easier to maintain, regardless of the size of the company and the speed of its growth.
Oorwin prides itself on its powerful cloud solutions that combine ATS, HRM and CRM with most bulletin boards and VMS providers. Robust add-ons that have key email clients reduce operating time to an incredible extent. Oorwin’s ATS delivers cutting-edge AI capabilities that help your workforce achieve synergistic results. In Oorwin, the mission is simple, ie. design software that makes it easier for people to hire, develop solutions that companies would like to implement, sell to them that they would like to buy, and offer the level of excellence and service you would expect. buyer.
Success factors of Oorwin SAAS-based ATS & HRM & CRM integrated solutions
Oorwin allows you to develop a connected human resource management experience. Oorwin’s SAAS-based centralized cloud human resources system manages the recruitment process until retirement, consolidating various HR applications into a single HCM ecosystem to perform efficient and cost-effective post-employment operations.
Product 1: Oorwin self-service recruitment
Oorwin Hire is a patented and specialized ATS that automates the hiring process and enables natural hiring intelligence and faster job closures. Key features of Oorwin Hire include:
• Development and maintenance of a CV database
No need to download or upload hundreds of profiles because Oorwin comes with a one-click bulk upload feature. Oorwin used business-class tools and plug-ins that can analyze any file format from Gmail, Outlook, Inbox, and Chrome.
• Automatic ranking
Set your criteria and get accurate candidate profiles from Oorwin’s ATS algorithm for candidate ranking, advanced search, book marking, and auto-tagging features. The artificial intelligence-based interface lets you know if an old candidate is fitting a new job, which ultimately saves you time and money.
• Integrated interview management
You can schedule interviews with selected candidates through Oorwin’s integrated interview tools that allow communication tracking, automated feedback and reminders.
• Social media, Job Boards and VMS integration
Through Oorwin’s ATS, recruiters can use multiple bulletin boards at the same time as social networks, while through VMS system integration you can access and perform all hiring tasks without logging in to VMS. Oorwin simplifies the complex multi-level recruitment process in every possible way.
• Customization
You can create customized patterns, customizable workflows, types of employment, and stages of employment.

• Smart employment analytics
Oorwin helps you make smart, data-based decisions based on important recruitment metrics such as efficiency, recruitment time, cost per candidate, and more. It also allows you to determine the best and lowest performers. Analytics provides multiple features, data networks and widgets.
In addition, the capabilities of paperless ATS and digital boarding further simplify the process, making it up to 99% of the time cost-effective.
Product 2: Oorwin HR
Oorwin HR is HRM & CRM software based on SAAS that manages all HR functions and tasks of team members in one centralized location, through custom workflows, employee ecosystem, work progress tracking, employee self-service tools, dynamic world clock models, cost tracking , miscellaneous reporting, holistic invoicing, payroll, compensation, benefit management and paperless accounting.
The team at Oorwin works for excellence
Oorwin aims to help its customers achieve excellence by making the most of their most important assets, namely people, processes and the entire ecosystem, bringing them together in the cloud and enabling innovation, growth and higher ROI. Using human intelligence and integrating digital technology into human resources and employment processes, Oorwin has enabled hundreds of businesses to run agile and data-driven operations, save thousands of productive hours and invest more resources in key competencies while maximizing HCM investment.
Looking Forward
Oorwin’s unique ATS, which has a secure storage database based on candidate information, is not only easier to use, but also very flexible to adapt to the individual needs of each company and human resources processes. With the help of Oorwin’s specialized human resource management software based on SAAS and ATS, the overall employment experience is improved, both for the employer and the candidate at each stage of the recruitment process.

Forces and Trends in Business

The corporate environment is characterized by a number of variables: competition, dynamism, turbulence, complexity and change. All organizations must develop ability to continuously and consciously transform themselves and their contexts. Such contexts include restructuring for optimum effectiveness, reengineering key processes and streamlining functions that are able to provide a source of competitive advantage. The aim is to adapt, regenerate and most important, survive. (McLean, 2006).

For a company to thrive today, strategists must find ways to increase the organization’s ability to read and react to industry and market changes. They must know their goal to boost the company’s strategic flexibility by recognizing disruptions earlier and responding faster.

Strategic flexibility or adaptability can be defined as the organization’s capacity to identify major changes in its external environments, quickly commit resources to new courses of action in response to such changes, and to recognize and act promptly when it is time to halt or reverse existing resource commitments. Being adaptable means leaders must not get stuck in a too-rigid way of looking at the world. The organization must view change as an inevitable and essential part of an organization’s growth, in order to achieve this adaptability.

