Federal Small Business Loans Grants Government
Poor Nations Lose in Watered-down Un Document
Diplomats at the United Nations finally reached agreement last night on a watered-down document to reform the organisation and tackle poverty just hours before leaders arrived for the start of a world summit.
This final draft, to be presented to the leaders for publication on Friday, fell far short of ambitious proposals for an overhaul of the UN which was set out earlier this year by Kofi Annan, the secretary general.
Development campaigners expressed disappointment at the lack of progress on aid, debt and, particularly, trade. Ambassadors at the UN, who have been engaged in tortuous negotiations for weeks, made one final push yesterday to find consensus but soon abandoned the attempt.
Instead, Jean Ping, Gabon’s ambassador to the UN and president of the general assembly, unilaterally removed all the remaining points of contention, leaving in place a bland final draft. It is far removed from the original plan to reform the UN to meet the challenges of the 21st century. The general assembly voted in favour of the final draft, which is unlikely to be changed between now and Friday.
About 149 leaders are scheduled to attend the summit, which would make it the biggest-ever world gathering. The general assembly will be addressed by George Bush this morning, and Tony Blair this evening.
Campaigners and diplomats who favoured a bold approach put much of the blame for the failure on John Bolton, the US ambassador to the UN, who introduced hundreds of late changes to the original document.
Mr Bolton said he was pleased with the final draft: “This is not the alpha and omega and we never thought it would be.”
The US ambassador, who had argued that UN reform was too important to be done in a rush, said: “It was only ever going to be the first step.”
Oxfam described the development section of the final draft as a “recycling of old pledges”. Save the Children said the chance of a historic breakthrough on poverty “had all but slipped through the fingers of world leaders”.
The final draft document shows progress has been made during negotiations on intervention to prevent genocide, but limited progress on the creation of two UN bodies, a human rights council and a peace-building commission. There is no new money for aid or debt relief, and the language on fair trade has been weakened. Nor has there been movement on climate change, arms proliferation or expansion of the security council.
The negotiations have been caught in a squeeze between Mr Bolton, and a group of countries that one diplomat referred to as “the awkward squad”, which includes Pakistan, Egypt, Sudan, the Palestinian Authority, Syria, Cuba and Venezuela.
Mr Blair, who will meet Mr Bush this morning, is worried that progress made at the G8 meeting at Gleneagles in July on aid and debt may end up being reversed.
The prime minister believes elections in Germany and Japan, together with the impact of Hurricane Katrina in the US, may make it more difficult to persuade G8 members to make good on their promises and to widen the Gleneagles agreement to other rich countries.
Although some development campaigners have criticised the government for exaggerating the success of the Gleneagles deal, Mr Blair believes he pushed the G8 as far as possible. A Downing Street source said: “We always said Gleneagles was just a beginning and it is going to take quite a fight to build on it. There is the risk of a backlash.”
Obama Defeat Would Advance a Lame
U.S. voters elect 435 House of Representatives, 37 senators and most of the governor, state senators and representatives and state department heads. The Democratic Party suffered defeat, losing the House majority, could barely more than half of the Senate. 37 seats in the Senate election, the Republican Party swept 23 seats, the Democratic Party had only 10 seats, along with their original 38 seats with no election, and two independent members of the Democratic Party tend to stand, the Democratic Party barely continue to control the Senate. House of Representatives, the Republicans also made big gains ahead. Gubernatorial elections, almost dominated by the Republican Party, according to the latest statistics, the hands of Republicans from the Democrats, more grab a seat on the governor, is central Iowa, a total of nine states sweeping changes. Democrats can only seat in the California governor, take it over from the hands of rivals.
Power two years later, Obama will have become the “lame president?” The answer is not necessarily.
Peculiar American political reality is that most of the opposition parties control Congress, but will the president’s policy position. Prior to the Democratic Party hold for both administrative and legislative initiative, and must shoulder the ultimate responsibility for the problems. Thereafter, but no longer have such a burden. President Truman in 1948, the Democratic Party is not high reputation, but also face the Republican controlled Congress, he has skillfully portrayed the Republican Party to impede progress, and then win the election. By 1994, Clinton is also a mid-term election defeat, out of the entanglement of the liberal forces within the party, so that the policy more flexible. The Democratic Party was defeated in this election, but will help the Obama campaign for re-election. If the Republicans win the House and Senate, Obama Mashun Li will raise the chances of re-election. If the Democrats hold both houses of Congress will be hovering around Obama, the relative compression of his room for this.
