The Importance Of Excel In The Workplace

Excel is perhaps the most important computer software program used in the workplace today. That’s why so many workers and prospective employees are required to learn Excel in order to enter or remain in the workplace.

From the viewpoint of the employer, particularly those in the field of information systems, the use of Excel as an end-user computing tool is essential. Not only are many business professionals using Excel to perform everyday functional tasks in the workplace, an increasing number of employers rely on Excel for decision support.

In general, Excel dominates the spreadsheet product industry with a market share estimated at 90 percent. Excel 2007 has the capacity for spreadsheets of up to a million rows by 16,000 columns, enabling the user to import and work with massive amounts of data and achieve faster calculation performance than ever before.

Outside the workplace, Excel is in broad use for everyday problem solving.

Let’s say you have a home office. You can use Excel to calculate sales tax on a purchase, calculate the cost of a trip by car, create a temperature converter, calculate the price of pizza per square inch and do analysis of inputted data. You can track your debt, income and assets, determine your debt to income ratio, calculate your net worth, and use this information to prepare for the process of applying for a mortgage on a new house. The personal uses for Excel are almost as endless as the business uses for this software – and an Excel tutorial delves into the practical uses of the program for personal and business use.

The use of spreadsheets on computers is not new. Spreadsheets, in electronic form, have been in existence since before the introduction of the personal computer. Forerunners to Excel and Lotus 1-2-3 were packages such as VisiCalc, developed and modeled on the accountant’s financial ledger. Since 1987, spreadsheet programs have been impacting the business world. Along the way, computerized spreadsheets have become a pervasive and increasingly effective tool for comparative data analysis throughout the world.

Today, end users employ Excel to create and modify spreadsheets as well as to author web pages with links and complex formatting specifications. They create macros and scripts. While some of these programs are small, one-shot calculations, many are much more critical and affect significant financial decisions and business transactions.

Widely used by businesses, service agencies, volunteer groups, private sector organizations, scientists, students, educators, trainers, researchers, journalists, accountants and others, Microsoft Excel has become a staple of end users and business professionals.

The beauty of Excel is that it can be used as a receiver of workplace or business data, or as a calculator, a decision support tool, a data converter or even a display spreadsheet for information interpretation. Excel can create a chart or graph, operate in conjunction with Mail Merge functions, import data from the Internet, create a concept map and sequentially rank information by importance.

Excel offers new data analysis and visualization tools that assist in analyzing information, spotting trends and accessing information more easily than in the past. Using conditional formatting with rich data display schemes, you can evaluate and illustrate important trends and highlight exceptions with colored gradients, data bars and icons.

Indeed, Excel can be customized to perform such a wide variety of functions that many businesses can’t operate without it. Excel training has become mandatory in many workplaces; in fact, computer software training is a must for any workplace trying to keep up with the times.

Let’s say you’re an employer with 97 workers, 17 of whom called in sick today, and you want to know the percentage represented by absentees. Excel can do that. You can learn Excel and use it to determine the ratio of male to female employees, the percentage of minorities on the payroll, and the ranking of each worker by compensation package amount, including the percentages of that package according to pay and benefits. You can use Excel to keep track of production by department, information that may assist you in future development plans. You can create additional spreadsheets to track data on vendors and customers while maintaining an ongoing inventory of product stock.

Let’s say you want to know your business production versus cost. You don’t have to be a math wiz – you just have to learn Excel. Excel allows you to input all of the data, analyze it, sort it according to your customized format, and display the results with color, shading, backgrounds, icons and other gimmicks that offer time-saving assistance in later locating precisely the information desired. If this spreadsheet is for presentation purposes, Excel helps you put it together in such a visually appealing way that the data may seem to pop and sparkle.

The single most important thing an employer may do is learn Excel – it is one of the most essential tools of the workplace.

Excel and Microsoft are trademarks of Microsoft Corporation, registered in the U.S. and other countries. Lotus is a registered trademark of International Business Machines Corporation in the U.S. and/or other countries.

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Mortgage Loan Origination Software – 10 Functions of Mortgage Banking

Regardless of a mortgage lending organizations’ size, mortgage loan software, data security solutions and automation tools and services should be able to assist with mortgage loan automation requirements. In today’s chaotic mortgage lending environment origination and document security systems need to be easily configured to emphasize a company’s special needs and increase efficiencies across all aspects of the loan origination process, allowing lenders to increase quality and productivity.