When there is uncertainty or unpredictability in the environment, managers tend to focus almost all their energy on successfully executing the current strategy. What they also should be doing is preparing for an unknown future. Flexibility stems from the ability to learn; managers tend to overlook the negative and emphasize the positive. They need to understand not only what led to the positive outcomes but also what led to the negative ones. This will optimize their learning experience. According to Ford (2004) four points to foster and maintain adaptability include challenging complacency, giving all employees a voice, encouraging participative work and driving fear out of your group.

The companies chosen for this task vary by industry: a famous automobile manufacturer (Ford) a bank going through a merger (Compass) and a start-up software company (DawningStreams). Ford and Compass have been in business for a long time; it is likely they have changed their strategic plan based on changing forces and trends. DawningStreams is new (established in 2005 and incorporated in 2007). Even though they have not had their first sale and have no staff, the owners have devised several iterations of their strategy.

There is a diversity of stakeholders all that are interested in the activity of business organizations. Emphasis must be placed on their adaptability in strategic analysis and their adaptability in strategic management of business organizations. The organization must have a strategic management model.

Each company might scan the same areas, but for different reasons. Considering technological advances, Ford would prepare itself to lead the market by having various electronic equipment in their vehicles, as well as robotic equipment with which to build them and the supply chain technology to keep all in check. Compass Bank is going through a merge and expanding globally; therefore they will need to keep abreast of communication technology. DawningStreams is a software company; they will need to monitor those companies who would be their competition to ensure their product offers better functionality. All three companies would make sure potential customers would be able to get good information from internet websites and advertisement, which encompasses yet another area of technology the organizations may need/want to scan. In this instance, many members of the organization must be enrolled: upper management and finance, who will determine budgetary factors; the IT department, who will be responsible for the implementation and maintenance of some of the technology; the staff who must be trained to use the technology; a sales force who will sell the technology.

To the outside observer, it may seem unnecessary for any but Ford to scan the (actual) environment when it comes to issues such as emission control, fuel efficiency and hybrid cars. That is true however; Compass Bank and DawningStreams can plan a strategy to be friendlier to the environment (and their pocketbooks) by practicing paper reduction (through the aforementioned technology). Lastly, DawningStreams’ product may be useful as a file sharing service to environmental groups.

With regard to the legal environment, all three must be acutely aware of laws, which affect their respective industry among others. To Ford, legal applies, among other areas, to environmental protection laws and department of transportation safety laws. To Compass Bank, they would abide by the rules of the Federal Reserve (www.federalreserve.gov) and the Federal Insurance and Deposit Corporation (www.fdic.gov). DawningStreams must follow laws as they pertain to the transfer of files, which have intellectual property and also the export of products, which have algorithms. All three companies are global and will need to monitor those laws in other countries, which could effect the strategic planning.

At one company after another–from Sears to IBM to Hewlett-Packard to Searle, strategy is again a major focus in the quest for higher revenues and profits. With help from a new generation of business strategists, companies are pursuing novel ways to hatch new products, expand existing businesses, and create the markets of tomorrow. Some companies are even recreating full-fledged strategic-planning groups. United Parcel Service expects to spin out a new strategy group from its marketing department, where strategic plans are now hatched. Explains Chairman Kent C. Nelson: “Because we’re making bigger bets on investments in technology, we can’t afford to spend a whole lot of money in one direction and then find out five years later it was the wrong direction.”

In such a world we need a planning model that allows us to anticipate the future and to use this anticipation in conjunction with an analysis of our organization–its culture, mission, strengths and weaknesses–to define strategic issues, to chart our direction by developing strategic vision and plans, to define how we will implement these plans and to specify how we will evaluate how well we are implementing these plans. The fact that the world is changing as we move forward in the future demands that the process be an iterative one.

Ford Motor Company – Socio-cultural

Ford Motor Company embraces the socio-cultural changes taking place to allow the company to move in the right direction with respect to attitudes in the society. Two areas that stand out in terms of socio-cultural attitudes would be that of fuel economy and smaller cars. The growing concern by the public for better fuel economy has influenced the company’s introduction of the Ford Escape Hybrid and Mercury Mariner Hybrid. The organization is committed to the hybrid to improve fuel economy as a global strategy to meet customer demands. The increased demand in society for such environmentalism has assisted in the decision for Ford Motor Company to look forward to adding the hybrid feature to the Ford Fusion and Mercury Milan and continue in such a strategic planning direction.

