Software Product Lines #what #is #productivity #software


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Software Product Lines

Overview

A software product line (SPL) is a set of software-intensive systems that share a common, managed set of features satisfying the specific needs of a particular market segment or mission and that are developed from a common set of core assets in a prescribed way.

Software product lines are emerging as a viable and important development paradigm allowing companies to realize order-of-magnitude improvements in time to market, cost, productivity, quality, and other business drivers. Software product line engineering can also enable rapid market entry and flexible response, and provide a capability for mass customization.

We are working to make software product line practice a dependable low-risk high-payoff practice that combines the necessary business and technical approaches to achieve success. If you would like to gain expertise in these practices, see training in product lines.

Benefits

Product lines can help organizations overcome the problems caused by resource shortages. Organizations of all types and sizes have discovered that a product line strategy, when skillfully implemented, can produce many benefits—and ultimately give the organizations a competitive edge. Example organizational benefits include:

  • Improved productivity by as much as 10x
  • Increased quality by as much as 10x
  • Decreased cost by as much as 60%
  • Decreased labor needs by as much as 87%
  • Decreased time to market (to field, to launch) by as much as 98%
  • Ability to move into new markets in months, not years

Learn More

  • Learn why product lines are needed.
  • Get started in product lines.
  • Read a history of the SEI’s research in software product lines.
  • Read about case studies and product lines that made it to the Hall of Fame .
  • Increase your knowledge of product lines through training .

Life Insurance Rates: Compare Life Insurance Quotes, what is a life insurance premium.#What #is #a #life #insurance #premium


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Life Insurance Rates

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What is a life insurance premium

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What is a life insurance premium

What is a life insurance premium

Brian is a certified life insurance, estate planning and financial service specialist with over 15 years of experience.

If you are one of the many consumers wondering if you are required to undergo a medical exam when applying for coverage, we have answers.

Whole Life Insurance

  • “Provides Complete Protection”
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  • Guaranteed death benefit payout
  • Ability to borrow against cash value
  • Coverage for your entire life if kept current

Term Life Insurance

  • “Offers Affordable Coverage”
  • Least expensive form of life insurance
  • Easy to understand and manage policy
  • Complete coverage at a great low rate
  • Guaranteed death benefit for current plans
  • Flexible term lengths

Universal Life

  • “The Flexible Payment Option”
  • Adjustable premiums for maximum flexibility
  • Guaranteed interest rate
  • Annually adjustable death benefit
  • Guaranteed monthly income option for beneficiaries
  • Policy can be maintained indefinitely

Survivorship Life

  • “Protects Your Legacy”
  • Covers two people, commonly spouses
  • Control over estate and legacy
  • Beneficiaries receive full amount of policy tax-free
  • Also known as second to die life insurance or joint insurance
  • Intended for wealth preservation

What is a life insurance premium

Free Life Insurance Quotes in Minutes

Your time is valuable. We have simplified our form to make it easy to complete within minutes. Once you have provided some basic contact information and medical details, you’ll receive life insurance quotes from a number of prestigious companies and can choose the premium that fits your budget. Buying life insurance is easier than ever before. Some life insurance companies require a basic medical exam, which can be completed at your home or office in a manner of minutes. You may even qualify for a streamlined non-exam plan from select providers.

What is a life insurance premium

The Importance of Life Insurance

Life insurance is one of the most important decisions you can make to give you and your loved ones financial security and peace of mind. If you were to die prematurely, how would your mortgage or debts be paid off? What would replace your much-needed income? How would your children be able to attend college? Buying life insurance answers these lingering questions and can put an end to uncertainty. Even if you live a healthy lifestyle, life insurance is an essential component of planning your retirement.

Once you submit the simple form, you can rest assured that our advanced matching process will put you in touch with reputable local agents who will help you find the best life insurance cost and a plan that meets your needs. If you have questions about life insurance claims or need to file a claim, our informative guides can help you. You may be wondering if a medical condition will affect your life insurance rates. The answer could be closer than you think. These guides also allow you to compare the different aspects of each life insurance policy and choose the best life insurance type for you and your family.

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Rasmussen College – Regionally Accredited College Online and on Campus #what #is #a #good #online #school


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Career You Want

We Have a History of Putting Students First

Walter Rasmussen founded Rasmussen College more than a century ago with a vision to provide education for growing careers and impact lives inside and outside the classroom.

Today, 115 years later, our community is made up of 22 campuses across six states and online students across the country yet, our focus remains the same. We put our students first and we keep our commitment to the communities we serve at the heart of everything we do.

