Obstacles To Small Business Usage Of eLearning In Europe

⊆ January 19th, 2008 by admin | ˜ No Comments »

I would like to start my article with a few economic facts which could lay a background for the message I want to get across.The political agenda of making Europe the most competitive global economy by 2010 has not been matched by developments over the past five years. Demographics show that Europe will continue to have a shrinking workforce between now and 2020 with older workers forming the core of the European workforce.Currently 80 million EU citizens are low-skilled. By 2010 it is estimated that half of all additional new jobs on the labour market will require tertiary education and almost 40% upper secondary level. Logically, the job prospects for the low skilled will decline. So we are currently confronted with the situation where half the EU workforce (some 100 people) require upskilling.This in my view cannot take place in the back to the classroom scenario, Learning and upskilling must be integrated in the workplace.These unsettling prospects must also be seen in the current European economic structure. Small and medium-sized enterprises are the European Union. They account for 99% of all businesses; they provide employment for 74 million people.Elearning through the flexibility and facility of access it offers is seen ? at least politically ? as an important enabler of lifelong learning. However, while we can observe an increase use and impact of elearning in large European companies ? up to 60% of the training needs of key players in the ICT sector is now provided by elearning) the uptake in SME?s is at best slow and does not meet initial hopes and expectations.A recent study carried out by Cedefop and the European Commission shows that elearning has had a limited impact on SME?s in terms of those who use it and what it is used for, The use was almost always limited to managers and ICT based staff. The case studies carried out showed that in five European countries there were a number of factors decisive in influencing the development of ICT for learning in SME?s. The most significant were:- the total lack of training culture within the SME- lack of appropriate learning materials- the attitude of individual managers- and lack of access to sufficient bandwidth to ensure high quality training.Broadly speaking and with few exceptions, despite spawning a number of new technology companies and numerous government and European sponsored programme?s the uptake and efficacy of learning using ICT has been less than convincing. The development of learning in Europe has been dominated by the metaphor of the virtual classroom and the virtual university, it has equally been dominated with an obsession with technology and very little attention has been paid to vocational and occupational learning or the development of elearning environments in less formal learning contexts.Like it or not, research suggests today that most learning takes place in every and work social situations, In other words, most of our learning is informal and takes place in a variety of social contexts. Work is carried out in a social context ? this is particularly the case in small and medium-sized enterprises and plays a very important part in people?s lives. If elearning is to make a contribution to changing the traditional learning paradigm ? institution based ? phase and stage related) it must become embedded in the work organisation.The use of ICT in the broad sense for learning is considered a major factor in implementing the paradigm of lifelong learning and in providing staff from SME?s in particular with access to continuing vocational education and training.The main objectives of ICT supported learning should take forward the following objectives:- it should increase access to learning opportunities through increased flexibility of delivery modes and by overcoming geographical barriers to participation,- it should enhance the quality of the learning experience in terms of content and teaching- ultimately it should increase the efficiency of the organisation by reducing costs and increasing productivity.So what are the obstacles to making elearning happen in SME?sFirstly I believe that people are ready to learn when they realise that they don?t know something that they need to know in order to accomplish a goal they wanted to approach. Thus there is little use in a philosophy of one size fits all, To date most elearning has been an attempt to put books on computers interrupted by a multiple choice test, The advocates of elearning have not spent time trying to understand how the new medium changes the educational experience. They are simply trying to replicate what is there now while leaving out some of the important parts such as the teacher. The value of a computer may seem at first to be its ability to deliver information anytime anywhere but its value in education is much more important. When the air flight simulator was invented what was important was not the fact that it could be used in any remote location. It enabled pilots to learn to fly without risk and to accumulate the experience but not be harmed by itToday, to give another example, most university courses are lecture courses. Lectures are evidence of the inertia that exists in education and still reflects ancient educational considerations. ELearning needs to be about learning by doing, also using the computer to evoke simulated experience. One should learn to run a business by running it rather than reading or hearing about how to do it.The emphasis in the elearning industry has changed somewhat over the past five years from a technological to a pedagogical perspective.So first and foremost there must be a broader understanding of what elearning really is and that it impacts largely on how, where, what and how the learner progresses.Secondly, I would return to the issue of the learning culture. What is the motivation of the learner in the SME. Are their incentives ? tangible or intangible for improving his/her competences. ELearning cannot be removed from the whole debate of the learning organisation, of managing human capital and recognising the assets of the company are largely in the heads of its employees. Workplaces need to be designed to facilitate learning and learning infrastructures. This requires examination of what forms of work organisation are needed to support elearning in SME?s and how skills gained from formal and informal learning activities can be applied in the workplace. In this domain current research is weak.The third issue I would touch upon is the question of pedagogies and learning cultures. Work is still outstanding in defining and analysing the training and learning needs of SME?s and of its managers and employees. In an elearning context there is a need to develop effective pedagogies, materials and eresources,Fourthly the issue of elearning materials and infrastructures. We need a much broader understanding of how electronic media and applications can be used to support elearning. This should go hand in hand with an audit of what elearning materials are actually available to SME?s, how does it fit their real learning needs. This would led me on to the issue of localisation of software but that I shall leave aside for the present.Point number five. That elearning is a cheap learning solution is a myth. On average US estimates put costs of one hour elearning instructional material at 20 000 dollars ? in some cases as high as 80 000 dollars. If materials can not be recycled, if learning materials cannot be adapted to specific learning environments, it learning materials have not complied with technical standards, then there use is limited and the return on investment non-existent.And perhaps the last point I wish to make. What about the models and frameworks to support elearning in SME?s. There are growing national and regional initiatives, and here I would point to Scotland as one outstanding example for networking and support to the SME looking for elearning opportunities. For SME?s I believe in terms of financial resources, the most convincing model is one based on learning regions and partnerships.The issue of open standards is essential it elearning is to be a feasible investment = particularly for SME?s. Similarly there is a need for a lifecycle model of learning content covering all aspects of content from creation to delivery storage and retrieval.The issue of the changing role of the trainer or educator is equally important. They potentially play the key role as change agents. Their continuous professional development is essential and work we have carried out at Cedefop shows that there is major concern among teachers and trainers that they are not equipped to support technology in the learning environmentTo conclude, I think I have tried to advocate the view that the issue of how a culture of lifelong learning should be developed and supported in SME?s is a complex one. It is unsure to me if present national and European policies promote access to continuing learning as a pubic right or. a private good, What is the balance between the responsibilities of the public and private sectors regarding elearning. And this raises the vital question of funding. Already there are substantial differences in access to lifelong learning and elearning for different occupational and social groups. This in turn raises the issue of social exclusion.I am afraid that my article raises more questions that provides answers to the issues of elearning in SME?s. But if such issues are not addressed at all levels ? European, national and regional, the promise of elearning as a driver of economic growth and performance in Europe could easily turn into a myth.