The customers that use these vehicles get a substantial break on their insurance in many states and a tax credit as well while enjoying the increased mileage of a vehicle that runs on gasoline and capabilities for 100 percent electric power. The environmental scanning by Ford Motor Company has allowed the company to be knowledgeable of the fact that the people in the United States are buying more small cars today than any other type of vehicle segment. The lifestyles changes have been monitored and there is good data that shows that such a trend will continue in this direction and the expected growth in this segment will continue. The company has redesigned the inside and outside of the Ford Focus to set the car apart from the competitors in the small car segment while increasing upgrades and features to experience positive outcomes. The direction that the company is taking is based on a competitive advantage and being a leader in the industry. The vehicle line has both a sedan and a coupe to attract targeted markets including younger buyers at an entry level to build upon brand loyalty and customer retention. Ford Motor Company will continue to use the socio-cultural factors to drive the business and enjoy future success.

Ford Motor Company – Legal –

Ford Motor Company with regard to the Environmental Protection Agency adheres to the legal aspect of environmental scanning. Ford Motor Company accepted an award in March 2007 from the Environmental Protection Agency called the Energy Star 2007 Partner of the Year Award in Energy Management. The company is the first automaker to have ever been awarded the award two years in a row. The award has come to be presented due to the commitment made by the company to increase energy efficiency and to reduce the greenhouse gas emissions from all of the facilities in the company.

The organization is committed to the responsible use of resources and energy efficiency. The leadership realizes that the environmental protection laws are of great importance and use the environmental scanning to move in the right direction to obtain future success in the company. In 2006 alone the company has improved the energy efficiency in the United States operations by five percent and saving approximately $25 million with enough energy saved to equal 220,000 homes. The effective energy management protects the environment and reduces the greenhouse emissions. Some of the actions taken by the company include replacing lighting fixtures that use 40 percent less energy and using different low-energy, long-lasting compact fluorescent lamps in the properties to include the plants, corporate offices, distribution centers, and research and development campuses. Due to the environmental scanning that takes place at Ford Motor Company the company will use the information that is collected and continue in this direction. New projects for the company include Fumes-to-Fuel that is a system that converts paint fumes into electricity that is being performed with Detroit Edison along with attempting to consolidate the application of primer, base and clearcoat paint applications into a single application to eliminate the need for separate applications and ovens. In addition to the paint booth emissions Ford Motor Company will continue to rely on alternative energy sources such as landfill gas and wind and solar technologies to power their manufacturing facilities.

Ford Motor Company – Technology –

Another environmental scanning tool that Ford Motor Company monitors and uses would be the technological portion. The company has invested $1 billion in the latest technology for flexible manufacturing. The technology that is involved is in many forms to include wireless technology that is installed on the delivery trucks with supplies to the plant as a monitoring status and improved efficiency to reduce inventory. The flexibility of products in the same plant allows the organization to use the same machinery and process for all areas from body assembly, paint facility, and final assembly. The improved efficiency at the manufacturing facility allows for several vehicle platforms to be built on the same line to produce multiple models and quickly change the vehicle mix, the volume, and options based on customer demand.

The technological changes that are being embraced by Ford Motor Company through environmental scanning enables the company to experience huge cost savings through new product launches and 50 percent reductions in cycle changeovers along with waste reduction. Robots are among the technological changes that are being experienced within the organization to include the 400 from the project that are used to weld and assemble the metal body of the vehicle for stamping and assembly. Artificial intelligence in the form of advanced visions systems and laser tracking systems are used to ensure quality through accuracy and dimension abilities. A multi-million dollar training facility is used to ensure that the workforce has the knowledge, skills, and ability to reap the benefits from the new technology that is being used by the company. The training that is administered includes the new servo-electric weld gun system that identifies the perfect center for welding that has replaced the older and loud air-powered system that used a less sophisticated spring system. The environmental scanning of technology that is performed by Ford Motor Company has allowed the company to have positive outcomes in efficiency while remaining a competitive company in the industry through cost savings and continuous improvement.

Compass Bank- Political –

On February 16, 2007, Compass Bancshares, Inc., the parent company of Compass Bank, announced the signing of a definitive agreement under which Banco Bilbao Vizcaya Argentaria, S.A. (NYSE: BBV Madrid: BBVA) (“BBVA”) will acquire Compass for a combination of cash and stock. Compass will become a wholly owned U.S. subsidiary of BBVA and will continue to operate under the Compass name. The transaction is expected to close during the second half of 2007, pending customary closing conditions, including necessary bank regulatory approvals in the U.S. and Spain and the approval of the stockholders of both Compass and BBVA.