Technology-driven automation is the key to succeeding in the increasingly complex, deeply scrutinized mortgage industry. Web-based (Software-as-a-Service), Enterprise mortgage software that supports the ten primary functions in mortgage banking will provide lenders with the necessary competitive advantages to succeed in today’s mortgage industry.

Ten Primary Functions in Mortgage Banking

  1. Mortgage Web site design, implementation, and hosting to provide product, service, loan status, and company information to mortgage customers and business partners
  2. Online loan applications for gathering information from borrowers and business partners that issue loan terms, disclosures, and underwriting conditions
  3. Loan origination software for managing loan data, borrower data, property data, general status reporting, and calculations
  4. Interface systems to send and receive data from real estate service providers, such as credit reports, flood determinations, automated underwriting, fraud detection, and closing documents
  5. Internal automated underwriting system that is simple enough for originators and sophisticated enough for underwriting portfolio loan products
  6. Document generation for applications, upfront disclosures, business processes, and closing documents
  7. Integrated imaging that is used from loan origination to investor delivery and for file archiving
  8. Interest rate and fee generation along with program qualification guidelines
  9. Secondary marketing data tools to track loan revenue and investor relationships, including warehouse line management and interim servicing to complete the back-office system
  10. Reporting such as loan delivery, year-end fee reporting, and HMDA reporting for loan application disposition

Web-Based, enterprise mortgage software that supports the ten primary functions of mortgage banking simplifies compliance, maximizes operational efficiencies, and increases profitability.

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How To Spot a Fake Jimmy Choo Handbag

  • Label: The Jimmy Choo label is generally a lilac colored metal face fastened to a leather backing, and stitched to the interior of the handbag. Many fakes have the incorrect shade of lilac, either going to light or too dark in the purple spectrum. The label should read in either gold or silver. However, even if the colors are correct, the label may still not be in the clear. Because it often times the font details that are singular to authentic Jimmy Choo that many of fake handbags get wrong, and this is one of the best places to look when trying to identify a phony J. Choo.
  • Font: Always check out the "H" in Choo. On an authentic handbag, the horizontal cross-bar in the H should not be in the center of the letter, the way it is intended to be with regards to most standard fonts. Instead, the Jimmy Choo H should have the cross-bar closer to the top, about 75-80% of the way up the H, if measuring from the bottom of the letter. If the handbag has the correct H, move to the letters "O" in Choo. On an authentic handbag, the O will have a slightly bent look. This means that the "O" will appear as if someone snapped down on the top of the letter, giving the O an oval shape rather than a perfect circle. Spotting a fake Jimmy Choo handbag often times comes down to the subtleties in the font.
  • Hardware: Any screws located on handbag hardware will always be a flat head (-) screw. Jimmy Choo will never use any Philips head (+) screws in any of their handbags.
  • Dustbag: Fake Jimmy Choo handbags will often be accompanied by a dustbag that is an incorrect color or format. An authentic dustbag should have the logo: "JIMMY CHOO," with "LONDON" centered perfectly under the logo. The font should be an embossed gray, while the dustbag itself will be the famous lilac color. Many fakes will have incorrect font colors on the dustbag, as well as the incorrect dustbag color ie the wrong shades of purple etc. Good luck and safe shopping!
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How to Watch Satellite TV Online Without Any Satellite Dish

Anyone can watch satellite TV online without any satellite dish system nowdays. In case you do not know, this article would show you one time-tested and another new revolutionary way to watch satellite TV on the internet without having to set up a satellite dish.

Many of the older generation grew up in an era of satellite dishes, especially for those who live in the rural areas where cable do not exist. The dishes are transmitters and together with receivers are conduits for TV signals to be displayed as visual images and pictures on our TV screens. However, they are not always pleasant. Set up can be tough and definitely not for those who are not good with their hands or have poor technical skills. Satellite dishes have grown smaller in recent years but they used to be larger than 6 foot monsters in earlier days. If that irks you, you would be relieved to know that you can watch satellite TV online just like many others without satellite dish system.

What are the hardware and PC requirements you need to set up your 'satellite-dish less' PC satellite online TV?

