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What are some of the main differences between products and services? And when are these relevant?

Tangibility versus Intangibility

Products are tangible. You can buy pork as a tangible product. You buy it, you ship it and sell it. In the same way as you buy stamps, cigarettes and cars. Financial service companies however, make it possible to exchange pork bellies Futures, on the Chicago Mercantile Exchange (CME). A future is (not the most simple example of) a service with which you can hedge your risk. In this last case, most of the people trading on the CME will never see or smell the pork bellies.

The ownership between products and services is different. A stock could be called a financial product that you own. You can place a stock order which might result in a transaction later on. You bank services a depot fee for saving you a lot of work. You cannot own a service.

Where the product is much more standardized, the service is tailor-made. Companies differentiate in offering products and services, but the variations between similar products of different producers are less prominent than the variations between services.

You can count products in the same way as you can count your money (or have your service you this information). A service is not countable, but is leveled; better than the best service is not possible. There is a limit in what a service can offer.

A product is produced by a manufacturing process. A service is offered by the utility element of companies; you subscribe to a service in the same way that you subscribe to your gas and electricity supplier.

And this brings us to the essential of these differences; changing from one (product approach) to the other (service offering) is very complex, because of the last mentioned differences. Not only the process is different but the style change you need to support this change Good Luck.

2006 Hans Bool

Hans Bool is the founder of Astor White a traditional management consulting company that offers online management advice. Astor Online solves issues in hours what normally would take days. You can apply for a free demo account

The US food and drug administration (FDA) has classified lasers from class I to class IV. They are classed according to the hazard posed by the amount and type of light they emit, with Class I lasers being non-hazardous and Class IV lasers being the most hazardous. Hand held lasers refer to laser pointers. They belong to the IIIa category and are used for pointing out objects and locations on a map or video projection screens.

Hand held lasers are also used for surveying, leveling, shaping, and delineating the form, degree, or position of a point, body, or area by taking angular measurement. They can also be used for positioning parts in proper relation to one another and defining a plane, level, elevation, or straight line. Hand held lasers could also be used for different purposes such as demonstration, entertainment, advertising display, or artistic composition.

Hand held lasers belonging to the IIIa category. They are manufactured according to FDA regulations, which limit their output power to five mille-watts in the visible wavelength ranging from 400 to 710 nanometers. Hand held lasers could cause short-term visual effects such as flash blinding that could distract or startle the person exposed. However, the risk of injury is limited as it is very difficult to keep the beam pointed directly in someone's eyes for longer periods. People may also close their eyes and turn their heads for protecting themselves from beams emitted by hand held lasers.

Despite the low risk posed by hand held lasers, users should be careful while using these devices as long term exposure to the iris may cause eye problems.

Hand held lasers are most commonly used for making presentations in schools, colleges, and offices. The US armed forces also use these devices for pointing out enemy locations and the position of enemy weapon depots during armed conflicts.

Lasers provides detailed information on Laser, Laser Printers, Laser Surgery, Laser Engraving and more. Lasers is affiliated with Foods That Cause Gout.

For those of you who are like me and fish with live worms and like to move from spot to spot while fishing, such as along a river or stream, then this article should interest you. More than 20 years ago my fishing mentor came up with the most ingenious solutions for carrying live worms while fishing, that I've ever seen. He didn't have a name for it at the time, but that of course didn't make it any less effective. Carrying live worms while fishing, if you move from spot to spot, can be quite a dilemma. You always have to try to remember exactly where you left them and then open the container, remove a worm, and bait your hooks. This can become a real time waster and just all around pain in the butt.

So JRW, my fishing mentor and the best trout angler that I've ever seen, came up with the idea of having a little sack that would hang off of your fishing vest and carry the live worms for you. In other words, worms would be purchased as normal, then simply taken from the container they were purchased in and placed into the sack for the duration of a fishing trip. This seemed strange at first, but I tried it and fell in love with the concept. It was the most ingenious apparatus that I'd ever seen. The live worms that were being used as bait were always hanging right on my fishing vest, literally "at my fingertips". It was great.

From this original concept, The Bait Bag was born. The bait bag has become much better to look at and much more functional than it was in the beginning, but the point is that it's still the best way that I've ever encountered for carrying live worms while fishing. As a matter of fact I've been using some manifestation of a bait bag for at least 20 years and I wouldn't even consider fishing without it. My bait bag has become as much a part of my fishing repertoire as any single piece of fishing gear is.