BBVA, which operates in 35 countries, is based in Spain and has substantial banking interests in the Americas. The transaction will facilitate BBVA’s continued growth in Texas and will create the largest regional bank across the Sunbelt. Upon completion of the transaction, Compass will rank among the top 25 banks in the United States with approximately $47 billion in total assets, $32 billion in total loans and $33 billion in total deposits. In addition, the combined company will rank fourth in deposit market share in Texas with $19.6 billion in total deposits and 326 full-service banking offices.

Compass is a $34 billion Southwestern financial holding company that operates 415 full-service banking centers in Alabama, Arizona, Colorado, Florida, New Mexico and Texas. Compass provides a broad array of products and services through three primary lines of business – Corporate Banking, Retail Banking and Wealth Management. Compass is among the top 30 U.S. bank holding companies by asset size and ranks among the top earners of its size based on return on equity.

Under the terms of the definitive agreement, which has been approved by the board of directors of Compass and the relevant bodies of BBVA, Compass will become a wholly owned subsidiary of BBVA. After closing, BBVA intends to merge its U.S. based banking affiliates – including the former operations of Texas Regional Bancshares, State National Bancshares and Laredo National Bancshares – with Compass.

The aggregate consideration is composed of a fixed number of approximately 196 million shares of BBVA common stock and approximately $4.6 billion in cash. The merger is subject to customary closing conditions, including necessary bank regulatory approvals in the U.S. and Spain and the approval of the stockholders of both Compass and BBVA. The transaction is expected to close in the second half of 2007.

The merger between both companies will be determined by the political factors ranging from implications of laws and regulations to the state of world politics including the consideration of wars which may be going on in different parts of the world. New laws, regulations, tax programs and public policy create forces and trends, which may provide challenges and barriers or opportunities for any company or organization.

Compass Bank – Technology –

Ford is in the process of implementing a laser marking system on its production line to ensure the highest standard on each transmission assembled. The system will be checking for quality on different points on the assembly line. Ford is teaming up with a company called MECCO to implement this process and a trial run of the new system will last for 3 months. MECCO is a leader in its industry when it comes to laser technology. The decision to implement this new laser marking system came because it is more cost- effective and safer than previous ways of marking checkpoints for quality.

Although this process at Ford has not officially been implemented yet, Compass Bank can learn a few different things. It may be a good idea for Compass Bank to do a short trial of online cell phone banking to see how popular it becomes and if it worth all the time and effort, being spent to get it launched. Compass Bank should also consider investing into a company who is the best at what they do, is in the same time zone, and can meet their demands in a timely manner, not simply because they may be cheaper. Finally, Compass Bank can learn that they need to consider what will be most cost-effective and in the best interest of the company over time. Organizing a time line and a list of costs and potential risks would also be beneficial to Compass Bank so they know what to expect and when with the implementation of online cell phone banking.

When completing the global scan one looks for emerging new technologies which may impact any business in any industry. At one time the emergence of the Internet was a technology that was becoming an emerging trend across all industries. Today very new technologies are used to develop information systems at a fraction of the cost and time of processes that were used five years ago. Wireless is a telecommunications technology that may have moved from a trend to a force in revolutionizing the way information is stored, accessed and used across all industries around the world. Some, if leveraged by a company within an industry before competitors use it, may even provide a competitive advantage.

Compass Bank – Competition –

Although mergers may be costly and rather difficult, the value it creates in the end is the desired outcome companies seek. The eagerness to merge is based on several beliefs, those beliefs are, that the performance gains are greater, expenses are reduced, market power is increased, and shareholder’s wealth is also greater than before. The value of a merger is enhanced when the overall benefit is more valuable than the aggregate of two separate pre-merger companies.

In the end, both John and Bernard should consider this before finalizing a decision. When Zion’s purchased Stockmans, there overall value increased by 43 branches. These branches will help performance and brings much more power to the financial market. In the Journal of Money article, Pilloff states “Companies are more willing to acquire others to avoid being acquired themselves.” Keeping this in mind, companies must figure out a cross border strategy.

As part of the broad environmental scan, it is important to identify the internal capabilities of the organization. There are various models for defining capabilities. Most focus on the broad set of intangible assets such as brand, human capital, organizational capital and even relationship capital. Others include the more concrete assets such as available capital, the organization structure, current technologies and information technology infrastructure. In addition to doing a broad environmental trend, Compass Bank needs to do a more detailed capability assessment using any of the models available.