Since Barack Obama became president, so far, has been gradually pushed the United States similar to the European-style socialism: its purpose is to expand the jurisdiction of the people the government authority, especially in health care, education, social security benefits, the uneven distribution of rich or poor, large nationalization of enterprises, protection of labor rights and other fields, the government is duty-bound, should spare no effort to monitor people’s normal life. But we all know, the United States over the past century the country strong and rich people is built on top of the free economic doctrine: the point is that government authority should be limited to the jurisdiction of national defense, foreign affairs, infrastructure construction, natural disasters relief, maintenance of environmental protection, health care and other areas to promote . In addition, allowing the free development of all. Today, freedom of the people are gradually being convinced that development of American socialism, Obama and the Democratic Party control of Congress to erode. Look at them after taking office, has done to change the future direction of the U.S. generous? Regardless of the opposition Republican Party and the majority of the public, Congress and the President signed forced through the health insurance reform bill, forcing the size of trade and industry and the general government to join the direct supervision of the national medical insurance schemes; to increase the rich, middle class and the size of the industrial and commercial tax rate; strengthening supervision of the financial sector and the lessons to special tax; into a lot of money to save the collapse of the crisis, General Motors Corporation; implementation of the $ 800,000,000,000 plan to revive the economy, but the return rate of no gain, so far the economy remains depressed. National unemployment rate has been high, abnormal slow economic recovery, and even further into the possible economic depression. Obama the above measures, and it would cost the state finance 1 trillion U.S. dollars without any income at all. Now, the U.S. Treasury has long been empty, all of the 1 trillion U.S. dollars and the mad from the issue of government bonds by printing money, the result is that future generations are more heavily back the bonds. Even worse, discontent everywhere, requiring the expenditure of government debt crunch, by repealing the Obama health insurance reform bill, continue to back Bush’s tax cut bill and a free economy such as the voice of Marxism, resounding. Republicans called for under the banner of the size of industrial and commercial sectors, the financial sector and state voters have joined the anti-Obama camp.
United States Constitution gives the Congress the right to control the national purse. If Congress does not grant this, Obama can not implement their own health insurance reform bill. Mid-term elections will determine the country toward the future: to continue to move towards American-style socialism, Marxism, or return to the embrace of the free economy? Its importance, nature is a glance.
Obama recently said he expected after the election, it can be compared with the Republican Party to establish relations of cooperation. He said: After the election, Republicans may consciously heavier responsibilities.
If the president can give full play to the hands of administrative resources, Obama is still promising. He can for the economy, energy, education and other topics, try to compromise with the Republican Party, or can be labeled as the other constraints of the opposition everywhere, as Bill Clinton 15 years ago the then House Speaker Gingrich treatment.
After November 2, Obama must learn to deal with the situation on Capitol Hill: Obama will have to further ventured alone, into the Republican “instigation” some members “defection” to make their own medical and financial push reform bill was Republican controlled House passed. This will be a difficult task, since Obama took office, the Republican members of Congress on the Democratic president has adopted a “lack of cooperation” attitude; Unless a miracle happens, Obama deadlocked or otherwise entangled the two parties being more likely.
The Democratic Party lost the midterm congressional elections, Obama would face possible “lame duck” fate, but he can choose not to “lame duck” sworn promises to restore the “inter-party cooperation.” For Obama and Democratic Party, lost the opportunity to reverse the mid-term elections there, but how to achieve the unity of ideal and reality, to re-capture voters trust the next two years is the biggest problem.
Obama Business Grants
Taking a leaf out of the Keynesian economics, which calls for more government and public spending to stabilize the economy, the Obama government came out with a stimulus package. The US congress signed a 787 billion dollar relief package to give a new impetus to the economy. The American Recovery and Reinvestment Act of 2009 (ARRA) earmarked 275 billion dollars for grants, loans and contracts. These funds came to be known as Obama business grants and are planned to be spent over a span of ten years. A major chunk of the 275 billion dollars is scheduled to be spent over the first 3 years.
