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EnGenius EDS5255
2-Megapixel Indoor/Outdoor Wireless Day/Night Bullet IP Surveillance Camera
Sorry, this product is no longer available, please contact us for a replacement.
The EDS5255 Wireless IP Camera performs rain or shine, day or night with its weatherproof casing and powerful IR LEDs, which provide clear image quality in low light or total darkness up to 32 feet. Run power and data over a single cable for deployment flexibility where outlets are scarce with 802.af PoE support.
- 802.11n Wireless Speeds to 300 Mbps
- 120-Degree Wide-Angle Lens Captures Images Over Broad Areas
- IP66-Rated Waterproof & Dustproof Casing
- H.264 Video Format Provides 1920x1080 HD Performance Using Less Bandwidth
Photon Series Professional-Grade IP Surveillance Cameras
EnGenius Photon Series, of professional-grade IP Surveillance Cameras, offer superior, high definition image performance in deployments that need 24/7 monitoring. Retail businesses, corporate or school campuses, multi-tenant housing and luxury estates, are all more secure with a Photon Series IP Camera situated at strategic access points.
With built-in infrared (IR) lighting and motion detection, properties can be monitored day or night in low light or complete darkness. Remotely view cameras and receive email alerts and 10-second video clips directly to an iPhone, iPad or Android smartphone or tablet for global 24/7 surveillance with EnGenius' EnViewer mobile App. Extend your camera network to maximize coverage virtually anywhere. Choose the Photon IP Camera or Wireless IP Surveillance System that best meets your surveillance needs, including indoors or outdoors with wired, and near or long-range wireless network access.
Features & Benefits:
- Wide angle CMOS lens captures high-res images over broader areas
- Mechanical IR cut filters & built-in IR illuminators for night viewing to 85-ft./25m
- High-speed wired & 802.11n wireless cameras for flexible deployments
- Power-over-Ethernet (802.11af) extends power to unwired areas
- H.264 Video provides up to 1920 x 1080 HD performance with less bandwidth
- Triple Codecs: H.264/MPEG-4 & MJPEG to 30 fps
- Dual-stream supports varying frame-rates & resolutions
- Includes 16-Channel VM Software with live monitoring
- Receive alarm alerts directly to your mobile device for rapid response
- Remotely view cameras from your mobile device with free EnViewer mobile App
- ONVIF-compliant for easy integration with 3rd party products
- Point-to-point & point-to-multipoint surveillance over large distances
- IP66-rated waterproof
Photon Series IP Surveillance Cameras are ideal for deployment in:
- Luxury Homes & Estates
- Small Businesses
- Small-to-Medium Corporate Campuses
- Transportation Hubs – Airports, Bus Depots, & Train Stations
- Schools, Colleges & Universities
- Stadiums & Arenas
- Multi-Tenant Dwellings
- Hotels & Resorts
- Warehouse Operations
- Military Bases
- Medical Centers
- Parks & Golf Courses
- Parking Structures
- Shopping Malls
Network Integration
Security concerns top the agenda of many organizations today leading to an increased presence of surveillance cameras in homes and businesses alike. As surveillance systems become an integral part of the network, the need to quickly integrate and monitor them along with existing networks becomes increasingly important. EnGenius Photon Series IP Cameras seamlessly integrates quickly and easily with EnGenius' complete line of wired and wireless networking solutions.IP Cameras - Superior Surveillance Technology
Today's surveillance cameras are far superior to their older analog CCTV cousins, providing the highest quality digital images along with the highest frame rates for clearer faces, sharper details and smoother video. Also unlike their analog counterparts, IP cameras integrate easily into existing wired or wireless Ethernet networks and offer:
- Simplified Installation –Plug-and-play configuration is standard for IP Cameras. Provide power, network connectivity and stream video over a single CAT5/6 cable or go wireless and simply plug the camera into an electrical outlet vs. the configuration time and multiple cables needed for a single analog camera installation.
- Elimination of Unnecessary Hardware – Connect to existing network switches and store video footage directly to network connected computers or storage servers (NAS), eliminating the need for analog to digital conversion hardware such as video encoders and Digital Video Recorders (DVR).
- Affordable Scalability – Add cameras as needed, with no limits associated to your DVR's camera connection capacity. Greater Functionality – Easily view IP camera feeds remotely via the Internet, receive automated alerts via email and integrate with feature-rich monitoring software for Intelligent Surveillance; features only previously available with expensive analog video encoder/DVR systems.
- Open Platform – Utilizing a standards-based architecture ensures IP cameras and Video Management Software is interoperable with a wider range of network devices, including Windows-based PCs, as compared to proprietary Network Video Recorders (NVRs) and DVRs.
- Improved Image Quality – On-camera digital processors optimize video, transmitting consistent, high-quality digital images without degradation, compared to lower quality analog CCTV video, which must be converted to digital by the
Wireless Cameras offer Affordability, Flexibility & Scalability in Deployment Scenarios
Choose an EnGenius Photon Series Wireless Camera for even greater flexibility in the most demanding deployments. Eliminate the need for expensive trenching or concrete cutting for CCTV cable-runs in outdoor perimeter camera placements, and cabling through walls, attics or floors. Wireless Cameras also offer a greater level of scalability and are easily added to an existing system with minimal planning.
Photon Wireless IP Cameras support fast wireless speeds up to 150 Mbps, providing high-speed performance, maximizing HD video transmissions.
Wireless IP Surveillance System
Not all surveillance challenges fit into a neat little box. Campuses, civic centers, shopping complexes, plus indoor and outdoor arenas can be crowded with buildings and other obstructions, and may be saturated with a spectrum of RF signals. EnGenius Wireless IP Surveillance System is designed to provide long-range, point-to-point and point-to-multipoint surveillance coverage for expansive venues, transmitting streaming video at stable, robust wireless speeds over great distances – up to 5 miles point-to-point in challenging environments.
Available in both Wireless N300 speeds, the 2.4 GHz IP Surveillance System (EDS8012 or EDS8022) or the 5 GHz IP Surveillance System (EDS8015 or EDS8025), is designed to withstand extreme environmental conditions and features certified IP-rated housing.
Highly Defined Resolution
All Photon Series IP Surveillance Cameras support the latest Progressive Scan CMOS sensor technology, providing crystal clear details in moving objects like car license plates or facial features making these important details less ambiguous. With High Definition quality video running 1080p at 30 frames per second, Photon IP Cameras provide superior quality and smooth video over analog CCTV with smaller file sizes, which is ideal for viewing video on mobile devices, sending via email and maximizing available storage space.
Optimize Images in Varied Lighting
With Wide Dynamic Range technology, select Photon Series IP Cameras can be fine-tuned to ensure an optimal level of configuration for customized lighting environments, providing clear images, even in highly backlit areas indoors and out.
Alarm Alerts
Intergrate IP camera with 3rd party digital alarms, sensors or other electronic devices that activate when motion detectors are triggered, serving as an added deterrent to prolonged suspicious activity.
Excellent Performance in Harsh Environments
Need to deploy surveillance cameras in harsh environments? Select Photon IP Cameras include IP66-rated dust and waterproof housing designed to withstand harsh environmental conditions. With an included cable management bracket, each device is protected and accompanying cables are hidden from damage while offering a clean aesthetic.
Place Almost Anywhere with PoE Support
Extend your camera network to maximize coverage virtually anywhere. Select the Photon IP Camera that best meets your surveillance needs including indoor, outdoor, wired or wireless network access. All cameras are 802.3af-compliant and can be powered via Power-over-Ethernet (PoE), eliminating the need for a nearby electrical outlet.
Push Notification
Remotely view and monitor up to four (4) cameras simultaneously from anywhere and instantly record video with EnGenius' EnViewer mobile App. View, record and receive triggered event alerts directly to your smartphone or tablet for instant notifications of events-in-progress with free downloadable App for Android and iOS.
24/7 Vigilance
Monitor your business during or after hours, even in low light or in complete darkness up to 85-feet, with EnGenius Day/Night IP Surveillance Cameras. Receive Motion and Audio Detection alerts (on select models) and recordings directly to your smartphone or iPad ensuring a quick response to suspicious activity.
Zone Coverage
Set precise zone coverage within designated areas to record activity or detect motion near entryways or around registers and loading docks within each camera's field of view. Customize sensitivity in each zone for greater control and even set Motion and Audio Detection Alerts to trigger a connected audible alarm (on select models).
16-Channel Video Management Software (VMS)
Unlike proprietary NVRs and DVRs that are expensive to purchase, maintain and upgrade, EnGenius' Video Management Software comes free with all Photon Series IP Surveillance Cameras, further enhancing the line's affordability and lower total cost of ownership.
- Optional split-screen camera view
- Monitor up to 16 cameras simultaneously
- View live monitoring, record video and playback options
- Quick search of archived video via time bar
Enterprise Viewing Capacity
EnGenius VMS Software allows personnel to easily monitor the entire camera network, whether in a multi-building environment or at an entirely separate location. View feeds from up to 16 cameras concurrently, in real-time, and plan for future expansion to 32 or 64-channel capacities with future software upgrades, available via www.engeniustech.com. Conduct basic configuration and initiate firmware upgrades right from your desktop and import your office building's floor plan to create a camera location map through eMap. Schedule recordings based on time or date, such as after hours or when shipments are due to arrive. Setup and configuration is streamlined with VMS' Discovery Tool, which quickly locates EnGenius IP Cameras.
