tag:blogger.com,1999:blog-73057283529229763452024-02-20T15:10:56.146-08:00TheoryBankchronicles of daily mental diarrheasUnknownnoreply@blogger.comBlogger5125tag:blogger.com,1999:blog-7305728352922976345.post-77604391970204282702010-03-06T23:00:00.000-08:002010-03-06T23:01:10.210-08:00The power of the basicThe power of the basic, I just thought about this today, but has been going on in my mind since some 2 years ago. When I was preparing for my master's comprehensive exam, a certain topic on the disassembling and resassembling of the organization has to take place to create a meaningful mix of business to match structure, vice-versa. <br />
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<a name='more'></a>Often times, after reassembly, the new mix offers little change, some, it is a whole new business. The the former is more common, organizations would always prefer to introduce little and bite-sized change(s) per milestone on their gantt charts. We don't want to get our hands full of unforeseen issues.<br />
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Once, I have observed that when an organization matures, it tends to acquire more businesses to gain market share and consequently beef up its revenue. When the time comes that new management takes over, particularly new CEO's, they then begin selling non-core businesses. From being basic to complicated and back then, guess what, back to basics. It's a cycle. When people - in general - feel that they have so much on their hands that they feel it's too much to handle, they tend to let go what they feel are less important or that which contributes less to their goals.<br />
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Consider the analogy of a closet. A new closet is fine, you find a location and let it stand there, you buy more clothes until its doors or the lid can no longer be closed. We either extend our closet, buy a new one, give them away, or sell them. But we can only fill as much as our property can contain. What happens, we always go back to what the container can contain. As the old adage goes, " Tama lang, walang labis, walang kulang. "<br />
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A certain company turned 40 years sometime last year, the corporation has acquired several businesses in its portfolio - which added some businesses, first to be vertically integrated in their processes, and second some non-core but promising businesses. 3 years ago, they promoted president of one of their divisions to CEO, and his experience was leading the core-business. Under his management, he sold-off non-core businesses, and bought two more companies to compliment their business's portfolio. A year later, they're back into looking for adjacent businesses that can help them build more revenue. I wonder, in the next few years, when all the acquiring and building new businesses reach a complicated level, and new management kicks in, will the cycle repeat itself and go back to the basic business portfolio?<br />
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Are new managers allergic to non-core businesses? Why does old managers keep the same portfolio even if it hurts the balance sheet?Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7305728352922976345.post-66128230142164648242010-03-05T07:45:00.000-08:002010-03-05T07:45:53.907-08:00Status: UnemployedDo you know where the government get the data for the unemployment rate? I personally don't know. I tried the National Statistics Office website and it didn't say anything about how the data was gathered. It just came to me today, while I was in a meeting, and somebody reminded everyone about the Community Tax certificate (CTC) <br />
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Yearly, we are required to file our BIR forms with our Community Tax certificate (CTC) issued by the local government's office of Lapu Lapu. Filing for the CTC isn't a problem at all, especially when I was a student and looking for a job since it was cheap, less than 30 pesos some 7 years ago. But it becomes more expensive if you have an above minimum-wage salary. A peso for every thousand pesos in a year's salary equivalent. For example, if you earn 20,000 a month, that's 240,000 a year, divided by 1,000 is 240 pesos. 240 Pesos for a community tax certificate, and for more than 5 years of honestly paying the CTC and my taxes, I haven't seen a good thing happen in my city. Where I live, has never changed a bit for the better in the last 5 years. What's new? red fancy lamp posts. Prices are going up so as the crime rate. Where'd all those money went?<br />
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A number of people no longer feel obligated to declare their true gross salary in filing for the CTC. When asked, they just say they are unemployed. What if the unemployment rate statistics was based on the number of unemployed status? Do you think we might just be better off with what the statistics show?Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7305728352922976345.post-45553280038064654292010-03-02T21:35:00.000-08:002010-03-02T21:36:06.829-08:00Why the iPad was a disappointmentI was watching Steve Job's keynote for the iPad and it truly bridges the gap between iPhone and the Mac books. But why didn't it wow everybody. It did build up the hype similar to the iPhone, but it didn't create a WOW as much as the iPhone did.<br />
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<a name='more'></a>It also is revolutionary device, taking the ebook reader technology to the next level with better color display, with a full (and even better) functionality of the iPod Touch. But why do we hear numerous frustrations due to the iPad's lack of what their expectations held them to believe the iPad's supposed to deliver.<br />
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Now, consider this, what if the iPad came first before the iPod Touch or the iPhone?<br />
Will the reaction to the iPhone be the same as the iPad?Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-7305728352922976345.post-42571369412509218522010-03-02T21:14:00.000-08:002010-03-02T21:15:36.754-08:00Nokia, Sony-Ericsson, and Motorola Dual-Active SimsWhat if Nokia finally decides to put Dual-Active capability on their phones?<br />
Would you buy them?<br />
What if Sony Ericsson and Motorola follows? Samsung tried. <br />
But what if the big three won't?<br />
My question is, Why not?<br />
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<a name='more'></a>Why do you think Nokia, Sony Ericsson, and Motorola didn't adopt the dual-active capability on their phones?<br />
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Why didn't Samsung dual-active phones didn't sell?Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-7305728352922976345.post-58124608759303966242010-02-28T03:46:00.000-08:002010-02-28T06:03:59.402-08:00Pawnshops in Hospitals, a good idea?What if hospitals have pawnshops inside the building? Wouldn't it be weird? But for a very obvious reason, allow me to enlighten thee. First, it is not uncommon that many of our fellow Filipinos cannot afford a good hospital service. Secondly, these people, to the best of their ability and capacity would do anything they can to afford their loved-ones the best hospital care possible. <br />
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However, having little-to-zero cash, it is almost impossible. Our poor fellows are not necessarily empty-handed. Like many, they also own valuables like jewelries, electronics, transportation, and land titles to name a few. These are assets as well and are commonly accepted in pawnshops in exchange for cash.<br />
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If cockfight stadiums have pawnshops beside ticket booths, why not be more socially responsible and put pawnshops in hospitals? For the lesser fortunate to benefit from such, I suggest there must be some tweaks in the pawn rules to follow. First, zero-to-very low interest rates (relative to existing commercial pawnshops) only. Second, longer and more flexible terms of payment. Third, should cash be available before the pawn due date, a guaranteed discount on interest should be offered. And fourth, most importantly, the pawning process should be seamlessly incorporated to the hospital billing and administration processes. Once an asset is pawned as collateral for a hospital admission, the patient (or the family) will be granted full hospital service related to the patient's admission requirements.<br />
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Imagine yourself, the doctor hands in the prescription, the medicine is available in the pharmacy but you know you don't have enough cash to cover for additional medicines for another week's stay in the hospital. You have nobody to lend you anything, but you have your farm's land title kept deep in the closet. How would you feel if you can just bring your land title in the hospital as collateral?<br />
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What do you readers think? Has this been done before? If not, will this work?Unknownnoreply@blogger.com0