Federal business grants are mostly given to state governments, non-profit organizations (NPOs) and businesses working towards the benefit of the community. It is a common misconception that the government grants are for individuals who are looking to start new profit making ventures. These government grants will help create new employment opportunities and work towards community development projects. The funds made available through these will play a part in the national debt relief program.
Government Grants for Businesses
The Catalog of Federal Domestic Assistant (CFDA) website has details about the government grants and the application procedure. You can also track the status of your grant application online on the government grants website. The US Small Business Administration (SBA) gives out government contracts to help small businesses across America. The US government has also established the Office of Departmental Grants Management and Oversight (ODGMO) which streamlines the grant processes.
Non-profit organizations working towards community development projects can apply for government grants. Some of the projects that get grants are child day care centers which allow working women to leave their children in expert care. President Obama is seeking 50 million dollars from the US congress as seed capital for non-profit organizations to expand some of the rewarding social innovation projects.
Recognizing the need to empower women entrepreneurs, Obama business grants for women are helping women owned small businesses get government contracts. The SBA website has details about government contracts for Women Owned Small Businesses (WOSBs) and Economically Disadvantaged Women Owned Small Businesses (EDWOSBs). Obama grants for small business have helped many entrepreneurs across America.
Under the Obama business grants program, the government has set aside 2 billion dollars to stabilize neighborhoods. The US Housing and Urban Development (HUD) will run the neighborhood stabilization program (NSP). The NSP will give grants to property developers committed towards rebuilding communities, by acquiring land and property to be redeveloped. The HUD also gives home improvement grants to people from low income groups to improve their living conditions.
One of the areas that the government is concentrating on are organizations working towards energy efficiency solutions. The administration has set aside 2.4 billion dollars as part of the small business financing for manufacturers of electric vehicles, batteries and components in America. Large vehicle manufacturers like Ford, GM, etc., will also receive government grants to manufacture electric vehicles. This way the government also hopes to generate thousands of new jobs as part of the Obama debt relief grants.
The government is spending large sums of money to help develop the rural community by giving grants for projects like broadband connectivity. The project will help local farmers attract new business and compete in the global market place. The government has set aside 61 million dollars in grant money for projects like rural microentrepreneur assistance program, value added producer grants, grants for minority producers.
Obama business grants will also benefit infrastructure contractors under the ARRA nearly 30 billion dollars to improve infrastructure in the communities. These grants have helped create jobs and improve customer spending which in turn is expected to play a part in the economic revival.
Tips On Getting A Scholarship
Not all of us is aware of the process you have to follow in order to get a scholarship and in their confusion many parents or significant others simply fail to save on thousands of dollars spent on the education of their children. Financial aid like scholarships and grants are basically money gifted to students or pupils to help them get through college or university and can be in various forms. They are different from student loans in the sense that they don’t have to be paid back.
This kind of education financing can be paid either directly to the student or paid to the university or college to make up for the fees. Several agencies award scholarships including government, clubs, charities, businesses, schools and even cooperative organization. Parents and students should be aware it is not only the top performing students who are eligible for a scholarship. As a matter of fact, almost every student can get scholarships depending on his or her abilities.
Another misconception about this way to finance your education is it is available only to high school students who are seeking admission in college. Fact is such financial grants are available to all levels of college or university studies, right from freshman years to graduates and even PhD students.
Scholarships can be applied for on a variety of reasons right from your abilities to your following a certain religion. The range of this study financing option available include athletic scholarships, scholarships for students in a particular field of study or even scholarships for students living or studying in a particular city or state. The sources for scholarships are also literally unlimited – even a simple internet search would reveal numerous sources.
To get the scholarship you want you need to do some grunt work first. The first step is to take the initiative and apply for it. Look for scholarship grants where their criteria match your position and after you find them, contact the provider and ask for an application form. Many scholarship providers allow you to download their application forms from their website while others require you to send a self-addressed stamped envelope.
Be careful to follow all the deadlines set by the scholarship providers – for filling in and submitting the forms, providing all your necessary documentation and appearing for an interview if they call you for one. Be organized in your scholarship applications – keep all necessary documents including reference and recommendation letters as well as course transcripts ready at hand so that you don’t need to run around for them at the last minute.
Always make copies of all your completed applications before submitting them and file them properly with all necessary details for easy reference. If your mail copy is lost by accident, you can always send in a follow up copy from the one you made. Last but not least, stay positive about yourself and your chances of getting a scholarship. The hard work you put in and the time you spent towards searching for scholarships will definitely bring you decent results.