EnGenius EDS5255 Specifications | |
Camera | |
Image Sensor | 1/2.7 " 2-Megapixel Progressive Scan CMOS Image Sensor |
Lens | Fixed Board Lens Fixed-Focus, f=2.8mm / F1.8 |
F.O.V. | 120° (diagonal) |
Day/Night | Removable IR-Cut Filter |
Minimum Illumination | Color (IR-Off): 0.01 Lux @ F1.8 B/W (IR-On): 0 Lux @ F1.8 |
IR Illuminator | 12 pcs IR Illuminator LEDs, effective up to 82 feet/25 meters |
Shutter Time | 1/2.5 sec. to 1/10,000 sec. |
Physical Interface | |
(All-in-One Cable) | 1 x RJ45 10/100 Base-T (802.3af PoE) 1 x Reset Button 1 x DC Jack (12V/1A) |
Power Input | Power Input: 12V/1A or PoE 48V |
Video | |
Compression | H.264/MJPEG |
Stream | 2x Video Streams |
Frame Rates | Up to 30 FPS at 1920 x 1080P |
Image Settings | WDR (Wide Dynamic Range) Technology Adjustable Image Size, Quality & Bit Rate |
Configurable | Brightness Sharpness Contrast Saturation White Balance Exposure AGC/AWB/AES Flip & Mirror Time Stamp & Text Caption Overlay Auto/Manual Day & Night Mode 2D Noise Reduction Low Light Compensation (LLC) |
Networking | |
Wireless Standard | IEEE 802.11b/g/n |
Network | 10/100 Mbps Ethernet, RJ-45 Power-over-Ethernet (PoE 802.3af class 2) |
EnGenius DDNS | Auto NAT Pass Through/ UPnP Traversal |
Protocol | IPv4, TCP, UDP, DHCP, NTP, DNS, DDNS, SMTP, FTP, HTTP, UPnP, NFS/Samba client, QoS/DSCP, RTP, RTSP, 3GPP, PPPoE |
SMB | ONVIF Compatible (Profile S) |
RF Connector | Reverse SMA Plug |
Security | Admin/User account level |
Password Protection | WEP/WPA/WPA2-PSK |
Alarm & Event/Recording | |
Event Trigger | Motion/Tamper |
Event Notification | Email/Push Notifications |
Event Actions | File Upload to NFS/SAMBA/FTP/SMT, EnGenius Cloud & Play Audio Video Playback (PC/iPhone/Android) EnGenius Simple Smart Recording (Only for EnGenius Cloud Series Routers/Gateways) |
Video Buffer | 5-Seconds Pre-alarm & Post-alarm |
Schedule Recording | Yes |
Mobile Apps Supported | iPhone/iPad/Android devices |
Viewing System Requirements | |
Operating System | Microsoft Windows XP/2000/2003/Vista/2007/2008/7 |
Web Browser | IE, Safari, Chrome, Firefox, Opera |
View Clients | Live viewing for up to 5 clients |
Environmental & Physical | |
Temperature Range | Operating: -4° F to 122° F (-20°C to 50° C) Storage: -40º F to 140º F (-40º to 60º C) |
Humidity (non-condensing) | Operating: 80% or less |
Waterproof | IP66-Rated Enclosure |
Device Dimensions & Weights | |
Device with Bracket | Weight: .69 lbs. (312 g) Length: 8.2" (208 mm) Width: 2.5" (63 mm) Height: 2.9" (73 mm) |
Package Contents | EDS5255 2MP Wi-Fi Bullet IP Camera Mounting Kit Detachable Antenna RJ-45 Ethernet Cable (10/100, 802.3af PoE) Power Adapter (12V/1A) Quick Installation Guide QR Code Label Power Adapter |
Certifications | FCC CE |
Warranty | 1 Year |
Photon Series IP Surveillance Cameras Comparison:
Models | EDS5250 | EDS5110 | EDS5255 | EDS5115 | EDS6255 | EDS6115 |
Camera Type | Bullet | Bullet | Bullet | Bullet | Mini-Dome | Mini-Dome |
Progressive Scan CMOS Image Sensor | 1 /2.7" 2-Megapixe | 1/4" 1-Megapixel | 1 /2.7" 2-Megapixe | 1/4" 1-Megapixel | 1 /2.7" 2-Megapixe | 1/4" 1-Megapixel |
LAN Interface | Wired | Wired | Wired/Wireless 802.11b/g/n | Wired/Wireless 802.11b/g/n | Wired/Wireless 802.11b/g/n | Wired/Wireless 802.11b/g/n |
Ethernet Ports | 1 x 10/100Mbps | 1 x 10/100Mbps | 1 x 10/100Mbps | 1 x 10/100Mbps | 1 x 10/100Mbps | 1 x 10/100Mbps |
Weatherproof | Yes (indoors/outdoors) | Yes (indoors/outdoors) | Yes (indoors/outdoors) | Yes (indoors/outdoors) | No (indoors only) | No (indoors only) |
Night Vision | To 85-ft. | To 32-ft. | To 85-ft. | To 32-ft. | To 49-ft. | To 32-ft. |
IR LEDs | 12-pieces | 12-pieces | 12-pieces | 12-pieces | 12-pieces | 12-pieces |
HD Resolution | 1920 x 1080P | 1020 x 720P | 1920 x 1080P | 1020 x 720P | 1920 x 1080P | 1020 x 720P |
Frame Rate | 30 fps | 30 fps | 30 fps | 30 fps | 30 fps | 30 fps |
Motion Detection | ||||||
Field of View (diagonal) | 120-degrees | 62-degrees | 120-degrees | 62-degrees | 120-degrees | 86.8-degrees |
Wide Dynamic Range Technology | - | - | ||||
802.3af-PoE Compliant | ||||||
On-board MicroSD | - | - | - | - | ||
Built-in Microphone | - | - | - | - | ||
Remote Access via EnViewer Mobile App | ||||||
Email Notifications | ||||||
Included VM Software |
Download the EnGenius Photon Series Surveillance Cameras Datasheet (PDF).


text: 27 and 28 April 2018 - 11am and 7pm (check programme) Six Contradictions and the End of the Present. Franco Berardi Bifo Subversion or Barbarism. The End of the World as We Know it Franco Berardi Bifo is a philosopher, writer and media theorist.For this session of the programme Six Contradictions and the End of the Present Bifo will conduct three activities in the Museo: a public lecture, a research workshop and the presentation of the film Comunismo future (2017). In the lecture, the philosopher explores new forms of power and domination; the workshop will be set up as a work session with writings chosen specifically by the author and, as a coda to the session, Bifo will present, with Andrea Gropplero di Troppenburg, the film Comunismo futuro. Film and Video Seminars and Lectures Workshop

subset: commoncrawl


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A translucent glass bridge connects this 1,820 square foot Corten steel and glass pavilion to a mid-century modern house, Ocean Beach Residence has been designed by San Francisco Bay Area architect Ernest Born of studio Aidlin Darling Design. Gently placed among existing trees, the addition, though physically simple, is phenomenally complex. A private cypress grove in the rear and the Pacific Ocean in front are experientially connected through a strategic layering of space, view, reflection, acoustics, and nature.
Photos: Matthew Millman & Robert Schlatter


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Tag Archives: print
The Benefits of Direct Mail
Six Reasons Why Direct Mail Works So Well
If your business thrives on creating relationships, direct mail may be the best choice to lead your contact strategy. Here are six reasons why direct mail is chosen for certain types of promotions, as well as continued customer service initiatives.
It's targeted
Mass advertising (TV, print, radio, etc.) can be expensive and aren't typically a viable option for small businesses. But direct mail can focus in on a select list of very targeted individuals who are more likely to respond to your relevant offer. In terms of revenue dollars generated for every dollar spent, no form of advertising is as efficient as direct marketing.
It's personal
With direct mail you can address your customers by name, speak to them based on demographic niches, and appeal to their specific interests. You can also follow up with an email or phone call to move the relationship forward. Plus when customers feel that you understand their needs, they're more likely to respond. In fact 55 percent of consumers say they actually look forward to viewing the direct mail offers they receive.
It's flexible
From letters to large-format postcards to brochures, there are a variety of formats you can use to create and customize your direct mail campaign. Unlike most other forms of media, with direct mail you can simply change up the format if you find that your offer requires more space to convey the message in an attractive, uncluttered design.
It's tangible
Direct mail allows you to physically deliver your message and encourage interaction with it. Along with an irresistible offer, you can make a lasting impression by incorporating elements that actively involve the customer. Coupons and business cards are examples of objects you can deliver to create an ongoing interaction with your brand. If your offer is really valuable, people will hold on to your coupon or online coupon code even if they aren't able to buy at that particular moment.
It's measurable
Direct mail is one of the few media channels that gives you the ability to accurately track the success of your campaign. It's as simple as counting the inquiries you received or counting the number of coupons redeemed. By tracking and analyzing your results, you'll see what's working and can then build upon it for future mailings. Knowing that you know that a promotion is working is what many consider to be the golden key of all marketing and advertising initiatives. Just one profitable direct mail piece can form the bedrock of your company's growth for years or decades to come. As long as you have fresh, targeted prospects to mail to, you can continue growing your company at a comfortable pace.
It's easy and cost-effective
You don't have to be a direct mail expert with a big budget to advertise through the mail. You don't even need to do much more than hire a designer and describe what you want to achieve. Most direct mail designers will have all the connections needed to get the job done.
Source: InfoUSA
Posted in Print Marketing
Tagged commercial printing, direct mail, graphic design, mail, print, print marketing, printing
The ABCs of Business Cards
5 tips for creating a professional business card that leaves a lasting impression.