Article Source: www.iSnare.com


Make Money Online With Affiliate Programs

⊆ January 19th, 2008 by admin | ˜ No Comments »

If you have wanted to find a way to make money from home without all the hassle of selling products out of your own home yourself, perhaps you should take a look at affiliate programs.Affiliate programs are an excellent way to make money from home. You can substitute sales pages, which are complicated to work with, with content and draw in more people to your website in the process. You do not have to make the actual sale.How Can One Make Money Online With An Affiliate ProgramIt all starts with a web site. People crave content websites. Videos, articles and chat rooms are all different types of great content. Your job is to choose a theme and stick with it. Develop the articles or other content and people will come to it.As said before, with affiliate programs making you money from your online website, you do not have to worry about putting sales pages that would appeal or trying to convince your visitors to go to a website. Your sole concentration is visitors, guests to your website means more people clicking on banner advertisements.Once your website is running, with great content that people are coming to see, you can consider picking an affiliate program to run off your website to earn an income.Connecting with Affiliate Programs that Make You Money OnlineOnce you?ve developed your website, the next step is the affiliate programs.But how do you choose an affiliate program that is right for you? Generally, you?ll want affiliate programs that are in the same vein as your niche website. If you love pineapples and your website was all about pineapples, you wouldn?t put a squash advertisement up, would you?In addition, you also want to look at the affiliate programs to make sure you pick the best deals. If you wouldn?t buy things from the website, why would your customers? Pick a company that you like, but stands a good chance of you making decent money.Figuring Out Which Affiliate Program Works Best To Make You Money OnlineYou might try a few affiliate programs and wonder why you don?t make any money with them. It?s not an easy task trying to get to know what your readers want as far as advertising. Of course, all of them would say they wouldn?t want advertising at all.There are several things to look at when you are displaying your affiliate programs and picking the right ones for the right pages. You don?t want 100 different affiliate programs. If you are looking to make serious money online with your affiliate program, you will need to pick just a small handful to make this work.Set up your content pages and place your advertising around and below your pages. One or two adverts per page should be enough. If you bombard you visitors with ads, they?ll go elsewhere for content.Try picking affiliate programs that offer a free trial. These work well when you are first starting out as it concentrates your efforts into giving away free stuff. Free is easier to sell these days.All in all, use your own best judgment. If something doesn?t look to be making money, drop it and swap for a different. Try new things and see what works best.

