Financial Planners

By Jeremy Paton

What is the Taguchi Method?

The Taguchi method is an equation developed by Genichi Taguchi designed to improve the quality and efficiency of a line of manufacture, and in turn save on profit margins.

Taguchi’s method roots itself in the “Loss function” which factors two things: one, the production of a product and two, the losses involved in the production of this product. Taguchi argues that engineers and manufacturers must meet a certain quality standard of the product they are mass-manufacturing, otherwise their profit margins will decrease. The Taguchi method allows the manufacturer to systematically test any manufacturing process and predict the loss of profits as product quality decreases.

To take a practical example. Suppose a light bulb is meant to operate at 100W and heat up by no more than 85 degrees Celsius. If the engineering is of poor quality, then you increase the chance of producing a product which lies outside of its original specifications. For example, maybe the occasional light bulb can only produce the light of a 60W bulb, meaning it ends up producing more heat. If a company continues to produce faulty products like these, the loss in quality results in a measurable loss in profits. The Taguchi method systematically calculates the relation between product quality and profit margin.

The method details that everything in the line of manufacture counts and that everything can be minutely optimized to squeeze a progressively higher profit margin ?from the costly recall of a product, to the shipping costs of bringing a product back to manufacture.

What does this mean for Webmasters and Internet Marketers?

Well, a crop of recent products have applied the Taguchi method of manufacture to online marketing, with the idea that every component of a website, for example the sales page, landing page, content, design and so on can be minutely optimized to yield a higher conversion rate. Using a technique known as accelerated split-testing, every variable of your page can be measured and tested to see which sales page – out of 1000s of combinations – gets the best results. Conversion increases are often substantial, ranging anywhere from 20% – 300%+, and many Taguchi products are completely guaranteed ensuring zero risk for the buyer.

If you could manually test 2000 landing pages, wouldn’t at least one of them result in substantially increased sales? It’s pretty much a mathematical certainty that testing on that level would produce a a sales page with a higher conversion rate. That’s exactly what the Taguchi method does, it automates the prohibitiively tedious process of testing 1000s of potential sales pages, so you can quickly and easily find one that sells significantly more of your product.

About the Author: For more info on how the Taguchi Method can dramatically increase the sales of any webpage by 20% – 300%+ with a 100% satisfaction guarantee, visit

TaguchiOnline.com

immediately. Start increasing your sales now!

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By Turk Malloy

In todays materialistic world, each one of us is busy in fulfilling our dreams, without giving a thought to what price we have to pay for it, or whether it is affordable or not. These days, taking loans is the only solution to meet daily expenses. An individual takes up loans, but forgets to cut his daily expenses to provide for repayment. And at a point of time, he may end up with piles of bills on his study table. This results in adverse credit in his credit report, which hampers whenever he apply for loans, in future. Tenants generally do not have anything to offer as collateral, which creates hurdle in their way of acquiring loans. And adverse credit adds up to their already existing worries. At this critical point of time adverse credit tenant loans can prove to be of great help.

Adverse credit tenant loans are designed especially by keeping in view the needs of the tenants. It can be issued to an individual in spite of his bad credit record. He will just have to give the proof of his present income. Adverse credit tenant loans do not necessitate any of your personal assets as security. With adverse credit tenant loans, an individual can borrow an amount ranging from 1000 to 25000. However, it is recommended to borrow an amount as per your needs and which you can repay easily.

Adverse credit tenant loans provide enough time to the borrower to repay the loan amount. The repayment tenure of the loan amount may range from 6 months to 10 years, depending on the amount you have borrowed. With timely repayment of the loan amount, tenants can manage to mend their existing adverse credit. Because of high risk involved, the rate of interest for adverse credit tenant loans is usually high. Do not worry! With proper search you can find adverse credit tenant loans at nominal rates.

Now, we will be discussing in detail how to search for adverse credit tenant loans to find competitive rates. For adverse credit tenant loans, you can either search personally for various lenders or seek through various online sources. Following the latter way can save much of your time and effort. Moreover, you will be able to make your choice from a wide range of lenders. And you can also avail discount rates because of competitive edge in the market. Adverse credit tenant loans are the perfect solution of all your anxieties.