Read more: https://www.entrepreneur.com/article/159468#ixzz2hL6lSkWv
Many people overlook the value of having a professional business card that accurately reflects your brand image, yet this small piece of paper can be an important part of your collateral package. It's often the first item prospects receive from you, so it's your first opportunity to make a strong, positive impression on them. The preponderance of do-it-yourself online business-card printing companies is an interesting and somewhat troubling phenomenon. With limited exceptions, it's fairly easy to spot an inexpensively produced card. When you choose to "go cheap" on your business cards, what message does that send to those with whom you wish to do business? Are you really doing yourself any favors by missing out on the opportunity to start building a positive brand image right from the start?
Cheaper isn't always better when it comes to first impressions. Give clients a great first impression with these tips and tactics:
Design Tips
Tip #1: Enlist the help of a professional designer unless you have the requisite skills to design your business card yourself.
Ideally, this person's also tasked with designing your other collateral (letterhead, brochures, website, etc.), so it'll be intuitive to carry your brand image through from those pieces to your card.
Tip #2: Keep it simple.
Business cards are typically just 3.5″ x 2″ (except when they're not–see below), so you don't have too much space with which to work. Don't make your logo too large, don't make the type too small to be comfortably read, and don't be afraid to use white space.
Tip #3: Keep to the standard business card size–unless you're the adventurous type.
There are things you can do to a 3.5″ x 2″ card to differentiate yourself (e.g., rounded corners), but going with an unusual shape can be tricky. A round card, for instance, is quite memorable, but it certainly won't fit in standard business-card holder devices. You must be willing to trade convenience for memorability if you choose an unconventional shape or size.
Content Tips
Tip #4:Be deliberate in choosing the information to appear on your card.
What's most important? Your name certainly needs to be there, along with the name of your company (via your logo), your phone number and your e-mail address. Space permitting, you can add your physical address, fax number, cell-phone number and company website address, if desired. Don't clutter things up too much–as with the design, simpler and cleaner is always better.
Tip #5: Keep the back blank, or use it for non-critical information.
How often will people see the back of your business card? Traditional card storage modes assume that side is blank. If you do wish to put copy on it, be sure the information is of a supplemental nature: e.g., your company's mission or tagline. While business cards should promote your brand identity, they shouldn't be confused with advertising.
The Bottom Line
Think about how you use other people's business cards when you make decisions regarding your own. Do you get frustrated when you can't quickly find the information you need? Or the type is too small to read? Or printed in a font that's hard to decipher? Do cheaply produced cards make you think less of the person or company represented? Does it take you a while to realize whose card it is, or what company that person works for? Don't make those same mistakes when designing your business card. Make sure it's a positive reflection of both you and your company, and it mirrors your well-defined brand identity.
Posted in Print Marketing
Tagged business cards, commercial printing, graphic design, print, print marketing, printing
Six Common Print Marketing Myths Debunked
You know how these things get started: One person hears a rumor, then tells two people, who in turn tell two people, and so on. Print marketing is especially susceptible to the rumor mill.
A host of inaccurate myths surrounds the print industry, leaving many with the wrong impression—that print isn't eco-friendly or effective… and other misconceptions.
However, misinformation can lead to missed opportunities and a weaker marketing presence for your brand. Protect yourself from the harmful myths by learning the truth behind the power of print.
Myth 1. Not Eco-Friendly
The paper industry is often unfairly criticized for being harmful to the environment, and the idea of a paper-free workplace has been a frequent topic of conversation over the past few decades.
However, paper can be recycled, and it is also a renewable resource. Paper often comes from managed forests or farms, which replant about 4 million trees every day (four times more than they harvest). In 2010, 63.5% of all paper consumed in the US was recycled, and the numbers have been increasing.
Paper-based marketing also has a smaller carbon footprint than digital marketing, since carbon emissions are only produced once, during the creation of the product. Meanwhile, carbon emissions occur every time someone uses a digital device. Even the act of producing a CD creates more CO2 emissions than printing a 100-page report in full color. If you are still concerned about the eco-friendliness of your marketing collateral, you can take steps to ensure a smaller impact on the environment: Always use stock made from recycled paper.
Encourage recipients to reuse, recycle, or even compost your materials instead of throwing them away. Using organic inks (such as soy ink) is a great way to avoid adding harsh chemicals to your marketing materials. You can skip the ink altogether and use blind embossing or die cutting, which require no ink at all.
Myth 2. Ineffective
Many people write off print marketing as old-fashioned and ineffective in a digital marketplace; however, the industry is still thriving and customers are still responding positively.
According to an International Communications Research survey, 73% of consumers said they preferred to receive printed mail announcements rather than email announcements from the brands that they like. Meanwhile, another survey commissioned by Two Sides showed that 70% of Americans said they prefer to read things on printed paper over a digital screen, and 67% said they liked the feel of print media over other mediums. Think of it this way: On the Internet, there is an unlimited amount of content to distract the audience from your brand; meanwhile, with direct mail marketing, there is a smaller pool of competition and thus you have a greater chance of connecting with the audience long enough to make a conversion.
Print marketing need not be limited to the mail, either; personally handing out your media to a potential customer is a great way to make a positive connection.
The most effective marketing strategy is the one that covers all your bases with both printed and digital media. Add QR codes and URLs to your print media to steer the audience toward your website or social media page. According to a study (pdf) conducted in 2007, 67% of online searches are caused by offline communications—which means a strong print presence can actually lead to more online conversions and sales.
Myth 3. Interchangeable With Electronic Designs
Your digital marketing and print marketing campaigns should promote the same message and display your brand in the same light, but that doesn't mean your designs are interchangeable. Many Web designs are not what you would call "print-ready," and printing them without alteration will result in a misrepresentation of your brand.
For example, the colors you use may not print with accuracy. Designs made for the Web are created using a combination of red, green, and blue (RGB) hues, whereas printed materials use cyan, magenta, yellow, and black (CMYK) to reproduce color. The differences can lead to discoloration and make it so your branded design elements don't exactly match your brand colors.
Likewise, you might have a Web-optimized logo that uses multiple colors but you might find yourself in a situation where you can print only using one color. Without designing your Web logo to be print-friendly ahead of time, you'll either have to completely remake the logo for print or create a separate logo just for your printed materials.
You should also remain aware of the resolution of your images. Web designs tend to be lower resolution, with a standard of 72 dpi (dots per inch). If these same images are used for print, they'll come out hideously blurry and pixelated. Print materials require higher-quality images set to at least 300 dpi.
Myth 4. Can't Be Personalized
The appeal of digital media is how quickly it can be altered. With a few keystrokes, you can completely personalize your marketing materials with the customer's name or other information, creating a stronger connection to the audience. However, the same level of customization is available with your print marketing materials with a variety of different techniques. Variable printing is like the print marketing version of the find-and-replace function in a word document. It makes it possible so that the entire design stays the same, but one part of that design changes, such as a customer's name, a city name, and so on. For print media with more than one page or panel, such as a folder or report cover, you can add a die-cut window for easy personalization. Die-cut windows let you see inside the front cover, so personalization is a simple as changing what's behind the window. When you personalize with print, it's more impressive than on the Web; after all, consider the amount of personalized emails you have sitting in your spam box. Your audience knows that sending personalized emails is not difficult, but they'll be captivated by personalized print media because they'll believe it was expensive and difficult to have customized, which makes the customer feel more special.
Myth 5. Limited Options
Many make the mistake of forgoing creativity in their marketing materials in favor of sticking to the standard features; however, it's hard to make an impact when your collateral doesn't stand out. You're not just restricted to a bland, printed rectangle; depending on the printer you choose, some 15 million combinations of options may be available.
For example, custom die-cutting lets you completely alter the shape of your media so you can do things like create business cards that are shaped like your product or add a uniquely shaped pocket to your presentation folder. Changing the shape of your media makes it easier to remember and harder to part with since it looks and feels different from the standard template.
In fact, the tactile feel of your marketing materials can help you create a stronger connection to your audience because they're experiencing your media using more than one sense at a time. That means picking a stock that feels sturdy (not flimsy) and possibly considering a textured stock like vellum, linen, or kraft for added impact. Special coatings such as soft touch or satin can give your media an extra textural component. Keep in mind that just because these are printed marketing materials doesn't mean you have to use standard color ink as your only imprint method. Embossing is a special method that uses heat and pressure to stamp a design directly into the paper itself, resulting in a raised effect that looks sophisticated and adds a level of texture.
Foil stamping and metallic ink can be used to create shiny, reflective areas of your design that grab the audience's attention. For best results, mix it up by combining imprint methods, such as embossing and foil stamping to create a raised metal effect.
Myth 6. All Printers Are the Same
One of the worst misconceptions about print marketing is that you can get it from any source and it'll always be the same. No two printers are ever alike—from the options they offer to the equipment they use for printing. If you use more than one printer for your marketing materials, you might end up with some noticeable variations in your marketing materials, which could lead to brand confusion.
The best way to ensure high-quality results across the board is to find a printer you like and stick with that printer for all of your printing needs. You should build a working relationship with your printer; it's not enough to just send them your order and be done with it. You want a printer who is willing to work with you, not some cookie-cutter online print shop where you can place your entire order without ever communicating with another human being.
A good printer can answer any questions you might have about the printing process, as well as offer suggestions on which special options to use or how to improve the look of your materials. Many printers hire in-house designers who can create your media from scratch or help bring your design to a print-ready state if it is not already. You can also save money and time by finding a printer who does it all, so that you're not getting business cards from one place and folders from another.
According to Nielsen Research, nearly 90% of consumers say they want to receive print marketing collateral related to promotions and sales. Like the old saying goes… the customer is always right.
A smart marketing plan is all-inclusive, focusing on both printed and digital communications equally to achieve maximum result. That means you can't afford to get tripped up by false information about the print industry when nearly half of your marketing strategy is at stake.