1. A Good PCTV Card

A PCTV card can be installed onto your computer to make your computer work like a satellite television set. Such cards come in the form of internal or external hardware. If you are familiar with the inside of a computer, then an internal card could be a good choice since they tend to be cheaper and more affordable. However, do not bother yourself when you find it too troublesome to fix it internally because there are external cards that work more like plug-and-play gadgets. They cost more and can set you back easily by a few hundreds. As long as your PC has a spare USB port, this option to watch satellite TV online is open to you.

2. PC Requirements

I would suggest you check your systems configuration before you start shopping for a PCTV card. Most cards require a minimum Pentium 3 333MHz system to run well but remember to note down the specifications like RAM, hard disk space, Operating System, etc before you head to the stores.

3. Ready Internet Connection

PCTV cards work well with both dial-up and broadband connections. However, I have a word of advice here. Dial-up transmission runs like a snail and is a really serious party spoiler. You can end up more frustrated than glad that you are watching the program. Go for broadband connection if you can afford to.

Okay, now that we have discussed about the older commonly accepted method to watch satellite TV online, we will look at another new revolutionary technique. This requires the usage of PC satellite TV software which can be downloaded easily. The setup is simple and all it takes is downloading the software and clicking a few buttons before you are ready to watch satellite TV online from more than 3000 channels. Awesome is not it?

For more information on this PC satellite TV software, do a read up at my satellite TV blog.

This article may be freely reprinted or distributed in its entity in any ezine, newsletter, blog or website. The author's name, bio and website links must remain intact and be included with every reproduction.

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Why Computer Hardware Is Important

In this day and age, it is hard to deny the influence of technology in our lives. We live in an era where pretty much is automated and computerized. And amidst all the technological advancement that humankind has achieved, one important device has been created that will only sure to become more relevant to our lives as technology progresses, the computer. No one can deny that computers are now an essential part of our lives, the same way a cell phone and television does. It is safe to say that in this day and age, having no computer would be an inconvenience. Which is why it is important that we know the way our computer works so that we would be aware of the things that we should do in case it stops working. The hardware of the computer is considered to be the most important because without it, it will simply not work.

Simply put if you know how to handle the hardware of a computer and know each of their function for the unit, then you can easily determine what the problem is in case the unit stops functioning. In order to be familiar with basic computer troubleshooting, then you also need to be familiar with computer hardware. A good example of this is the memory of the computer (RAM). All programs and applications that are ran in a computer needs memory. Without RAM it simply will not function. Aside from that, even if you have a RAM but it does have the specifications to keep up with the programs that are being run, then the operation would have slowed down to a crawl. So when it comes to computer hardware, you have to make sure that it is not obsolete, so you need to upgrade depending on what sort of program that you are usually using.

When handling computer hardware, you have to keep in mind some safety measures so you can manipulate the unit safely. Before opening any computer cases, you have to make sure that the unit is unplugged or you might risk electrocution or shocks. While checking your hardware components, always check for damaged parts because that is most likely the one that is causing problems. When inserting components and parts, you have to remember that if it does not fit, then most likely you are inserting it on the wrong slot. If it does not fit, then do not force it or you will risk breaking the component. Before touching any parts inside the unit, make sure that you discharge yourself first by through a grounded metal object or you can use an anti-static wrist strap or mat which is sold in stores for cheap.

By knowing and analyzing every computer hardware part you will know about its importance and if it ever breaks down then you can perform the proper troubleshooting steps. Every hardware component is important for the computer's operation. The performance of your computer largely depends on how good your hardware is, so be sure that they are always in good working condition.

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Kitchen Design Ideas

Kitchens have so many design options that they are literally never ending. Kitchen design ideas include features such as cabinetry, tiles, counter tops, appliances, hardware and fixtures. Each feature on its own has a multitude of design options and the possible combinations are endless. Two identical kitchens with only one different feature can look like very different kitchens when finished. Because of the vast number of design options, thoroughly research what products are available on the market and get a fairly good idea what it is you are looking for.

The main feature in any kitchen is the cabinetry. It is more often than not the first thing that people notice in a kitchen. The layout of the cabinetry is unique to each kitchen. Measure the size of your kitchen and determine the types of cabinets and where you would like them placed. If you have a solid wall with no windows, doors or appliances opt for floor to ceiling cabinets full of drawers for storage. Include a broom or cleaning closet in these cupboards. Glass fronts in corner cabinets are a popular design feature. Cabinets have a wide variety of door styles. There are recessed, flat paneled and raised cabinet doors. Each of these options comes with several design choices. Once you have picked the design of your cabinets you need to decide on the stain that suits your kitchen space. Opt for lighter colored stains for smaller kitchens to keep them feeling open and spacious.