A bait bag will make any angler so much more efficient that it's difficult to put into words. Just think about it. All that time that used to be wasted with you fumbling around with your live worms can now be used with your line in the water, where the fish are. If a fish steals your worm, you simply use your fingers to grab another worm from your bait bag, re-bait, and you're good to go. How much quicker is this than looking for your worm container, opening it, grabbing a worm, baiting up, closing the worm container, and putting the worm container back where you got it? The two options don't even compare!

The reality is that I personally haven't carried a worm container fishing with me for 20 years! I leave the containers in my vehicle. When I get to my fishing spot, I open the container that I purchased the worms in, transfer the worms to my bait bag (just the worms, not the dirt) and leave the container in my vehicle. Then I'm on my way to fish. I dont even have the option of forgetting my worm container and thus creating another piece of litter along my favorite river. If you fish with live worms, and are mobile while fishing like I am, check out the convenience of a bait bag. You'll be glad you did, and wonder how you ever fished with live worms without one.

Trevor Kugler is co-founder of JRWfishing.com and an avid angler. He has more than 20 years experience fishing for all types of fish, and 15 years of business and internet experience. He currently raises his three year old daughter in the heart of trout fishing country..Montana!

The Original Bait Bag: http://www.jrwfishing.com/bait_pouch.asp

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When mortgages were first introduced, there was very little choice for the home-buyer. Mortgage borrowers had a regular, fixed salary and worked to much more standard hours than today. Nowadays, more and more people work to 'flexible' hours or work from home; career breaks too are common and the average salary now consists of factors other than just hours worked, such as profit-related pay, maternity and paternity payments, overtime and performance bonuses. As a result, a person's salary can fluctuate greatly from month-to-month.

Because of the hectic and ever-changing nature of today's working environment, many home-owners demand a greater flexibility from their mortgage products, and lenders have been quick to introduce several new products into the mortgage market to accommodate these demands. One of the most popular mortgage products to enter the market in recent years is the flexible lifestyle mortgage, which offers a host of benefits to consumers looking to purchase a property of their own.

The flexible lifestyle mortgage was introduced into the UK from Australia in the mid-1990s, and they are still sometimes referred to as 'Aussie' mortgages. This type of mortgage allows you to make extra repayments towards your mortgage when you have extra money available, but also allows you to reduce or even skip payments when necessary. In order for a mortgage to be considered as 'flexible', it should have the option to settle early without penalty charges, and to take payment holidays or make overpayments without incurring extra charges. Flexible mortgages should also offer a drawdown facility which allows you to effectively re-mortgage and release cash without the need for additional paperwork.

Flexible mortgages should also offer interest on a daily or monthly basis, as prior to the arrival of flexible mortgages in the UK, lenders would charge interest on an annual basis meaning that borrowers who made over-payments on their mortgages were not receiving any benefits straight away, as it could take up to a year before the capital was reduced by the over-payment. On a mortgage where interest is calculated on a daily basis, any overpayment reduces the mortgage balance immediately, so the borrower is charged less interest from the next day. This means that a borrower who pays their mortgage on a weekly basis and can make an over-payment every so often can shorten the length of the term of the mortgage and could save thousands of pounds!

If your flexible mortgage has a drawdown facility, then another advantage is ability to use it as a form of savings account. This is a much more cost-effective way of saving for home improvements or arranging a personal loan, as while your overpayments are in the mortgage account, the interest you pay is calculated on a smaller capital amount. A drawdown facility allows you to take any overpayments back, but you have still saved yourself from paying a substantial amount of interest during the time your money was in the mortgage.

The downside to flexible mortgages though are that they normally don't come with the most competitive interest rates, so you need to look at the long-term picture and compare them with other types of mortgage to find out if a flexible mortgage would offer the best deal. Furthermore, in order to take payment holidays or make an under-payment in a flexible mortgage, you would need to compensate for any shortfall through over-payments in order to stay within the original payment schedule.

A flexible mortgage could be the answer to financing a home purchase in today's hectic lifestyle, but if you are looking to purchase a property in the future, make sure you explore all the options available to you. There are many comparison websites, such as Moneynet, which can check the mortgage market for you and help you to find the most suitable product and the best deal available for your circumstances.

Andrew Regan is an online, freelance journalist.