CREDIT: by Vladimir Gendelman – https://www.marketingprofs.com/articles/2013/11255/six-common-print-marketing-myths-debunked
Posted in Print Marketing
Tagged commerical printing, graphic design, print, print marketing, print myths, print rumors, printing


text:
The Apama blog has moved!
Come visit us here and learn about Apama happenings in Capital Markets.
For more Progress news subscribe to the Progress blog.
The Apama blog has moved!
Come visit us here and learn about Apama happenings in Capital Markets.
For more Progress news subscribe to the Progress blog.
Posted by Ben Ernest-Jones
We know that finding real liquidity AND the best pricing for FX market aggregation is something many firms struggle with every day – but that doesn't need to be the case.
For those wondering how they can defuse their own eCommerce aggravation, check out our new video below. In it, we discuss the value of using flexible, proven aggregation and smart order routing technology to level the playing field.
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Editor's Note: the following post is written by Theo Hildyard, Solutions Architect, Market Surveillance at Progress Software was origianally published on TABB Forum.
Since the May 6, 2010 flash crash the issue of out-of-control machines trading on global stock markets has made headlines over and over. Just last week a US market maker, Knight Capital, nearly blew itself up with a rogue algorithm. The calls for regulation are growing louder and regulators globally are struggling to bring order to an automated marketplace that is increasingly chaotic.
In India, the Securities and Exchange Board is considering imposing speed limits on high-frequency trading. The Hong Kong Securities and Futures Commission's CEO is very keen to regulate HFT and proposes that algorithms are tested annually. Australia's Securities and Investments Commission (ASIC) wants automated trading systems tested. In Europe the Securities and Markets Authority (ESMA) is preparing to crack down on every aspect of automated trading from algorithms to CDS to short selling. And in the US the Securities and Exchange Commission is tightening rules on automated trading systems and programs, with Knight Capital having added to the urgency.
Machines trade anywhere from 25% (Australia) to 70% (US) of the volume on stock exchanges. The opportunity to make money depends upon the speed of your trading systems along with the intelligence of your algos. Algorithmic innovation is critical in order for high frequency trading firms to find an edge. Research done by the AITE Group suggests that the average lifespan of a trading algorithm can be as short as three months. With such a small window of opportunity trading firms must design, test and deploy new algos on an almost continual basis. No wonder there are problems.
When we allow machines to make the decisions for us, it is imperative that we design them to be fail-proof. Testing in a non-production environment should be mandatory, and back-testing should be exhaustive. Poor quality due diligence and quality assurance is producing catastrophic consequences. It is our responsibility to ensure that our machines, or robots if you will, do no harm.
I am reminded of author Isaac Asimov's first law of robotics: "A robot may not injure a human being or, through inaction, allow a human being to come to harm." The 'harm' in Rule #1 is happening to the marketplace. The flash crash wiped a trillion dollars off of US-listed firms' market capitalization. Knight Capital's rogue algo wiped $440m off its balance sheet and forced it to look for backers in order to survive.
If algorithms and trading systems were programmed with Asimov-style parameters, there would be far fewer glitches. But even if you are the most conscientious firm out there, you cannot ensure that your counterparties have also programmed and tested their systems and algos thoroughly. And it remains your responsibility, to your customers, staff and shareholders, to ensure that those counterparties do not do any harm to your bottom line or reputation.
Catastrophe can only be avoided by adding an extra layer of control in the trading process; a layer which monitors counterparties for rogue algos or fat fingered trades. That way you have both belts and braces - control over internal trading systems and awareness of external ones. Yes, there will be a tiny bit more latency. But isn't a small latency hop better than bankruptcy?
Posted by Richard Bentley
Posted by Ben Ernest-Jones
Foreign exchange trading appears to be moving from a beneath-the-radar, bank-dominated activity into the international trading limelight. There has been an explosion of new trading platforms and a wave of newer participants lately, partly thanks to new transparency afforded by Dodd-Frank and partly because of the relentless hunt for alpha. Increasingly automated, FX is also becoming the next go-to asset class for high frequency and algorithmic trading.
It wasn't always that way. As TABB Group's Larry Tabb said in an article in Wall Street & Technology: "FX has always been different. Be it that currency is a bank's core product, be it that banks control the payments infrastructure, or be it that banks are critical in implementing Central Banks' monetary policy, the banks have historically dominated FX."
Because FX is mainly traded via single dealer platforms, multi-dealer platforms such as FXall, and interdealer marketplaces, it is fragmented in a different way from equities. Traditional trading platforms along with a couple of the sturdier newcomers like multi-dealer platforms FXall (which Thomson Reuters is buying) andCurrenex have been the dominant destinations for electronic trading of FX.
But now that the SEC and CFTC have clarified that forex contracts will be determined to be swaps, they will become part of the centrally cleared instrument pool. This means a whole new layer of banks, brokers, and venues are already popping their heads up. FX will soon emulate the expansion, consolidation, and then contraction of destinations experienced by the equities markets.
There will be more opportunities for market participants to trade, hedge, arbitrage and manage risk. Algorithmic strategies will dominate, attracting more and more destination venues - and then fragmentation will be the mantra. So how are traders going to position themselves to scoop the profitable FX bubbles out? It is not as easy as you would think. In many cases, what appears to be an increase in liquidity is actually an increase in "phantom" orders, as institutions advertise the same underlying liquidity across an increasing number of locations. Trading algorithms will need to be smarter, and tuned over time to counteract this as the landscape changes.
Bank traders are looking for ways to handle the new world order of FX. Because their clients want to be able to trade forwards, swaps, spot and even options on the same system, banks are having to do the once-unthinkable: merge their forwards desks with their spot desks.
In the old days of voice trading, forwards and spot traders ran completely separate books and dealt with (mostly) different customers. Today clients are asking to hedge forwards and spot on the same system at the same time. Some want to trade using forward-to-spot conversions against aggregated spot prices from several platforms and some want to use aggregated forward rates directly. Some want a blending of both. The opportunities for banks are plentiful, if they can harmonize FX products, trading and hedging across trading systems successfully.
Many bank clients have seen what has happened in the equities markets; with high frequency trading and algorithmic strategies becoming problematic and largely vilified. When the world's largest interdealer brokersaid recently that it would tackle "disruptive" practices by high-frequency traders on its foreign exchange platform it became clear that some of the lesser-loved equities issues were already creeping into FX markets.
The Wall Street Journal says that there are already fears of an FX "boom" reminiscent of the equities venue explosion in 2001. "Some market insiders fear the trend for highly specialized new systems aimed at separate pockets of clients could end up splitting the liquidity that underpins this $4 trillion-a-day market, making it harder to trade," said the paper. Pigeon-holing traders, whether it be by class of trader, asset class or by delivery date, only creates more fragmentation. This could equate to lower volumes (like equities), more volatility (like equities) and an increase in manipulative practices (like equities). Regulators will no doubt be watching, and new rules will be implemented even faster than has happened in equities.
In a discussion at the FX Week USA event in NYC recently one FX trading platform provider said that you need a full market ecology to provide proper efficiency. This means having all market participants operate in the same liquidity pool. In the end the unique self-regulating properties of the FX markets mean that the market will shift towards what is best for the market - because it can. Preparation for this inevitability will determine who survives.
Posted by Richard Bentley
Exactly how can you enforce rules when there's nobody in charge? This was a question that reared its head at the recent International Derivatives Expo (IDX) in London after a statement from David Lawton, Acting Director of Markets at the Financial Services Authority (FSA), who concluded his keynote address by imploring industry to 'step up' and take responsibility.
The clear inference from Mr. Lawton's speech was that it's the role of regulatory bodies such as the FSA to provide, in some cases, very detailed guidance, but the responsibility of those within the industry to implement it. To my mind this raises a number of questions – not least around how this should happen and, perhaps more importantly, whether or not these guidelines are actually enforceable without a regulatory body policing market activity?
If the onus is indeed placed on the industry to self-regulate, the first barrier that will need clearing is for all market participants to agree that it's in their best interests to ensure the regulations are adhered to. Only then can we focus our attention on how guidelines such as those announced by The European Securities and Markets Authority (ESMA) regarding the systems and controls required in automated trading environments are followed.
That some form of self-regulation and enforcement is required is however not in doubt. Would you drive a car without brakes and then blame the traffic cops for not slowing you down when the inevitable crash occurs? Participants need to take responsibility for policing their own activities, by deploying the same kinds of real-time controls and surveillance capabilities as venues and the regulators themselves. Brokers and banks often have more visibility of their clients' trading activities and positions than any one venue or indeed national regulator. (The recently announced plans for a Consolidated Audit Trail in the US will do nothing to change this, given the identity of the beneficiary end-point of each trade is not identifiable from the CAT.)
Increased use of pre- and post-trade surveillance tools will not only help the industry to, as Mr. Lawton suggests, 'step up', but could also restore some of the faith in the markets that has been lost in recent months and years. In the absence of any single authority capable of enforcing the rules, it is in the industry's best interests that market participants fill the gap.


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Maggie loses another attraction with closure of Eaglenest Entertainment
After eight years of entertainment, Maggie Valley's largest venue is closing its doors, falling prey to the poor economy.
800-seat Eaglenest Entertainment was one of the largest in Haywood County and has drawn big-name acts such as Percy Sledge and Pam Tillis, but in the end, they just couldn't keep pace with a still-sluggish economic environment and consumers' increasingly discerning tastes in entertainment.
"There's a lot of competition for the entertainment dollar today," said owner Grier Lackey. "We have not been able to attract the clientele that we needed to make the place profitable."
Lackey is putting Eaglenest up for sale with hopes that whoever buys keeps it as an entertainment venue.