DawningStreams – Competitors –

Business activities are becoming more and more complex to manage, because of distance, time zones, number of parties involved in projects, number of tasks to achieve, multiple prioritizations, lack of general synchronization, insufficient secure and confidential communication channels and growing complexity of IT infrastructures. The use of task list managers has become very common. It is becoming more difficult to keep teams synchronized, to follow and to implement new business processes and to exchange sensitive information confidentially. The DawningStreams software application is aiming at increasing the practicality of daily executive activities. The types of business, which will most probably be interested in our product, are construction (size of network), consulting (need for synchronization), pharmaceutical research (secure exchange of information) and the software industry (complexity of manufacturing).

Many companies have already developed software applications that enable secured communications and file sharing. However, most, if not all, are relying on Microsoft technologies, which prevent them from expanding to Mac or Unix users. DawningStreams is developed in Java, which can be used on any platform, including Mac and Unix. Microsoft has acquired the Groove Company and has released a new version of the product, which can perform many of the functionalities of DawningStreams, but not generic activities (http://office.microsoft.com/en-us/groove/default.aspx). This is our closest competitor by far. More recently, we found, merely by accident, a company called Shinkuro (www.shinkuro.com), which offers the file sharing aspects of DawningStreams but lacks other capacities.

Although DawningStreams will face competition from many existing players, the fact that it will combine a super-set of functionalities in one application, for a very reasonable price, will give it some leading edge over other competitors. If the US patent is granted, the position of DawningStreams will become a niche. Even if the patent were not granted, it would take a profound architectural redesign of Groove (or other competitors) to include generic activities and match the offer of DawningStreams. As a strategy we will monitor the activities of those companies’ websites and understand what they offer in terms of similar functionality and try to ensure we match or best those functionalities to the best of our ability and resources

DawningStreams – Political –

Maintaining the secrecy of information is the fundamental function of encryption items. Persons abroad may use such items to harm US law enforcement efforts, as well as US foreign policy and national security interests. The US Government has a critical interest in ensuring that persons opposed to the United States are not able to conceal hostile or criminal activities, and that the legitimate needs for protecting important and sensitive information of the public and private sectors are met. Since 2000, US encryption export policy has been directed by three fundamental practices: technical review of encryption products prior to sale, streamlined post-export reporting, and license reviews of proposed transactions involving strong encryption to certain foreign government end-users and countries of concern. US encryption policy also seeks to ensure that American companies are not disadvantaged by the European Union’s “license-free zone.” (Bureau of Industry and Security, 2007).

DawningStreams will contain cryptographic functions. Any reliable and efficient cryptographic system requires a central authority to avoid identity theft. Cryptography is a key functionality of DawningStreams. All specialists insist on designing systems using well-studied algorithms and fully tested protocols; novelty is considered a source of risk. The cryptographic layer of DawningStreams will rely on a dual public-private key system. The private key encryption system will implement Rijndael, the Advanced Encryption Standard (http://csrc.nist.gov/CryptoToolkit/aes/rijndael/), the public key system will implement RSA (www.rsa.com) and the hashing function will implement the 256 bits version of the Secure Hash Algorithm (http://secure-hash-algorithm-md5-sha-1.co.uk/ ).

Encryption products can be used to conceal the communications of terrorists, drug smugglers, and others intent on harming U.S. interests. Cryptographic products and software also have military and intelligence applications that, in the hands of hostile nations, could pose a threat to U.S. national security. The national security, foreign policy, and law enforcement interests of the United States are protected by encryption export controls. These controls are consistent with Executive Order (E.O.) 13026, which was issued on November 15, 1996, and the Presidential Memorandum of the same date. (Bureau of Industry and Security, 2007).

DawningStreams also plans to be an international company, as offices now exist in the Netherlands and the US. As part of the strategy, we will ensure we remain compliant by registering our product with any necessary agency and allowing those agencies access to the processes if they feel there is a threat. We will be responsible to monitor (as best as we can) our client base and to put the proper verbiage in our contracts that illegal activities will not be tolerated. We will continue to monitor the BIS site mentioned in previous paragraphs and also sites in the European Union such as the Crypto Law website of legal expert Bert-Jaap Koops (http://rechten.uvt.nl/koops/)