Counter tops are also an important feature in a kitchen. They too are highly visible. Counter tops should be chosen for durability as well as looks. Granite counter tops are the most popular choice today. You may also choose from engineered stone, ceramic tile, laminates, wood and stainless steel. The material and color of your counter tops should compliment your cabinetry, backslash and tiles. If your kitchen is a large room but does not have a lot of counter space you might want to consider adding an island for additional space. Not only does an island adds counter space but also storage space.

Flooring is an integral kitchen feature. Most kitchens are done with ceramic tile flooring but wood floors and laminates are growing in popularity. Many kitchens have tiled backslashes. Be sure that the tiles used in your backslash compliment the flooring. Besides the type of flooring you use, you must also pick a color of tile, wood or laminate as well as texture. Quite often a kitchen with light colored cabinetry will look best with a slightly darker floor and vice-versa. Contrast between the cabinetry and the flooring, no matter how small, creates the illusion of depth.

The kitchen design ideas listed above are just the tip of the iceberg. We have not even touched on cabinet hardware, lighting fixtures, sinks and taps, paint colors or appliances. Matching appliances are ideal in any kitchen. Stainless steel appliances are a favorite because they match just about any kitchen design. Families with small children may wish to consider black appliances since stainless steel shows fingerprints. Put as much thought into the small features as you do the larger ones. Something as simple as buying the wrong cabinet hardware can ruin the look of the completed project.

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Surviving Missing Futon Frame Hardware Nightmares

There seems to be quite a few of us who have owned a futon frame and ended up losing the connecting hardware at one time or another. I myself bought a futon from the retail store I worked in for a number of years back in the early 1990s when futons were all the rage. Maybe you purchased your futon in college, purchased it from a friend or maybe made the purchase for a family room. If you're lucky to live out your life in the same house or apartment there will never be a need to move your futon except except to a different room or location. Obtaining replacement futon frame hardware involves several steps approached in order to locate exactly what you need.

In the first place do not panic just yet. Without the hardware to attach everything back together you're in some serious trouble. However there are ways to obtain what you need. At this point we could explain the many benefits of using a small bag to contain the hardware and attach it to a part of the frame with heavy packing tape so it's easily found. Who am I kidding though? I've moved mine now about three times and each time I ended up missing a bolt, a barrel nut, a nylon roller here and there. Heck, I was lucky I had all the wood components show up at each new move let alone any hardware that happened to make it as well. Besides, is not moving your home stressful enough without having to keep track of a small bag of metal hardware among a sea of ​​furniture, clothing, dishes, toys and appliances?

Pursuing this further we must calmly step back and think for a moment. Yes, we're stressed out and fuming at either our spouse or the moving company for losing the futon hardware but we need to move past that now. To be sure the futon needs our help and we're the only ones who can do it at this point. It's time for us to go through the steps of obtaining replacement hardware and there is a specific order in which we do this to obtain the fastest results. I would suggest the following steps to start tracking down replacement hardware as soon as possible.

First – identify your futon frame.
Having worked retail, it's quite possibly the toughest situation when a customer comes into the store requiring assistance but can not identify the product to the salesperson or service individual when requesting parts. Granted you're going to have to do a little research by pulling your receipt when you bought the futon from the store and identify the model or name of the futon. If you inherited the futon, found it by the side of the road or bought it at a garage sale you're in for a tough road ahead. Fear not however as the internet can be used to help you find the design and attach a name to it for use in tracking down hardware. Be aware that there are dozens of manufacturers out there using different hardware in their frames including many that have since closed their doors. Hopefully the manufacturer of your frame is still around.

Second – speak to the retailer.
Of course if you purchased your futon frame through a local retail store it's time to head down there and see if they can track down the hardware for your frame. Bring your receipt. If you do not have a receipt, then bring an image of the futon frame with you. Hopefully the salesperson or service representative is knowledgeable about the products that they've carried in the past. Best case scenario, they either can provide you with the name of the manufacturer with contact information or have the parts on hand to get you back up and running. Worst case scenario the store you purchased it is out of business or if the store is still around they have no clue about the product anymore.

