Archive for the ‘Main’ Category

Thin-Film Deposition Rate Monitoring in Real Time

Around the world, research labs and industrial manufacturing where dielectric and semiconductor films and coatings are deposited with high precision all benefit from kSA RateRat Pro, an optical metrology tool for thin-film characterization in precision optical coatings, solar cell, LED and semiconductor manufacturing. It measures thin-film deposition rate and thin-film thickness in real-time.

The tool’s algorithm continuously updates the optical constants of the film. It is compatible with any type of deposition method. All of its components are outside the vacuum chamber, as a compact bolt-on accessory.
It can suit the needs of a wide variety of applications and materials, including different laser wavelengths, and allow software integration with all major process control platforms.

Fixed Income Investments

As every investor knows, there are a lot of options for your investment dollars. Most investors are familiar with options such stocks, bonds, real estate, gold and a few other common choices. The types of investments one chooses are based on risk and reward preferences and the economic outlook. The possibilities and combinations are limitless. Even within a particular area there are many choices and decisions that need to be made. The considerations are no less complex just because you have narrowed it down to one type of investment.

For example, within fixed income investments, also known as bonds or debt instruments, there are many options with different levels of risk and return. Some of these are well known while others are newer and not as widely understood.

Many investors opt for buying corporate or government bonds directly from the issuer, which is either a company or a government (which can be federal, state or local). The down side to this method is that bonds are expensive so an investor may not be able to diversify easily. Also, it is difficult to reinvest dividends.

The challenges with buying bonds directly can be eliminated by purchasing shares of bond mutual funds. These funds exist for every type of bond imaginable, including domestic and foreign governments, corporate, high risk, and many more. These funds by large numbers of bonds so a few defaults do not have a significant impact on the return of the fund. Also, they can reinvest the interest payments immediate as they are dealing with a large amount of payments. These are very popular fixed income investments that most diversified investors include in their portfolios.

The problem with bond funds is that many investors feel they do not earn a sufficient return. Interest rates have been well below historic norms for over 10 years and this has made bonds an unattractive investment, especially for people who are attempting to use this income for their living expenses. One alternative that many investors are discovering is investing in peer to peer loans. Peer to peer lending, also known as P2P lending investing, or social lending allows investors to put their money in a large number of personal loans to regular people borrowing to payoff credit cards and other reasons. The interest paid by borrowers goes right to investors and they can reinvest it in new loans. The interest rates paid to lenders range from 6% to 27%. While default rates are high for the risky loans, the overall return to investors can be significantly higher than other forms of fixed income investments. For this reason, many people are turning to p2p lending investing as a source of better returns. The industry has grown a lot in the last ten years and is now issuing billions of dollars in loans every year.

If you are considering fixed income investments or have already chosen some for your portfolio, you may want to reconsider some of your choices. Peer to peer lending investing is an alternative to traditional bond and debt investments. There may be ways to enhance your portfolios return without adding a significant amount of risk. Furthermore, in certain regions or economic climates there may be good reason to change your investment mix from time to time.

Moving House Checklist

Moving house might be the last thing that you think might happen to you, but before you even know it you might find yourself in a situation when moving becomes necessary. For some reason, you might need to move maybe because you were offered a new job, or maybe because a relative needs you to take care of them and you need to live closer to them. Moving house does not have to be so bad if you have a checklist ready for you when you need it:

1. Sort out everything money related. Moving house is never free as there are many people you will need to pay to such as moving companies for example. Make sure that you are ready for all sorts of expenses, and if necessary borrow some money from family members or even consider taking a loan from a bank.

2. Consider hiring a storage unit such as storage units Anaheim. Such units can be true life savers if you find yourself in between two houses. With the help of those units you can enjoy the freedom of being able to deposit your belongings without the fear that something might happen to them. If you need to vacate your current home because somebody else needs to move in this shouldn’t be a problem especially if you can store your belongings in a storage facility. hiring such a unit can also be useful if your new property is not ready yet for you to move into.

3. Book your moving company as early as possible to avoid disappointment. In some busy periods many moving companies might not be available to hire when you need them, so make sure that you check in advance to see what options you have available.

4. Sort out your insurance. During the move your belongings might not be insured. Buying proper insurance for the duration of the move might be a smart thing to do as there is a chance that your goods are going to be destroyed. Having the right policy is a guarantee that you are going to be properly compensated if something goes wrong.

International Workshop on Nitride Semiconductors

The International Workshop on Nitride Semiconductors 2018 (IWN 2018) will be held November 11-16, 2018 in Kanazawa, Japan.

IWN 2018 will feature workshops on growth, characterization, optical and electronic devices. Attendees will discuss the fundamental understanding of nitride materials as well as strategies to improve the performance of nitride devices.

k-Space Associates, a leading manufacturer of ex situ and in situ metrology tools for the semiconductor, thin-film, and photovoltaic industries will be represented through R-DEC. Founded in 1992, k-Space tools are used worldwide in research and production facilities to monitor nearly all thin-film deposition processes, including MBE, MOCVD, PLD, PVD, sputtering, and evaporation.