"We are going to make every effort we can to try and get someone back in there that will be an asset for Maggie Valley," said Lackey. "That's not going to be easy, but we'll wait for the right opportunity that will be an asset to Maggie Valley."
For now though, Maggie Valley is missing one of the few major attractions the struggling tourist town had left. Carolina Nights dinner theater is not reopening this season either.
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It will "leave a big gap in entertainment options," said Teresa Smith, president of the Maggie Valley Chamber of Commerce.
The massive center is state-of-the-art and unique in Maggie Valley. In addition to the large two-level auditorium, there's also an outdoor amphitheater that can hold up to 1,000.
The site opened in 2003, replacing the notorious dance club Thunder Ridge with a family-friendly, alcohol-free venue. The idea, said Lackey, was to bring in entertainment that was geared towards families and tourists, bolstering the entertainment economy in the valley.
And to a certain extent, it worked. The place did draw a number of big names and crowds of music fans clamoring to see them. However, with the tanking economy, the shows Eaglenest has been able to book have steadily dwindled, along with each production's attendance.
Lackey chalks this up not only to the economy, but to new entertainment venues that have come online in the region, like Smoky Mountain Center for the Performing Arts in Franklin and a new concert venue at Harrah's Cherokee Casino.
"I think that has had a drastic effect on it," Lackey said. Plus, the region is known for its plethora of free festivals and music events put on to attract tourists.
Really though, said Lackey, it wasn't just the new competition that was the death knell for the place. It was also a changing tide in what people actually want and are willing to pay for. Expendable income, he said, is shrinking fast, and the money that was once put to seeing acts of all kinds is now spent more carefully.
People only want to see artists they're really committed to, which makes filling an 800-seat auditorium in a semi-rural community a very difficult proposition indeed.
And to just break even, never mind turning a profit, Lackey said they need to be pulling in at least 60 to 70 percent of their capacity for each show. That, of course, just hasn't been happening.
Lackey says he's not in a huge hurry to sell. The venue was always more of a hobby than a central business investment anyway. He is the president of Taylor Togs, once the nation's manufacturer of Levi Strauss.


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Submitted by egdaylight on
A recurring theme in my blog posts is the appropriation of the term "computer program" by Dijkstra and other researchers. The "computer program" concept has acquired at least four different meanings during the course of history. It can refer to:
- a technological object à la Maurice Wilkes in 1950 and Dave Parnas in 2012,
- a mathematical object of finite capacity à la Edsger Dijkstra in 1973,
- a mathematical (Turing-machine) object of infinite size à la Christopher Strachey in 1973, and
- a model of the real world that is not a logico-mathematical construction à la Peter Naur in 1985 and Michael Jackson today.
With regard to Dijkstra and Strachey, see my blog post from March 2013. For Naur's views, see my oral history with him and, likewise, see my interview with Jackson. (Finally, there is of course Raymond Turner's philosophical perspective: to view a "computer program" as a technical artefact, which is not quite the same as Viewpoint 1.)
What I find so vexing is that computer scientists did not consistently follow one interpretation in their writings. Marvin Minsky, for example, used the word "program" on page 25 in his 1967 book, Computation: Finite and Infinite Machines [8], to refer to data and instructions that fit in a real, finite memory of a physical computer. On page 153, by contrast, the very same word refers to a mathematical object of "unlimited storage capacity," akin to a Turing machine. Likewise, Tony Hoare consistently used the word "computer" in 1969 to refer to a real physical device but in his 1972 paper the very same word sometimes refers to a finite, physical device and sometimes to a mathematical abstraction in which "infinite computations" can arise [4].
In sum, historical actors did not always explicitly distinguish between real objects and their models, let alone between all four aforementioned meanings of a "computer program." In the words of an eminent scholar, "epistemic pluralism is a major feature of emerging fields" [1] and I have no reason to believe that computer science is any different.
In the next section I present an extract from my rejected POPL paper, pertaining to Minsky's reception of the halting problem. Again, it is the categorical distinction between a mathematical program and a computer program that I wish to emphasize, not to mention the fact that a computer program can be modeled with multiple mathematical programs. Minsky places a "computation system" and a "Turing machine" in the same category. That's fine as long as a computation system denotes a mathematical object. But, later on it becomes clear that he is talking about electronic computers.
Extract from my Rejected POPL Paper: "Marvin Minsky, 1967"
That all being said and done, the anonymous referees [from the CACM] whom I have cited at length [in a previous part of my rejected POPL paper] are in good company for they have history on their side. In 1967 Marvin Minsky reasoned similarly in his influential book Computation: Finite and Infinite Machines, as the following excerpt illustrates:
The unsolvability of the halting problem can be similarly demonstrated for any computation system (rather than just Turing machines) which can suitably manipulate data and interpret them as instructions.
In particular, it is impossible to devise a uniform procedure, or computer program, which can look at any computer program and decide whether or not that program will ever terminate. [8, my emphasis]
How do we interpret Minsky's wordings? Does a "program" solely refer to a "Turing machine" or any other Turing-equivalent mathematical program for that matter? If so, then we could perceive the statement as [completely] abstract and correct; for then it would be a rephrasing of Martin Davis's 1958 account [3, p.70] of Alan Turing's 1936 paper. Or, as a second interpretation, does a "program" refer to a computer program that we can indeed "devise" and that may or may not "terminate"?
Based on a detailed study of Minsky's book, I assert that the right answer leans towards the second interpretation, as also the follow-up excerpt from his book indicates:
(This observation holds only for programs in computers with essentially unlimited secondary storage, since otherwise the computer is a finite-state machine and then the halting problem is in fact solvable, at least in principle.) [8, p.153, my emphasis]
Paraphrasing Minsky, if we view computer programs as Turing machines, then we have an impossibility result with severe practical implications. However, Minsky's reasoning is only valid if the following two assumptions hold (each of which is wrong):
- A computer program is a synonym for a mathematical program.
- The mathematical program (mentioned in the previous sentence) has to be equivalent to a Turing machine program and not to, say, a primitive recursive function.
In other words, Minsky did distinguish between finite and infinite objects, but not between abstract objects (Turing machines) and concrete physical objects (computers and storage), let alone between abstract objects and technical artefacts (computer programs).
The second assumption often goes unmentioned in the literature exactly because computer programs and mathematical programs are frequently conflated. Contrary to what Minsky wrote, a computer with a finite memory is not a finite state machine, it can only be modeled as such.
While I have criticized the first assumption philosophically, the second assumption can easily be scrutinized by having a good look at the history of computer science. Specifically, I will complement the findings of the historians Michael Mahoney [7, p.133] and Edgar Daylight [5, Ch.3] and support the following thesis: computer scientists mathematically modeled actual computations in diverse ways, and many of them did not resort to the Turing-machine model of computation (or to any other Turing-equivalent model). In a word, there never has been a standard model of computation throughout the history of computer science; it is the quest for such a model and not the model itself that brought many computer scientists together.
Revisiting the Gatekeeper
That, then, was an excerpt from my rejected POPL paper. The extract conveys Minsky's 1967 stance with regard to the unsolvability of the halting problem. The question of interest here is whether Minsky intentionally fused the two categories of mathematical programs and computer programs. Perhaps he was merely crafting his sentences with brevity in mind and I am making too much of all this.
My scrutiny of the writings of John Reynolds, Michael Hicks, Andrew Appel, Dave Parnas, Swarat Chaudhuri, CACM reviewers, and Marvin Minsky, at least hints at the possibility that epistemic pluralism is a major feature of computer science too. It is precisely Raymond Turner and like-minded scholars who are starting to lay the philosophical foundations of our emerging field. The POPL Gatekeeper, however, has expressed a very different opinion:
Most criticisms of particular authors and their published claims seem dubious. I think these authors really do understand all the relevant issues and have just crafted certain sentences with brevity in mind. It doesn't work in practice to footnote every sentence with a review of all of its philosophical foundations!
It works to be precise at least once. Conflations abound. Or, to borrow from Timothy Colburn's analysis, here's what Tony Hoare wrote in 1986:
Computer programs are mathematical expressions. They describe, with unprecedented precision and in the most minute detail, the behavior, intended or unintended, of the computer on which they are executed.
This quote, which I have copied from page 132 in Colburn's book Philosophy and Computer Science, is reminiscent of Chaudhuri's words which Parnas and subsequently I, too, have scrutinized. Or, to use Peter Naur's 1989 words, as cited by Colburn on page 147 in his book Philosophy and Computer Science:
It is curious to observe how the authors in this field, who in the formal aspects of their work require painstaking demonstration and proof, in the informal aspects are satisfied with subjective claims that have not the slightest support, neither in argument nor in verifiable evidence. Surely common sense will indicate that such a manner is scientifically unacceptable.
One such subjective claim is, once again, that "full formal verification" is possible; that is,
"full formal verification, the end result of which is a proof that the code will always behave as it should. Such an approach is being increasingly viewed as viable." — citing Michael Hicks
If the POPL Gatekeeper were to "really understand all the relevant issues" raised in my rejected POPL paper him- or herself, then s/he would either agree with me or with Michael Hicks but not both. The Gatekeeper can't have both ways.
Pluralism is a Virtue
Researching the history and philosophy of our young field already has practical value today. Grasping the multitude of definitions of a "computer program" leads to conceptual clarity and, specifically, to an increased understanding of seemingly conflicting views on computer science. For example the Parnas-Chaudhuri exchange is essentially a clash between definitions 1. and 3., presented at the beginning of this blog post. Each actor associates a different meaning to the term "computer program."