Why Our Students Choose Rasmussen College

Quality Academics

We offer more than 70 quality programs across seven schools of study in a variety of convenient learning options. That’s how we prepare our students to succeed in the real world.

Accredited Curriculum

We are regionally accredited by the Higher Learning Commission. That means potential employers know your degree upholds high academic standards.*

Affordable Options

We offer affordable tuition rates, scholarship opportunities and seamless transfer policies to help make your education more affordable.

We’re here to support you while you earn your degree and begin your career. With academic, financial and career services professionals who are dedicated to helping you succeed, we’re here for you every step of the way.

PERCENT REDUCTION

51% is the maximum tuition reduction, applicable to part-time enrollment in our Computer Science Bachelor’s degree completion program. Reduction for full-time students who enroll in this program is 42%. The range for this tuition reduction is 16% to 51%. Note that students enrolled in programs with the Flex Choice option can attain additional savings by completing self-paced competency courses.

For complete cost of attendance information and an individualized estimate, please use the Rasmussen College Net Price Calculator, which is located here: www.rasmussen.edu/sid

IMPORTANT INFORMATION REGARDING ACCREDITATION


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Life Insurance-Ottawa.ca

Why we are different and better

We represent a wide range of companies that specialize in insuring people with different “risks”. If you’re a pilot, diabetic or scuba diver, for instance, we’ve got you covered. As a result, the companies we represent are often able to insure Ottawa residents who could not get term insurance other places.

No one else has our experience in finding your “best buy” from the insurance companies that we represent or in making the entire buying process customer friendly. That’s why we are by far the most experienced independent brokers for Mortgage Protection and Term Life Insurance in Ottawa, Ontario, Canada.

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We find the products and services that meet or exceed your needs at the lowest cost. There is no conflict of interest or company bias with our recommendations.

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In the event of your death, improper financial planning could result in your family being faced with economic hardship, debts struggles and an inadequate income. We offer strong, reliable and affordable ways to protect your family’s financial well-being after you’re gone.

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What Is The Cloud? (And Why Small Businesses Need To Care) #types #of #cloud,small #business,deployment #models,cloud #computing,cloud,information #technology,saas,american #express,cdw,small #business #owners,open,business #gold #rewards,security,technology,productivity,what #is #cloud,the #cloud,companies #that #use #cloud #computing,business #cloud #storage #security,cloud #computing #for #small #businesses,small #business #cloud #services,best #cloud #service #for #business,what #files #get #shared #in #the #cloud,what #is #the #cloud


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What Is The Cloud? (And Why Small Businesses Need To Care)

Cloud computing has come a long way to become a mainstream technology tool for business.

Earlier this year, Parallels, a software company that enables companies like GoDaddy.com and Sprint to offer cloud services to small and medium businesses (SMB), reported that the cloud services industry grew to $45 billion worldwide last year. Helping to drive that were 6 million SMBs purchasing their first cloud service last year.

And, the report projects that the market is expected to grow annually at a rate of 28 percent through 2015 to be a $95 billion industry.

The cloud does for IT what companies like UPS and Federal Express did for the shipping industry, Stephen Braat, senior director and general manager of cloud and managed solutions for CDW, said.

“When it comes to getting product to customers, their technology enables them to do it on a larger scale at a lower cost,” he said. “The cloud is the great technology equalizer.”

Technology is a huge driver of competitive advantage, and historically, technology that larger companies used was not available to smaller companies, who typically have 50 employees or less.

“The technology that Wal-Mart was using for its supply chain was one that smaller businesses couldn’t keep up with,” Dan Levin, chief operating officer of Box, said. “Now, for the first time, there is technology available that doesn’t require hardware or technical expertise and gives small companies the same technology as a big company. That gets rid of the technology advantage, and that’s a huge change.”

Rather than thinking of the cloud — computing capability delivered over a network — as a type of technology (because there are at least three dozen categories of cloud computing), Braat recommends seeing it as a way of delivering consumer technology.

Many small businesses typically don’t have an IT staff or technical expertise in-house, so folks making decisions don’t always know what questions to ask about their company’s tech infrastructure, Eric Diamond, CEO of Tribeca Cloud, a company that helps small businesses understand how to implement cloud services, said.

“One of the biggest things we see is that they don’t define the requirements of their business needs,” he said. “What are you trying to obtain? Do you want to save money, use a new application, access an enterprise-level app? Then you have to do your research.”