Third – search online.
Supposing we've hit the worse case scenario it's time to use the web to search for the manufacturer or the name of the style of futon you have. I'd suggest using Google, Bing or Yahoo and use the name adding the word futon to the search. If you were not able to locate a name you're going to have to become a very good spotter and sift through the many images of futon frames till you find one that is very close to what you have. Identify the name of the style and the manufacturer and then proceed to locate the manufacturer of the futon frame.

Fourth – speak to the manufacturer.
Assuming the retailer did not have parts but could identify the manufacturer for you then at least have something to go on. Perhaps you were able to locate your frame style through the search engines. Again, search online using the websites previously discussed using the name of the manufacturer. You'll likely get some online retail stores off of the search. Filter them out visually until you find a link for the manufacturer. Most do have websites, locate a contact phone number or email address and contact them for information on obtaining hardware. If you're unable to locate the manufacturer's website go ahead and contact one of the many futon stores that pop-up in the search results and email them with your issue and ask if they can either sell you hardware or point you in the right direction For finding the manufacturer in hopes of tracking down hardware.

Finally – the last resort.
If you were unable to determine the name of the futon frame or the name of the manufacturer you are indeed in a tight spot. At this point your options are limited to heading down to a hardware store and seeing if you can locate some generic parts that might get you back up and running. The problem will be in the way of connecting bolts and barrel nuts and getting the right lengths if available. I would suggest taking one of the wood arms and a stretcher rail with you to the store. Begin plugging in different bolts and nuts till you find a combination that connects correctly. You'll also need to track down connecting pins, washers and clips for the seat and back section as well as the four nylon rollers that most futon frames use on the back rest. If you're lucky these may still be attached to the backrest deck making your job a bit easier.

In conclusion we've discussed the issues presented with lost futon hardware and how to go about tracking down the hardware you need. Basically identify your frame through a receipt or spotting it online. Visit the retailer store you purchased it from and obtain parts through them if they are still open. If you purchased it privately or inherited the frame track down the manufacturer using a search engine of your choice and speak to them about ordering replacements. If you are not able to locate the manufacturer but have found stores online contact one of them to see if they can sell you hardware. If all else fails visit the local hardware store with your wood futon sections in hand and begin trying bolts and nuts till you find some that work. I sincerely hope you're able to obtain the needed hardware to get your futon frame back up and running. I wish you the best of luck to you and your futon.

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Advantages of Antispyware Programs

Much like the antivirus programs, now a days anti spyware programs also is a must if you are browsing the net. Most of the antivirus programs provide a good job by taking care of the computer viruses. However, many of them fail to detect the spyware which gets installed onto the PC when connected to the internet. This is where Anti spyware programs comes to help. They do a good job by protecting our computers by identifying the spyware and promptly remove them.

There are so many antispyware programs are available in the market. Both in the Online as well as near to your computer retail showroom. However, you have to ensure that you buy a good Anti spyware program which fulfills the requirements what it promises. Also, make sure to check that the software works on your Operating System. Most of them work on Windows Operating system; however, there is no harm in double checking the same.

Some of the characteristics of a good antispyware program is as below.

Real time scanning

Real time scanning is the heart of these type of programs. The program once installed should reside on your system tray and should be able to do a real time scan in the background. This way it should be able to identify all kinds of threats like Adware, spyware, Trojans and the harmful key loggers.

Automatic Updates

There is no point in having an Antispyware software program which does not update the spyware definitions automatically and at periodic intervals.

Customer Support

Most of the time you will not be require to call up their helpdesk as the software will work automatically provided if the operating system is compatible and all the installation prerequisites are met. However, if you run across any installation problems or some kind of bugs customer service comes in handy.

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How Car Mechanics Use Technology

Do you know why it’s important to find a good mechanic or a good repair shop to repair your car? The reason: it could save you hundreds of dollars in parts and labor! When we say a “good mechanic” or a “good repair shop”, we’re referring to mechanics who are equipped with the latest technology. You don’t want to entrust your car to a shop with outdated machinery and equipment because it will take longer to arrive at a diagnosis. And the longer a mechanic takes to make a diagnosis, the larger your bill for labor!

Remember that car mechanics charge by the hour.