Expanding Your Business

Expanding your business is usually good news. If your profits are growing and your customerbase is larger than ever, this is definitely a reason to feel joyful. With all the benefits that expanding your business brings there are also some responsibilities that need to be taken care of. After all, expanding a business can be a daunting task for those who are inexperienced and have no clue what they are doing. Below you will find a few tips that can help you to make the expansion so much more smoother and under control.

1. If you are unsure whether or not you know how to handle the expansion of your business it is always best to assume that you might not know how to do it. If this is the case, don’t hesitate to ask for help. You will find many friendly people around you who have been there before and who would be willing to offer you a helpful hand, for a price or for free, depending on your circumstances.

2. If you find yourself in a situation when expanding your business means moving to a bigger facility consider hiring one of the many storage units Chicago that can prove to be very helpful before and after the move. This way you will have a reliable place where you can store all your belongings for the duration of your move. You will be able to come there at any time to deposit as well as to withdraw any assets belonging to you and your company.

3. Don’t be afraid to experiment and take risks. You won’t be able to achieve anything unless you are ready for a failure, something that happens to a lot of business people. In order to be successful many people need to fail at first. Don’t get discouraged only because things did not turn out to be what you expected. there will be many situations in your life when things will go wrong and turn into something unexpected. Make sure that you are always ready to learn from your failures because this is the way you will need to learn to overcome the obstacles in the future.

Financial Planning Advice

No matter how much money you make each and every single day of your life, what matters is how you manage it. There are some people out there who earn very little, but at the same time they know how to spend their money wisely and don’t lack anything. Very often, you will discover that you might need that extra help to help you to manage your money in this hectic world. below you will find some advice that can prove to be useful to you in case you are looking for some pointers that can add some assets to your fortune

1. Plan early in life so that you can see the benefits for many years to come. It is common for many people to plan their finances later in life when their assets are dwindling, but I strongly believe that the earlier in life you plan, the more years you will have to benefit from your planning and the happier you will be as the result. Very often, it will make sense to plan the financial future of your children or even grandchildren. As a matter of fact, the earlier you do it, the better for everybody.

2. Don’t assume that in this chaotic and hectic world you are on your own. There are many people out there that would be more than happy to offer you their helpful hand. Just look at the example of Woodruff Financial Planning who specialise in all sorts of financial planning for people from all walks of life. It is up to you to decide how you want to use their expertise to your advantage.

3. Don’t assume that financial planning is for the rich and for corporations only. Even people with very little money at their disposal can already benefit from all the goodness that financial planning services offer. Even as an individual with a rather small fortune you have to make various decisions regarding your financial future such as when to retire, what percentage of your debt you should pay off so that you have enough money to pay your bills, whether or not you should move to a better apartment, etc.

Mistakes to Avoid When Trying to Get a Business Line of Credit Loan

As small business owners we often run into unexpected expenses during business operations. These situations could be equipment breakdown, supplies running low or sometimes you find a new income source and you need cash to take advantage of this new business opportunity.

These are the times when you need a good business line of credit to finance the unexpected, both negative and positive, situations that occur in every business.

Access to small-business capital has been drastically reduced due to the recent housing crisis and economic downturn. Luckily this does not mean that you as a small business owner cannot get this line of credit, just look beyond your local bank to alternative online lenders.

Applying for a business line of credit is a complex process that can be difficult. Here are tips from successful business owners about how avoid common mistakes that can reduce your chances of business credit line approval.

Don’t Rush Your Loan Application

Small business owners are amongst the most time challenged executives in America! You work long hours and wear many hats to manage your both business and employees. As such you have only a small amount of time to complete the paperwork and gather documentation for your business line of credit application. However do not let this time crunch negatively affect your chances of getting approved by rushing your application preparation.

Put aside a few hours to focus on your credit application. You need to be sure that you are entering the correct information about your sales, assets and expenses for the greatest likelihood of approval. Additionally you may need to include information such as your employer identification number and corporate bylaws. Allow time to be able to look up this information and access these documents.

Also be sure that both the telephone number and email that you list on your application goes to you directly and not to your retail location.

Don’t Wait Until It’s Too Late

Some business owners don’t plan ahead for their cash flow shortages and don’t realize that they need a line of credit until they are out of money. Instead the very best time to apply for your business line of credit is before you need it.

Not only is this prudent planning,  but also your financial statements will appear stronger to your bankers eyes.

Lenders will closely scrutinize your cash flow as the primary indicator of your ability to repay the line of credit.

Thus you want to show a full 12 months of positive cash flow in your financials. If you wait until you get into a negative cash flow position that lack of credit worthiness will become part of your application and could result in your loan rejection.

Don’t Be Vague About Why You Need the Funds

All lenders will ask you what you plan to do with the proceeds of the line of credit. They want to know how you intend to utilize this cash in your business operations.

Bankers want to understand your strategic business goals and see that you have thought out this process for the next six to twelve months.

If you are vague about how you will use this cash it indicates that you are a poor planner and do not manage your cash flow well. This will send up a red flag to lenders and could get your application denied.

Now that you know some of the mistakes not to make when trying to get a business line of credit I recommend that you read this Kabbage loan review.