DawningStreams – Technology/Intellectual Property –

The management of organizational strategy requires a comprehensive assessment of the macro environment of the business. Intellectual Property (IP) refers to the original ideas and innovations evolved by an organization in order to haul up its systems and processes. Creation of ideas requires large investments. This necessitates the protection of IP. Benchmarking is the continuous process of measuring products, processes, and systems of an organization against those that are rated best in the industry. It helps in uncovering weaknesses and flaws in the organizational systems, processes, and products. (Watson, 2003)

The study of the global research conducted by McAfee Inc. and MessageLabs Ltd. on security threat in small businesses in the U.S. reveals that 80 percent of small-and-medium-sized businesses (SMB) believe that an information technology (IT) security failure would be damaging in attaining their business priorities. Yet, only few are courageously making steps to fight against infringements due to resource limitations from other business related priorities. The research implies that company size plays an essential part in the way senior management views security. Among the challenges that SMBs face include keeping up-to-date with security solutions and keeping costs low. Small-to-medium businesses’ behavior towards security is very tactical and meets only immediate requirements. (unknown, 2007)

DawningStreams’ relevance to these forces is two-fold. We are a software company—there is an opportunity for us to lose the intellectual property by those who would download and attempt to modify the code. We have competitors who offer functionality similar to ours, however we offer an additional functionality the others do not. It is this ‘specialty functionality’ for which we applied for a patent the United States Patent and Trademark Office. If the patent is granted, there is less likelihood of software piracy or the loss of our IP. Environmental scans should show us if there are other companies trying to do this.

The functionality, which most resembles our competitors’, is the ability to share files. That brings in a different concern with intellectual property- the possibility someone else’s IP could be sent from one of our users to another, as this could seriously damage our reputation, as what happened with Napster. (www.napster.com).


At one company after another–from Sears to IBM to Hewlett-Packard to Searle, strategy is again a major focus in the quest for higher revenues and profits. With help from a new generation of business strategists, companies are pursuing novel ways to hatch new products, expand existing businesses, and create the markets of tomorrow. Some companies are even recreating full-fledged strategic-planning groups. United Parcel Service expects to spin out a new strategy group from its marketing department, where strategic plans are now hatched. Explains Chairman Kent C. Nelson: “Because we’re making bigger bets on investments in technology, we can’t afford to spend a whole lot of money in one direction and then find out five years later it was the wrong direction.”

In such a world we need a planning model that allows us to anticipate the future and to use this anticipation in conjunction with an analysis of our organization–its culture, mission, strengths and weaknesses–to define strategic issues, to chart our direction by developing strategic vision and plans, to define how we will implement these plans and to specify how we will evaluate how well we are implementing these plans. The fact that the world is changing as we move forward in the future demands that the process be an iterative one.


Bilek, E. (n.d.) Compass Bankshares to be Acquired by Banco Bilbao Vizcaya Argentaria, S.A.,

Investor Relations. Retrieved from the Internet on March 31, 2007 at


Cole, Jim. Zions makes small deal, cites growing Arizona market. American Banker, 171(175), 1-1. Retrieved March 31, 2007 from Proquest Database.

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from the World Wide Web, Web Site: [https://ford.com]

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Hockenberry, Todd. (2006). Ford implements advanced laser marking. Industrial Laser Solutions, 21(4), 6-7. Retrieved March 31, 2007, from EBSCOhost database

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April 1, 2007 from EBSCOHost Database.

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54. Retrieved March 30, 2007 from EBSCOHost Database.

Pearce, J. & Robinson, R, (2004). Strategic Management: Formulation, Implementation, and Control. [University of Phoenix Custom Edition e-text]. The McGraw-Hill Companies. Retrieved March 2007, from the University of Phoenix, Resource, MBA 580-Strategies for Competitive Advantage Course Web Site: https://ecampus.phoenix.edu/secure/resource/resource.asp

Author Unknown, Strategic Planning, After a decade of gritty downsizing, Big Thinkers are back in corporate vogue. (2006) Retrieved from the Internet at http://www.businessweek.com/1996/35/b34901.htm

Unknown (2007) 80% of Small-to-Medium Sized Firms Fear a Security Threat. Computer Security Update 8 (4). Retrieved March 30, 2007 from EBSCOHost Database.