About the Author: Turk Malloy works as financial advisor in ArgtenantLoans. He is offering loan advice for quite some time. To know more about Adverse credit tenant loans, Cheap loans for tenant, Poor credit tenant loans, Car loans for tenant visit

argtenantloans.co.uk

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Submitted by: Michael Challiner

There s a new critical illness policy on the market which attempts to go some way with regard to sorting out the perplexity regarding exactly what is, and is not, covered when it comes to claiming on the policy.

Traditional critical illness policies tend to cover up to 35 listed medical conditions. Policyholders could become seriously ill with a condition that doesn t fall into the scope of the policy and find that their illness is not covered, whilst others may be diagnosed with a listed illness with a lower grading which is relatively easily treated, for which they get a full payout.

Because of this inequality, the Financial Services Authority is uneasy with regard to insurers failing to fully understand that cover is restricted to certain specific illnesses.

This new product is marketed by the Prudential, under the name of the Flexible Protection Plan, and is unusual in that it claims to cover an amazing 140 medical conditions. However, cover is based on the severity of the condition which could possibly cause some uncertainty regarding the grading of these illnesses.

This is how the plan works:

Listed in the policy are practically all serious illnesses and the payout when one these is diagnosed will be graded according to the severity of the condition. The Prudential says that by tying payments to the degree of seriousness of the illness means that more payments can be offered to people with debilitating illnesses, who may otherwise get nothing at all. An example of this is that should you lose the sight of one eye; the Prudential policy will pay 25% of the sum assured. Normally, critical illness policies would only pay out when total blindness occurs. In all, 140 severe conditions are covered.

A spokesman for one of the specialist financial advisers welcomed the range of the policy, but voiced some concern regarding the implementation of these severity-based payments, saying that it would be open to argument as to what level of severity some illnesses would be graded as. It was felt that it would not be advisable to enter into this type of policy unless you had a very clear understanding of exactly how it would work. We quote It will be up to the consumer to decide whether a guarantee of getting a smaller payment is better than possibly getting nothing.

The cost of this new policy is approximately twice as much as conventional critical illness cover.

If your main concern regarding insurance cover should you become critically ill would be the financial outcome, it might be better to consider life insurance. Particularly, if you have a family to support, you may need something that is going to guarantee their lifestyle in the worst case scenario and with the addition of some income protection cover, which would meet outgoings in the event of you becoming unable to work due to illness. This type of cover, unlike the critical illness policy, protects you against common conditions, which result in you being unable to carry out your work.

The best course of action would be to contact a broker and check out the alternatives. The internet s a good place to start and there are some good internet discount s available, along with plenty of advice. A good broker will be able to compare the products available and come up with the right insurance product for you.

About the Author: Life Assurance Agent provides great articles based around

life assurance

.

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By Lara Sawyer

Many people think credit cards with high credit limits can not be obtained if you have bad credit but that is not necessarily true. Though your credit score is an important variable when it comes to assessing your credit limits, there are other variables that are just as important or even more important. Thus, by correctly monitoring these variables and preparing yourself for the credit card application you can boost your chances of getting a higher credit limit.

Variables That Determine Your Credit Limit

When assessing your credit limit, the credit card company takes into account many different variables. And as explained in the introduction, though the credit score is an important factor it is not the only one or even the main one. Since credit limits are a matter of amounts, it is your income that will determine your credit limit at first. Also, your history with the credit card company will be an important factor too. Most commonly, you can get higher credit limits with a company that you already have an account with.

Other variables are external and though you can not control them, you can take advantage of them if you know how they work. For instance, knowing that the credit card market is highly competitive, you can benefit from that fact by contacting credit card companies and letting them know what kind of limit the other companies have offered you. I assure you that they will do an effort to improve all previous offers. Also, if you are willing to pay a higher interest rate, by searching for credit card offers on the internet you will find several promotions offering high credit limits in exchange for slightly higher interest rates.