There are four deployment models of cloud. Public (available to the general public over the Internet), private (within a corporate firewall), community (shared between organizations) and hybrid (a combination of the three).

Braat said benefits of the cloud are that it is on demand; burstable, meaning a lot of it can be used; elastic, can use very little; and metered, so a business only pays for what it consumes. In addition, businesses that use the cloud have seen employee productivity increase, which in turn drives innovation and speeds technologies to market, he added.

Levin said the public cloud is a “game changer” for small businesses because it gives them access to enterprise-level applications. The private cloud is reserved more for larger companies that have their own IT staff, data centers and are investing large amounts of money in infrastructure, like computers, to increase the flexibility of assets.

Small businesses don’t have any of those things typically, and therefore don’t need access to all of that technology, he added.

However, for businesses that like the idea of a private cloud, Levin said there are private clouds hosted by companies like Rackspace, Amazon and Microsoft that give small businesses their own dedicated equipment on a dedicated network; so in a sense it is private, but the company wouldn’t have to keep all of that in-house. He cautioned, however, that it requires companies to write their own software and applications.

At CDW, it sees its small business clients using the cloud’s three service models: Software-as-a-service, infrastructure-as-a-service and platform-as-a-service.

Saas is predominantly used for office productivity such as email, word processing, crunching numbers, online file sharing and basic forms of communication, not to mention security purposes (i.e. downloading spamware, malware and intrusion protection software). Iaas functions like storage and computing, Braat said. It can be used to store intellectual property like documents, drawings, applications and code proprietary to a business.

“Typically, technologists think about Iaas in scenarios, such as what can I do for backup in the event of a disaster,” he said. “Small businesses are getting to the point where they no longer store documents locally in anticipation of an unforeseen event, so while performing disaster recovery, they can get to them quickly and inexpensively.”

Platform as a service, meanwhile, can be used to develop and run a website in the cloud or build applications.

Small business silver lining

CDW’s market research shows that security, performance and integration are the barriers most often cited by small businesses.

Despite the issues, customers are indicating a steep growth in implementing cloud technology of between 27 percent and 39 percent year-over-year, he added.

John Zanni, vice president of service provider marketing and alliances for Parallels, said he has seen huge opportunity and growth of small businesses consuming cloud services.

“It’s less relevant what technology is being used, but more relevant if the services are using well-known brands,” Zanni said. “That way, you are comfortable that the technology is the latest, the best brand, the most efficient and most secure software. Owners should care about what the cloud is doing to enable them to focus time on customers and make them happy.”

One step at a time

While there are lots of technologies that make up the cloud, he cautions owners not to think they have to do everything the cloud has to offer or none at all.

“Take it in over time,” he added. “Many of the services have a try-before-you-buy model which is a good way for small businesses to test the waters without taking on too much risk.”

Just like any other new product or service, Tribeca Cloud’s Diamond said small companies should do their due diligence. One of the pitfalls is relying on third-party services to tell business owners what they should be using. Another is providers trying to push a long-term contract.

“Some Saas providers will try to get businesses to use their proprietary software, but on a long-term contract,” he said. “You need to be looking out for a service that is month-to-month. Let them prove they are doing what they say they are doing.”

There are perceived trade-offs for the cloud that include control and security, but really there aren’t any depending on business, said Box’s Levin, who has worked with small businesses and the cloud for six years.

“Realistically, those companies are going to get much better security, reliability and performance with much lower costs and hassle,” he said. “I’ve see a number of small businesses lose data because it wasn’t backed up or living on an old machine slid under the desk of some manager.”

Today, companies can trade that in for the cloud and get world-class infrastructure maintained by some of the best companies on the planet, and get it for $50 a month or less, Levin added.

If a company does it right, cloud services will enable them to get enterprise-level information technology at a cost that is aligned with their own business model, Parallels’ Zanni said. Because cloud is pay-as-you-go, owners may pay between $5 and $10 per user versus several thousands of dollars for servers and specialists to run them.

Another benefit is being able to reach out to employees and customers, collaborating in ways a company could not before, such as using a webpage and online chatting function to expand a company’s reach, he added.

“We are in a deeply connected world today,” Zanni said. “What is happening in the consumer world should be happening in the business world.”

This article is part of a series in partnership with American Express OPEN. With the Enhanced Business Gold Rewards Card from American Express OPEN you can earn 2X points on U.S. purchases made directly from select computer hardware, software and cloud computing providers. Terms and limitations apply. 2X applies to purchases up to $100,000 per year, then 1 point.