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Watson, G. (2003) Business Environmental Scans for Intellectual Property Strategy (PowerPoint Presentation). Retrieved March 28, 2007 from the Oklahoma State University website at http://www.okstate.edu/ceat/msetm/courses/etm5111/CourseMaterials/ETM5111Session3Part2.ppt#260,1,Business Environmental Scans for Intellectual Property Strategy

Apply your own expertise! – Machine Vision solutions that will be cheap and configurable by users

Increasing computing power, for example, has helped machine vision solutions gain popularity in a variety of automated control and measurement applications. In certain problems, the power of optical systems is already well recognized, but something about machine vision is that possible uses are limited only by our imagination. Adventurism, however, can – quite naturally – curb costs because modern optical systems can grow into significant costs with all the specialized equipment, software, configuration and support, which ultimately slows down the progress of innovative solutions.

Other aspects lie behind the initial design, such as the possibility of modification. Some systems offer flexibility and allow them to be changed or adjusted according to process variables, but almost always require suppliers to perform. Such cases are common when, for example, products or raw materials undergo changes, or when process disruptions are eventually identified. Let’s say we talked about the production process. The manufacturer himself is often the most qualified expert for his own process, and it would be ideal if the manufacturer could, first-hand, optimize machine vision solutions to meet needs. This would achieve the desired performance while saving on costs and possible downtime.

The above approach is expected to have its challenges. Users must also handle equipment (eg camera) and software. They could also use knowledge of the basic principles of optical solutions, such as lighting. The fact is, however, that problems never have only one right solution, and a good setting or combination of parameters is often found through trial and error. When the manufacturer has the ability to configure the system, the expertise of the process itself can be applied in the most direct way, giving priority to both creating and changing the system.

Technological development is bringing us closer and closer to such optical solutions in which external support and costs can be minimized. This is due, for example, to advanced standardized hardware and communication interfaces, and increasingly versatile and powerful software. Software, first of all, is used to design solutions, but in the end it is possible to have one control of almost everything, from cameras to external devices. So, the essence lies in the software used in the design and control of machine vision systems.

Good software for such an approach is versatile, but at the same time easy to use. It contains a wide range of image processing functions, the algorithms are efficient and the elements can be practically combined and sequenced with different structures. A variety of software can also communicate effectively with other devices and manage data storage. The software is built around a simple and consistent user interface, and I / O configurations are easy to manage.

This article projects an aspect of the evolution of machine vision solutions where technological development brings users closer to complete control and understanding of optical systems. A variety of useful applications are already achievable with little effort and cost, and not only will that choice grow, but affordable vision design software also allows users to apply their own expertise. As a result, optical solutions will be able to show their enormous instrumentality.

What is Bitcoin and is it a good investment?

Bitcoin (BTC) is a new type of digital currency – with cryptographic keys – that is decentralized to a network of computers used by users and miners around the world and not controlled by a single organization or government. It is the first digital cryptocurrency to attract public attention and is accepted by a growing number of merchants. Like other currencies, users can use digital currency to buy goods and services online, as well as in some physical stores that accept it as a form of payment. Currency traders can also trade bitcoins in bitcoin exchanges.

There are several major differences between Bitcoin and traditional currencies (e.g. the US dollar):

  1. Bitcoin does not have a centralized authorization or clearing house (e.g. government, central bank, MasterCard or Visa network). The peer-to-peer payment network is managed by users and miners around the world. Currency is anonymously transferred directly between users via the Internet without passing through a clearing house. This means that transaction fees are much lower.
  2. Bitcoin is created through a process called “Bitcoin mining”. Miners around the world use mining software and computers to solve complex bitcoin algorithms and to authorize Bitcoin transactions. They were rewarded with transaction fees and new Bitcoins generated by solving Bitcoin algorithms.
  3. There is a limited amount of Bitcoin in circulation. According to Blockchain, there have been about 12.1 million in circulation since December 20, 2013. Difficulties in mining Bitcoin (solving algorithms) are becoming more difficult as more Bitcoin is generated, and the maximum amount in circulation is limited to 21 million. The limit will not be reached until around 2140. This makes Bitcoin more valuable because more and more people are using it.
  4. A public book called ‘Blockchain’ records all Bitcoin transactions and shows the ownership of each Bitcoin owner. Anyone can access the public ledger to check transactions. This makes digital currency more transparent and predictable. More importantly, transparency prevents fraud and double consumption of the same Bitcoins.
  5. Digital currency can be acquired through Bitcoin mining or the Bitcoin exchange.
  6. Digital currency is accepted by a limited number of merchants on the web and at some retail outlets.
  7. Bitcoin wallets (similar to PayPal accounts) are used to store Bitcoin, private keys and public addresses, as well as to anonymously transfer Bitcoin between users.
  8. Bitcoins are not insured and are not protected by government agencies. Therefore, they cannot be recovered if a hacker steals secret keys or loses them on a faulty hard drive or due to the closure of a Bitcoin exchange. If the secret keys are lost, the associated bitcoins cannot be recovered and will be out of sight. Visit this link for the Bitcoin FAQ.