 

SEMICON Japan 2018

SEMICON 2018, one of the most important trade fairs for the global semiconductor manufacturing industry, will take place December 12-14 in Tokyo. Since Japan supplies one third of semiconductor equipment and more than half of all semiconductor materials globally, it is not an overstatement that this event takes place in the heart of the semiconductor supply chain. As a result, 750 companies from Japan and other countries will exhibit at SEMICON, among them k-Space, a leading American supplier of in-line photovoltaic metrology tools. Their tools are used worldwide in manufacturing and research facilities for monitoring nearly all thin-film deposition processes.

How and Where to Find the Best MLM Leads

Nobody has any doubt that in order to excel at online marketing one needs to have an edge over everybody else. Getting to know the market takes a while, and to be able to be competitive one needs to spend a lot of time getting to know the ropes. Unfortunately, even if you spend a lot of money making yourself familiar with the market, there is still no guarantee that you are going to succeed and that your income is going to be good enough to justify quitting your day job.

I have been working online long enough to know that the role of the social media cannot be overlooked. These days, it is all about with whom you want to connect, and how to ensure that you have access to the latest information available on the Internet. Social media became easily one of the best ways to know about people’s likes as well as dislikes. It also applies if you want to find best mlm leads provided that you are into this sort of marketing.

I know what you might be thinking: you might be tempted to just buy mlm leads. This way you won’t have to do that much because somebody else has done everything for you. It turns out that this sort of thinking can be wrong for all sorts of reasons. the leads you buy are usually weak leads that will rarely give you any money. The leads you want are carefully targeted leads, not something you can just buy and be happy with. The leads that will lead you to money are all based on social media, because this is where all the information about people lies.

If you are still not sure how to get into generating MLM leads, the Internet is where you should start your research. If you click on the above link, it will take you to the right people who have tons of experience working from home and generating leads with the help of social media. After all, the future of humanity lies in the hands of social media, so overlooking it is not a smart thing to do.

6 Brilliant Ways to Start Making More Money & Avoid Debt

Money makes the world go round – if you’ve been following our blog, you’ll know that already!  Saving and cutting back on costly items and services is all well and good – the more money you can put aside, the better – but what if you were able to make even more money on a daily basis?  Putting time aside to create a healthier cashflow may seem impossible if you’re working a fair number of hours per week, but where there’s a will, there’s a way – there are plenty of ways for you to start making a little bit of extra cash on the side to stash away in your savings pot, and here are just a few of the best ones to get started.

Get Your Debts in Order

Ok– so this first point won’t exactly make you money right away, but what it will do is level the playing field so that you’re able to start making a profit.  If you’re in debt by any means at all – student loans aside – it’s high time you drew up a plan on how you’re going to get rid of what you owe – right now. Paying off your debts sooner rather than later will ensure that you have a clean slate to start upping your monthly income and profits – consult debt advice experts and discuss options such as consolidation, the quickest ways for you to clear what you owe and more besides.  The sooner it’s gone, the sooner you can drum up that extra cash.

Cut the Unnecessary Costs

You may not have the healthiest credit report on the block, but that hardly matters if you’re keen to start living off your own money, and more of it – and the best way to start seeing more money rolling in is to start cutting back on what you’re spending.  Keep your receipts, look at your subscription services, even think about changing your tastes for a month or two. Can you make lunch from home for a few weeks rather than go to the local supermarket for a £2.50 sandwich? Tighten your belt – and you’ll soon start raking in regular money that you can actively save and enjoy at your leisure and discretion.

Sell Your Stuff

If you’re the sort of person who enjoys ‘having things’, you may not have considered or have even entertained the idea of selling on your used items.  There are always going to be a few things we want to keep – for sentimental reasons or otherwise – but if you’re not using something, will you necessarily miss it if you sell it on?  eBay is a great place to start when it comes to selling your old clothes, DVDs, CDs and more besides – it’s an online jumble sale and you set the prices. Selling your old stuff will rack up a nice lump sum that you can put by for whenever you may need it.

Go Freelance

Working more hours may not sound particularly appealing on the face of it, but if you are particularly talented at writing, drawing, managing social media and more besides, there are more than a few sites out there where you can sign up and sell your expertise for anything from £5 upwards.  These sites welcome people of all skill levels and experiences, meaning that providing you can prove your talent, and providing you put the hours in over a few weeks, there’s no reason why you can’t start making a solid second income. Many have even been able to leave their day jobs to focus on their freelancing careers – who’s to say you won’t be next?

Surveys and Competitions

Survey websites and apps have been around for a long, long time, and while they may not give you stacks of cash right away, it does still pay to keep two or three – or even more – sites and profiles up and running so that you can reap the financial benefits.  Rather than rely upon one site where you may only be able to make £5 per month, if you have the time to give, sign up for several – get paid for your opinion and get a nice little windfall every so often if you keep up the interest.

Be Positive

Keeping a positive attitude to making and saving money is absolutely crucial – how can you achieve all of the above without one?  Set yourself goals, targets, and be realistic – but above all, really push yourself to succeed.

 

I am discussing all kinds of business and finance topics on this blog and I hope that the information I provide will prove to be useful.