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Term Life Insurance

Term life insurance offers an affordable solution to those who need a significant amount of life insurance protection on a modest budget. Term life provides temporary coverage, typically for terms ranging from 10-30 years. Unlike whole life insurance. term insurance does not build cash value over time, nor does it serve as an investment tool. However, when a term policyholder dies, his/her beneficiaries will receive the full amount of the policy’s death benefit, usually tax-free.

In our term life insurance section, you will find valuable tips on how to obtain the lowest life insurance rates for your demographic. You can also browse articles on topics like types of term plans, instant coverage, and how to purchase term coverage most efficiently. Everything you need to know about term life insurance is here, including an opportunity to request a free quote on the policy of your choice.

Term Life Insurance Quotes

We have made it easy to find term life insurance rates that are affordable. With our unique method, you can compare term life insurance quotes from leading providers. The entire process can be completed online, accommodating your own schedule. Consider us your ultimate term life insurance guide, providing all of the information you need to make an informed decision. After you determine your budget and the level of protection you desire, use our simple form to get competitive term life insurance quotes delivered quickly. Should you require some extra assistance, please feel free to contact our toll free number listed above. We are committed to answering any questions you may have about term life insurance or how to get the lowest rates. This superior customer service initiative is what separates us from others. Don’t wait any longer to protect your loved ones and most valuable assets in the event of your premature death. Get term life insurance quotes and the peace of mind that comes from knowing you are covered.

Finding The Best Rates

Owning a solid life insurance policy is critical to the financial security of your loved ones, but that does not mean a good policy must place an unnecessary drain on your personal finances. With a little searching, you’ll find that the best term life insurance rates are actually very accessible and surprisingly affordable. Term policies are the most economical option of all life insurance policies, and LifeInsuranceRates.com can help you reduce the cost of such a policy even further by connecting you with the best term life insurance quotes. Read on to discover the secrets to finding great term life insurance at highly competitive rates:

  • Don’t smoke. Smokers pay steep premiums for life insurance, and tobacco users are unlikely to be eligible for the best term life insurance rate class with most providers. For the lowest rates, give up the nicotine habit.
  • Drink in moderation. Consuming more than one to two alcoholic beverages per day may also preclude you from term life insurance best rates online. If you choose to drink, do so only moderately.
  • Watch your weight. Being even slightly overweight may prevent you from qualifying for the best term life insurance policy, so think about trying to lose a few pounds before you search for the best rate term life insurance coverage.
  • Keep your benefit reasonable. Of course the best insurance life term policy will include sufficient coverage for your beneficiaries in the event of your death, but take care not to overinsure yourself. The best rate term life insurance policies will be much more affordable if you choose a reasonable death benefit.


Chattel Mortgage #what #is #a #reversed #mortgage


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Chattel Mortgage

What is a ‘Chattel Mortgage’

Chattel mortgage is a legal term used to describe a loan arrangement in which an item of movable personal property is used as security for the loan. The movable property, or chattel. guarantees the loan in this type of mortgage. This differs from a conventional mortgage in which the loan is secured by a lien on real property.

BREAKING DOWN ‘Chattel Mortgage’

In a traditional mortgage, the lender may take possession of the property that serves as security if the loan is in default. With a chattel mortgage, the legal relationship is reversed and the lender does not hold a lien against the movable property (the chattel). The lender instead has had ownership of the chattel conditionally transferred to him until the loan has been satisfied, at which point the borrower resumes full control and ownership of the chattel.

The expressions “personal property security,” “lien on personal property” or even “movable hypothec” are all synonyms of “chattel mortgage” and are used in different jurisdictions around the world. Also, in many jurisdictions, chattel mortgages must be registered in a public registry so that third parties can be aware of them before entering into financing agreements with potential borrowers seeking to put up personal property as security for a loan.

Chattel Mortgages for Mobile Homes

Chattel mortgages are frequently used to help with the financing of a mobile home that is on leased land. Since the land does not belong to the owner of the mobile home, a traditional mortgage cannot be used. Instead, the mobile home is considered “personal movable property” and can be the subject of a chattel mortgage, and can serve as security for the loan. Even if the mobile home is moved to a different location, the financing arrangement can remain valid.