Lines of Credit and Available Income

All lines of credit (and credit cards are lines of credit) base their limits on the applicant’s ability to repay their debt. Thus, the client’s income is an essential variable when it comes to determining the amount of money you can borrow on a credit card line of credit. So, if you want to obtain a high limit credit card whether you can show proof of a suitable income or not is essential. For those who are employed there is no much to do but those who are self-employed can make sure that their tax presentations show the true income they obtain in order to get a higher credit limit when applying for a credit card.

Also, there are credit cards, lines of credit and different loan products that allow you to apply with stated income. This means that they will take into consideration the amount of money that you declare on your application instead of requesting paycheck copies or tax presentations. This is particularly useful for those that cannot prove what their income is or for those that have a basic wage plus commissions that vary from one month to another.

This is the most important factor on credit card applications but if you really want to boost your chances of getting a higher credit limit on your new credit cards, you need to shop around and compare what the different financial companies have to offer. Request different quotes and compare the rates and the credit limits. We always suggest finding a balance. High interest rate cards offer higher credit limits but you should try to get a moderate rate with the highest credit limit possible.

About the Author: Lara Sawyer is a professional loan advisor who helps people to secure High Limit Credit Cards and Lines of Credit. At

fastguaranteedloans.com/

you’ll find all of her tips on how to get approved without hassles.

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By Sean A. Kelly

If you are looking to reduce your monthly mortgage payments, you can consider refinancing your home loan to a lower interest rate or from an adjustable-rate into a fixed rate loan by learning more about Bank of America refinance programs. Bank of America offers good refinancing programs to suit your needs. Furthermore, the bank also has good rates and excellent customer service. The bank takes good care of its returning clients so if you are searching for a mortgage or a refinancing scheme, you may do well to sign up with this bank.

So, how do you know if you qualify for refinancing? Well, you can refinance your mortgage if you have already built up at least 10% of the equity of your home. After all, refinancing means you are cashing out on the equity of your home. That’s why you need to have at least 10% of equity before you can refinance your mortgage. Also, most banks will look at your home equity before considering your application for refinancing. This is because the lender wants to use your home equity as collateral for the loan. You will also need to be current on your home loan payments and not defaulting in the payments.

Next, you can learn what is Bank of America Refinance program and how many programs the bank offers. So, even if you do not have enough equity in your home and have been current on your mortgage payments for at least 12 months, you may still be eligible for refinancing under the bank’s Home Affordable Refinance program. This program is part of the federal government’s Making Home Affordable program and it was developed to help those who can’t qualify for a traditional refinance. The program will be able to help reduce the monthly mortgage payments for borrowers. However, you are only eligible under this program if your loan is owned by Fannie Mae (Federal National Mortgage Association) or Freddie Mac (Federal Home Loan Mortgage Corporation). Other than this, your first mortgage has to be 105% or less of your home value, your home is a single-family home unit and you have not been more than 30 days late on your monthly mortgage payments for at least 12 months.

To apply for the Home Affordable Refinance program, you can call the bank and inform it of your current financial information so that it could check on your eligibility for it. The bank may also appraise your home, pull up a credit report to verify your financial situation and then it will notify you of your eligibility within 75 days of your initial call. It will take the bank another 75 days to evaluate your application and once it makes a decision, it will send you a letter. If you have been approved, you will get a call from the bank to schedule the closing of the loan. The closing process is similar to what you experience when you apply for the first mortgage when you purchased your home. You will need to sign the closing documents and you will also be required to pay the closing costs, unless it can be financed into the loan amount.

There are also other Bank of America lender refinance programs such as interest-only refinance loans, jumbo loans, combo loans and other specialized loan programs to suit your specific financial needs and situation. With so many specialized programs including fixed-rate and adjustable rate refinancing schemes available at the bank, it is really worth your while to check it out in your search for a mortgage refinance program.

About the Author:

bank of America refinancewhat is bank of america refinanceBank of america lender refinance

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