Appreciating the plurality of "computer program" definitions can lead to better computer engineering practices. For instance, Byron Cook's article 'Proving Program Termination' [2] and Daniel Kroening and Ofer Strichman's book, Decision Procedures: An Algorithmic Point of View [6], together present two complementary views on what a "computer program" entails in the present century. For Cook, the variables in the following program text range over integers with infinite precision and, therefore, follow Strachey's 1973 programming view and show some resemblance with Minsky's account on page 153 of his 1967 book.
x : = input();
y : = input();
while x > 0 and y > 0 do
if input() = 1 then x : = x - 1;
else y : = y - 1; fi
Kroening and Strichman, by contrast, present an alternative perspective in which all program variables (in the above program text) are defined over finite-width integers and this aligns more with the view held by Dijkstra (1973) and with Minsky's account on page 25. The implication is that the software tools built by Cook differ in fundamental ways from those developed by Kroening and Strichman. (A descent analysis of Peter Naur's writings will reveal yet another view on programming.) Good engineers today benefit from this pluralism by using the tools provided from both camps. They will not object if they are requested to use different semantic models for the same C computer program — a point that I have tried to stress before.
[1] Bensaude Vincent, 'Studies in History and Philosophy of Science Part C: Studies in History and Philosophy of Biological and Biomedical Sciences,' 44:2, 122–129, 2013.
[2] Cook, Podelski, Rybalchenko, 'Proving Program Termination,' CACM, 54:5, 88–98, 2011.
[3] M. Davis. Computability and Unsolvability. McGraw-Hill, New York, USA, 1958.
[4] Hoare, Allison, Incomputability, ACM Comp. Surveys 4.3, 169–178, 1972.
[5] D. Knuth and E. Daylight. Algorithmic Barriers Falling: P=NP? Lonely Scholar, Geel, 2014.
[6] Kroening, Strichman, Decision Procedures: An Algorithmic Point of View, Springer, 2008.
[7] M. Mahoney. Histories of Computing. Harvard University Press, Cambridge, Massachusetts/London, England, 2011.
[8] M. Minsky. Computation: Finite and Infinite Machines, Prentice-Hall, 1967.
1 Comment
liminal artifacts
Submitted by anonymous (not verified) on
Where do some phil.cs:tsts' idea of programs as "liminal" artifacts fit? I don't quite agree with that idea, as it assumes a new ontological category, but I think it's an important viewpoint.
I think that Gordana may have talked about that ontological position of programs in some of her books, and perhaps Dasgupta's book "it began with babbage" might have an introduction to it.


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With tens of millions of COVID-19 vaccine doses going into American arms, pressure is mounting for a U.S. "vaccine passport" that would allow the fully immunized to travel freely and more easily enjoy other aspects of pre-pandemic life.
More than two dozen airline trade organizations, labor unions and the U.S. Chamber of Commerce have asked the White House to "establish uniform guidance" for a method of proof of COVID-19 immunity, according to a letter sent last week to White House Coronavirus Response Coordinator Jeff Zients.
Some other nations are even further along. For instance, Israel is now issuing a Green Pass to the immunized that allows them exclusive access to sports events, concerts, gyms, hotels and restaurants.
The pros of a vaccine passport program are obvious -- a boost to tourism and reinvigoration of economies hit hard by the pandemic.
"Inevitably I think there are going to be these passports because people are eager to go back to a sense of normalcy," said Dr. Mahshid Abir, a senior physician policy researcher for the RAND Corp. "From both the supply and demand side, there is impetus to get tourism and traveling back on track, and go back to some semblance of normalcy."
But there also are many troubling cons to vaccine passports, so much so that the World Health Organization has come out against them and the White House has taken a hands-off approach so far.
Last week, WHO Executive Director of Health Emergencies Dr. Michael Ryan told news media that vaccine passports should not be used as a requisite for travel due to "real practical and ethical concerns."
And on Monday, Andy Slavitt, a senior adviser to the White House COVID-19 response team, said in a media briefing that "it's not the role of the government to hold that data and to do that" when asked about vaccine passports.
"But we do believe that when that gets done, there is a right way and a way that's not as good," Slavitt continued. "And the right way is: It needs to be private; the data should be secure; the access to it should be free; it should be available both digitally and in paper, and in multiple languages; and it should be open source."
A means of persuasion
One other potential benefit of requiring a vaccine passport to travel, eat out or attend a rock concert might be that it would pressure some vaccine-hesitant folks into getting their inoculation, Abir said.
"Maybe it will encourage people to just get it done with so they can move on and enjoy the aspects of life they're missing out [on]," she said.
However, these passports could also deepen inequities around the world, create concerns over rampant fraud and privacy violation, and in the end not help halt the pandemic, said Dr. Howard Koh, a professor with the Harvard T.H. Chan School of Public Health and a former assistant secretary for health in the Obama administration.
"It could lead to many unintended consequences, particularly related to widening the divides in our society," Koh said.
First off, scientists don't know enough about the immunity conferred by vaccination to know how long such a passport should be valid, he said.
"A vaccination passport is not necessarily an immunity passport," Koh said. "We still don't know exactly how long the duration of immunity might be. Immunity could last for many years, or could be much, much shorter."
Regarding vaccine passports used to travel between countries, there needs to be some sort of agreement on which vaccines are valid and what information would be required on the document, Koh added.
The suspension of the AstraZeneca vaccine in a number of European countries due to concerns over blood clots shows this isn't a theoretical issue. Every country has been approving different vaccines for their population, and it's not clear what that would mean for travelers.
"If someone comes here and their passport says they received the AstraZeneca vaccine, what does that mean for having a standardized passport?" Koh said.
Fraud, disparity issues could arise
The form that a vaccine passport would take is another open question.
Israel's Green Pass is in both paper and electronic form, but some travel experts have said that it will be impossible to scale up a vaccine passport program unless the document comes in digital form. What does that mean for older folks who aren't tech-savvy or poor people who can't afford a smartphone?
"You've seen how difficult it's been for elderly populations to navigate websites to gain access to vaccines," Koh said. "It's yet another form of disparities that we're witnessing, not only with respect to income, but also with age."
On the other hand, a paper passport would be subject to fraud unless it's in the form of a forgery-resistant government document, like a driver's license, that would be hard for people to duplicate, Abir noted.
Globally, a vaccine passport used for travel could foster resentment against wealthier countries that will have first access to COVID-19 immunization, Abir added, to the point that it might have "national security implications."
"If it becomes common knowledge that the people who are traveling overseas from the United States are those who are vaccinated, and they are going to destinations where perhaps everyone is not vaccinated, what are the sentiments going to be towards those tourists in those countries?" Abir said.
This is part of the reason why the WHO currently opposes vaccine passports, Ryan said.
"I think there are real practical and ethical considerations that countries will have to address, because if access to vaccines is inequities, then inequity and unfairness can be further branded into the system if we continue to make decisions on what people can and can't do, where they can and can't go, on the basis of being vaccinated, when vaccination itself is not something that everyone has equal access to," Ryan said.
There's one final argument to be made against vaccine passports, Koh said: There's no evidence to show such documents would stop the spread of COVID-19.
"If this is a way to reduce transmission, that would be an ideal outcome, but we don't have any evidence of that yet," Koh said. "There are too many critical unknowns. You start looking at this, and you become humbled by how complex it can be."
More information
The U.S. Centers for Disease Control and Prevention have more about the national COVID-19 vaccination program.
SOURCES: Mahshid Abir, MD, senior physician policy researcher, RAND Corp.; Howard Koh, MD, MPH, professor, Harvard T.H. Chan School of Public Health, Boston


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A group of four to six people and a facilitator who meet every month to discuss and learn new strategies to help in their personal and marketplace journey
What do they offer?
An opportunity to grow your business skills and network. Be encouraged, empowered and ready to face your next challenge.
Sharing in a relaxed and confidential environment with likeminded people
How do they work?
Each group determines meeting time and place
Breakfast meetings (Usual held at a Cafe)
Time: 7am to 8.30pm
Format: Personal sharing time as we have breakfast, followed by discussion of this months topic
Current resources are Deep Leadership by Dr Nick Hawkes and Maximum Impact Club by John Maxwell
We have a number of groups in different areas of Adelaide so contact us and check one out and see what you think.
Today more than ever, the heart of our cities is the marketplace. Yet the perceived "wall" between commercial pursuit and service to God continues to be a barrier to advancing His kingdom. Ed Silvoso invites all Christians in the foundation for an unparalleled marketplace revival. Only then can we extend God's kingdom to every corner of our world.
***DVD starting times listed below***
Chapter 1: Confessions of a Christian Businessman.....Start..9:35
Chapter 2: Jesus and the Marketplace....Start..17:45
Chapter 3: The Disciples and the Marketplace.....Start..25:20
Chapter 4: The God of Business.....Start..32:10
Chapter 5: God loves Bill Gates Too.....Start..44:10
Chapter 6: Reconciliation in the Marketplace.....Start..36:40
Chapter 7: The Kingdom, The Church and the Marketplace.....Start..47:50
Chapter 8: God in the Boardroom.....Start..52:30
Chapter 9: Four Steps to finding Your Destiny in The Marketplace.....Start..1:00:05
Chapter 10: Your Destiny: Saving the Nation.....Start..1:07:50
Chapter 11: Why God wants You to declare Bankruptcy.....Start..1:15:30
Chapter 12: Doing Business God's Way.....Start..1:22:40
Deep Leadership is a book about how to lead at a profound level, a level that transforms organisations—and it is written by a leader.
Chapter 1: What is Leadership?