Scholarship Opportunity For All
There are thousands upon thousands of scholarships and institutions dedicated to give free education for all. The question however is: “With countless scholarships opportunities up for grab, are there enough for all?”
With is question at hand, let us look at several types of scholarship opportunities that would somehow give us the final view that there are enough scholarship opportunities for all.
Academic scholarship
The most popular type of scholarship grant is the academic scholarship. Here, applicants must be eligible to keep up with the academic requirements of the sponsor. Most applicants who take this type of scholarship can either be highly proficient in academics or an average person so long as grades can be maintained.
Athletic scholarship
Next to academic scholarship, the athletic scholarship is the second most popular type of scholarship that is up for grab. Applicants of athletic scholarship are usually chosen but it is still open for all. The opportunities here are endless since there are several types of activities you might be proficient with that would fall to athletic scholarship. However, since there are many athletes would want to finish college through athletic scholarship, there is a fierce competition between applicants.
Colleges and universities give both the academic and athletic scholarships but there are other institutions that give these types of scholarships.
Institutional scholarships
Here, the sponsors are groups or institutions who willingly devote themselves in providing students with the opportunities to finish college without worrying about the finances. Institutions can have their special groups to answer. There are institutions that grant scholarships to Hispanics, African-Americans, minorities, women, disabled, and Native Americans. There are also institutions that provide free education on a specific field such as Nursing, Engineering, Medicine, Law, Business, and Sciences among others.
Institutions would also refer to religious groups that could provide free education to their members who qualify for the grant. It would also include large corporations that stretch their services in providing students with free education. This does not stop here, after finishing a degree, the scholars will surely get an immediate job under the same company that gave then their free education.
Institutions can also include local governments. Like large corporations, becoming a local government scholarship would provide you an immediate job soon after you finish the degree.
Institutions would also include unions that provide free educational opportunities to children of their members.
All these could give each scholarship seeking every chance to get free education. The task, however, is to make sure that you get the right scholarship suited to your need.
Subprime Mortgage is a Specialist Mortgage Product For People With Bad Credit History
If you have recently applied for a mortgage and found yourself on the rejection pile due to bankruptcy or a bad credit history, then you may find a subprime mortgage would be the one for you. A subprime mortgage loan is a mortgage that is specifically designed for people who are denied prime or standard mortgages by traditional or hard money lenders. A subprime mortgage may be suitable for people who have a poor credit rating or have difficulty proving a regular, reliable income. One of the important aspects that you may have to pay attention to is the interest rate: if it is higher than the market level, it is not a good sign. Moreover, if the level of your mortgage rate is in the 15% range and the offered interest rate is around 5%, then you could possibly be facing a subprime mortgage. Understanding a subprime mortgage and the benefits which it may offer your situation may aide you in obtaining a mortgage.
More and more people seem to need sub prime mortgages these days. This is probably because many people do not meet high street lenders’ criteria for mortgage loans. With most high street lenders, you have to have a near perfect credit report, be employed and be able to prove income, have a consistent address and credit history and show other signs of financial stability. These people benefit from the best interest rates, while rates for sub prime mortgages tend to be higher. However, not everyone has had the perfect circumstances and this is why subprime mortgages have become so important. There are several reasons why people might need sub prime mortgages. Sub prime mortgages are important for people who have had County Court Judgments (CCJs) against them. CCJs are all too easy to get in these days of rising debt. It only takes a small unpaid debt for a company to petition the court to enter a judgment against you. This means that the company has some guarantee that they will be paid. However, it does nothing at all to help your credit rating. There are several other reasons why people may need subprime mortgages. If you become ill or lose a job and are unable to make mortgage payments, then the arrears or defaults will appear on your credit record. Many people find themselves experiencing financial difficulty in the wake of relationship breakdown and may find that they just can’t make all the payments they need to make. Eventually, they may resort to sub prime mortgages to get their finances straight again.
