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Waiting for a Pullback!
The past week in gold, silver, oil, natural gas and the broad market wasn’t anything to write home about. We are seeing controlled profit taking which is making the market choppy. Many traders are getting very bearish on the market which is a good thing in my opinion. According to my market internals, sentiment and volume analysis we should get a shake out (sharp dip) which would make traders exit their positions before the market continues higher.

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Customer Service
The Golden Rule, "do unto others as you would have them do unto you," may seem self-evident in the way we try to conduct our personal lives. Yet this axiom is assuming new importance as a guiding principle in the world of business. The climate of the recession-ridden early 1980s, when customers blithely traded away high-quality service in exchange for price reductions or convenience, is no more. Instead, customers are demanding service again. Companies of all sizes are realizing that their strongest selling point can sometimes boil down to treating customers as they would like to be treated - or better. "Consumers are beginning to feel that their needs haven't been met," explains Bonnie Jansen of the U.S. Office of Consumer Affairs. "They're sick of getting poor service all the time."

Meetings, Bloody Meetings
Just recently I found myself committed to helping on a fund-raiser. I dutifully attended the meeting with a presentation offering nearly twenty creative ways to market the fund raising event. I was prepared for the meeting, but I wasn’t prepared for the chaos.

Why Hosted Exchange Makes Sense for Small Businesses
A Microsoft Exchange solution is rapidly becoming a must-have for any business, allowing easy communication and collaboration. But smaller businesses hit a roadblock when they see the costs of having an in-house exchange server. If you own a small business that could benefit from increased efficiency and workforce productivity, Hosted Exchange may be the perfect solution.

AfriCap Microfinance Fund Attracts Notable Investors Including Nordic MicroCap, BlueOrchard and Gray Ghost, Raises Capital to $50m
AfriCap Microfinance Fund, established in 2001 as the first African private equity fund dedicated to the microfinance industry, has closed a second round of investment, raising its capital from USD 14 million (Sh 910 million) to USD 50 million (Sh 3.25 billion).

Nigerian Government Creates $426m Microcredit Development Fund
Nigerian President Alhaji Musa Yar’Adua announced the creation of an N50 billion (the equivalent of over USD 426 million) microcredit development fund to be administered by the Central Bank of Nigeria (CBN). The new fund will be used to provide existing microfinance institutions (MFIs) with funding for credit creation and operational expenses.

Old Mutual and South Africa’s Department of Trade and Industry (DTI) Launch USD 12.9M Microfinance Initiative, Isivande Women’s Fund (IWF)
The Department of Trade and Industry of South Africa (previously reported) has teamed with Old Mutual Group’s Masisizane Fund to launch the Isivande Women’s Fund (IWF), financing women-run enterprises in the country.

Old Mutual and South Africa’s Department of Trade and Industry (DTI) Launch $12.9m Microfinance Initiative, Isivande Women’s Fund (IWF)
The Department of Trade and Industry of South Africa has teamed with Old Mutual Group’s Masisizane Fund to launch the Isivande Women’s Fund (IWF), financing women-run enterprises in the country. The new fund is the result of a 2006 study conducted by the DTI’s Gender and Women Empowerment Unit, the International Finance Corporation (IFC), and FinMark. The study found that although women are more responsible managers of credit than men, they only receive 30 percent of loans, with black women receiving the least funding.

The History of Business Cards: Four Centuries of Introductions
Today business cards are so ubiquitous that in some countries they are traded with no formality or consequence, serving as nothing more than an internationally recognized way to exchange contact information or a handy bit of paper on which to jot a note. In other nations, however, particularly in Asia, the cards are regarded as an extension of the individual to be treated with honor and respect. The exchange of cards is attended with great ritual and a breech of protocol can give serious offense. How did a simple card, 3.370 x 2.125 inches come to play such a central role in the business cultural of the world? Depending on the sources consulted, the cards may actually have originated in China in the 15th century.

Job Exchange Programs- A Different Spin On Employee Development
A job exchange program works much like a foreign student exchange program. An employee basically switches to another group, department, city, or any other division in the company. There, the employee is "hosted" by the receiving office and gains exposure to the culture, employees, and clients of that office. It can be a situation where two employees truly "exchange" positions for a set period of time.

The Currency Transaction Levy: An innovative source of SMEs financing
James Tobin (Nobel Memorial Prize in Economic Sciences in 1981) was widely known for his suggestion of a tax on foreign exchange transactions, now known as the "Tobin tax". This was designed to reduce speculation in the international currency markets, which he saw as dangerous and unproductive. He suggested that the proceeds of the tax could be used to fund projects for the benefit of Third World countries, or to support the United Nations. James Tobin and other economists, e.g. David Felix, Rodney Schmidt, Paul Bernd Spahn have examined the possibility of levying a charge on international monetary transactions as a means to reduce exchange rate volatility and promote international economic stabilit

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