Chapter 2: Leadership Qualities
Chapter 3: Leadership Styles
Chapter 4: Strategic Planning and Vision
Chapter 5: Conflict Management
Chapter 6: Bringing Change and Controlling Culture
Chapter 7: Finding and Selecting a Team
Chapter 8: Investing in Your Team
Chapter 9: Up-Front Leadership Skills
Chapter 10: Making Meetings Work
Chapter 11: Leadership in Today's Context
Chapter 12: Leadership Self-Management
Chapter 1: The Journey Is More Fun
If You Know Where You're Going
Part 1: Knowing Your Purpose
Chapter 2: Where Would I Like to Go?
Chapter 3: How Far Can I Go?
Chapter 4: How Do I Get There from Here?
Part 2: Growing to Your Maximum Potential
Chapter 5: What Should I Pack in My Suitcase?
Chapter 6: How Do I Handle the Detours?
Chapter 7: Are We There Yet?
Part 3: Sowing Seeds That Benefit Others
Chapter 8: Is It a Family Trip?
Chapter 9: Who Else Should I Take with Me?
Chapter 10: What Should We Do Along the Way?
Afterword: What Did You Like Best About the Trip?
Accelerate your personal and professional growth with your mentor, John C. Maxwell. Sign up now for LIVE monthly calls with Maximum Impact Mentoring.
Listen in and ask questions on your LIVE monthly call with John.
Access more than 50 personal growth and leadership lessons from John.
Experience simple, applicable teachings each month to accelerate your business and personal growth.


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From Conservapedia
(Redirected from Loans)
A loan is the giving of money by one person or entity (usually a bank) to another person or entity who promises to repay the loan in the future, typically with interest. Usually the loan is given based on the security of the lender being able to acquire ownership of the asset being acquired by the loan.
While personal loans among individuals may involve repayment all at once, loans through financial institutions usually encompass regular payments to satisfy the debt.


text: the bracketed numbers. The pegs are applied like rivets, that is, their ends are bent over and beaten down fast; but before doing so, they are passed; through thin pieces of copper, as a protection to the leaves. Sometimes (as in No. VII of the First Set, No. III of the Fifth Set and No. V of the Seventh Set) these guards are round ornamental pieces, resembling coins, as shown in fig. 3 of Plate IV; or they are elliptical (as in No. VIII of the First Set) or oblong (as in No. VI of the Seventh Set); but many of them (as in Nos. I and VII of the First Set, Nos. I and III of the Fourth Set, No. III of the Fifth Set, and No. I of the Seventh Set) are evidently portions of a large ornamental circular plaque which had been cut into pieces; and in this case the pieces are very large, as shown in Plate IV, fig. 1. In two cases (in No. I of the Second Set, and in the book of the Eighth Set) the guards consist of two long slips of copper, extending the whole length of the book. The twists of paper are applied, like pieces of string, to form loops. The stitching with thread only occurs in two books, in No. II of the Third Set and in the book of the Ninth Set. As a rule the fastening is made in three separate places, by three nails, or three twists of paper, or three loops of thread. Twice, however, in No. III of the Fourth Set and in the book of the Ninth Set, four pegs and four threads respectively are used; and once, in No. 11 (Pōthi) of the First Set, only one peg. A fastening in two places is more frequent; four times (in No. VIII of the First Set, Nos. V and VI of the Fifth Set, and No. IV of the Seventh Set) only two pegs are used; and twice (in No. VII of the First and No. VIII of the Fifth Set) only two twists of paper. The three initial and the three final pages are as a rule left blank; and thus the first and the last leaves, being blank, serve as covers to the book. In one case (No. VIII of the Fifth Set) seven initial and seven final pages (i.e., three leaves on each side) are left blank. The probable object of this arrangement is disclosed by No. II of the Second Set and No. I of the Fifth Set, in which four and two leaves respectively have been pasted together to form pasteboard covers at either end. The single exception above referred to is a pōthi (No. II of the First Set), that is, a book arranged in the Indian fashion. In this case, the whole collection of "forms" is placed between two pieces of wood, and held in position by riveting it with one copper peg, passed through the middle of one of the narrow sides, as shown in Plate VIII. The arrangement is exactly the same as in the case of a set of Indian copper-plates of a landgrant. The peg takes the place of the seal-ring of the grant, or of the string of a manuscript. The two ends of the peg are split in two, and the two splits are turned over right and left, after having been passed through the thin copper The Pothi. guard; thus the whole pōthi is kept firmly fixed. The two wooden covers are thick rough pieces (8 x 4 x 1") of a very light kind of wood, the outside surfaces of which are not planed. In size and shape the block-prints vary greatly. Some are narrow oblongs, measuring from 9 to 143 by Size and shape. 4 to 4 inches; but mostly they are broad oblongs, the largest measuring 23 x 13", the smallest, 6 x 44". Their thickness, also, much varies, depending, of course, partly on the number of forms contained in them, partly on the thickness of their paper. The thickest is the pothi, its wooden covers alone measuring together two inches. Further details of measurements will be given with the following description of the several xylographs. In a few cases the corners are slightly rounded off: in one case this is done so much as to render the shape of the book eliptical; see fig. VIII in Woodcut No. 12. The edges of the leaves are frayed, as if the sheets had been cut with a blunted or notched instrument. Very exceptionally I have found the edge of a pair of leaves uncut. In these cases, when fastening the book, a folded sheet had been put in wrongly with the fold outside instead of inside. On the other hand, in five cases (First Set, Nos. IV and V, Fourth Set, Nos. III and VII, Seventh Set, No. V) I have found all the folds cut through, so that practically the book consists of separate leaves, instead of forms. This is also the case in No. VII of the Fifth Set, where, however, the leaves appear to have become separated by the wear and tear of the folds. Paper. The xylographs are all printed on paper. The paper appears to include, at least, three distinct classes. One class is a soft paper, thin, and of even texture, much like the white or whitish paper of the Weber and some of the Macartney Manuscripts, published by me in the Journal of the Asiatic Society of Bengal, Vols. LXII and LXVI, which is believed to be made of the bark of the laurel (Daphne). This class of paper is found only in the one book which constitutes the Eighth Set. It has a deep yellow colour, which is probably a tint artificially imparted. Another class of paper is only found in the book and the roll, comprised in the Ninth Set. This is an exceedingly thin, almost transparent, tough paper, of even texture, with a light yellowish tint, probably natural. In its present condition it has become somewhat brittle, from age. Except in colour, it reminds one of what, in the trade, is known as parchment overland paper; in fact, at first sight I thought it was very fine vellum, though on closer examination and washing, it at once revealed itself to be paper. The most common is a third class of paper, of a more or less uneven texture and thickness, the prevailing colour of which is a more or less dirty yellowish-brown Four distinct varieties are observable. The first variety is a soft, thickish paper, to the touch resembling felt or cloth, of comparatively even texture and rather brighter yellowish-brown colour. It is found in nine books; viz., Nos. I and II of the First Set, Nos. I, III, IV, V and VI of the Second Set, and Nos. II and III of the Third Set. The second and third varieties differ from the first variety only in being progressively thinner, of more uneven texture, and of darker colour. The third variety, indeed, is occasionally of an exceedingly flimsy make. The second variety is found in nineteen books; viz., Nos. II, III, IV and V of the First Set, No. II of the Second Set, No. I of the Third Set, Nos. I, II, III, IV, VI and VII of the Fourth Set, Nos. I, II and VIII of the Fifth Set, and Nos. I, II, III and V of the Seventh Set. The third variety is found in five books; viz., Nos. VII and VIII of the First Set, No. V of the Fourth Set, No. III of the Fifth Set, and No. VI of the Sixth Set. All these three varieties are comparatively soft papers, and in this respect differ from the fourth variety, which is a hard and stiffish paper, of middling thickness, and of very uneven make. This fourth variety much resembles, except in point of colour and age, the kind of paper which is still made in Khotan at the present day. It is found in nine books; viz., No. VIII of the Fourth Set, Nos. IV, V, VI, VII of the Fifth Set, and Nos. I, II, III and IV of the Seventh Set. With the exception of one book, they all belong to M. 8; and the single exception belongs to M. 9. The three other varieties do not resemble the modern Khotanese paper, though it is probable that they all are of Khotanese manufacture, being probably made of the same material, and by the same or a similar system of preparation. I am disposed to believe that the four varieties of this class of paper represent four different periods and four successive degradations of Khotanese paper manufacture. The texture of the modern Khotanese paper is exceedingly coarse and uneven, its pulp having been prepared very roughly and spread very unevenly. When fresh, the paper has a creamy or greyish colour: the much darker colour of the corresponding paper of the block-prints is the effect of age. Regarding its material I have received two different statements. The Rev. Magnus Bäcklund, Swedish Missionary in Kashghar, who has visited Khotan, informs me in a letter, dated the 29th June, 1898, that "it is made of the bark of the willow, softened in lye, and then taken up and beaten between flat stones, which of course, cannot be made so well as to prevent small pieces of bark remaining here and there." According to Munshi Aḥmad Din, of the Kashghar Agency, in a note written for me on the 19th December, 1898, "the Khotan paper is a very coarse stuff, chiefly composed of silk waste." In the sequel these classes and varieties of paper are referred to as I, II, IIIa, IIIb, IIIc, and IIId respectively. The paper of the Pōthi (No. II of the First Set) I am doubtful in classifying, but it probably belongs to Class IIIb. That these books were printed from blocks of type is apparent from the fact that the text is repeated over Block-printing. and over again, from page to page, the repetitions being facsimiles, as shown by measurements made by me (see below under the First Set). The type, cut on the block, was enclosed in a square of raised straight lines, and occasionally these inclosing lines are printed off along with the inclosed type; but as a rule they do not seem to have been inked, and only a few traces of them, here and there, are seen (as, e.g., on Plates IX and X). The printing was not always carefully done; occasionally the blocks were inked too much, and the impressions are smudgy: at other times they were inked too little, and the impression is almost illegible. When the print is repeated on the same page, the impressions, for the sake of economy, were sometimes placed so close together as to cause the margins of the prints to run into one another and obliterate the letters. From the fact that sometimes one has to remove the rivets, in order to be able to read the whole of the impression, it is evident, that, as a rule, the sheets or pages were printed first before they were stitched or riveted into books. In some books, especially of the Fifth, Sixth and Seventh Sets, the paper appears to have been more or less strongly greased, before printing, possibly with the object of sizing it; but the process has sometimes had the effect of rendering the impressions almost illegible. A regular system appears to have been observed in printing the xylographs. As already explained, the first System of Printing. and the last leaves of a book were always left blank, for the purpose of serving as a cover. For the same reason, the exterior pages of the second and penultimate leaves were also left blank. The printing almost invariably commences on the interior of the second leaf (ie., the 4th page of the whole book), and stops on the interior of the penultimate leaf (i.e., the ante-ante-penultimate page of the whole book). There are a few exceptions, which will be noted in the detailed description; see, e.g., No. VI of the First Set. Thus supposing a book had six leaves or twelve pages, the imprints would commence on the fourth page and stop on the 9th page; pages 1, 2, 3 and 10, 11, 12 being blank. With regard to the arrangement of the imprints on the pages, the principle (to which there are only a very few exceptions) was that they were placed alternately in an upright and reversed position. Whence it follows that, in reading a book, one would at first, read consecutively, throughout the book, all the upright impressions; J. 1. 