Car repairs can cover any one or a combination of the following (note that this is not a complete repair list).

• Air conditioning checks

• Air bag checks

• Electrical wiring

• Cables

• Clutch service and repair

• Transmission repair

• Wheel Alignment

• Suspension

• Brakes

• Heating system

• Oil and lubrication

• Battery

• Power windows

Much of the troubleshooting that mechanics use to diagnose a problem is facilitated by car repair technology.

Ever noticed how some lights on your panel come on when something’s wrong? In most cases, an experienced mechanic will know immediately what the problem is, but there are instances where it will take sophisticated technology to lead to an accurate diagnosis.

Sophisticated technology comes in many forms and one popular one is troubleshooting software. Companies like Auto Tech have a software program that car owners can use to find out what is ailing their vehicle.

Most car owners who were cynical about software programs before should seriously consider purchasing a reliable car troubleshooting software program. For instance, some programs start out by asking you to input your car make and model number, the year of the car and what kinds of equipment it has. The software features a large database of information about all cars in the market and a car owner simply follows the steps when prompted. It employs what the industry calls a “tree diagnosis” where logical steps take you through the entire diagnosis process.

After you’ve keyed in your car’s profile, you use the drop down menu to choose the symptoms that your car is exhibiting. For instance, if you choose “squealing brakes”, the program mimics the squealing of brakes and if that’s the sound you hear, you confirm it and the program recommends a series of steps.

You may not really want to use a troubleshooting software, but imagine how much time and money you could save if you spoke to the mechanic intelligently, letting him know that you’re in the know.

Students who are studying towards certification buy certain tools of the trade. A couple of examples are Snap On and Mac Tools. These two are the most popular in the United States and Canada.

Mechanics now have a wide range of technology tools to help them understand car problems better: digital multimeters (electronic measuring), boroscopes (testing heat exchangers), fuel diagnostic testers (testing and balancing fuel injectors) and other such new technologies.

New car mechanic technologies help shorten the learning curve and speed up diagnosis so that the car owner isn’t saddled with too many labor hours.

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What Requirements Does a Dot Net Developer Need to Fulfill?

Microsoft Dot Net is a useful software development component. It provides tools and libraries to the software developers so that they can create Windows-based applications in a more efficient manner. A Dot Net developer is a software programmer who has specific skills using .Net to develop software and computer applications. For people who are in the midst of looking for developers for your projects, there are some areas you need to take note. You are advised to look for competent programmers who can really assist you to complete your tasks successfully.

First thing first, you need to be clear about the responsibilities of a .Net Developer before you start looking for suitable candidate. Seriously speaking, the programmer is required to:

• Work hand in hand with other software engineers and architects to develop a logical series of instructions referred to as programming code for the computer to communicate with the networks, applications and databases.

• Create new software applications to suit the business needs

• Modify, repair, test and enhance existing applications

After knowing what the developer is required to do, the next area we need to take into consideration is the academic qualification. In general, a programmer should have degree qualification in computer science, information technology or any related discipline. If the programmer is not a degree holder, you may take a look at his or her working experience. If the candidate has extensive experience dealing with .Net development tools, you can consider getting him or her in. Check with the candidate whether he or she is familiar with maintenance of ASP Applications, e-Commerce solution, online education and learning, social networking sites, corporate web applications, and so on.

At the same time, a good dot net developer must be competent in carrying out all the important tasks. It is a must for him or her to have the following skills in:

• Classic ASP

• Microsoft SQL 2000 / 2005

• MS Access

• JavaScript, XML, DHTML, AJAX and CSS

• VBScript and JScript

Frankly speaking, if the programmer does not have the above mentioned skills, most of the employers in the job market are not willing to hire him or her.

Besides the skills, we should also take serious consideration on the general qualities of the programmers. They should have qualities as follow:

• Good passion in work

Having great interest in work is important. The programmers should love and enjoy what they are doing.

• Good learning attitude

Learning is a continuous process. We can’t stop at certain stage. Good developers must have positive attitude in learning. They must always grab the opportunities to learn new technology so that good applications can be adapted.

• Some “intelligence”

Honestly speaking, intelligence is something very subjective. What I mean here is the “personality” of the person. Being a programmer, he or she must be smart and sensitive to respond to all changes. It is important for a programmer to be open-minded and willing to take new challenges from time to time.

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