Chattel Mortgages for Businesses

Businesses frequently use chattel mortgages to purchase new equipment that can serve as security for the lender. For example, heavy machinery has a long lifespan and its purchase can be financed over a period of time by the seller, who will want to keep a security interest in the machinery in case of default. A chattel mortgage can be put in place, allowing the buyer to use the equipment, while maintaining a safe position for the seller. In the event of default by the buyer, the seller can recover the equipment and sell it to recover losses from the loan balance.

Vehicles, airplanes and boats are also good examples of assets that are often financed using chattel mortgages.


Why is Dating Korean Girls So Hard? #interracial #dating


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“Why is Dating Korean Girls So Difficult?”

Want to start dating Korean girls? Chances are you’ve hit a wall and are not sure what the heck is going on.

That’s alright. There are things that most expats don’t know at first. Once you’re aware of what’s going on behind the scenes you’ll have more peace of mind.

Know that it took me more than 5 years to figure out Korea’s women (and I still have loads to learn!) In any case benefit from what I’ve discovered and make your dating life with women from the Land of the Morning Calm easier.

Korea’s Women Aren’t Supposed To Talk To Strangers.

Did you have a hard time talking to that woman from Korea?

If dating a woman from Korea wasn’t hard enough – getting a conversation going is tough too!

Unlike most Western cultures – in Korea’s culture it’s borderline weird to talk to strangers (or “mollen saram” as you would say in Korea.)

To talk to strangers means that you have no friends or family.

So if you strike a conversation with her (even to ask for directions) she might walk away. Why?

Because she’s not supposed to talk to you AND she might have to speak English…this makes her even more uncomfortable.

But let’s say you do get to talk to girls from Korea and set up dates. They’re not showing up (even though they were so excited to meet you an hour before the date.)

“Why Didn’t She Show up For The Date?”

So you’ve watched a few K-pop videos of fashionable ladies from Korea. Your Asian friends have told you how “easy” dating those girls is. You’ve believed the surface advertising.

In reality most women from there are conservative. They have social and family obligations that hold them back from going on that date with you (even if they’d love to).

The typical woman must

• marry a local man (of higher status hopefully) before 30
• make children with this guy
• take care of the children as that’s her only real purpose

Now this is an oversimplified version of her expectations but they’re it.

From their society’s perspective – if she deviates from this then indirectly she becomes an “outcast”. Even if she doesn’t the fear of becoming one will hold her back from dating you.

So if she’s not showing up at the dates it’s because her friends and family have reminded her of her “duties” – making dating Korean girls difficult.

Notice my contemptuous tone – I’ve lost Seoul girlfriends simply because I wasn’t “local” enough and yes…it has made me somewhat bitter (unfortunately.) But I’m getting better. 😉

But let’s say you and her are going on a date in Korea. What might make her feel uncomfortable? The stares from local guys.

Local Guys Don’t Want You Dating Korean Girls

If Korea’s culture and society didn’t make it tough enough – Local guys (in general) don’t want it to happen either. They’ll shame her into not dating you.

Note that the prettier she is – the more guys will shame her. Heck one friend of mine told me that guys would straight up walk to her and tell her how ashamed she should be! He was dating a flight attendant and this happened in the Seoul subway.

They’re afraid that you’ll “take their women” (as if women belong to someone.) In reality they’re jealous and insecure. Yes – I’ll say it again: jealous and insecure.

They’re jealous because their society holds them back from dating Korean girls the way they genuinely want.

Expats on the other hand don’t have to deal with their society as much. Local guys (like local women) have obligations too and envy expats because they don’t.

They’re insecure because expats are a variable they can’t control. Not only that but in the hierarchy of things they subconsciously see ‘Western men’ as being slotted above them. Personally I think this is stupid but I didn’t make up the society or their points of view.

Note: Korean guys reading this – don’t confuse the message with the messenger. I’m just calling it as it is.

I also know that you think that most Western men look down on you (and all this adds to the resentment.) Then again I’m open to debate as to what you think is going on.

All in all – these 3 things make dating women from Korea difficult.

“Gee…Should I Even Bother Trying To Date Her if She’s From Korea?”

Definitely. Discover how to meet hot Korean women and make it happen. Koreans as individuals are great to be around. I love meeting them on a personal level.

That being said you’ll have a hard time without it being your fault because of their strict society. Accept the reality and work with it.

In fact you might be pleasantly surprised to discover that Korea is changing to becoming more open-minded.

In any case – Korean women are gorgeous and going through the process to date one is worth it.

For tips and advice on how to make that happen put your name and email in the boxes below. Get my most exclusive information sent straight to your inbox. I’m talking about the kind of stuff I wish I had known before I went out to date local girls.