11 next, turning the book right round, one would commence at the back of the book, and read consecutively, right through the book, all the reversed impressions, which, however, would now of course, stand upright towards the reader. The subjoined Woodcut No. 11 illustrates this system, and the various modifications in which it is applied. The dotted lines in the diagrams signify the lines of type, and the letters a and b indicate the beginnings and endings respectively of the impressions of the text. In No. I, there are two impressions in each column, standing foot to foot; those in the upper halves of the pages standing upright, while those in the lower halves are reversed. In this book one would read, first, consecutively all the impressions in the upper halves of the pages, in regular order (4, 5, 6, 7, 8, 9, etc.), up to the end of the book. Next turning the book right round, in the direction of the arrows, and thus bringing the reversed impressions into an upright position, one would read consecutively all the impressions (of the formerly lower half-pages) from the back to the beginning of the book, in regular order (etc., 9, 8, 7, 6, 5, 4). The same system, in another, slightly modified form, 3 The Roman numbers in this and the following Woodcuts refer to the books of the First Set. The diagrams are drawn to the scale of 1 inch in the woodcut to 12 inches of the original, |


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Rats not only pose a danger to your health but they can also cause damage to the properties they infest. Our local Barnes rat control experts will not only eliminate the rat infestation, they will also provide advice and rat deterrents to prevent the problem reoccurring.
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The most commonly encountered mouse is the house mouse (Mus musculus). They live alongside humans, nesting in buildings and eating stored food. Farms, houses, hospitals, schools, food factories, hotels and restaurants all provide shelter and sustenance for an mice.
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Your score falls within the range of scores, from 670 to 739, which are considered Good. The average U.S. FICO® Score, 714, falls within the Good range. Lenders view consumers with scores in the good range as "acceptable" borrowers, and may offer them a variety of credit products, though not necessarily at the lowest-available interest rates.
21% of U.S. consumers' FICO® Scores are in the Good range.
Approximately 9% of consumers with Good FICO® Scores are likely to become seriously delinquent in the future.
How to improve your 705 Credit Score
A FICO® Score of 705 provides access to a broad array of loans and credit card products, but increasing your score can increase your odds of approval for an even greater number, at more affordable lending terms.
Additionally, because a 705 FICO® Score is on the lower end of the Good range, you'll probably want to manage your score carefully to prevent dropping into the more restrictive Fair credit score range (580 to 669).
40% of consumers have FICO® Scores lower than 705.
The best way to determine how to improve your credit score is to check your FICO® Score. Along with your score, you'll receive information about ways you can boost your score, based on specific information in your credit file. You'll find some good general score-improvement tips here.
Understand the benefits of a good credit score
A credit score in the good range may reflect a relatively short credit history marked by good credit management. It may also characterize a longer credit history with a few mistakes along the way, such as occasional late or missed payments, or a tendency toward relatively high credit usage rates.
Late payments (past due 30 days) appear in the credit reports of 33% of people with FICO® Scores of 705.
Lenders see people with scores like yours as solid business prospects. Most lenders are willing to extend credit to borrowers with credit scores in the good range, although they may not offer their very best interest rates, and card issuers may not offer you their most compelling rewards and loyalty bonuses.
Staying the course with your Good credit history
Having a Good FICO® Score makes you pretty typical among American consumers. That's certainly not a bad thing, but with some time and effort, you can increase your score into the Very Good range (740-799) or even the Exceptional range (800-850). Moving in that direction will require understanding of the behaviors that help grow your score, and those that hinder growth:
Late and missed payments are among the most significant influences on your credit score—and they aren't good influences. Lenders want borrowers who pay their bills on time, and statisticians predict that people who have missed payments likelier to default (go 90 days past due without a payment) on debt than those who pay promptly. If you have a history of making late payments (or missing them altogether), you'll do your credit score a big solid by kicking that habit. More than one-third of your score (35%) is influenced by the presence (or absence) of late or missed payments.
Utilization rate, or usage rate, is a technical way of describing how close you are to "maxing out" your credit card accounts. You can measure utilization on an account-by-account basis by dividing each outstanding balance by the card's spending limit, and then multiplying by 100 to get a percentage. Find your total utilization rate by adding up all the balances and dividing by the sum of all the spending limits:
Balance | Spending limit | Utilization rate (%) | |
MasterCard | $1,200 | $4,000 | 30% |
American Express | $3,000 | $10,000 | 30% |
Total | $5,200 | $20,000 | 26% |
Most experts agree that utilization rates in excess of 30%—on individual accounts and all accounts in total—will push credit scores downward. The closer you get to "maxing out" any cards—that is, moving their utilization rates toward 100%—the more you hurt your credit score. Utilization is second only to making timely payments in terms of influence on your credit score; it contributes nearly one-third (30%) of your credit score.
It's old but it's good. All other factors being the same, the longer your credit history, the higher your credit score likely will be. That doesn't help much if your recent credit history is bogged down by late payments or high utilization, and there's little you can do about it if you're a new borrower. But if you manage your credit carefully and keep up with your payments, your credit score will tend to increase over time. Age of credit history is responsible for as much as 15% of your credit score.
New credit activity typically has a short-term negative effect on your credit score. Any time you apply for new credit or take on additional debt, credit-scoring systems determine that you are greater risk of being able to pay your debts. Credit scores typically dip a bit when that happens, but rebound within a few months as long as you keep up with your bills. Because of this factor, it's a good idea to "rest" six months or so between applications for new credit—and to avoid opening new accounts in the months before you plan to apply for a major loan such as a mortgage or an auto loan. New-credit activity can contribute up to 10% of your overall credit score.
A variety of credit accounts promotes credit-score improvements. The FICO® credit scoring system tends to favor individuals with multiple credit accounts, including both revolving credit (accounts such as credit cards that enable you to borrow against a spending limit and make payments of varying amounts each month) and installment loans (e.g., car loans, mortgages and student loans, with set monthly payments and fixed payback periods). Credit mix accounts for about 10% of your credit score.
42% Individuals with a 705 FICO® Score have credit portfolios that include auto loan and 29% have a mortgage loan.
Public records such as bankruptcies do not appear in every credit report, so these entries cannot be compared to other score influences in percentage terms. If one or more is listed on your credit report, it can outweigh all other factors and severely lower your credit score. For example, a bankruptcy can stay on your credit report for 10 years, and may shut you out of access to many types of credit for much or all of that time.
How to build up your credit score
Your FICO® Score is solid, and you have reasonably good odds of qualifying for a wide variety of loans. But if you can improve your credit score and eventually reach the Very Good (740-799) or Exceptional (800-850) credit-score ranges, you may become eligible for better interest rates that can save you thousands of dollars in interest over the life of your loans. Here are few steps you can take to begin boosting your credit scores.
Check your FICO Score® regularly. Tracking your FICO® Score can provide good feedback as you work to build up your score. Recognize that occasional dips in score are par for the course, and watch for steady upward progress as you maintain good credit habits. To automate the process, you may want to consider a credit-monitoring service. You also may want to look into an identity theft-protection service that can flag suspicious activity on your credit reports.
Avoid high credit utilization rates. High credit utilization, or debt usage. Try to keep your utilization across all your accounts below about 30% to avoid lowering your score.
Consumers with good credit scores have an average of 4.7 credit card accounts.
Seek a solid credit mix. No one should take on debt they don't need, but prudent borrowing—in the form of revolving credit and installment loans—can promote good credit scores.
Pay your bills on time. You've heard it before, but there's no better way to boost your credit score, so find a system that works for you and stick with it. Automated tools such as smartphone reminders and automatic bill-payment services work for many, sticky notes and paper calendars, for others. After six months or so, you may find yourself remembering without help. (Keep the system going anyway, just in case.)
Learn more about your credit score
A 705 FICO® Score is Good, but by raising your score into the Very Good range, you could qualify for lower interest rates and better borrowing terms. A great way to get started is to get your free credit report from Experian and check your credit score to find out the specific factors that impact your score the most. Read more about score ranges and what a good credit score is.