Smokers like the idea of smoking cessation pills. Studies in America have shown that 80% of smokers think they should quit. Many of them think that smoking cessation pills have the answers they are looking for as they offer that potential miracle cure that will take the pain, anguish and torment of smoking cessation away from smokers. But is this really the case?

There are a number of treatments available to aid smoking cessation in the form of smoking cessation pills. There are also varying degrees of success associated with each type. The two most common types of smoking cessation pill that actually do have an effect are explained here.

The first smoking cessation pill I would like to consider is probably the best known; zyban. It was developed in the 1970s as a treatment for depression when it was marketed as wellbutrin. When researchers were conducting trials of the drug, they found that the test patients were reporting quitting smoking at a significant rate. This lead to further studies where the sole focus of the study was to determine the impact of wellbutrin on smokers.

Many studies have been completed since and it is commonly agreed now that 16% of smokers, who try to quit smoking using wellbutrin as their smoking cessation pill, will succeed after one year. I.e. they will quit at some point be smoke free one year after the course of treatment has been completed.

It is not known how zyban works specifically, but it is clear that it interferes with the normal brain chemistry associated with nicotine addiction.

The side effects most commonly reported are similar to the side effects suffered by any person quitting smoking. These side effects may be from the drug zyban itself or they may be from nicotine withdrawal. Significantly, any alcohol, heart or blood pressure problems will need careful consideration by your doctor if you wish to use zyban.

The most significant side effect associated with zyban is the 1 in 1000 siezure rate. This can be life threatening so is a serious consideration for any would be quitter. You dont want to kill yourself trying to quit smoking after all!

The second smoking cessation pill I would like to consider is the new kid on the block. It is called varenicline and marketed as chantix in the US and as champix in the UK.

Pfizer, the manufacturer has claimed a 44% success rate in smoking cessation studies but there has been much criticism of their claims. Significantly, when Pfizer have sponsored studies into the effectiveness of chantix as a smoking cessation pill, they have been very stringent on which smokers are allowed into the group. It is thought that hardcore smokers or people who have serially been unable to quit smoking have been excluded in order to bump up success rates.

Independent reviews of all chantix studies have shown the truer success rate of chantix as a smoking cessation pill as being about 22%. This is not a huge success rate when compared to the claims initially made by Pfizer!

The most commonly cited side effects associated with chantix are those of nausea, sleep problems and weird dreams or nightmares. The other significant side effects are shared side effects found from nicotine withdrawal.

Due to the high rates of nausea, stomach cramps, feeling bloated, constipation or diarrhoea associated with chantix, up to 30% of patients have to abandon the treatment. Not mush fun if you have shelled out $300 for your smoking cessation pills only to find you cannot take the drug after all!

My advice is that smokers should try any non-pharmaceutical methods to quit smoking before they turn to smoking cessation pills such as chantix or zyban. Not only is there hypnosis that is very commonly known and probably as effective as chantix, there is also cognitive behavioural therapy that has very high success rates thought to be well over 50%.

As ever, every time you fail to quit smoking, you are one step closer to success. Never stop trying to quit.

Why do people try to quit smoking before they know how to quit smoking? Pete Howells is the author of the EasyQuit System available only online at http://easyquitsystem.com. He also blogs, post articles and videos at http://easyquitsystem.com/blog and at http://quit-smoking-motivator.blogspot.com

What works today and what doesnt? Im going to be honest with youI cant stand traditional MLM tactics to build a network marketing business. I think its comparable to life before the invention of the wheel.

In this casethe INTERNET is the wheel that just revolutionized how network marketing will be done for the rest of time.

Imagine this for a momentYou have the ability to generate endless new and interested prospects to build relationships with for the rest of time. Imagine if you could command at will the exact people interested in what you have to offer to COME TO YOU.

That is what the invention of the internet has created, and what SMART business owners have known through out time. I am constantly baffled that people get into network marketingyet have no idea how to MARKET.

Marketing is the essence of almost every successful business on the planet. So how is it most people think they will be able to build a business by only marketing to this tiny group of untargeted people called your warm market.

I think its just a bit crazy myself. But here is a tip to truly be successful in our modern times. Learn how to generate endless leads! Learn how to become a master marketer who can command prospects to come to you. Once you do thatthe whole ball game just switches right up.

Since I started mastering Internet Marketing my business has grown 10x itself in just a few short months. Its not that internet marketing doesnt take workits just that the work is WELL worth it.

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