Article Source: www.iSnare.com


Make Money Working At Home

⊆ January 19th, 2008 by admin | ˜ No Comments »

Is it really all that impossible to make money working at home? You won?t believe how some people are actually making more money working from home than they ever could working at a job. How are these people making the kind of money you want?Working From Home and Making Money?This is an unusual idea but it works. How much effort do you put into your job right now? If this were your own business, wouldn?t you put in more effort? Because of this want to work on your own, you?ll work harder from home and make more money by your efforts.You control your destiny. Are you willing to change it?It takes one step to get started and that step is information. Where do you find information to help you get started?Picking a Work From Home Business That Will Make You MoneyGet started today and see the difference in your life. Remember to carefully consider your competition or the business you begin and make sure it will be something you?ll want to keep doing down the road. Will you be happy with it in 5 ? 10 years? Will you get tired of it?A good home business that will make money while you work from home will be one you?ll be involved with for years. You?ll need to find one that will fit the lifestyle you imagine for yourself and know enough about your business to be able to become a leader.Make Money Working At Home SecretsIf you want to make money working at home, you?ll need to figure out how other people are doing this. Where do you start? By looking at people who are already successful.Start by finding a business you admire or visit often. Perhaps you can find one that you know is making the sort of money you desire. The best way to make money like that is to mimic what the other person does to make money working at home.By this I don?t mean copy everything that your admired is doing. This wouldn?t be very fair, right? By mimicking your competition, you are simply taking his idea, improving it and changing it just enough to call it your own. Every business does this so don?t feel guilty about it. Once you know who to mimic and how to get started, the next step is?Taking Action To Make Money Working From HomeYou won?t believe me now but once people have a plan to mimic, they often stop at that point. It always stays a plan and it never moves forward.If you can take that first action step, imagine how different your life would be! Don?t let fear or intimidation stop you from finding success. If you can just take that first step, you?ll be that much closer to your goal. So why shy away from an opportunity? It often doesn?t take a lot of money or effort to start making money working from home. It?s a good knowledge and taking the action steps to get there.

Article Source: www.iSnare.com


Short Sale Success Secrets With Foreclosures

⊆ January 19th, 2008 by admin | ˜ No Comments »