Prime mortgages, or standard mortgages, are offered to people with good credit history. They have reasonably low fixed or variable rates of interest and few penalty clauses. A subprime loan will have a slightly higher rate of interest than a prime mortgage and may also carry some penalties for early repayment or for default. The two products are different because lenders feel they are taking a bigger risk lending money to someone who already has a bad credit history. Of course, some people may not be in financial difficulty, but may still need subprime mortgages. Many self employed people are in this category, because it can be difficult for them to prove income. They may go for a self certification mortgage, which is another of the terms for subprime loan. People who have lived out of the country may not appear on the electoral roll. Without a proven address, they may have no choice but to opt for subprime mortgages. The good news is that subprime mortgages can be used for credit repair, which means you could soon be eligible for another type of mortgage.
Unsecured Personal Loans – When You Are Your Guarantor And Not Your Home
Sustainable development is at the heart of every human dream. You work hard every day and you grow emotionally and financially every day. Yet you find that you are still short of money when you want to buy something. There are smart ways to fill in for this financial gap. These are called personal loans. There is one personal loan for every occasion. Yes, even if you have no security to offer. There is a name for this smart borrowing method – unsecured personal loans.
Not everybody is easy with placing his home or any other dear possession for taking loans. This is highly understandable. The worst case scenario with secured personal loans is like repossession of home or property. May be it is just a possibility but still it is a possibility. If you do not want to comply with such a demand, unsecured personal loans are the ideal choice. If you are tenant then you won’t find a better and a more deserving way to borrow money than unsecured personal loans!
Well, if unsecured personal loans don’t ask for security, what do they ask for? Since loans are a profit making business what does the lender have in for him? Well that would be – interest rates. Interest rates for unsecured personal loans are higher. But that does not mean that unsecured personal loans are expensive and out of reach of any regular borrower. Interest rates for unsecured personal loans are relatively higher than secured personal loans.
Interest rates for unsecured personal loans are well defined by banks and other lending institutions. Lenders may still find that they are not offered advertised interest rates for unsecured personal loans. Interest rates on loans are a very ‘personal’ thing. This implies that rates are dependent on some factors. Scoring well on these factors will mean getting better rates.
Credit ratings are a very good way to get better interest rates with unsecured personal loans. Since you are not placing any security, your credit rating will be a picture of your credit worthiness. Find out your credit score before you apply for unsecured personal loans. Unsecured personal loans are possible for those with bad credit history like late payments, arrears, CCJs, bankruptcy etc. It is not that you won’t find unsecured personal loans for bad history; it is just that the accountability is in terms of interest rates.
Fixed or variable interest rates for unsecured personal loans are available. Interest rates are vulnerable grounds to tread on for both borrower and lender. They can make or break the loan lending decision for any borrower. Since borrowing market is basically consumer oriented, the choices for unsecured personal loans are many. In other terms it means – competition. Competition reduces interest rates and you may find better interest rates for your particular condition.
To find better rates for unsecured personal loans you would have to look through the internet. You will see extensive loan sites which offer unsecured personal loans. The loan amount that you qualify for with unsecured personal loans is £500-£25,000. Repayment term will be 6 months to 10 years. Unsecured personal loans can solve any kind of financial problem like holiday, home improvement, debt consolidation, wedding, car or whatever that shows up your doorway.
Unsecured personal loans at the end of the day are loans. It will have to be paid back. Though the lender cannot claim your property if you fail to repay but he can still legally claim his money through any civil procedure which will ultimately mean risking your home. Unsecured personal loans on which you have faltered will show in your credit ratings.
Unsecured loans take lesser time for approval. There is no collateral that has to be reviewed for approval. But before you apply have you reviewed the checklist. No?? Check for pre payment penalties, interest rate, loan term, reputation of lender, your credit rating. What else? Read, gather information, do whatever it takes to find a good unsecured personal loan. Just remember – there are ways to smart living and they don’t always ask for guarantee.
Stimulate Your Small Business with Obama’s Stimulus Package
If you have been struggling with trying to stay in business, youre not alone. The slow economy has been responsible for affecting the lives of millions, for the US and everywhere else. Americans President Obama has seen what homeowners, companies, and consumers are going through, and put forth a $787 billion stimulus in February of 2009 to promote economic growth.
Among those who are pegged to receive assistance through funding and the addition of jobs include scientific research groups, schools, energy programs, Medicaid, and contractors. But what about small business owners? Are you eligible? How do you go about the application process?
