People are always looking for a perfect business opportunity that would produce an oversized ROI and put a big greedy smile on their faces. I’m one of them. I do my daily routine of reading in quest for the tips and hints that would push me up the financial ladder. Sometimes I succeed, sometimes I fail. In this constant chase I often forget what is really most important to me in life, my loved ones. I often forget my wife’s birthday; I never remember my wedding anniversary or the mother’s day.  And suddenly this thought occurred to me: why don’t I start each day with thinking about my family? It will take a few minutes every day. After all, this entire struggle to succeed is for them.  As I sip coffee in the morning I can think of the most important investment I can make, a rose for my mom at her birthday or a bunch of roses for my wife on our wedding anniversary…

What is the ROI on this one?  Just  little things, like happiness and smiles…

Geographic industrialization patterns of the United States reflect the importance of markets. Initially, market oriented industries were concentrated in the Northeast and the Atlantic Seaboard. As the population center of the United States shifted westward, manufacturing followed.
It is important in industrial development efforts to distinguish between consumer markets and industrial markets. Consumer markets are generally related to population concentrations and income levels while industrial markets are related to centers of manufacturing a specific product. The variety of goods and services in consumer markets is extremely wide and competition for a share of the market of products is national or even international in scope. The producer of a particular product for this market must recognize this fact since it directly affects his volume of sales and product price. Many new plant locations in the Southwest that manufacture goods for consumer markets are branch plant operations of existing corporations seeking to serve that growing regional market.
The needs of industrial markets are generally more specific than consumer markets. Industrial development should not overlook the market potential arising from the needs of new or existing local industry that may be acquiring production inputs from distant areas. Often these needs can be met more efficiently by a local source.

A systematic analysis of plant location factors is generally made by firms that are searching for a new plant site. The number and types of factors affecting location vary in each case and they sometimes run into the hundreds. However, the breakdown of location factors examined usually includes the following:
Markets
Industrial Site
Labor
Utilities
Raw Materials
Financial Capital
Transportation
The importance of these factors varies widely from one industry to another. Moreover, with changing technology and economic conditions, their role will vary within a given industry and from one time period to another. They are interrelated and interdependent so that the desired location usually requires a compromise among factors. The important factors to a firm’s location decision may be attainable in several places. In these cases, personal factors enter into making the final decision and can be influenced directly by activities of the industrial development committee in promoting their community.

The installment contract is a legal instrument that replaces both the usual promissory note and mortgage deed of a typical purchase mortgage transaction.
Instead of selling the property outright, the seller is essentially giving the buyer a conditional opportunity to own the property. The prospective buyer should be aware that these conditions can be formidable—but the potential rewards can be very positive.
Most installment contracts are extremely detailed. Because of the complex nature of this type of transaction, the interests of both parties need to be protected. The typical installment contract, however, will contain variations with the following elements:
1. Down payment requirement
2. Buyer use of the property
3. Schedule of payments
4. Defined (short) term
5. Seller responsibility
6. Completion of the purchase