If you?re active in real estate investing, you may already realize one of the biggest issues real estate investors face: Finding Great Deals.FORECLOSURES AT A 52-YEAR HIGHWith foreclosures at a 52-year high, there are thousands of deals available on the market, if you know where to find them and how to secure them. The first challenge you’ll face once you locate the property is that most of these homeowners are mortgaged to the hilt. They have no equity, and big loan payments. In fact, many actually owe more than the property is worth!Most investors will walk away from these deals because they see no obvious profit. That’s because they don’t know about the Short Sale.WHAT IS A SHORT SALE?The concept behind the short sale is simple: your goal as a real estate investor is to convince the bank to sell for less that is owed as payment in full. Of course, this concept is easy ? buy the foreclosure from the bank at a big discount, sell the real estate, and make money! So how does it work?SUCCESS WITH SHORT SALES CAN BE ACCOMPLISHED IN THE FOLLOWING STEPS:Step 1: Do your research.Many new real estate investors make the mistake of waiting until some subscription service sends you the list. The disadvantage is that a ton of other investors are also getting the list. If your first contact is to send a letter, forget it. Your letter will be lost in the huge pile the homeowner is getting from all sorts of other investors, credit repair etc. 99% of the time these go directly into the trash or a big basket unread. If you go directly to their door you’ve got a chance.So if you’re going to mail, be the first to act when the default notices are printed in the local newspaper. Or be the first at your courthouse, if that’s where they’re filed first. The key to finding investment-worthy properties is to act quickly. Be disciplined and mail out the letters the very same day?in fact take them to the post office. In this business, the early bird really does catch the worm.Tip for Success: If you don?t have a company that publishes your notices of default, check with local title companies or bankruptcy attorneys to see if they offer these services; you need somebody familiar with the subject that visits the courthouse often.Step 2: Develop your marketing strategy.When you have located foreclosures, make sure your timing is swift. Mail your initial letters of approach to the homeowner the same day you discover the property. Placing ads in your local papers also helps to generate leads and find homeowners eager to avoid the credit penalties involved with foreclosing.Tip for Success: A typical advertisement strategy taught in real estate training is to get listed in real estate or credit section of the classifieds. These ads typically have a bold, to the point headline, such as ?Avoid Foreclosure? or ?Stop Foreclosure, Today!? If you are targeting a specific property type, or reaching for higher market values, specify this in your ad. (Instead of simply ?Avoid Foreclosure,? add your target market to the bottom of the ad. Example: ?Avoid Foreclosure, call 1-800-555-1212. 500K and up.? You?ll make more money in real estate by reaching for high-value properties, and an ad like this shows your prospects that you specialize in helping those with higher value homes avoid foreclosure.Step 3: Work with the homeowner.You can?t get anywhere without the cooperation, and often gratitude, of the homeowner. The homeowner you are working with has obviously run out of options, but you?ll need their trust and confidence if you plan to short sale mortgages. Remember, in these situations, you are often looked at as the ?rescuer?. Make sure you explain the homeowner?s part in the process thoroughly. Once they deiced to allow you to work with them, there is important paperwork you need them to fill out and sign:1. an ?Authorization to Release? form that gives you permission to contact the lenders and the foreclosing attorneys.2. a sales contract ? signed but leave the purchase price blank. You may need to change the numbers as you negotiate with the bank3. a financial statement ? to show they can’t afford to make the payments4. a hardship letter ? to explain in personal terms what happened.Tip for Success: Remember that this is a stressful time for the homeowner. It?s easy to get caught in the excitement of a prospective short sale profit. You can get them to make a decision when you are able to convince them that this is the right option for them Emphasize the benefits of working with you, and then ask for them to take action. Make sure to let them know that once your contract is signed, and the bank accepts it; they?ll be free to move on with their life.Step 4: Negotiate with the bank.Although banks don?t enjoy taking a loss, it is a simple fact of the lending business that short sales are a necessary evil for lenders. Indeed owning the property (a non-performing asset) is even more expensive than selling it for a loss. Consider:Banks use short sales to drop unwanted property quickly without having to deal with the REO office and go through the long process of putting the home back on the market. When you speak with the Loss Mitigation department, remember, this property is actually costing them money! Federal regulations require somewhere between $300,000 and $800,000 (or more!) to be held in reserve by lenders, which is many times over the actual price of the bad debt.When you call the bank and ask for the Loss Mitigation Department (the department that handles properties that are in foreclosure) tell the person handling the account that you are trying to help Mr. X with his foreclosure and you are willing to buy the property from him, but due to the condition of the property/declining values/etc. you are only willing to pay X amount. This is where your negotiations begin.Be firm and polite, but don?t ever make threats to not buy or be forceful in your approach. Loss mitigators are often busy and overworked, and they want to see you as somebody who is minimizing the damage ? and hassle ? of the bad debt.Tip for Success: Larger banks are the easiest to deal with when working with short sales and foreclosures. This is because the larger banks have more resource, more experience, and more loans! While there are some larger banks that don?t work with short sales at all, other banks, such as Wells Fargo or Fairbanks Capital, tend to work with a much larger volume of short sales.Once you have worked with enough short sales, you?ll find that you have inside contacts at some of the larger banks; be friendly, ask them about their day, Develop a rapport. Sometimes, they?ll open up about problems they?re facing or current trends, which of course, you?ll need to keep on top of!You don?t have to be a real estate pro to see the potential for making money with short sales, and now you definitely have some great tools to get started. Great deals in real estate are out there, and with today?s market, your potential for profit is limitless. Just keep in mind: do your research, market your services, and treat the homeowners and lenders with respect. When you use this approach with short sales, you can make a win-win for everybody, especially the officers at your own bank when you cash in on your profit!In the next article, we’ll discuss the tricks and tips in convincing the bank to take a big discount on the short sale.Best of Success,Richard Odessey

Article Source: www.iSnare.com


Hello world!

⊆ January 19th, 2008 by admin | ˜ 1 Comment »

Welcome to Actualblog.net. This is your first post. Edit or delete it, then start blogging!