The good news is that since everyone is facing financial strains, the Stimulus has a program that targets small businesses. Receiving assistance can make the difference in having your company rise above to the level of bigger corporations with whom you might have been finding difficult to compete. Heres what you can do to benefit from the Stimulus:
The Small Business Administration (SBA) has come up with a way for you to be guaranteed for up to a $35,000 loan without having to pay for it for up to 12 months. They have $426,000,000 in government funding to use toward helping small businesses like yours, so that it keep you from losing your company.
Have high interest rates kept you from obtaining a loan in the past? You no longer have to worry about that. Under the Stimulus, you are able to refinance a small business loan of up to $10,000,000 if it was issued before the Stimulus went into affect.
Did you know that you can increase your companys private capital or investments from 300% or $15 million, depending on the lesser amount, to 300% or $150 million as the maximum? This will enable your business to become established in the marketplace and local community, so that you can continue to grow your business using Stimulus money for marketing, professional development, or applying the funds to areas of your company that need it most.
Discover important tips and facts regarding Obama’s recent stimulus package. Find out if you qualify at: Obama’s Stimulus Package.
President Obama’s Stimulus Package – Making Credit Available for Small Businesses
One thing is true in this economy: small businesses and entrepreneurs must survive in order for the economy to pull out of this tailspin. Part of Obamas stimulus package pledges to do just that. The government is buying up to $15 billion in Small Business Administration securities. This will guarantee up to 90% of the loan program and do away with the high fees associated with borrowing.
In addition to these loans from the SBA, Obama has asked that banks be more generous in their lending practices to small businesses. He would like to see these loans increase and has asked that all such activity be reported.
Along with the budget increase, the Small Business Administration has several other programs that the Stimulus Package will help fund. These are The ARC Loan, “Goodwill” loan program, Patriot Express program to veterans and other loan incentives. All of these programs are designed to reduce the stress on businesses that may already be struggling with lagging sales.
The Recovery Act will serve to help businesses expand or may even provide the direct assistance needed for those who are willing to take a gamble that things are on the mend. Because there may be other schemes out there that seek to entice the business owner, he or she should take the utmost care to be sure that they are dealing directly with these agencies. There is no middleman involved if it is truly from the government, nor are there upfront fees assessed.
Before you do anything as a small business owner, contact the SBA. Have a good business plan developed. You will want to include a marketing plan and financial management plan. Also, put in a forecast for projected sales and earnings.
President Obama wants the small businesses and entrepreneurs to be successful. He would like to see the SBA operate with more discretionary freedom and less red tape. However, as with all change, sometimes the wheels may move slowly and it is likely that these benefits will happen overnight. But if you are thinking about starting up your own business, keep an eye out for new programs and benefits. They are bound to come up.
For tips and facts about how you can benefit from Obama’s Home Stimulus Plan – or to find out if you qualify, visit our no nonsense home stimulus guide: Obamas Stimulus Package.
Small Business Computer Consulting: Finding the Right Prospects
Enlarge ImageIf you are starting a small business computer consulting firm, you should know that the small business accounts that have 10 to 50 PCs are going to have at least one branch office.
Prospects of this size are used to using professional technology providers and this isnt the first time theyve had to hire a small business computer consulting firm. Organizations like this have a willingness to pay for support.
Does Your Prospect Have In-House IT?
However, if they have in-house IT, you should learn what they need you for. Is it for a very deep specialty or for an extremely unusual case where they want to outsource everything?
Researching Prospective Clients
To find prospects for your small business computer consulting firm you should Google towns in your area, ZIP and postal codes, area code and telephone prefixes. Additionally, these prospects will usually belong to a local or regional chamber of commerce or similar organization.
To meet some of these people and market your small business computer consulting firm, you can join the organizations or attend as a guest.
Know Where to Find Your Prospects
Your prospects will likely have presence at business to business events, so you can also attend these events to market your small business computer consulting firm.
Since your target clients will often be covered in the business section of your local publications, youll want to subscribe to these or read them at the library.
The Bottom Line about Small Business Computer Consulting
If you want to narrow down your focus to the best small businesses in the area, consider networking at local events and reading up on these businesses in your local publications. You want to pay attention to the criteria above and ensure you can identify your prospects right off the bat.
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About the Author:
Joshua Feinberg helps independent PC Support professionals get more steady, high-paying PC support clients. Learn how you can get more monthly recurring PC Support revenue with Joshua’s free training recording now at http://www.PCSupportTips.com
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