I believe Bitcoin will gain more public acceptance because users can remain anonymous while buying goods and services online, transaction fees are much lower than credit card payment networks; the public book is available to all, which can be used to prevent fraud; the supply of currency is limited to 21 million, and the payment network is managed by users and miners instead of the central government.

However, I don’t think it’s a great investment tool because it’s extremely volatile and not very stable. For example, the price of bitcoin rose from about $ 14 to a peak of $ 1,200 this year before falling to $ 632 per BTC at the time of writing.

Bitcoin has risen this year as investors have speculated that the currency will gain wider acceptance and become more expensive. The currency fell 50% in December as BTC China (China’s largest bitcoin operator) announced it could no longer accept new deposits due to government regulations. And according to Bloomberg, China’s central bank has banned financial institutions and payment companies from handling bitcoin transactions.

Bitcoin is likely to gain more public acceptance over time, but its price is extremely volatile and very sensitive to news – such as government regulations and restrictions – that could negatively affect the currency.

Therefore, I do not suggest investors to invest in Bitcoins unless they are purchased at a price of less than $ 10 per BTC as this would allow much higher margin of safety.

By the way, I believe it is much better to invest in stocks that have strong fundamentals as well as great business prospects and management teams because core companies have intrinsic values ​​and are more predictable.

Discovery: Victor Liang has no position in Bitcoins and has no plans to change his position in the next 72 hours.

What is a cryptocurrency?

Cryptocurrency or cryptocurrency (Saxon cryptocurrency) is a virtual currency that serves to exchange goods and services through electronic transaction systems without the need to pass through any intermediary. The first cryptocurrency to be traded was Bitcoin in 2009, and many others have emerged since then, with other features such as Litecoin, Ripple, Dogecoin and others.

What is the advantage?

When we compare cryptocurrency with money in the ticket, the difference is that:

They are decentralized: they are not under the control of the bank, the government and any financial institution

Are you anonymous: your privacy is preserved when conducting transactions

They are international: everyone washes with them

They are sure: your coins are yours and from no one else, they are kept in a personal wallet with non-transferable codes that only you know

No intermediaries: transactions are performed from person to person

Fast transactions: interest is charged for sending money to another country and confirmation days are often required; with cryptocurrencies just minutes.

Non-refundable transactions.

Bitcoins and any other virtual currency can be exchanged for any world currency

They cannot be falsified because they are encrypted with a sophisticated cryptographic system

Unlike currencies, the value of electronic currencies is subject to the oldest market rule: supply and demand. “It currently has a value of more than $ 1,000 and as stocks, this value can go up or down in relation to supply and demand.

What is the origin of Bitcoin?

Bitcoin is the first cryptocurrency created by Satoshi Nakamoto in 2009. He decided to launch a new currency

Its special feature is that you can perform operations only within the network.

Bitcoin refers to both the currency and the protocol and the red P2P it relies on.

So what is Bitcoin?

Bitcoin is a virtual and intangible currency. That is, you can’t touch any of its shapes like coins or banknotes, but you can use it as a means of payment in the same way as these.

In some countries, you can cash in using an electronic debit card site that exchanges money with cryptocurrencies such as XAPO. In Argentina, for example, we have more than 200 bitcoin terminals.

Undoubtedly, what distinguishes Bitcoin from traditional currencies and other virtual means of payment such as Amazon Coins, Action Coins, is decentralization. Bitcoin is not controlled by any government, institution, or financial entity, whether public or private, such as the euro, which is controlled by the Central Bank, or the dollar by the United States Federal Reserve.

In Bitcoin, they control real, indirectly through their transactions, users through P2 P (Point to Point or Point to Point) exchanges. This structure and lack of control make it impossible for any government to manipulate its value or to provoke inflation by producing larger quantities. Its production and value are based on the law of supply and demand. Another interesting detail in Bitcoin is the limit of 21 million coins, which will be reached in 2030.

How much is Bitcoin worth?

As we have pointed out, the value of Bitcoin is based on supply and demand, and is calculated using an algorithm that measures the amount of transactions and transactions with Bitcoin in real time. Currently, the price of Bitcoin is 9,300 USD (as of March 11, 2018), although this value is not much less stable and Bitcoin is classified as the most unstable currency in the foreign exchange market.